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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

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 2024 , 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 a similar note...

Allianz partners with STA Travel

Allianz Global Assistance Australia, the Australian arm of international assistance and insurance provider Allianz Global Assistance, has announced a five-year partnership with the student travel company STA Travel, under which Allianz will underwrite insurance products sold through the travel firm’s network. Tony McGarvey, sales and distribution director for Allianz Global Assistance, was enthusiastic about the deal, as was chief executive officer Ian Norris, with both men agreeing that there are clear parallels between the internal cultures and operational philosophies of the two companies. “Central to Allianz Global Assistance corporate culture is the notion of assistance, and asking ‘How can we help?’,” said Norris. “This sits very comfortably with STA Travel’s commitment to providing their customers with real service and advice about genuine travel experiences.”

David Green, general manager of STA Travel’s Australian operations, added: “We believe that travel is the best education available and so have built our business primarily catering to younger travellers. But despite all manner of planning, any travel comes with inherent risk. Allianz Global Assistance has a proven track record in helping travellers abroad in need of medical or emergency assistance and will help our business continue to get people out exploring the world safely.”

Traxo And EasyJet partner

New partnership between monzo and axa, new mental health provision from aviva.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of April 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

STA Travel Insurance Reviews

Specialising in policies for the young, and young at heart, STA Travel insurance provides much more than medical cover. With many levels of cover, from basics through to comprehensive they have a policy to suit every budget. Policies are available to those of any age. They offer 24/7 emergency assistance no matter where you are in the world. Underwritten by Allianz Australia Insurance Limited.

Currently, there are no reviews for STA Travel

No travel insurance reviews yet for STA Travel. Help out other savvy shoppers and have your say on your customer experience, value for money and claims.

STA Travel FAQ

How many people can i include in my policy.

You can purchase a policy online for up to 8 adults.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Aussie waters you still need to pick pacific, not Australia as your destination.

Am I covered for skiing and my equipment?

You are covered medically for any accidents or injury that occur when you are skiing, however there is no cover for ski equipment.

Can I pay to reduce or cancel my excess?

Yes choose between nil, $100, or $250. The more excess you choose to pay, the less your premiums will be.

What additional extras are there?

Increase luggage limits or rental vehicle excess.

Am I covered if my tour company collapses?

Only if you purchase their comprehensive policy will there provision to claim.

I’m not an Aussie resident- can I buy cover?

No, cover is only available to Australian residents.

What size moped or motorbike am I covered to ride overseas?

STA will cover you for any engine size you ride as long as you’re insured to do so in Australia. Just make sure you get your International Drivers Permit (IDP) before you leave!

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? You can extend your policy with STA up to 12 months.

Do they cover for my rental vehicle excess?

Yep, optional cover for reimbursement of the rental vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in an accident while you are driving, or is damaged or stolen while in your custody. 

Do they offer pregnancy cover?

Expectant mums are covered up until 23 weeks when you purchase their comprehensive policy only.

Who underwrites them?

This insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (Incorporated in Australia) trading as Allianz Global Assistance and is underwritten by Allianz Australia Insurance Limited. 

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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• Single Travel Insurance
• Annual Travel Insurance
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• Ski Travel Insurance
• NZ Travel Insurance
• Zoom Travel Insurance
• See more companies...
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• Read Reviews
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Use our travel insurance comparision to help you save time, worry & loads of money!

Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

STA Travel Insurance Reviews

Whether you’re sightseeing, visiting family and friends, going on a working holiday or planning a list of extreme adventures, they offer quality travel insurance to help you do all the things you want on your trip - without the stress! Policies available to those under 75 yrs. Dependants under 21 travel for free. With 24/7 emergency assistance. Underwritten by Allianz Australia Insurance Limited.

Currently, there are no reviews for STA Travel

No travel insurance reviews yet for STA Travel. Help out other savvy shoppers and have your say on your customer experience, value for money and claims.

STA Travel FAQ

How many people can i include in my policy.

You can purchase a policy online for up to 8 adults.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Kiwi waters you still need to pick pacific, not New Zealand as your destination.

Am I covered for skiing and my equipment?

You are covered medically for any accidents or injury that occur when you are skiing, however there is no cover for ski equipment.

Can I pay to reduce or cancel my excess?

Yes choose between nil, $100, or $250. The more excess you choose to pay, the less your premiums will be.

What additional extras are there?

Increase luggage limits or rental vehicle excess.

Am I covered if my tour company collapses?

Yes their comprehensive policies covers for $10,000 travel insurance provider insolvency or collapse.

I’m not an New Zealand resident- can I buy cover?

No, cover is only available to New Zealand residents.

What size moped or motorbike am I covered to ride overseas?

STA will cover you for any engine size you ride as long as you’re insured to do so in New Zealand. Just make sure you get your International Drivers Permit (IDP) before you leave!

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? You can extend your policy with STA up to 12 months.

Do they cover for my rental vehicle excess?

Yep, optional cover for reimbursement of the rental vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in an accident while you are driving, or is damaged or stolen while in your custody. Cover excludes sedans, hatchbacks, station-wagon, four wheel drives, mini bus or any vehicle over 4.5 tonnes.

Do they offer pregnancy cover?

Expectant mums are covered up until 23 weeks.

Who underwrites them?

This insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (Incorporated in Australia) trading as Allianz Global Assistance and is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand.

Where are they based?

Our travel insurance comparision helps you, save time, worry and loads of money.

Stay up to date with our latest news, deals and special offers.

Your privacy is important to us.

CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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More From Forbes

How artificial intelligence is changing the way you buy travel insurance.

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Artificial intelligence is changing the way you buy travel insurance. Here's how.

Artificial intelligence is transforming the way you buy travel insurance. From shopping for a policy to filing a claim, there's no part that hasn't been touched by AI.

"AI is revolutionizing travel insurance," says Greg Jung, chief growth officer for Seven Corners . "It's making it more efficient and tailored to individual needs."

Words like "efficient" and "tailored" are rare in the one-size-fits-all, bureaucratic travel insurance industry. For years, consumers had limited choices. And when they filed a claim, it took close to forever to get an answer, much less get paid.

Not anymore.

Jung says AI is doing away with that. The benefits to travelers include:

• Personalized coverage. AI can analyze vast amounts of data on traveler profiles, including travel history, preferences, and even risk factors like age and health conditions. That allows insurers to recommend customized travel insurance plans that provide the right level of coverage for each individual's needs.
• Proactive risk management. AI can analyze data to predict potential disruptions or emergencies that could impact a traveler's trip. This allows insurers to offer assistance, such as medical advice or flight rebooking assistance, in case of unforeseen events.
• Faster claims processing. AI can automate much of the claims process, verifying documents, assessing damages, and expediting settlements. Travelers can be reimbursed for covered expenses much more quickly, especially for straightforward claims.

Behind the scenes, travel insurance companies are also using AI to conduct better risk management. And there are parts of the business where travel insurance companies won't talk about how they use AI, such as in efforts to sell policies on their sites. Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data.

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This story is a long time coming. Travel insurance companies have been generally slow to adopt AI. You can see artificial intelligence in action in a few places, but in the places that matter to you — such as finding the best policy — there are still some gaps. AI won't fix everything in travel insurance, but it promises to make many things better.

What took travel insurance so long?

Why has AI been slow to catch on in the travel insurance industry? Well, it has — and it hasn't. I wrote about how Allianz was using machine learning to improve its products five years ago .

But across the industry, change has been gradual.

"Travel Insurance is highly regulated," explains Tim Dodge, vice president of marketing at Arch RoamRight . "There are strict policy definitions, communications guidelines and adjudication rules to which we must adhere. For AI to be successful in our industry, it has to be implemented carefully; improving the customer experience while maintaining regulatory compliance."

If you file a travel insurance claim and get frustrated with the time it takes to be settled, it's because of the way travel insurance is set up. There's a lot of required documentation to review in support of the claim.

Dodge says AI can potentially facilitate and speed up the claims handling process and reduce claimants' frustrations, and that's what travel insurance companies are now doing.

Where can you see AI in action right now in travel insurance?

Travel insurance companies are not waiting for the future.

Arch RoamRight’s AI chatbot has been integrated into every aspect of its customer experience, from its phone system to its website and travel agent portal. It's even used as a training tool for new hires, according to Dodge.

At Generali Global Assistance , a carefully trained chatbot helps customers obtain instant assistance, receive accurate information, and navigate policy complexities. "This digitalization empowers our agents to provide personalized support promptly," says Christopher Carnicelli, CEO of Generali Global Assistance.

Allianz Travel Insurance has been using AI to help streamline its claims process for years. It just added a new chatbot for customer support, too. "Our chatbot supports the customer during filing in the event the customer has questions or needs further assistance, and uses AI to qualify the customer’s needs to quickly get them the help they need,” explains Maggie Butler, director of customer experience at Allianz Partners USA.

At Faye Travel Insurance , an AI-powered app helps customers file claims for flight cancellations, baggage delays, and medical emergencies. The app speeds up the claims process, ensuring travelers get paid in hours instead of days. "It's part of our commitment to making travel insurance an integral and personalized part of each traveler’s experience," says Elad Schaffer, Faye's CEO.

Over time, the entire travel insurance industry will embrace AI. But there are exceptions.

Can artificial intelligence help you find the best travel insurance?

AI might help you find a better policy, but you have to know where to look. I tested the major AIs to see how they responded to a sample query, "I'm a 28-year-old woman who lives in New York. I am planning a one-week trip to Paris this summer. Please help me find the best travel insurance."

• Gemini offered two options — Generali and Travel Insured International, but did not show rates or a bookable link. The responses appeared to be based on a news article.
• Meta AI generated a succinct response citing the benefits of travel insurance with key coverage areas.
• Microsoft Copilot showed a generic "how-to" story about travel insurance based on an article I had written for Forbes.
• Hugging Face gave a generic response with advice on how to buy travel insurance.
• Perplexity offered several specific options, including Seven Corners, Nationwide and Travelex. However, it based its quotes on a story on a news site and did not offer a link to buy the policies.

Bottom line: You can't really shop for travel insurance using AI — at least, not yet.

AI doesn't work for everything in travel insurance

In the travel insurance industry, like in other places, artificial intelligence isn't the answer to everything.

For example, at INF Visitor Care , a company that sells travel insurance to those traveling to the U.S., AI is helping automate its claims system. INF applies machine learning to identify emerging trends in claims to design policies that cover customers when they need it for unexpected issues.

"It has revolutionized the way we think about pricing and policy coverages," says PK Rao, CEO of INF Visitor Care .

But when it comes to customer service, AI is not always the best solution.

"We find customers enjoy talking to a live person on chat and phone," adds Rao.

The future of travel insurance and AI is promising

Over the long term, AI promises to reshape the travel insurance business into one that works the way customers expect it to — quickly, nimbly and efficiently.

At least that's what Daniel Green, chief technology officer for Faye Travel Insurance , sees.

"Imagine a world where most insurance claims are processed in hours instead of days," he says. "A computer system can go out and collect all the documentation for you and prepare the paperwork perfectly, ready for a human to make a quick decision on whether to approve it or not."

AI also has the potential to insure you for only what you need — to give you the "perfect" policy.

"AI can prepare it in seconds based on being able to tell a computer in your own words what coverage you need, by having it translated into insurance paperwork-speak for you," he adds.

We aren't quite there yet, but we're getting close.

There's one more thing that is potentially keeping AI from changing travel insurance — and that is customers themselves.

Breanne Armstrong, who is director of insurance intelligence at J.D. Power, says most consumers understand that artificial intelligence and machine learning have a lot of potential, "but there is hesitancy."

Armstrong bases her observation on another study that J.D. Power recently conducted on banking customers and AI. Only 28% of respondents said they believe AI will make their lives better in the next three years. Roughly one-third say it will make no difference, and 17% say it will make their lives worse.

All you have to do is engage with any chatbot to understand those 17% of respondents. Talking to an AI about banking or travel insurance — or anything else, really — can quickly end in frustration.

"There are mixed sentiments," adds Armstrong.

That may well describe how people feel about travel insurance and AI. It could be great. But if it isn't implemented carefully, it could be not so great.

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Auslandskrankenversicherung.

Schütze dich vor hohen Arzt- oder Krankenhauskosten sowie Kosten für einen Rücktransport bei Krankheit oder Unfall. Ideal vor allem für längere Auslandsaufenthalte bis zu 60 Monaten aber auch für kürzere Reisen geeignet. 

Leistungen: • ambulante und stationäre Heilbehandlung • Kranken-Rücktransport • Krankenbesuch einer verwandten Person • ohne Selbstbehalt buchbar

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Reiseversicherungspaket

Schütze dich unterwegs mit unseren Reiseversicherungspaketen, die eine Reise-Unfall-, Reisehaftplicht und wahlweise eine Reisegepäck-Versicherung enthalten. Als Basis- oder Komfortschutz buchbar.

Leistungen: • Assistance für Reise und Gesundheit • Reiseunfall-Versicherung • Reise-Privathaftpflicht-Versicherung • Reisegepäck-Versicherung (nur im Komfortschutz)

Reiserücktrittsversicherung

Wir erstatten dir Stornokosten sowie erhöhte An- oder Rückreisekosten, wenn du deine Reise nicht antreten kannst oder abbrechen musst (z.B. bei Krankheit, Nichtbestehen einer Prüfung, Absage der Gasteltern oder Heimweh).

Du hast die Wahl zwischen einem reinen Stornoschutz bei Nichtantritt der Reise und der Reiserücktrittsversicherung inkl. Reiseabbruch , die auch greift, wenn du schon unterwegs bist.

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Mietwagenversicherung

Für PKW & Camper Für alle, die während ihrer Reise einen Mietwagen oder Camper buchen wollen. Dabei wird der Selbstbehalt-Anteil bei Unfällen oder Diebstählen eines gemieteten PKWs, Campervans und Wohnmobils übernommen.

Leistungen: • Versicherungssumme bei Mietwagen bis EUR 5.000,- SB und bei Campern bis EUR 7.500,- SB • abschließbar bis zum Tag der Anmietung • kein Selbstbehalt!

Auslandskrankenversicherung USA

Egal ob du für einen Kurztrip in New York, eine Erlebnisreise im Grand Canyon oder ein Auslandssemester in den USA bist, ein Arztbesuch oder Krankenhausaufenthalt kann dort sehr hohe Behandlungskosten mit sich bringen. Daher ist eine gute Auslandskrankenversicherung gerade in Nordamerika besonders wichtig. Hier findest du jede Menge nützliche Infos zur Krankenversicherung in den Vereinigten Staaten und Kanada.

Langzeit Auslandskrankenversicherung

Du möchtest eine Weltreise machen oder planst einen Langzeitaufenthalt im Ausland für Work & Travel oder als Volunteer? Mit unserer Langzeit Auslandskrankenversicherung bist du bis zu 5 Jahre lang im Ausland abgesichert. Natürlich kann bei so einer langen Reise auch immer mal was dazwischen kommen.

Auslandskrankenversicherung Work and Travel

Du planst ein Auslandsjahr nach dem Abitur? Dann zählt Work and Travel zu den besten Möglichkeiten. Bereise ein Land wie Australien, Neuseeland oder Kanada und bessere unterwegs deine Reisekasse durch kleinere Jobs auf. Damit dein Work and Travel Abenteuer reibungslos gelingt, ist allerdings eine gute Vorbereitung unerlässlich. Dazu zählt auch die Absicherung im Krankheitsfall.

Auslandskrankenversicherung für Studenten

Ein Auslandssemester in Australien, ein Praktikum in den USA oder eine ausgedehnte Rucksackreise durch Asien – als Student hast du auf Reisen ganz besondere Anforderungen. Mit unserer Auslandskrankenversicherung gehen wir speziell auf deine Wünsche ein und bieten dir einen Versicherungsschutz, der über eine normale 0815-Reise hinausgeht.

Unser Mehrwert für dich

✔  Notrufzentrale

✔ Online-Schadenmeldung ✔ Reiseschutzpakete ✔ Reisekrankenversicherung

✔ Reisewarnung und Corona

Reiseversicherung: Deine Fragen, unsere Antworten

1. ich habe eine europäische krankenkassenkarte. bin ich damit für reisen in europa ausreichend abgesichert.

Kommst du aus Deutschland, lautet die Antwort zunächst einmal: Ja. Eine European Health Card gilt für Europa und Mittelmeeranrainerstaaten, wie zum Beispiel Tunesien. Allerdings auch mit Einschränkungen und kleinen Haken. Die Krankenkassen dürfen beispielsweise keine Krankenrücktransporte übernehmen. Das heißt: Erkrankst du im Ausland, musst du dich vor Ort im Krankenhaus behandeln lassen, bis du selbstständig und normal zurückreisen kannst. Außerdem übernehmen die Krankenkassen die Kosten nur nach den Kostenordnungen deines Heimatlandes (in Deutschland etwa der GoÄ, Gebührenordnung für Ärzte). So bekommst du oft nur 1/3 der Kosten von der Krankenkasse gezahlt und musst den Rest übernehmen.

2. Worauf muss ich achten, wenn ich in die USA oder nach Kanada reise?

Die Kosten für medizinische Notfälle sind in den USA und Kanada wesentlich höher als im Rest der Welt. Deshalb sollte deine Reise-Krankenversicherung auf jeden Fall eine Deckungssumme von mindestens 1 Mio. € aufweisen. Klingt viel, meinst du? Alleine ein Krankenrücktransport aus den USA oder aus Kanada kann schnell mal 120.000 € kosten. Die Reise-Krankenversicherung übernimmt stationäre und ambulante Behandlungen sowie den Krankenrücktransport zu 100%. Und natürlich gibt es unsere Reise-Krankenversicherung mit oder ohne USA und Kanada Option – so können wir den Preis für dich senken, wenn du gar nicht nach Nordamerika reisen möchtest.

Umsteigen ist übrigens kein Problem : Wenn du via USA oder Kanada weiterreist, ist Umsteigen inkl. Übernachtung auch in der Versicherungsvariante ohne USA und Kanada inklusive. Und wer eine Reise-Krankenversicherung von mindestens sechs Monaten abschließt, hat sogar einen Aufenthalt von bis zu 14 Tagen abgedeckt.

3. Ha! Meine Kreditkarte kann alles. Sogar eine Krankenversicherung ist mit drin! Reicht das nicht?

Das klingt leider oft besser, als es in Wirklichkeit ist. Bei solchen Zusatzleistungen der Kreditkartenanbieter ist es in der Regel so, dass die Versicherung nur stark eingeschränkte Leistungen bietet. Das kann im Ernstfall teuer werden. Deshalb solltest du unbedingt vor Reiseantritt abklären, ob zum Beispiel medizinisch sinnvolle Krankenrücktransporte enthalten sind – sowohl was die Organisation, als auch Kosten angeht. Und auch, ob mitreisende Personen versichert sind und Risikopersonen den Versicherungsfall auslösen können. Wichtig ist zu wissen, ob es finanzielle oder zeitliche Haftungsgrenzen gibt und wenn ja, wie hoch sie sind. Auch einen möglichen Selbstbehalt und ob er sich auf die Stornokosten oder den Reisepreis bezieht, gilt es abzuklären. Außerdem sehr wichtig: Gibt es eine Einschränkung in Bezug auf Reiseziel, Reisepreis und Alter? Und zu guter Letzt frag’ nach, ob es die aktive Hilfe einer 24-Stunden-Notruf-Zentrale gibt!

4. Warum ist eine Versicherung für Langzeitreisen teurer, als eine Reiseversicherung für eine „normale“ kurze Reise?

Die beiden Versicherungen sind nur schwer miteinander zu vergleichen – während eine „normale“ Reiseversicherung auf eine Dauer von ein paar Wochen ausgelegt ist, werden bei einer Langzeitversicherung ganz andere Leistungen wichtig. Zum Beispiel Arbeitseinsätze oder Schwangerschaft. Auch die Versicherungssummen für einzelne Leistungen sind bei der STA Reise-Krankenversicherung höher als bei „normalen“ Reiseversicherungen. Zudem richtet sich die Prämie ja nicht nach dem Reisepreis, sondern nach der Dauer deiner Reise.

5. Also auf meiner Liste stehen Bungee-Jumping, Raften, Fallschirmspringen und Känguru-Boxen. Versichert ihr mich trotzdem? Beziehungsweise: ist das abgedeckt?

Wir sagen es mal so: Ab dafür! Wir versichern alle Sportarten – auch die, die besonders viel Spaß machen und die Extremen. Ausgenommen: Profisport und Wettkämpfe. Aber ansonsten wünschen wir Hals- und Beinbruch!

 6. Ich habe eine Vorerkrankung bzw. eine chronische Krankheit und daher sind auch unterwegs regelmäßige Untersuchungen notwendig. Ist das abgedeckt?

Die Antwort lautet kurz und bündig: Nein. Alle Heilbehandlungen und ärztlichen Maßnahmen, deren Notwendigkeit schon bei Abschluss der Versicherung oder Antritt der Reise absehbar waren, sind vom Versicherungsschutz ausgeschlossen.

7. Ich bin auf großer Tour und habe meine Krankenversicherung zu Hause gekündigt. Jetzt bin ich unterwegs krank geworden, muss vorzeitig nach Hause und sofort behandelt werden. Was nun?

Eine Reise-Krankenversicherung endet mit der Rückkehr ins Heimatland. Deshalb ist es wichtig, dass du direkt nach der Ankunft wieder versicherst bist. Ganz egal, ob du früher oder wie geplant zurückkehrst. Außerdem gibt es in Deutschland grundsätzlich eine Krankenversicherungspflicht . Für gesetzlich Versicherte bedeutet das: Regle den Wiederbeginn deines Versicherungsschutzes am besten schon vor deiner Abreise mit dem gesetzlichen Versicherer. So stellst du sicher, dass der Versicherungsschutz sofort ab dem Tag deiner Rückkehr wieder besteht.

In der Regel besteht die Möglichkeit, eine Anwartschaftsversicherung abzuschließen – das heißt, deine Krankenversicherung wird für den Zeitraum deiner Reise nicht gekündigt, sondern ruhen gelassen. Auch hier gibt dir dein Versicherer Auskunft.

Also: Kümmere dich unbedingt vor deiner Abreise darum , dass deine Krankenversicherung direkt nach deiner Rückkehr wiederbeginnt, denn deine Auslandsreise-Krankenversicherung endet in jedem Fall unmittelbar mit deiner Rückkehr nach Hause.

Weiterführende Links und Informationen

Informationen zur Krankenversicherungspflicht in Deutschland und entsprechende Formulierungen und Aussagen aus § 193 VVG (insbesondere aus den Absätzen 3 bis 5) findest du zum Beispiel hier  

Außerdem lesenswert sind folgende Texte:

• https://www.bundesgesundheitsministerium.de/themen/krankenversicherung/online-ratgeber-krankenversicherung/krankenversicherung.html
• https://www.verbraucherzentrale.de/wissen/gesundheit-pflege/krankenversicherung/nicht-krankenversichert-was-tun-10459
• https://www.deutsche-im-ausland.org/absicherung-und-finanzen/sozialversicherung-im-ausland/krankenversicherung.html 

8. Ich bin im Ausland erkrankt und muss mich dort auskurieren. Allerdings endet meine Auslandskrankenversicherung, bevor ich nach Hause zurückkehren kann. Wie lange bin ich in diesem Fall versichert?

Achte beim Abschluss einer Reise-Krankenversicherung darauf, ob es eine so genannte Nachhaftung gibt. Leider ist das nicht bei allen Versicherungsgesellschaften der Fall und oft ist der versicherte Zeitraum recht kurz bemessen. 

STA Travel Reiseversicherungen übernehmen die Kosten für eine Heilbehandlung auch über das Ende der versicherten Reise hinaus , wenn du während des Versicherungszeitraums erkrankst. Dann übernehmen wir die Kosten einer Heilbehandlung bis zu dem Tag, an dem du transportfähig bist und nach Hause zurückkehren kannst.

9. Was ist eigentlich mit Vorsorgeuntersuchung? Greift die Versicherung hier auch oder wirklich nur im Notfall?

Wenn du auf große Reise gehst, solltest du dich vorher unbedingt mit den gängigen Vorsorgeuntersuchungen ordentlich durchchecken lassen. Schon alleine, um zu wissen, dass du auch fit für dein Abenteuer bist. Aber auch, weil deine Versicherung auf Reisen nur die Kosten für akute Krankheiten und Notfälle übernimmt. Einzige Ausnahme für deutsche Reisende, die eine Reise-Krankenversicherung mit einer Dauer von mehr als 4 Monaten abgeschlossen haben: bei einer Schwangerschaft werden Untersuchungen und/oder Behandlungen wegen Schwangerschaftskomplikationen, bei einer Fehlgeburt sowie für eine Entbindung vor Vollendung der 36. Schwangerschaftswoche übernommen. Ist die Schwangerschaft nach Beginn des Versicherungsschutzes eingetreten, zahlen wir auch für 5 Schwangerschaftsvorsorge-Untersuchungen und die Entbindung nach Vollendung der 36. Schwangerschaftswoche. Wir übernehmen auch die Untersuchung und Behandlung durch Hebammen oder Geburtshelfer an, wenn die Kosten nicht gleichzeitig durch eine/einen Ärztin/Arzt in Rechnung gestellt werden.

10. Meine Oma hat Geburtstag, mein Hamster bekommt Junge oder ich habe Heimweh – auf jeden Fall möchte ich kurz mal nach Hause. Gilt mein Versicherungsschutz eigentlich auch während Heimataufenthalten?

Wenn du in Deutschland bei uns eine Reise-Krankenversicherung für mehr als 1 Jahr abschließt, ist ein Heimataufenthalt von bis zu sechs Wochen pro Jahr automatisch mitversichert. Wie auch unterwegs werden dann Kosten für Notfälle übernommen, allerdings nicht für Vorsorgeuntersuchungen. Reise-Unterbrechung bedeutet übrigens: eine vorübergehende Rückkehr ins Heimatland und anschließende Weiterreise ins Ausland innerhalb der versicherten Zeit.

11. Was ist überhaupt der Unterschied zwischen einem medizinisch sinnvollem und einem medizinisch notwendigen Rücktransport?

Bei einem medizinisch notwendigen Rücktransport entscheidet allein der Arzt im Reiseland , ob ein Rücktransport nach Hause notwendig und vor allem möglich ist. Diese Art der Rücktransportversicherung findet sich oft in Kreditkartenversicherung oder bei nicht spezialisierten Versicherern. Allerdings ist sie nicht empfehlenswert – denn welcher Arzt lässt schon gerne einen Privatpatienten früher gehen? Bei einem medizinisch sinnvollen Rücktransport entscheidet ein Arzt des Versicherers nach Gesprächen mit dem Arzt vor Ort sowie dir, ob ein Rücktransport sinnvoll ist. Meist kommt es dann zu einem Rücktransport, sobald eine Transportfähigkeit besteht. Das ist ganz bestimmt immer im Sinne des Betroffenen. Also dir.

12. Genügt nicht auch eine Hausratversicherung zur Absicherung meines Reisegepäcks?

Nein. Wie der Name schon sagt: Eine Hausratversicherung ist keine Reisegepäckversicherung. Deine Hausratversicherung kümmert sich um Schäden, die durch Raub oder Einbruchdiebstahl entstehen, die Reisegepäckversicherung übernimmt urlaubstypische Risiken wie einfachen Diebstahl oder Trickdiebstahl. Mopst dir jemand im Urlaub die Handtasche oder den Koffer aus dem Hotelzimmer, ist die Reisegepäckversicherung zur Stelle! Außerdem deckt die Reisegepäckversicherung den Diebstahl von Gepäck aus dem Auto. 

Deine deutsche Reisegepäckversicherung erstattet auch die Kosten, wenn aufgegebenes Reisegepäck während des Fluges abhandenkommt, beschädigt wird oder nicht am selben Tag wie du den Bestimmungsort erreicht. Dann zahlt die Versicherung die Aufwendungen zur Wiedererlangung des Gepäcks oder eine notwendige Ersatzbeschaffung .

Und für alle gilt unser Tipp : Fertige auf jeden Fall eine Liste deiner mitgeführten Utensilien an und ermittle einen realistischen Zeitwert deines kompletten Gepäcks.

13. Wie gehe ich im Schadenfall vor?

Du musst jeden Schaden unverzüglich mitteilen ! Die versicherte Person muss das Schadenereignis schildern und nachweisen – beim Gepäckdiebstahl etwa mit einem Polizeiprotokoll oder bei einem Reiserücktritt per ärztlichem Attest. Außerdem solltest du den Schadenumfang nennen und – wenn möglich – belegen. Zum Beispiel mit einem Kaufbeleg oder einer Stornorechnung. Alle zur Bearbeitung notwendigen Belege braucht die Versicherung im Original , für deine eigenen Unterlagen solltest du dir Kopien anfertigen. Hier findest du Notfallkontakt und einen Link zur Online Schadenmeldung für Deutschland .

14. Okay, jetzt mal Butter bei die Fische! Was kostet denn Krankwerden im Ausland so? Ist das wirklich soooo teuer?

Jep. Hier ein paar Beispiele. Behalte dabei immer im Hinterkopf, dass du für diese Kosten selbst aufkommen musst, wenn du keine Reisekrankenversicherung hast. Fangen wir harmlos an: Du bist in der Türkei und hast ein olles Köfte gegessen. Jetzt hast du Magen-Darm und zwar so arg, dass du stationär ins Krankenhaus musst. Kostet am Tag schlappe € 900. Das gleiche mit Hot-Dog in den USA oder Kokosnuss in Costa Rica: € 6.000 bis € 7.000. Ja genau – am Tag. Beim Rennrodeln das Knieverdrehen mit Kreuzbandriss? In Österreich so € 8.000 bis € 10.000, in den USA oder Kanada auch schon mal € 20.000. Plus Rücktransport. Rücktransport? Auch kein Schnäppchen. Aus Asien zurück nach Europa schon € 20.000. Aus den USA oder Kanada € 120.000. Richtig teuer wird es bei Herzkrankheiten, bei denen noch eine OP notwendig ist. Das verschlingt in den USA, Kanada, in Mexiko oder der Türkei schnell € 100.000 bis € 200.000. Plus Rücktransport.

Und zu diesen Kosten kommen meist noch die Aufwendungen für deine Begleiter, Storno bzw. Annullierungskosten und jede Menge mehr hinzu. Du siehst: ohne Reise-Krankenversicherung kannst du auch direkt zuhause bleiben.

15. Kann ich als Bürger aus der Schweiz eine Reiseversicherung bei euch abschließen?

Leider können wir momentan keine Reiseversicherungen für Bürger aus der Schweiz anbieten. Dies liegt daran, dass gemäß den Vorgaben der schweizerischen Finanzaufsicht nur schweizerische Staatsbürger Versicherungsprodukte aus ihrem eigenen Land abschließen dürfen. Wir hoffen dennoch, dass du deine Reisepläne trotzdem in die Tat umsetzen kannst. Bei weiteren Fragen stehen wir dir gerne zur Verfügung!

Was tun im Notfall?

Unser Versicherungspartner Hanse Merkur ist 24 Stunden an 7 Tagen in der Woche rund um den Globus für dich erreichbar und berät dich bei dringenden Notfällen. Telefon: +49 40 5555-7877

Bitte verständige unseren Versicherungspartner unverzüglich bei: • Reiserücktritt • Reiseabbruch • Stationärem Krankenhausaufenthalt bzw. Erkrankungen, welche eine mehrmalige ambulante Behandlung erfordern • Reiseunfall • Gepäckverlust

Du bist dir nicht sicher, ob du die Reise antreten kannst?

Die Stornoberatung ist in jeder Reiserücktritt-Versicherung inklusive. Erfahrende Reisemediziner beraten dich, ob deine Reise im Krankheitsfall storniert werden muss oder abgewartet werden kann, ob du doch reisen kannst. Das Risiko von eventuell höheren Stornokosten übernimmt Hanse Merkur.

Was tun bei einer Schadenmeldung nach der Reise?

Schnell, bequem und rund um die Uhr meldest du einen Schaden unter https://www.hmrv.de/schadenmeldung  

• Travel insurance plans

Tin Leg Travel Insurance Cost

Compare tin leg travel insurance.

• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

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.

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg Travel Insurance offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg Travel Insurance is the right travel insurance for you.

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. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg Travel Insurance is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg Travel Insurance is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg Travel Insurance because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg Travel Insurance has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg Travel Insurance's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg Travel Insurance doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg Travel Insurance travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinu, and Gold plans compare:

Additional Coverage Options

Tin Leg Travel Insurance travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg Travel Insurance, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and  the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg Travel Insurance travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg Travel Insurance's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg Travel Insurance travel insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg Travel Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg Travel Insurance plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg Travel Insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg Travel Insurance is that you can report a claim online or over the phone. You can contact Tin Leg Travel Insurance's claims department at 844-240-1233 or by email at [email protected] . It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg Travel Insurance will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg Travel Insurance is well reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg Travel Insurance is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg Travel Insurance during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work, but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg Travel Insurance travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg Travel Insurance travel insurance to Travel Guard , we'll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg Travel Insurance's Gold plan, you'll see that AIG's coverages are better than Tin Leg Travel Insurance's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg Travel Insurance's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg Travel Insurance would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg Travel Insurance travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg Travel Insurance's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg Travel Insurance's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg Travel Insurance's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg Travel Insurance policy, as long as you haven't left for your trip. 

All Tin Leg Travel Insurance travel insurance policies include 24/7 emergency assistance services.

Tin Leg Travel Insurance claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg Travel Insurance travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg Travel Insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg Travel Insurance to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

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

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

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Read the fine print: Winnipeg couple's travel insurance claim 'not covered,' insurer says

Flood forced pair to cancel trip, but cancellation coverage didn't include specific event.

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A Winnipeg senior is questioning the value of buying flight cancellation insurance after his claim was denied.

James Parker, 78, and his wife, Rena, bought two tickets on WestJet flights to Calgary last December to visit relatives in January. They purchased the cheapest ticket option knowing they wouldn't get a refund or credit should they need to cancel, so they decided to get cancellation insurance just in case.

The insurance was a cheaper option than the more expensive tickets.

"Pre-COVID, we didn't really buy cancellation insurance," James Parker said.

Because there have been so many delays with airlines since the pandemic, Parker says he thought he would get insurance for peace of mind. After he selected his tickets and seats, he clicked on the box for cancellation insurance.

"It was $117, I think, something like that," he recalled. "It gives me a little bit of peace of mind, you know, so that's what I did."

A few weeks later, he says, they got a call that their accommodations would no longer be available because their relative's condo had flooded and she was forced to move out for six weeks. The Parkers had rented a condo in the building, but were told they would no longer be able to stay there.

WestJet refunded Parker's seat selection, but he was still out $623.72 on the cost of the flight. He filed a claim with Allianz Global Assistance Canada, thinking he would be covered. He was not. 

"I mean, it said cancellation insurance. Quite honestly, I didn't read the fine print," Parker said.

"You would think there would be some leeway … it was impossible for us at the time to to make other arrangements." 

A spokesperson for Allianz Global Assistance says the trip cancellation and interruption plan offered through WestJet does not cover disasters that affect prepaid accommodations at the insured's destination.

"In general, for prepaid travel expenses to be eligible for reimbursement under trip cancellation benefits, the reason for cancellation must be listed as a 'covered reason' within the customer's policy of insurance," wrote Tayjua Squire, manager of corporate communications for Allianz Global.

She said a copy of the policy would have been provided to the customer at time of purchase.

Squire said all travellers should review their policy to understand the scenarios that are covered, and those that are not.

He believed his claim was reasonable and would therefore be reimbursed for the cancelled flights, but later learned if it's not listed as a covered reason no refund is provided.

"I thought it was unfair, and I questioned my idea about what insurance is for," he said.

94% of claims are paid: insurance association

The Travel Health Insurance Association of Canada says a recent survey showed 94 per cent of travel insurance claims are paid.

"The benefits are there for many Canadians when they're purchasing it. It's the unfortunate times when the coverage expectation doesn't line up with the actual wording of the policy," said the association's executive director, Will McAleer. 

He says policies vary and advises purchasers to become familiar with what's covered before boarding the flight. 

"They put policies in and they price them according to the wording that they've got, so it'll cover certain things in one policy, but maybe not another ," McAleer said.

For example, one of the "covered reasons" listed on Allianz Global's website includes a disaster "that renders your pre-booked destination accommodation uninhabitable after you book your trip." In that case, the Parkers would have been covered, but that option was not included in the WestJet policy he purchased.

"It's not unusual for insurers in the Canadian market to have many different policy wordings depending on the partner or the partnership that they're working on. And those can differ in terms of coverages and provisions," McAleer said.

Parker feels he had a valid reason to cancel his trip and should have been covered.

"It's the principle more than the money that is bothering me at the moment," he said, adding travel insurance policies need to be more nuanced.

"I understand it's a business to make money, but I think there should be leeway to deal with changes or modifications that arise, because not everything can be written down, you know? I mean, it's life," Parker said.

He said in the future he would rather buy travel insurance from a local company, and not just tick off a box and hope he will be covered if anything happens.

Winnipegger denied flight refund even though he bought cancellation insurance

About the author.

Investigative Reporter, CBC Manitoba I-Team

Caroline began her career co-hosting an internet radio talk show in Toronto and then worked at various stations in Oshawa, Sudbury and Toronto before landing in Winnipeg in 2007. Since joining CBC Manitoba as a reporter in 2013, she won a Canadian Screen Award for best local reporter, and received a CAJ and RTDNA awards for her work with the investigative unit. Email: [email protected]

• Twitter: @cbarghout
• Caroline's Facebook page

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Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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Is It Safe in Colombia?

Is It Safe in Sweden?

Is It Safe in Germany?

Is It Safe in Iceland?

Is It Safe in Mexico?

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Is It Safe in Russia?

2020 Travel Warnings for Countries in Africa

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Is It Safe in Trujillo, Peru?

Allianz annuities and life insurance: for all that's ahead

For more than 125 years, Allianz Life Insurance Company of North America (Allianz) has been helping Americans like you prepare for their financial future.

Our innovative products give you and your family financial protection and guaranteed retirement income.

Allianz annuities provide dependable retirement income. They can also give you accumulation potential, plus the opportunity for tax-deferred growth.

Allianz life insurance offers a death benefit for your loved ones that is generally income-tax-free. You also get flexible premium options, the opportunity to earn indexed interest, and access to your cash value.

Buffered ETFs from Allianz Investment Management LLC can help hedge your retirement portfolios from market drops. They offer a downside Buffer against market swings and offer equity exposure with growth potential, up to a Cap.

We’re committed to you for the long term.

• We invest for long-term results.
• Our investment manager, Allianz Investment Management LLC, manages risk in-house, in real time.
• We maintain consistently high ratings.
• We have a long history of keeping our promises.

Other helpful resources

About Allianz

Get information about our headquarters, our executive leadership, our company’s history, and more.

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Supplier diversity

Together with our partners, we help elevate underrecognized businesses in the communities where we live and work for a more sustainable future.

Get answers to questions regarding account management, tax forms, claims, and more.

Not finding the information you need? Here are several ways you can get in touch.

FIUL is not a source for a guaranteed stream of income in retirement.

Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC,  member FINRA , 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.  800.542.5427   www.allianzlife.com

This content does not apply in the state of New York.

Withdrawals will reduce the contract value and the value of any potential protection benefits. Withdrawals taken within the contract withdrawal charge schedule will be subject to a withdrawal charge. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax.

Product and feature availability may vary by state, broker/dealer, and registered investment adviser.

Investment involves risk including possible loss of principal. There is no guarantee the funds will achieve their investment objectives and may not be suitable for all investors.

Investors may lose their entire investment, regardless of when they purchase shares, and even if they hold shares for an entire Outcome Period. Full extent of Caps and Buffers only apply if held for stated Outcome Period and are not guaranteed. The Cap may increase or decrease and may vary significantly.

Investors should consider the investment objectives, risks, charges, and expenses carefully before investing. For a prospectus with this and other information about the fund, please visit www.allianzim.com and review the prospectus. Investors should read the prospectus carefully before investing.

ETFs are distributed by Foreside Fund Services LLC.

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A History of Moscow in 13 Dishes

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June 1, 2020

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Due to travel restrictions, plans are only available with effective start dates on or after

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Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

OneTrip Rental Car Protector

We've created a solution to save you time and money at the car rental counter. Our car rental insurance product is called OneTrip Rental Car Protector and provides primary coverage for covered collision, loss and damage up to $50,000, along with 24-hour emergency assistance. For only $11 per calendar day you can be covered, and won't ever have to worry about using your personal car insurance company.

Get a Quote

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Rental Car Insurance Tips & Resources

Rental car insurance can be confusing, complicated and costly. So do you really need car rental insurance ? That’s a question we hear often from travelers. The answer is yes — and no.

In most cases, you don’t need all the different kinds of rental car insurance that the rental company pushes you to buy. However, there’s one type of insurance you should get: a collision damage waiver, which covers costs associated with rental car damage or theft. It’s smart to buy a collision damage waiver before renting a car, because you can save money and avoid aggressive upsells. The OneTrip Rental Car Protector  from Allianz Global Assistance provides up to $50,000 in coverage for just $11 per calendar day — and, with few exceptions, covers you anywhere in the world.

In this resource guide, we help you understand if you need rental car insurance and share our best tips for saving money and driving safely overseas. Travel happy!

Featured Articles

The Four Types of Rental Car Insurance, Explained

Here it comes across the counter: the contract you have to sign to get your... More »

What Does Rental Car Insurance Cover?

What exactly does OneTrip Rental Car Protector from Allianz Global Assistance cover?... More »

What to Do in a Rental Car Accident

In the aftermath of a car accident, drivers tend to have more questions than answers... More »

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

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

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