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Table of Contents

What does credit card travel insurance cover?

Credit cards with free travel insurance, how to file a claim when using credit card travel insurance, why won't my credit card insurance cover my trip.

Increasingly, more Americans are jumping on the travel insurance train. Almost half (44%) of U.S. travelers say they are more likely to purchase travel insurance for their trips now compared to before the pandemic, according to a July 2022 AAA survey of more than 5,000 American adults.

But there's a good chance you can get travel protections without buying a separate travel insurance policy. That's because many credit cards provide travel insurance as a built-in benefit to customers.

Credit card travel insurance is comparable to standard travel insurance, which you'd purchase through a typical travel insurance company, like Allianz or World Nomads .

But while standard trip insurance requires you to go through the work of actually acquiring a plan, your credit card's travel insurance provides automatic coverage — as long as you pay for the trip using a card that offers the benefit.

Standard trip insurance is typically priced between 5% and 10% of your total trip cost, according to insurance comparison site Squaremouth. However, exact costs vary based on factors such as your age, type of trip, duration and expense. With credit card travel insurance, the type of insurance coverage and the maximum dollar amount covered can vary.

In general, expect coverage between $6,000 and $20,000 per trip among cards with trip cancellation and interruption benefits. For other types of coverage, like baggage delay, it's typically less. For example, lost luggage insurance coverage of up to $3,000 per passenger is standard, and travel accident insurance typically covers between $500,000 and $1 million.

» Learn More: How to find the best travel insurance

Travel insurance is a broad umbrella term, and some credit cards provide greater degrees of coverage than others. For example, cards with higher annual fees tend to offer more coverage with higher dollar values.

Common types of credit card travel insurance coverage are:

Baggage delay. If your checked bags don't show up at the carousel, this coverage will reimburse you for necessities such as clothing, toiletries, etc.

Lost/damaged baggage. If your bags are lost or damaged by a carrier (or perhaps articles have been stolen from your luggage), you will be reimbursed for the lost/stolen items.

Trip delay. Suppose you're delayed for a covered reason. In that case, you can receive monetary compensation for meals, hotels, transportation and other covered purchases made due to the delay, like an extra night's stay at a hotel.

Trip cancellation. If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption. Maybe you're already on a trip, and plans changed midway. You can be reimbursed for any unused, prepaid, nonrefundable reservations for a covered reason.

Read your card's terms to see which types of incidents are covered — and the maximum dollar value they'll pay.

» Learn More: How does credit card travel insurance work?

Some credit cards also provide rental car insurance

Similarly, some credit cards offer complimentary rental car insurance , which can be primary or secondary to your personal auto insurance, depending on the card. Coverage is typically a collision damage waiver or loss damage waiver, meaning you're covered for costs to repair or replace your rental car if there was a crash or it was stolen.

The insurance might also cover related costs, such as towing expenses and administrative fees.

Typically, you must pay for your car rental with a credit card that offers the coverage and decline the rental car company's collision coverage to get this benefit. This type of coverage usually won't cover liability and injury, which comes into play if your car damages other property or hurts you or someone else.

In addition, it generally won't cover loss or theft of personal belongings inside the car, so don't expect relief if someone breaks into your rental car and steals the suitcase you had sitting on the seat.

And take heed if you're renting from a nontraditional rental car company, like Turo or Getaround. Peer-to-peer car rentals are not likely to be covered by credit card rental insurance .

These travel reward credit cards come with different types of trip insurance protection. Only one (the United Gateway℠ Card ) has no annual fee; several others come with it included in its suite of benefits.

United Gateway℠ Card : This card has a $0 annual fee and includes trip cancellation/interruption and rental car insurance.

Chase Sapphire Preferred® Card : Although it comes with a $95 annual fee, there are half a dozen trip-related benefits including trip cancellation and interruption, baggage delay, lost luggage and travel accidents.

Capital One Venture Rewards Credit Card : This card will cover lost luggage, rental car insurance and travel accident insurance. The annual fee is $95 .

» Learn More: 10 Credit Cards That Provide Travel Insurance

If your trip is canceled or delayed due to a reason that is covered, you'll need to file a claim to get reimbursed, which can typically be done through your credit card issuer's website.

You likely won't deal with your credit card company but rather the insurer itself. Most benefits are underwritten and managed by third-party insurance companies. Be prepared with paperwork to show proof.

The window to make a claim can be short. For instance, for Chase, it is up to 20 days after the occurrence — so don't wait. You'll typically have more time to provide documentation, which is 90 days for Chase.

Documentation requirements vary, but you'll likely need to provide the following to get reimbursed:

Proof of your covered reason (such as a doctor's note or a death certificate).

Receipts for your expenses.

A copy of your account statement reflecting those charges.

A copy of the cancellation or refund policies of your travel provider.

Travel insurance can be a lifesaver in covered situations. But many problems that come up during your trip, which you might expect to be covered for, don't fall neatly within the lines of what's covered.

That's true for standard trip insurance and your credit card coverage. While coverage varies by the insurance provider, common situations that aren't covered include:

Travel arrangements canceled or changed by the travel provider. Unless it's due to severe weather or an organized strike affecting public transportation, issues that were the travel provider's fault might not be covered. For example, you might be out of luck if your airline canceled your flight because the pilot called out sick and you missed a hotel night that you paid for.

Changes in your plans due to financial circumstances. If you realize after booking that you can't afford the expense you committed to, well, you're still on the hook.

Having a pre-existing condition or traveling against the advice of a physician. This can be tricky, but the insurer might dispute your complaint if they can prove your reason for canceling resulted from a condition you already knew about or your doctor warned you about.

Extremely long or short trips. Typically one-day trips, as well as those that exceed 60 days in duration, are not covered.

If you need to cancel a trip for a reason that's not covered, you might be better off obtaining Cancel For Any Reason coverage , which lets you do just that. It's an extra expense, but this can get you some money back if you cancel for any reason (including those otherwise not-covered reasons).

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022 , including those best for:

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

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Guide to chase sapphire® travel insurance.

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

How does Chase Sapphire travel protection work

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

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

Additional Benefits covered with Chase Sapphire Reserve travel insurance

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

Emergency Evacuation and Transportation

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

Roadside Assistance

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

Emergency Medical and Dental Benefit

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

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

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

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Banking and Borrowing

The current accounts that include travel insurance

We round up the free and fee-charging current accounts that offer account holders some form of travel insurance.

John Fitzsimons Updated on 12 November 2019

Finding the right travel insurance can be time-consuming so it’s understandable why some people may be tempted by current accounts that offer free travel insurance.

We reveal what your options are and what they include.

Nationwide FlexPlus

Nationwide’s FlexPlus  account offers worldwide family travel insurance, but the account comes with a monthly fee of £13.

Travel insurance is available for those under 69 years of age, but you can pay £65 extra a year to ensure cover after this age.

Worldwide family mobile phone insurance and UK and European breakdown cover and recovery assistance is also included.

The building society recently announced it was tweaking its travel insurance policy, so we got in touch to find out what was changing with the FlexPlus policy.

Here are the key changes, according to a spokesperson:

• Increased the funeral or cremation limit;
• Increased emergency cash limit to £300;
• Introduced new upgrades for cruise cover and personal belongings;
• Reduced the missed delay or abandoned departure cover;
• Added an additional cancellation reason – vehicle accident or breakdown in the seven days before departure for self-drive holidays.

How to get travel insurance if you have a pre-existing condition

Club Lloyds Platinum

Club Lloyds Platinum includes many of the benefits of its Silver account, which is  no longer available  to new customers.

For £19 a month (plus £3 if you fail to pay in at least £1,500 a month), worldwide travel insurance is available to account holders up to the age of 80.

The insurance covers you and your family for up to 45 consecutive days per trip.

Winter sports is covered for a maximum of 31 days in any calendar year.

Other extras with this account include AA breakdown cover, mobile phone insurance, a £300 fee-free overdraft and up to 2% in-credit interest.

Travel insurance for the over 50s

Barclays allows you to personalise your current account by adding ‘packs’ which will cost you a monthly fee.

For £12.50 a month, you can add the  Travel Pack . This offers worldwide, multi-trip travel insurance, which covers you, your domestic partner, children and joint account holders, up to the age of 80.

All trips must start and end in the UK and last no longer than 31 days and includes RAC breakdown cover in the UK and Europe.

There’s also the  Travel Plus Pack , which costs £18 a month and includes worldwide, multi-trip travel insurance for you, your domestic partner, children and joint account holders up to the age of 80.

You get six free airport lounge visits every year, which can be used by you or your family – or you can opt for a free spa treatment at an airport instead.

RAC breakdown cover in the UK and Europe is included, as well as discounts on airport parking and hotel packages.

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NatWest Premier

With NatWest’s Premier Reward Black Account, you can get worldwide travel insurance for you and your family for trips of up to 90 days, including 31 days for winter sports.

For those over the age of 70, you need to contact NatWest every year for cover, be medically screened and pay an annual premium of £75 per person.

Mobile phone insurance, UK and European breakdown cover, home emergency service and discounts on theatre and cinema tickets are also included.

You can also get unlimited access to over 1,000 lounges worldwide and discounts at restaurants, cafes and spas in airports among other benefits – all for £31 a month.

On top of these features, you can also receive £150 for switching to NatWest by 6 December, which also applies to the Select Premier account.

The Reward Platinum account costs £20 a month and includes worldwide multi-trip travel insurance, UK breakdown cover, mobile phone insurance, Tastecard membership and discounted cinema tickets.

Again, there's a £75 annual premium on the travel insurance for those over 70.

Royal Bank of Scotland (RBS) offers Select Silver and Select Platinum accounts, and the £150 switching offer from RBS is only valid until 29 November. 

All these accounts by RBS and NatWest also allow you to earn 2% in cashback on seven types of household bills paid by Direct Debit although from February 2020, you'll no longer receive 2% cashback. 

Instead, you'll get a set amount, which depends on having at least two Direct Debits set up and you logging into the account every month.

You can find out more about how the Rewards scheme will work here .

The best UK packaged bank accounts

Halifax Ultimate Reward

The Ultimate Reward Account from Halifax costs £17 a month (or £15 if you pay in £750 a month and set up two Direct Debits from the account) and includes worldwide multi-trip family travel insurance.

Other benefits include AA breakdown cover, mobile phone insurance, home emergency cover and the chance to earn cashback with certain retailers when you pay with your debit card.

Do your sums

Before you sign up for a premium current account, it's worth working out the value of the benefits the account offers versus how much they would cost if you bought them separately.

And if you don't use one or more of the benefits, then it's not likely to be worth the monthly fee.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

View comments

Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

• Best for families with young children : Allianz   
• Best for affordability : Faye   
• Best for CFAR coverage : Travel Insured International  
• Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

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

Policy highlights

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

24/7 assistance available

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

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

• Covers Covid like any other medical condition
• CFAR is available for up to 75% of trip costs for an additional cost.
• Additional coverage options like vacation rental damage coverage and pet care coverage.
• Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

• Optional CFAR coverage and interruption for any reason coverage
• Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

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

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

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

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

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

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Free travel insurance and purchase protection.

Enjoy a worry-free travel with your RCBC Credit Card.

• Free Travel Insurance And Purchase Protection
• Travel Plus

*Eligible RCBC Credit Cards: Platinum Mastercard (Black, Diamond, YGC Rewards Plus Platinum), Hexagon Club, JCB Platinum, and UnionPay Diamond

**Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms & Conditions apply.

• When shall the cover commence and end? The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.
• What is my maximum allowable benefit? Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.
• Is the item still covered when I leave the country where I purchased it? YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.
• Is Jewelry and Gems covered under this program? YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.
• Is there a deductible or participation fee when I file for a claim? Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.
• Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
• Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
• Consumable and Perishables;
• Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
• Business Property purchased to be used for business purpose;
• Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
• Livestock, pets, animal, plants or other living creatures;
• Art, antiques, firearms and collectible items;
• Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business
• Mechanical, electrical or electronic breakdown, failure or derangement;
• Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
• Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
• Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
• Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
• The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
• Mysterious disappearance or unexplained losses.
• Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
• Product defects, faulty or defective design, material or workmanship, latent defect.
• Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
• Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
• Shipping and handling expenses or installation, assembly related costs.
• Items purchased for resale, professional or commercial use.
• Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
• Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
• Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
• Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
• Items left unattended in a place to which general public as access.
• Losses due to or related to nuclear, biological or chemical event.
• Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
• The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
• Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.
• How can I claim? A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
• Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
• Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
• Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
• Police report for Theft or Stolen Item claims
• Replacement cost or repair estimates for damaged item claims

RCBC Credit Card spend on international airfare, cruise tickets, or tour packages through a travel agency originating from the Philippines are eligible for free Travel Insurance and Purchase Protection. 

Medical report Register for your free Travel Insurance when your credit card transaction is posted until/at least seven (7) working days before your trip at https://cloud.marketing.rcbcbankard.com/travelinsurance .

No. Travel Insurance registrations through the website will prompt you to enter your posted transaction date and the amount reflected in the Statement of Account or the RCBC Pulz app. Make sure to have this information ready for seamless registration.

No. In order to receive your Travel Insurance electronic Certificate of Cover (e-COC) before your flight, online registration is required at least 7 working days prior  to your scheduled flight. We strongly recommend that you register early at: https://cloud.marketing.rcbcbankard.com/travelinsurance . 

 Your international trip is covered for up to 15 calendar days. You can request added coverage from our insurance provider and pay with your RCBC Credit Card!

● Extension of cover

● Top up/upgrade to COVID cover - for Plan B ONLY. NOT APPLICABLE TO PLAN A .

● Other companion (exceeding 2).

To request for added coverage, please get in touch with MALAYAN INSURANCE:

        Email: [email protected] , [email protected]

        Telephone (632) 8628-8341/8342 , (632) 8628-8712 / Mobile (+632)920 9455119

The Insurance Provider will cover flights from the PHILIPPINES to international destinations, including those with layovers and extended/multiple stopovers in other countries. Qualified origin is from anywhere in the Philippines; the destination is another country only, not vice versa. 

Yes. Supplementary cardholders who use their RCBC Credit Card to purchase international airfare, cruise tickets, or tour packages from travel agencies are also entitled to free Travel Insurance without Purchase Protection . 

If you need travel insurance and your flight is less than 7 days away, please contact the RCBC Credit Customer Hotline at (02)8888-1888 for assistance. Please note that requests made during the travel period will not be accepted.

If you register at least 7 working days before your flight and have yet to receive your eCOC, please call the RCBC Credit Customer Hotline (02)8888-1888 or send an email to [email protected] so we can check the status of the request and provide feedback. 

General Requirements

• RCBC Credit Card used to purchase the international travel ticket
• Statement of Account showing purchase of International Airline Ticket
• International Airline Ticket/Boarding Pass
• Passport duly stamped by Bureau of Immigration (Departure and Arrival)

Personal Accident

• Medical report
• In case of death, original copy of the Death certificate and coroner’s report
• Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Medical Treatment

• Out-patient

a. Original Official Receipts

b. Medical report

c. Laboratory results (if any was done)

2. In-patient

a. Statement of Account (with breakdown)

b. Official Receipts

c. Medical Report

d. Laboratory results (if any was done)

e. Operative record and hispathology results (if surgery was done)

f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Trip Cancellation

• Medical Certificate of assured or family member
• Duplicate copy of death certificate of the immediate family member (if family member died)
• Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
• Certificate of cancellation of flight from airline
• Original receipts of pre-booked and non-refundable lodging and transportation

Emergency Trip Termination

• New ticket purchased
• Boarding passes or stamp on passport

Loss of Travel Documents

•  Notarized incident report or police report
• Document issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or travel tickets
• Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Flight Delay

• Irregularity report issued by the airline indicating the reason of the delay
• Receipts of expenses (food, lodging, transportation)

Strikes and Aircraft Hijacking

Loss of Baggage

• Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
• Police report if stolen
• Original official receipt/s of the lost baggage/s
• List of lost items with brand, model, type and corresponding amount

Baggage Delay

• Baggage irregularity report issued by the airline
• Delivery report from the airline stating the exact date and time that the baggage was retrieved
• Original official receipts of expenses incurred (on toiletries and clothing)
• Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or lost travel tickets
• If loss occurred in such circumstances, an irregularity report from the airline or a police report
• Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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Can You Cancel Travel Insurance and Get a Refund?

Senitra Horbrook

2 Published Articles

Countries Visited: 45 U.S. States Visited: 40

Jessica Merritt

Editor & Content Contributor

83 Published Articles 472 Edited Articles

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Keri Stooksbury

Editor-in-Chief

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Can Travel Insurance Be Canceled?

What to review during the free-look period, reasons you may want to cancel your travel insurance policy, how to cancel a travel insurance policy, consider changing your policy instead of canceling it, is travel insurance refundable if the trip is canceled, 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.

Travel can require extensive planning, from picking the destination to deciding travel dates, selecting your hotel, and booking tours and activities. There’s a lot to keep track of, but travel insurance is an aspect of travel planning and decision-making you should handle from the start.

Hopefully, you’ve spent time researching travel insurance options to find the best policy before purchasing it. However, if you made a hasty decision or didn’t thoroughly read the policy documents, you may only have a short time after paying the premium to cancel your policy.

We’ll discuss whether travel insurance can be canceled for a refund and explain why you shouldn’t let too much time lapse if you’re reconsidering your travel insurance purchase.

Most travel insurance companies offer a money-back guarantee or free-look review period after you purchase a policy. The review period typically lasts 10 to 15 days, but it may be longer, depending on your state. 

The 10 to 15 days give you time to review your policy documents and ensure the coverage you’ve purchased meets your needs. Should you decide to cancel your policy during this period and you have not departed on your trip or filed a claim, you should receive a 100% refund of your premium.

Here’s a look at the cancellation periods for several well-known travel insurance companies (terms apply):

• AIG Travel Guard — 15 days ¹
• Allianz Global Assistance — 15 days ²
• Generali Global Assistance — 10 to 15 days for most states ³
• Travel Insured International — 14 days ⁴

Yes, you can cancel your travel insurance. However, you will only receive a refund if canceled during the company’s money-back guarantee or free-look period.

If you purchased your travel insurance without thoroughly reviewing the policy documents or didn’t understand everything included, the free-look period is your opportunity to read all the fine print and make sure the plan meets your needs. 

For example, if you’re planning to go scuba diving on your trip, this is your chance to confirm your insurance will cover the cost of any medical services or medical evacuation . You may find that it’s not covered, and you need additional coverage specifically for scuba diving.

Here are some details you should verify when reviewing your policy:

• Your travel dates
• The covered reasons for a trip delay, trip interruption, or trip cancellation claim
• The length of delay needed for trip delay coverage to kick in
• Dollar limits for reimbursement
• The plan’s exclusions
• If the plan has any deductibles to pay, and if so, whether the amount is affordable for you

If you feel like you rushed into purchasing your policy and didn’t shop around enough to compare quotes from other insurers, this is your last chance to do so. You can use a travel insurance comparison website like Squaremouth to get quotes from several travel insurance companies.

In addition to reviewing your policy details, consider these scenarios that may result in you deciding to cancel:

• The coverage you purchased doesn’t meet your needs. The policy may have too many exclusions or restrictions on what is covered. Or maybe you need a Cancel for Any Reason (CFAR) insurance policy for more flexibility.
• You’re switching to a cheaper plan from a different insurance provider. Switching could make sense if you’ve found similar coverage with another insurer at a lower cost .
• The trip is canceled or postponed to an undetermined date. Maybe you’ve quickly changed your mind altogether about traveling, or something has come up that makes you unable to travel on the dates you booked.
• You’re over-insured. Travel insurance is ideal if you have significant out-of-pocket expenses that wouldn’t be refunded if you don’t take your trip. However, you may realize after booking that you don’t have many prepaid or nonrefundable expenses. So, if your trip were to be delayed or canceled, you wouldn’t have much financial loss to make the cost of an insurance policy worth it.
• You realized you have other travel insurance coverage. Your credit card or personal health insurance may cover you while traveling, but check the details of each to be sure. Credit card travel insurance and personal medical insurance will also have exclusions, so make sure to determine whether they fit your travel needs. You’ll also want to ensure that you booked your travel with that credit card for coverage to apply.

The steps to cancel your travel insurance policy vary by provider. In some instances, if you have an online account with your insurer, you may be able to directly cancel the policy within your account. In other instances, you may have to call, send a written request by email, or submit a form on the company’s website. 

The insurer should inform you if you’re eligible for a refund of the premium you paid and when to expect the refund. If you cancel your policy, there may be a small processing or administrative fee of $5 to $10.

If you’ve verified the plan you’ve purchased meets your needs, no further action is needed. However, if it does not, you can take a few different routes. You can cancel the policy and purchase a policy from a different insurance company. Or, you can see if your current insurer will allow you to change your policy and add to your coverage. Adjustments are often allowed during the free-look period, but double-check your policy terms, as they should specify whether any changes to your coverage are permitted.

Typically, travel insurance is nonrefundable once the free-look period has ended , even if you later change your mind and decide not to travel. However, it doesn’t hurt to ask if you have other options. If you can’t receive a refund, the insurance company may offer you a credit to apply toward a future trip policy. Even if the company doesn’t explicitly allow this, they may consider it case-by-case.

When you purchase travel insurance, time is of the essence if there’s any chance you may want to cancel it. Read your policy documents thoroughly to understand what is included and what the cancellation terms are. If you wait too long to cancel, you likely won’t be able to get your premiums refunded.

Frequently Asked Questions

Is travel insurance refundable.

Yes, travel insurance is refundable, but only during the money-back guarantee or free-look period and as long as you have not made a claim.

How long do you have to cancel trip insurance?

Most travel insurance providers offer a money-back guarantee or free-look period of 10 to 15 days. A few states offer a longer time period. The clock begins on the date you purchase your policy.

Is travel insurance refundable if not used?

If you have completed your travels but did not need to use your insurance, congratulations on a successful trip. However, you cannot receive a refund of the premiums simply because you did not make a claim. Insurance is designed to cover you in case of travel troubles, but there is no guarantee anything will go wrong on your trip that you will need to make a claim.

Can you get a travel insurance refund for any reason?

If you are within the free-look period, yes, you can cancel your travel insurance and get a refund for any reason. You do not need to explain to the insurer why you are canceling your policy. Beyond the initial review period, most policies are nonrefundable for any reason.

Can you cancel travel insurance after the review period?

You should review your travel insurance documents for your insurer’s cancellation policy. In most cases, yes, you can cancel after the review period, but you likely won’t get your premium refunded. So it may be best to just keep the policy. If you’re still traveling, it may come in handy if anything goes awry on your trip.

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About Senitra Horbrook

Senitra Horbrook is a frequent solo traveler who began using points and miles in 2012. Formerly credit cards editor at The Points Guy, Senitra has also contributed to Forbes Advisor, AwardWallet, Insider, among others.

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webExclusive Report --> ട്രാവൽ ഇൻഷുറൻസ് ക്ലെയിം ചെയ്യാൻ എന്താണ് ചെയ്യേണ്ടത് ?

മനോരമ ലേഖകൻ

Published: April 19 , 2024 07:39 AM IST

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യാ ത്ര ചെയ്യുന്നത് നാട്ടിലാണെങ്കിലും വിദേശത്താണെങ്കിലും ഒരുപോലെ പ്രധാനപ്പെട്ടതാണ് ട്രാവൽ ഇൻഷുറൻസ്. വിദേശയാത്രകൾക്കുള്ള വീസ ലഭിക്കാൻ യാത്രാ ഇൻഷുറൻസ് ആവശ്യമാണ്. യാത്രയിൽ ഉണ്ടാകുന്ന അപകടങ്ങൾ, ആശുപത്രി സംബന്ധമായ പ്രതിസന്ധികൾ, പാസ്പോർട്ട് പോലെയുള്ള രേഖകളുടെ നഷ്ടപ്പെടൽ, എന്തെങ്കിലും സാഹചര്യത്തിൽ ജീവഹാനി സംഭവിക്കൽ എന്നിവയെല്ലാം ട്രാവൽ ഇൻഷുറൻസിന്റെ പരിധിയിൽ വരുന്നു. ട്രാവൽ ഇൻഷുറൻസ് എടുത്തതു കൊണ്ടു മാത്രം കാര്യമില്ല. കൃത്യ സമയത്ത് അതു ക്ലെയിം ചെയ്യാനും അറിഞ്ഞിരിക്കണം. ട്രാവൽ ഇൻഷുറൻസ് ക്ലെയിം ചെയ്യാൻ ഇക്കാര്യങ്ങൾ നിർബന്ധമായും ശ്രദ്ധിക്കണം. 

പോളിസിയെപ്പറ്റി ധാരണ വേണം

യാത്ര ആരംഭിക്കുന്നതിനു മുൻപ്, എടുത്തിരിക്കുന്ന യാത്രാ പോളിസിയെക്കുറിച്ച് നന്നായി മനസ്സിലാക്കുക. എന്തൊക്കെയാണ് പോളിസിയിൽ ഉൾക്കൊള്ളുന്നതെന്നും ഒഴിവാക്കിയതെന്നും പോളിസി രേഖകളിൽ പറഞ്ഞിരിക്കുന്ന ക്ലെയിം പ്രോസസ് എന്താണെന്നും മനസ്സിലാക്കുക. യാത്ര റദ്ദു ചെയ്യപ്പെടുക, പെട്ടെന്നുണ്ടാകുന്ന അസുഖങ്ങളും ആരോഗ്യ പ്രശ്നങ്ങളും, ലഗേജ് നഷ്ടപ്പെടുക, വിമാനം വൈകുക തുടങ്ങിയ കാര്യങ്ങൾക്കെല്ലാം യാത്രാ ഇൻഷുറൻസിൽ എന്താണ് നിർദ്ദേശിച്ചിരിക്കുന്നതെന്നു മനസ്സിലാക്കുക.

ആവശ്യമായ രേഖകൾ കരുതുക

യാത്രാ ഇൻഷുറൻസ് പോളിസി ക്ലെയിം ചെയ്യാൻ എന്തൊക്കെ രേഖകളാണ് ആവശ്യമുള്ളതെന്ന് അറിഞ്ഞിരിക്കുകയും അത് കൈയിൽ കരുതുകയും ചെയ്യണം. യൂണിവേഴ്സൽ യാത്രാപാസ്, രസീതുകൾ, ഇൻവോയിസുകൾ, മെഡിക്കൽ റിപ്പോർട്ടുകൾ, പൊലീസ് റിപ്പോർട്ടുകൾ, നിങ്ങൾ എന്താണോ ക്ലെയിം ചെയ്യാൻ ഉദ്ദേശിക്കുന്നത് അതിനെ സാധൂകരിക്കുന്ന രേഖകൾ തുടങ്ങിയവ പോളിസി ക്ലെയിം ചെയ്യാൻ ആവശ്യമാണ്. അവ ക്രമമായി അടുക്കി വയ്ക്കുക.

പോളിസി ദാതാക്കളുമായി ബന്ധപ്പെടുക

ക്ലെയിം ചെയ്യേണ്ട ഘട്ടത്തിൽ, ഇൻഷുറൻസ് കമ്പനിയുമായി ബന്ധപ്പെടുക. മിക്ക ഇൻഷുറൻസ് കമ്പനികൾക്കും ഒരു ഹെൽപ് ലൈനോ 24 മണിക്കൂറും ബന്ധപ്പെടാൻ കഴിയുന്ന എമർജൻസി കോൺടാക്റ്റ് നമ്പറോ ഉണ്ടാകും. നിങ്ങളുടെ പോളിസി നമ്പർ ഉൾപ്പെടെയുള്ള വിശദാംശങ്ങൾ അവർക്കു കൈമാറുക. യൂണിവേഴ്സൽ ട്രാവൽ പാസ്, സംഭവം നടന്ന സ്ഥലവും തീയതിയും, സംഭവത്തെക്കുറിച്ചുള്ള ഒരു ചെറിയ വിശദീകരണം എന്നിവ നൽകുക. അപ്പോൾ, എന്താണ് അടുത്തതായി ചെയ്യേണ്ടതെന്ന് ഇൻഷുറൻസ് കമ്പനി കൃത്യമായി അറിയിക്കും. എന്തെങ്കിലും അപേക്ഷകൾ പൂരിപ്പിക്കാനോ രേഖകൾ സമർപ്പിക്കാനോ ഉണ്ടെങ്കിൽ അതും അറിയിക്കും.

ക്ലെയിം ചെയ്യുന്നതിനുള്ള നടപടിക്രമങ്ങൾ പിന്തുടരുക

ഓരോ കമ്പനിക്കും പോളിസി ക്ലെയിം ചെയ്യുന്നതിന് അതിന്റേതായ നടപടിക്രമങ്ങളുണ്ട്. അതുകൊണ്ടു തന്നെ അവരുടെ മാർഗ നിർദ്ദേശങ്ങൾ പാലിക്കേണ്ടത് ആവശ്യമാണ്. ക്ലെയിം ചെയ്യുന്നതിനുള്ള ഫോം സത്യസന്ധമായി പൂരിപ്പിക്കുക. ആവശ്യമായ രേഖകൾ അപേക്ഷയ്ക്കൊപ്പം ചേർക്കുക. പിഴവുകളൊന്നും വരുത്തിയിട്ടില്ലെന്ന് ഉറപ്പാക്കാൻ വീണ്ടും ഒന്നു കൂടി പരിശോധിക്കുക. നിശ്ചിത സമയപരിധിക്കുള്ളിൽത്തന്നെ ക്ലെയിം ചെയ്യുന്നതിനുള്ള അപേക്ഷയും രേഖകളും സമർപ്പിക്കുക. സമയപരിധിക്കുള്ളിൽ അപേക്ഷകൾ സമർപ്പിച്ചില്ലെങ്കിൽ അത് ക്ലെയിം നിരസിക്കുന്നതിനുള്ള കാരണമാകും.

രേഖകൾ സൂക്ഷിച്ചു വയ്ക്കുക, കൃത്യമായി കാര്യങ്ങൾ അന്വേഷിക്കുക

ഇൻഷുറൻസ് ദാതാക്കളുമായി നടന്ന എല്ലാ ഇടപാടുകളുടെയും രേഖകൾ സൂക്ഷിച്ചു വയ്ക്കുക. യൂണിവേഴ്സൽ ട്രാവൽ പാസ്, ഇ-മെയിലുകൾ, കത്തുകൾ, ഫോൺ സംഭാഷണങ്ങളിൽ നിന്നുള്ള കുറിപ്പുകൾ എന്നിവ ഉൾപ്പെടെയുള്ളവ സൂക്ഷിച്ചു വയ്ക്കുക. ക്ലെയിം പ്രോസസ് സമയത്ത് നിങ്ങളുമായി സംസാരിക്കുന്ന പ്രതിനിധികളുടെ പേരുകൾ, സമയം, തീയതി എന്നിവ സൂക്ഷിച്ചു വയ്ക്കുക. ക്ലെയിമുമായി ബന്ധപ്പെട്ട് എന്തെങ്കിലും പ്രശ്നങ്ങൾ ഉണ്ടായാലോ അകാരണമായി നടപടി ക്രമങ്ങൾ വൈകുകയോ ചെയ്താൽ പോളിസി ദാതാവുമായി നിരന്തരം ബന്ധപ്പെടുകയും എന്താണ് പ്രശ്നമെന്ന് മനസ്സിലാക്കുകയും ചെയ്യണം.

രാജ്യാന്തര ട്രാവൽ ഇൻഷുറൻസ് ഫയൽ ചെയ്യുന്നത് വളരെ ബുദ്ധിമുട്ടായി തോന്നിയേക്കാം. എന്നിരുന്നാലും വളരെ ശ്രദ്ധയോടെ വേണം ഇതിനു വേണ്ടിയുള്ള ഓരോ കാര്യങ്ങളും ചെയ്യാൻ. പോളിസിയെക്കുറിച്ച് വ്യക്തമായി മനസ്സിലാക്കുന്നതും എന്തെങ്കിലും സംഭവിച്ചാൽ എത്രയും പെട്ടെന്ന് പോളിസി ദാതാവിനെ ബന്ധപ്പെടുന്നതും നടപടി ക്രമങ്ങൾ കൃതൃമായി പിന്തുടരുന്നതും വഴി വലിയ ബുദ്ധിമുട്ടില്ലാതെ ഇൻഷുറൻസ് ക്ലെയിം ചെയ്യാൻ സാധിക്കും. നിങ്ങളുടെ പോളിസിയുടെ സ്വഭാവം, സാഹചര്യങ്ങൾ സമർപ്പിക്കുന്ന രേഖകൾ എന്നിവയെ ആശ്രയിച്ചാണ് കാര്യങ്ങൾ മുന്നോട്ടു പോകുക. എന്തായാലും യാത്രയ്ക്ക് മുമ്പ് ഒരു നല്ല ട്രാവൽ ഇൻഷുറൻസ് പോളിസി എടുക്കുന്നത് യാത്ര കൂടുതൽ ആത്മവിശ്വാസം ഉള്ളതാക്കും.

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