one trip travel insurance cost

June 1, 2020

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

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

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

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OneTrip Basic

When you want trustworthy trip protection that easily fits your budget, OneTrip Basic is a smart choice. Trip cancellation benefits can reimburse your prepaid, non-refundable expenses — such as vacation rental costs, airfare, even campground reservations — if you must cancel your trip due to a covered reason. This plan also includes crucial benefits for trip interruption, emergency medical, travel delays and lost/stolen or damaged baggage. Coverage for existing medical conditions is available.

All benefits are  per insured  unless otherwise noted. If you’re renting a car for your trip, you can save money at the rental counter by adding the OneTrip Rental Car Protector to your plan.

Benefits/Coverage

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

Epidemic Coverage

Adds certain epidemic-related covered reasons for Trip Cancellation/Interruption; Emergency Medical Care; and Emergency Transportation. For example, you may be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip because you, a travel companion, or a family member are diagnosed with an epidemic disease such as COVID-19.

Trip Cancellation

Up to $10,000

Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.

Benefit is   per insured traveler .

Trip Interruption

Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason.

Emergency Medical

Provides benefits for losses due to covered medical and dental emergencies that occur during your trip. There is a $500 maximum for all covered dental expenses.

Benefit is  per insured traveler .

Emergency Medical Transportation

Provides benefits for medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.

Baggage Loss/Damage

Covers loss, damage or theft of baggage and personal effects.

Baggage Delay

Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.

Travel Delay

$300 (Daily Limit $150)

Provides reimbursement for eligible, additional accommodation/travel expenses and lost prepaid expenses due to a covered departure delay of six or more hours.

24-Hr Hotline Assistance

With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.

Pre-Existing Medical Condition

Your plan may provide pre-existing medical conditions coverage if you, a traveling companion, or family member has a pre-existing medical condition. We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the conditions or symptoms are controlled by that prescription, and the prescription has not changed). The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Coverage for a pre-existing medical condition is excluded unless:

• You purchased your plan within 14 days of making your first trip payment or first trip deposit;
• On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. (If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.);
• You are a U.S. resident;
• You were medically able to travel on the day you purchased the plan.

All other contract terms and conditions apply.

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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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9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

Find the Best Travel Insurance & Avoid Costly Surprises

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Standard Single Trip Policies

• The most popular and comprehensive travel insurance plan
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Annual / Multi Trip Policies

• Cost-effective option for travelers taking multiple trips a year
• Includes common medical, delay, and luggage benefits
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• Offers comprehensive trip protection on land and at sea
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Adventure & Sports Policies

• Essential for travelers partaking in high-risk activities
• Provides protection for lost or delayed sports equipment
• Strong coverage for cancellations and medical emergencies

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When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

That's why we're here – over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance plans and protect their trip expenses.

Our industry-leading comparison platform , enriched by customer reviews, displays unbiased results based on your specific trip details. If you run into any trouble, our multi-award-winning customer service team is just a phone call away.

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Key Travel Insurance Benefits

Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great Experience!

"The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others."

Savannah from NC 03/26/2024

Great Coverage and Price

"Getting a travel insurance quote online was easy. We have used Squaremouth before and have been pleased each time. It's peace of mind for our travel needs."

Rhonda from IN 03/20/2024

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"I always use Squaremouth simply because it is so easy to use and offers plans that are affordable to me."

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"They give great service, and the website is so easy to navigate to find just the right insurance plan. I always appreciate working with them."

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The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others.

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

How to Buy Travel Insurance on Squaremouth

If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

While rare, some countries or organized tours may require proof of travel insurance that lasts for the duration of your trip. Our Destination Center is a good starting point to learn about entry requirements and travel insurance recommendations.

While it is typically not mandatory, travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international or high cost trips. View our list of the top international travel insurance providers .

What Does Travel Insurance Cover?

Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations , medical emergencies , travel delays , missed connections , accidental death and dismemberment , and lost luggage . Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.

How Much Does Travel Insurance Cost?

In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without an insured trip cost will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: Travel insurance benefits outline what situations are covered under each plan. Make sure each plan you’re considering includes coverage for what’s important to you.
• Coverage Limits: Plans will set limits to how much reimbursement you’re eligible for, and can vary significantly. Higher coverage limits can result in less out of pocket expenses in the event of a claim.
• Exclusions: Travel insurance companies will list specific activities, equipment, and scenarios that are not covered by their plans in the event of a claim.
• Premium: Higher priced insurance products do not always equate to better coverage. We recommend choosing the most affordable plan that offers the travel protection you need.
• Provider Reputation: All providers on Squaremouth have been carefully vetted and offer 24-Hour Assistance services. Customers are also encouraged to share honest reviews about their experience before, during, and after their trips.

Does Travel Medical Insurance Cover International Trips?

In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.

To avoid out-of-pocket expenses if you need medical care in the event of an emergency, many travelers opt for travel medical insurance. These plans can cover the cost of treating unexpected medical conditions incurred during your international trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Submit supporting documents: Attach all required documents to substantiate your claim.
• Keep records: Maintain copies of all submissions and correspondence for your records.
• Follow up: Stay in touch with the insurer for updates on your claim status.
• Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.

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Travel Insurance

Average cost of travel insurance in 2024

Heidi Gollub

Megan Horner

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

Updated 9:53 a.m. UTC May 2, 2024

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• Travel insurance costs an average of 5% to 6% of the cost of your trip. 
• Your travel destination and your age impact the cost of travel insurance. 
• Senior travelers need to budget extra for travel insurance as they pay a higher percentage of their trip cost — an average of 18% for 80-year-olds.

There are several factors that influence how much you’ll pay for travel insurance, from your age and travel destination to the cost of your trip and the coverages you choose. Our insurance experts analyzed rates from the best travel insurance companies, and we’ve used that data to break down the average cost of travel insurance for you.   

Compare travel insurance costs personalized for your trip

Travel insured.

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your nonrefundable trip expenses. To insure a $1,000 trip, for instance, costs an average of $61 (6%). 

Average cost of travel insurance by trip cost 

Average cost of travel insurance is based on quotes for a 30-year-old female traveling from California to Mexico for a 14-day trip. Source: Squaremouth.

Traveling on a budget? Check out these cheap travel insurance plans .

Average cost of travel insurance by age

While the cost of your trip is a key factor in how much you’ll pay for travel insurance, your age can also impact your rate. This is particularly true for travelers over 60. The average cost of travel insurance for a 70-year-old increases to 11% of total trip cost, and 80-year-old travelers pay an average of 18% for a senior travel insurance policy. 

Average cost of travel insurance by number of travelers in your group

If you’re traveling with others, it’s typically cheaper to insure everyone in your group with a single travel insurance policy. Some plans even cover kids younger than 17 for free, as long as they’re traveling with their parents on the same itinerary. 

In our analysis of travel insurance rates, we found that a family of four taking a 14-day trip from California to Mexico valued at $5,000 only pays about $29 more than a solo traveler buying travel insurance for the same trip. A couple, both age 40, will pay an average of $17 more than a single traveler of the same age. 

What determines travel insurance costs?

One of the biggest factors to influence the cost of travel insurance is the travel insurance plan you select. The best travel insurance plans bundle several types of insurance, including coverage for trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage loss and delay. The more comprehensive the plan, the more you’ll pay for travel insurance. 

The coverage limits of your policy will also affect its cost. The limits dictate how much you’ll be reimbursed if you use your insurance. All of the 5-star plans in our best travel insurance rating offer medical reimbursement limits of $1 million. The higher the reimbursement limit, the more expensive your coverage will be. 

Sample rates for different travel insurance plans

Average cost of travel insurance is based on quotes for a 30-year-old female traveling from California to Mexico for a 14-day trip. Different levels of benefits can account for price differences. These rates do not include a “cancel for any reason” upgrade. Source: Squaremouth.

Average travel insurance cost for “cancel for any reason”coverage

Based on our analysis of 16 travel insurance policies, adding CFAR coverage to a travel insurance policy will increase your cost by about 50%. 

If you want to be able to cancel your trip for any reason — not just those listed in your policy — consider buying a travel insurance plan that offers “cancel for any reason” (CFAR) coverage .

“In 2023, the travel industry has faced a number of challenges including a rise in inclement weather, staffing shortages and strikes,” said Rajeev Shrivastava, CEO of VisitorsCoverage. “Consequently, we’re seeing an increase of canceled trips, disrupted flights and stranded travelers.” 

“To prepare for these uncertainties,” said Shrivastava, “travelers should consider choosing flexible insurance coverage options like ‘cancel for any reason’ and ‘interruption for any reason,’ which protect trip investments in case of cancellations or disruptions.”

“Interruption for any reason” (IFAR) coverage isn’t as readily available as an upgrade, but it typically adds only 3% to 10% to the cost of your travel insurance.

Travel insurance costs for your vacation

What travel insurance covers.

“Travel insurance provides coverage for prepaid, nonrefundable trip expenses — up to the limits of the policy — should a trip be canceled or interrupted for a covered reason,” said Daniel Durazo, director of external communications at Allianz Partners USA. 

The trip cancellation insurance part of your travel insurance can reimburse up to 100% for lost trip deposits, such as airline tickets, hotel rooms, rental cars, tours and cruises, if you cancel your trip for a reason listed in your policy.

“Examples of acceptable reasons to cancel a trip include illness or injury for the traveler, a close family member or a traveling companion,” said Durazo. “Other reasons may include your travel supplier stops offering services for 24 hours due to a natural disaster, severe weather or a strike, your home or destination becomes uninhabitable, or you or a travel companion are laid off after you purchase your policy.”

Once you start your trip, travel insurance continues to offer financial protection, said Durazo. “Post-departure benefits can help cover expenses like lost bags and travel delays and most importantly, can include emergency medical coverage and emergency medical transportation.” 

If you do become ill or injured while traveling, travel insurance can cover your medical costs including doctors’ fees and hospital costs that may not be covered by your health insurance. “Domestic health care plans are usually not accepted outside the U.S.,” Durazo said. “So it’s especially important to get travel insurance with medical coverage and emergency medical transportation when traveling internationally.” 

Even if you’re not traveling out of the country, travel insurance with medical coverage can be a good idea, Durazo said. “As many Americans now have high deductible health insurance plans, trips to urgent care or the ER can be expensive but could be covered by travel insurance while traveling.” 

Methodology

Using data from Squaremouth, a travel insurance comparison website, our insurance experts analyzed rates for 23 travel insurance plans. The average rates were determined by comparing quotes for trips with a variety of costs, traveler ages, traveler groups and travel plan benefits.

Travel insurance costs FAQs

The average cost of travel insurance is between 5% and 6% of the cost of the trip. How much you pay for travel insurance will depend on the travel insurance company and plan you select, the total cost and destination of your trip, the age of travelers and the number of travelers you’re insuring. 

You may wonder: Is travel insurance worth it?  

A comprehensive travel insurance plan will include coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency medical evacuation and baggage delay and loss. 

Read your travel insurance policy carefully to understand what is covered and what is excluded. You can sometimes purchase add ons such as “cancel for any reason” (CFAR) coverage. 

Do you need trip insurance? What travel insurance covers

Yes, travel insurance is typically more expensive for older travelers. While the average cost of travel insurance for a 20-year-old traveler is $224, the average cost increases at age 60 to $420 and to $907 for an 80-year-old. 

Find the best coverage: Best senior travel insurance companies

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

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

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

Megan Horner is editorial director at USA TODAY Blueprint. She has over 10 years of experience in online publishing, mostly focused on credit cards and banking. Previously, she was the head of publishing at Finder.com where she led the team to publish personal finance content on credit cards, banking, loans, mortgages and more. Prior to that, she was an editor at Credit Karma. Megan has been featured in CreditCards.com, American Banker, Lifehacker and news broadcasts across the country. She has a bachelor’s degree in English and editing.

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Travel Insurance

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For flight insurance protection:

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Manage Your Travel And Flight Insurance

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Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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How Much Travel Insurance Costs (and When You Should Get It)

E very time you buy a plane ticket, cruise trip or other travel tickets, you end up getting asked the same thing: Do you want to add travel insurance for just a few extra dollars? In that moment, you’re probably excited about buying your tickets and making plans, not thinking ways you can pay more for insurance for—what exactly?

Travel insurance sounds like one of those types of insurance you don’t need , just like extended warranties are generally not worth it. But in some cases, shelling out for travel insurance is a smart move. Let’s take a look at your options and when travel insurance makes sense or doesn’t.

What does travel insurance cover and how much does it cost?

You can get travel insurance from a number of sources: the airline or cruise carrier directly, an independent travel insurance agency, and, sometimes, your credit card. Travel insurance typically costs between five and 10% of your trip cost , according to travel insurance comparison site SquareMouth .

The insurance coverage varies by your carrier as well as the individual policy you purchase. Overall, though, travel insurance is meant to protect you against unforeseen travel misfortunes, like an illness that forces you to cancel your trip.

There are four main types of coverage included in most travel insurance.

Trip cancelation and trip interruption insurance

This reimburses you for non-refundable travel costs if your trip is canceled or seriously delayed due to a natural disaster, illness, or if your carrier goes out of business . Independent and carrier-provided insurance policies offer protection up to the amount you purchased.

One aspect that can raise the cost of your travel insurance policy is “cancel for any reason” coverage. If you want this coverage, you must buy your policy within two or three weeks of making your trip deposit or buying your tickets. It gives you the right to cancel up to a few days before your departure date and get a refund of about 50% to 75% of your costs.

It may seem silly to get insurance for simply changing your mind. But some reasons you might need to cancel your trip wouldn’t be covered by regular cancelation insurance, like a job loss that dramatically reduces your income or the illness of a family member.

Our favorite sturdy suitcases to protect your belongings on your next trip:

• Most durable carry-on: Pelican Air Luggage
• Best value: Samsonite Winfield 2
• Budget option: Samsonite Omni

Insurance for baggage and personal items

If someone steals something from your bag or your luggage is lost or delayed , travel insurance will pay you for the trouble of replacing your personal gear.

You usually get coverage of up to $500 per delayed bag and up to a few thousand dollars for a lost bag.

Travel accident insurance

Just as you wouldn’t want to go without medical insurance in everyday life, when you’re traveling abroad, it’s important to stay covered in case of accidents.

Coverage typically includes doctor visits, ambulance rides, hospital stays, and prescription medication. It may also cover the cost of evacuation to get you back home during a medical emergency. This category typically covers costs up to $100,000-$200,000.

Accidental death or dismemberment insurance

If someone in your party dies or suffers a life-altering accident, this insurance feature pays out up to about $500,000, depending on the situation.

Is travel insurance worth it?

As with other insurance policies, buying travel insurance (or not buying it) is a gamble. You don’t want to ever regret not buying the insurance, but you also don’t want to pay for something you don’t need. Looking at the list above, you might already be covered for some of these items elsewhere—perhaps you already have life insurance that covers death or dismemberment or health insurance that covers emergencies abroad.

Two rules of thumb: Travel insurance is worth it when you’re traveling abroad and your health insurance doesn’t cover emergencies outside of your country, or when a large portion of your trip is non-refundable.

For everything in between, consider how much a financial disaster it would be if something bad happened on your trip or you had to miss it. Here’s a three-step process to decide, in case you’re still not sure:

How to know if you should get travel insurance?

You probably don’t need travel insurance if you got one of those cheap last-minute flights. Travel insurance would cover lost bags and delays, but the policy price wouldn’t be worth it for most people. If you’re on an expensive trip, though, or there are more chances something will go wrong (you’re traveling to Chicago during the winter, for example, or to the Caribbean during hurricane season), you’ll probably want to insure it.

Your credit card likely offers travel insurance

If your credit card offers travel insurance—most rewards cards offer some coverage —read the fine print to see if it would take care of your insurance needs. Any travel plans you want coverage for must be booked on the credit card that offers travel insurance.

If you opt for your credit card’s travel benefits, carry the coverage details with you so you don’t have to scramble in the event of an emergency. And if you need to file a claim, do it ASAP —cards tend to have a claim window of about 30 days after an incident—and keep all receipts from any expenses incurred during the emergency.

Keep in mind that travel accident and emergency medical coverage is less likely to be covered by your credit card. If this is a concern, you’ll probably still want to explore a separate travel insurance policy.

How much will travel insurance costs for my trip?

Use comparison sites like InsureMyTrip and SquareMouth to compare independent agency policies available for your trip. While the insurance offered by airlines and cruise lines are often comparable (and often provided by the same third-party insurers), it’s hard to read the fine print of what your coverage will be when you’ve got tickets in your checkout cart. The independent insurers are usually a bit cheaper, too.

Finally, remember that you have to get insurance before your trip starts; it won’t protect you if you get the insurance after an accident happens or your trip is canceled. That would be like trying to get home insurance after your house has already burned down.

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Best Annual Travel Insurance in 2024

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

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

Factors we considered when picking travel insurance companies

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

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

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

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

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

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

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

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

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

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

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

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

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

2. Seven Corners

What makes Seven Corners great:

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

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

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

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

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

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

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

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

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

What does travel insurance cover?

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

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

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

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

Many credit cards come with complimentary travel insurance .

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

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

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

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

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

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 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 Chase's website

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

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

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

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

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

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

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

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

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

Our top picks for the best senior travel insurance

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

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

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

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

Best overall: Allianz

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

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

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

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

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

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

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

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

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

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

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

Read our World Nomads Travel Insurance review here.

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

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

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

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

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

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

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

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

Types of coverage

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

Benefits of travel insurance for seniors

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

Making the most of your plan

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

Understanding your policy

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

Emergency assistance services

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

How to pick senior travel insurance

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

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

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

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

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

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

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

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

You can read more about our insurance rating methodology here.

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

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

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

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

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

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

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

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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Nomadic Matt's Travel Site

Travel Better, Cheaper, Longer

Southeast Asia Travel Guide

Last Updated: November 27, 2023

Backpackers have been traveling through Southeast Asia since the late 1960s and early 1970s, leaving a well-worn trail around the region.

Starting in beautiful Thailand, the trail makes its way to up-and-coming Laos, through Vietnam, and to the temples of Angkor Wat. It then winds back into Thailand, where people head south to party in the Thai islands before moving down to Malaysia and Singapore.

There are a few variations to the trail, but this is what it mostly covers.

I’ve been visiting this region since 2004 and spent years living in Thailand . I love backpacking Southeast Asia and have written extensively about it as I know it like the back of my hand.

It’s an especially great region for new travelers because it’s easy to travel around, it’s safe, and there are lots of other travelers you can meet. But it’s also perfect for veteran travelers too as there are tons of off-the-beaten-path destinations that the standard backpacker trail doesn’t cover.

In short, Southeast Asia has something for every traveler — and every budget.

This Southeast Asia travel guide will help you travel the region like a pro, ensuring you save money and make the most of your time in this fun, gorgeous, and lively corner of the world.

Table of Contents

• Things to See and Do
• Typical Costs
• Suggested Budget
• Money-Saving Tips
• Where to Stay
• How to Get Around
• How to Stay Safe
• Best Places to Book Your Trip
• Related Blogs on Southeast Asia

Click Here for Country Guides

Top 5 things to see and do in southeast asia.

1. Admire Angkor Wat

One of the greatest human creations in history, the Angkor Wat temple complex is best explored over the course of a few days. The area is a UNESCO World Heritage Site created by the Khmer Empire and absolutely enormous. Temples to visit include Angkor Wat, Bayon Temple which has 216 gigantic stone face carvings, and Ta Prohm. I spent three days here and that simply wasn’t enough. A one-day pass is $37 USD, while a 1-week pass is $72 USD. If you’re here for multiple days, be sure to hire a driver and see some of the more out of the way ruins away from the main temple complex (and the crowds).

2. Explore Bangkok

Bangkok is the hub of travel activity in Southeast Asia. You can get anywhere you want from here. Though I hated it at first, the more I’ve spent time here the more I love it. Bangkok is like an onion whose many layers need to be peeled back. Some things not to miss include the spectacular Bangkok Grand Palace, Wat Pho, Chatuchak Market and Asiatique, and a canal trip on the Chao Phraya River. This is a city for foodies and wild nightlife.

3. Relax on some tropical islands

No visit to Southeast Asia would be complete without a visit to at least one of the thousands of tropical islands in the region. My top five include the Perhentian Islands (Malaysia), Rabbit Island (Cambodia), Ko Lanta (Thailand), and Boracay (Philippines). Lombok Island (Indonesia) has a chill vibe with unspoiled, perfect “desert island” beaches. There’s so many islands to visit. Be sure to add at least one to your trip. The country guides will have more information for you.

4. See Ha Long Bay

Sailing trips to this island-filled bay with stunning emerald waters, limestone formations, and marine life give you an appreciation for the natural beauty in Vietnam. Tours from Hanoi start at around $110 USD for two-day trips and increase from there. I love the colorful grottoes, hanging stalactites, and stalagmites of Surprise Cave (Sung Sot), Fairy Cave (Tien Ong), and Heaven Palace (Thien Cung). Make sure you go with a reputable company though as some of the cheaper boats are less than ideal. If you’d rather just visit for one day, day trips from Hanoi cost $55 USD.

5. Wander Kuala Lumpur

Other things to see and do in southeast asia, 1. go jungle trekking.

This region of the world is covered in amazing jungles with diverse wildlife, plentiful camping opportunities, and cool waterfalls. The best jungle treks are found in northern Thailand, Western Laos, and Malaysian Borneo (the latter are also the hardest and most intense). Some of my favorites include Danum Valley (Borneo) for its incredible wildlife; Ratanakiri (Cambodia) for its pristine wilderness and thousand-year-old trees; and Pu Luong Nature Reserve (Vietnam). Costs vary but jungle trekking generally costs $30-50 USD per day.

2. Attend the Full Moon Party

The biggest one-night party in the world welcomes up to 30,000 people with a party that stretches until dawn. Cover yourself in glow paint, grab a bucket of booze, and dance the night away with new friends on the island of Ko Phangan in Thailand. As the name would suggest, the party is on the night of the full moon. If you miss it, there’s always the half-moon party, quarter-moon party, and black-moon party. Really, every night is a party on Ko Phangan . Just avoid the flaming jump rope that occurs — I’ve seen people get burned badly!

3. Learn to dive

There are many great dive sites around the region for those interested in underwater exploration. You can learn to dive here at a fraction of what it would cost back home too. Some of the best places are Ko Tao (Thailand), Sipadan (Malaysia), as well as Gili Islands (Indonesia) and Coron, Palawan (The Philippines). A typical diving course is completed in three days. A PADI course typically runs $275 USD in Thailand, including three nights’ accommodation, though at smaller schools you can often negotiate down to $250 USD. Day trips for certified divers start at $165 USD. For information on Ko Tao, check out this blog post .

4. Eat street food in Singapore

Singapore is a foodie’s heaven. Try the hawker stalls of Singapore as well as Little India and Chinatown for some of the best and cheapest food in Asia. If you’re looking for a nice place to sit down and eat, eat at Singapore’s famed restaurants during lunch when restaurants offer discounts, making them a great deal. You’ll also find the most affordable Michelin-starred restaurants here (Tian Tian Hainanese Chicken Rice and Hawker Chan), offering world-class meals for just a couple of bucks!

5. Overload on temples

You can’t turn a corner without seeing a Buddhist temple in this part of the world. You’ll get temple overload at some point but visit as many as you can as each is unique to the country and region of the temple. There are so many places with high concentrations of ornate and beautiful temples. Check out Chiang Mai’s Wat Doi Suthep Temple and hike up the 300 steps to the golden Chedi that’s 600 years old!; Bagan’s Shwesandaw Pagoda from the 11th century with its stunning golden dome; Angkor Wat’s Ta Prohm is covered in iconic vines and enveloped in ancient jungle roots; Hue’s colorful Thien Mu Pagoda is perched atop a lush green embankment; Hoi An’s Quan Cong Temple with incredible Chinese architecture with hand-carved beauty and skill, and Luang Prabang’s Vat Xieng Thong with its golden, canopied roof. Most are free to enter, however, dress codes are enforced (you need to have your shoulders and legs covered).

6. Dive Sipadan

Located off Malaysian Borneo, Sipadan is one of the best dive sites in the world. If you have your dive certificate, make sure you venture out here. I absolutely love this area because it’s teeming with live turtles, diverse cave systems, sharks, dolphins, colorful coral, bright fish, and everything in between. Not a lot of people make it to this part of Malaysia, but it’s worth it to go the extra mile and make your way off the tourist trail a bit. Don’t miss Barracuda Point and The Drop-Off. Keep in mind that only 176 permits to dive at the island are issued each day, costing 140 MYR per person. The resorts on the neighboring islands each get a specific number of permits per day and require divers to stay with them for a few days. So you’ll need to stay at those resorts and dive into the surrounding areas before they can get you a Sipadan permit.

7. Fall in love with Bali

Bali is the most popular destination in Indonesia, and its famous Kuta beach is known for its wild parties and surfing ( though I think it’s overrated ). However, there is much more to Bali than just wild nights and sun-soaked days. If you’re a thrill seeker, hike up to the top of Mount Batur, an active volcano, for a breathtaking sunrise. Paragliding and white water rafting are also super popular here, as is surfing (it’s an affordable place to learn if you’ve never done it). There are also lots of hot springs to enjoy, the Ubud Monkey Forest (a popular temple and nature reserve home to hundreds of monkeys), and numerous places to scuba dive, including the Liberty wreck and Manta Point.

8. Take in Ho Chi Minh City

Frantic, chaotic, and crazy, Ho Chi Minh City in Vietnam is the embodiment of the controlled chaos that rules Southeast Asia. You can’t quite figure out how this teeming mass of people and cars work together, but it does. Highlights here include touring the tunnels used by the Viet Cong in the 1960s, taking in the view from the Saigon Skydeck, eating your way through the street food scene, and seeing the city’s numerous temples.

9. Admire the sunrise over an Indonesian Volcano

One of the most popular tourist attractions on Java is Mount Bromo and its National Park. Don’t miss out on getting a photo of the smoldering Bromo volcano as it lies surrounded by the almost lunar landscape of the Sea of Sand. Get up early to catch one of the most memorable sunrises of your life. If you’re there in mid-August, you’ll be just in time to see Upacara Kasada, the traditional Hindu ritual of the Tenggerese, a Javanese tribe of the region.

10. Hike in Khao Sok National Park

Located in southern Thailand, Khao Sok National Park is constantly rated as one of the best parks in Thailand, with incredible trekking, camping, limestone karsts, cooling rivers, and a glistening lake. Visit for semi-challenging hikes, tons of wildlife, walking paths, and breathtaking sunsets. Park entrance costs around $6 USD while full-day guided tours are $95 USD. I highly recommend spending at least one night here to get the full experience.

11. Visit Kampot

Most people come to Kampot to enjoy the scenic riverside views, as well as the rolling hills that surround the city. Since you can explore easily enough on foot or by bicycle, Kampot is a great place to slow down and relax. There’s not much to do here but have lazy days by the river, chill, and eat (don’t miss the famous Rusty Keyhole for BBQ!). Don’t miss the pepper farms, as this region of Cambodia is filled with pepper farms where you can learn about the history of the spice, see how it is grown, and pick up what is considered some of the finest pepper in the world. Tours are usually free.

12. Take a cooking class

Food from this region is as varied as the countries themselves and learning how to cook a few dishes is a great souvenir of your time here. Even if you don’t plan to cook back home, you can still spend a day making and eating scrumptious food. Most big cities have cooking schools offering classes of 2-6 hours, often including a trip to the local market beforehand to select ingredients. I absolutely love cooking classes and urge you to take one at least once. They are a fun experience!

13. Take a food tour

If you’d rather eat instead of cook, taking a food tour is a fun way to gain insight into the region’s amazing noodle dishes, fresh seafood, sweets, and street food while learning about the history and culture behind the cuisine. Most major cities in Southeast Asia offer food tours. These include tours around local markets, street stalls, and tours to locally-owned restaurants and cafes where you can sample the local cuisine and connect with a local chef. If you’re nervous about street food, this is a great way to try some in a controlled setting. Tours usually last 2-4 hours and include multiple stops and several different dishes, with prices costing $40-75 USD per person.

14. Visit an elephant sanctuary

While riding an elephant is on many a Southeast Asia bucket list, once you know how much the animals suffer from abuse in order to provide these rides, you might think twice about taking one. An even better way to interact with elephants is to volunteer at or visit the Elephant Nature Park near Chiang Mai in Thailand. It’s a phenomenal place, allowing you to give back to the community and these magnificent animals all at once. After coming here, you will understand why you should NEVER ride an elephant. A one-day visit costs $70 USD.

15. See The Killing Fields

A visit to Choeung Ek, also known as the Killing Fields, may not be the most cheerful way to spend an afternoon, but it makes for an educational and memorable experience. Over 3 million people were killed by Pol Pot’s regime, including countless women and children. I recommend getting a guide so you can really understand what you’re seeing as you explore the area. Also, this horrific tragedy took place less than 50 years ago and is still very present so please be respectful as a visitor.  The site is located 10 miles from Phnom Penh. Half-day guided tours start at $66 USD.

16. Swim with Whale Sharks in Donsol

If you’re in the Philippines, check out the Donsol Whale Shark Interactive Ecosystem Project because there are not many experiences quite as adrenaline-inducing as swimming with a whale shark for the first time in crystal waters. These incredible creatures are around 45 feet (14 meters) long and yet incredibly gentle and curious. I loved floating at the surface being able to look below and see them slowly swim below me. Get some people together and rent a boat for a half day, explore the area, and go ‘shark-seeing’ for a good cause.  

  For a ton more information, visit my country specific travel guides for more detailed information on each place:

• Cambodia Travel Guide
• Indonesia Travel Guide
• Laos Travel Guide
• Malaysia Travel Guide
• Singapore Travel Guide
• Thailand Travel Guide
• Vietnam Travel Guide

Southeast Asia Travel Costs

Accommodation – Accommodation in Southeast Asia is really cheap, making it the perfect place to travel if you are on a budget. Hostels are plentiful, as are budget guesthouses and hotels. It’s also very cheap to splash out here if you’re in need of some luxury.

Generally, you can find hostel dorm rooms for as little as $6-8 USD in Cambodia and $3-6 USD in Laos. In Thailand, 4-6-bed dorm rooms are $8-12 USD, while in Vietnam you can expect to pay $5-7 USD. In Indonesia, prices range between $5-10 USD for a 4-6-bed dorm room. Expect to pay at least $15-20 per night for a private room with air conditioning. Free Wi-Fi is standard in most hostels, free breakfast is common, and many hostels even have pools. In more remote areas, hot water isn’t common so make sure to check in advance if that’s an issue for you.

Simple guesthouses or bungalows throughout Southeast Asia generally cost $12-20 USD per night for a basic room with a fan (sometimes air conditioning) and hot water. If you want something nicer that includes a more comfortable bed and a TV, expect to pay $25-35 USD per night.

For backpackers, budgeting around $10 USD per night for accommodation is pretty safe no matter where you go in Southeast Asia. If you’re looking for a higher-end hotel room with more amenities, expect to pay $20-50 USD per night for a room. Anything over that is luxury territory.

Camping is available in certain areas, usually for just a few dollars per night for a basic tent plot without electricity. However, this is about the same price as hostels so it’s not really any cheaper.

Food – While each country’s cuisine varies, overall, Southeast Asian food is aromatic, spicy, and flavorful. Typical spices and herbs include garlic, basil, galangal, cilantro, lemongrass, kaffir lime leaves, chilies, and fish sauce. No matter what region you’re in, you can expect to find a variety of curries, salads, soups, noodle dishes, and stir-fries.

Rice and noodles are central to Southeast Asian food, while the meat is usually pork, chicken, fish, or seafood, which is everywhere on the islands and coastal areas.

While traveling Southeast Asia, street food is the most popular food and cheapest option. On average, these meals cost $1-5 USD. You find these stalls throughout this region lining most streets and every market. They are ubiquitous in the region. In Singapore, street food (from “hawker stands” as they’re known there) costs around $4-5 USD for a meal. Even if you go into small local restaurants, the price doesn’t increase that much.

Food that costs $2 USD at a street stall generally only costs $4-6 USD at a local restaurant. If you went into a restaurant in Thailand, you’d pay around $3-4 USD for a pad Thai that would have cost $1-2 USD on the street.

In Cambodia, street food is around $1-2 USD, while restaurants charge around $3-5 USD for a dish like amok (a coconut milk dish) or luc lac (pepper gravy beef).

Western meals, including burgers, pizza, and sandwiches usually cost around $7-10 USD. But these generally aren’t that great. If you want something that actually tastes as it does back home, expect to spend at least $10-12 USD for your meal.

While cheap, alcohol can take a bite out of your budget if you’re not careful. Those $1-2 USD beers add up! Wine and cocktails are more expensive, generally around $3-5 USD. A cappuccino is typically around $2 USD. Bottled water is plentiful and costs less than $1 USD.

There’s a growing cutting-edge foodie scene in the region and, if you want to splurge, you can do so on some really good meals. Big cities like Bangkok, KL, and Singapore, all have world-class Michelin star restaurants as well some incredible fusion restaurants.

Since dining out is so cheap in the region, there’s no point in grocery shopping unless you’re looking to get some pre-made salads or fruits. Additionally, a general lack of kitchens in most hostels and hotels makes it difficult to cook even if you wanted to. If you do purchase your own groceries, expect to spend around $25 USD per week for basic groceries like local produce, rice, and some meat (while avoiding expensive imported items like cheese and wine).

Backpacking Southeast Asia Suggested Budgets

On a backpacker budget of $45 USD per day, you can stay in hostel dorms, eat out at local markets and street stalls, limit your drinking, do mostly free activities, minimize paid activities, and use public transportation to get around. You’re not going to be able to splash out but you’ll be able to live the typical backpacker experience without really stressing over expenses.

On a mid-range budget of $85 USD per day, you can stay in budget hotels or private hostel rooms, eat more restaurant meals, do more paid activities like cooking classes, take some taxis, and enjoy a few more drinks. You won’t live large, but you won’t be missing out either.

On an upscale budget of $150 USD or more per day, you can stay in nicer hotels with more amenities, eat out as much as you want, do more paid tours including private tours, hire a driver, fly between destinations, and basically do whatever you want. The sky is the limit with this kind of budget!

You can use the chart below to get some idea of how much you need to budget daily, depending on your travel style. Keep in mind these are daily averages — some days you’ll spend more, some days you’ll spend less (you might spend less every day). We just want to give you a general idea of how to make your budget. Prices are in USD.

Southeast Asia Travel Guide: Money-Saving Tips

Backpacking Southeast Asia is cheap. There’s little opportunity to spend a lot of money since everything is already so inexpensive unless you intentionally are trying to splash out on fancy meals and high end hotels. The two reasons why most travelers end up overspending is that they eat a lot of Western food and drink way too much. If you want to save money while traveling in this part of the world, cut down on your drinking and skip the Western food. While country guides have more specific ways to save money, here are some general ways to save money in Southeast Asia:

• Stay with a local – Accommodation is cheap in Southeast Asia but nothing’s cheaper than free! Use Couchsurfing to stay with locals who have extra beds and couches for free. You’ll also meet great people who can show you around and share their insider tips and advice.
• Book tours and day trips as a group – You have more negotiation power when you’re with a group of people buying multiple spots or tickets. Traveling alone? Meet a friend at a hostel and see if they want to join the same tour as you. I’ve met some great friends over the years doing this and highly recommend it.
• Don’t book in advance – Don’t book any tours or activities before you get to your destination. They’ll be much cheaper when you arrive as you’ll be able to negotiate a lower price as you’ll find companies are often offering the same tour and competing. Anything you see online is more expensive than you need to pay!
• Eat on the street – The street food is the best food. The food is the best and cheapest you’ll find. It’s a great way to try new foods and get to chat with locals as well. This is where locals eat so if you want insight into local culture, good food, and savings, eat the street food. Look for where locals are eating to ensure that it’s safe to eat.
• Bargain hard – Nothing is ever at face value here. Bargain with sellers as most of the time, the price they’ve quoted is way higher. There’s a haggling culture in the region so play the game and save some money. It’s important not to convert it in your head to your own currency because it will usually sound cheap even though you might still be getting ripped off. You’ll never get the local price, but you might come close!
• Minimize your drinking – Drinks really add up. Even with cheap drinks, if you’re not aware, you’ll end up spending more money on beer than on food and accommodation. If you want to drink, head to the supermarkets, drink at the hostel, or check out the local happy hours.
• Pack a water bottle – A water bottle with a purifier comes particularly in handy in Southeast Asia since you can’t usually drink the tap water. Save money and thousands of plastic bottles and get a bottle that can purify the tap water for you. My preferred bottle is LifeStraw as it has a built-in filter that ensures your water is always safe and clean.

Where to Stay in Southeast Asia

I’ve been traveling Southeast Asia since 2005 and have stayed in hundreds of places. Here are some of my favorite places to stay in Southeast Asia:

• The Siem Reap Pub Hostel (Siem Reap)
• Onederz Siem Reap (Siem Reap)
• Mad Monkey Siem Reap (Siem Reap)
• Onederz Sihanoukville (Sihanoukville)
• Monkey Republic (Sihanoukville)
• Onederz Phnom Penh (Phnom Penh)
• Sla Boutique Hostel (Phnom Penh)
• The Magic Sponge (Kampot)
• Indigo House Hotel (Luang Prabang)
• Sa Sa Lao (Luang Prabang)
• Sanga Hostel (Pakse)
• Nana Backpackers Hostel (Vang Vieng)
• Dream Home Hostel (Vientiane)
• Traveller Bunker Hostel (Cameron Highlands)
• De’Native Guest House (Cameron Highlands)
• Kitez Hotel & Bunks (Kuala Lumpur)
• Sunshine Bedz Kuala Lumpur (Kuala Lumpur)
• Ryokan Muntri Boutique Hostel (Penang)
• Mad Monkey Hostel (Bangkok)
• D&D Inn (Bangkok)
• Kodchasri B&B (Chiang Mai)
• The Royal Guest House (Chiang Mai)
• Green Leaf (Khao Yai)
• Lonely Beach Resort (Ko Chang)
• The Sanctuary (Koh Phangan)
• Na-Tub Hostel (Koh Phangan)
• Pineapple Guesthouse (Phuket)
• Dream Lodge
• The Pod Capsule Hostel
• The Scarlet
• Under the Coconut Tree Guesthouse (Hoi An)
• Fuse Beachside (Hoi An)
• Pretty Backpackers House (Da Lat)
• Hanoi Old Quarter Hostel (Hanoi)
• Luxury Backpackers Hostel (Hanoi)
• The Hideout (HCMC)
• City Backpackers Hostel (HCMC)

How to Get Around Southeast Asia

Public transportation – Public transportation costs from a few pennies to a few dollars, with Singapore and Malaysia offering the most comprehensive public transportation systems. In Thailand, local buses cost around $0.25 USD per trip, while the Metro and Skytrain in Bangkok cost $0.50-1.50 USD per trip. In Cambodia, a bus ticket in Phnom Penh costs just $0.40 USD per ride.

Major cities generally have subway systems but mostly you’ll be using the bus or shared taxis to get around.

Tuk-tuks (small, shared taxis with no meter) are available around much of the region and require a bit of haggling. They usually have 3-6 seats and generally cost more than public transportation but are faster. To find a reputable driver, ask your accommodation as they usually know someone. Tuk-tuk drivers can often be hired for the day for a discounted rate (this is what a lot of people do to visit the Killing Fields and Angkor Wat in Cambodia, for example).

Taxi – Taxis in the region are generally safe, though it’s not uncommon to have to haggle. Scams to rip you off aren’t uncommon either, so always ask your accommodation to call you a taxi whenever possible so you know you’ll get a reputable company.

In Singapore and Indonesia, taxi drivers do put on the meter. In Bangkok, you can get taxi drivers to use the meter, but if you’re hailing one in a tourist area, he might try to avoid using it. In Vietnam, the meter is sometimes rigged, but if you can get a reputable company like Mai Linh, you won’t have any problems.

Ridesharing – Grab, DiDi, and Gojek are Asia’s answer to Uber. They work the same way: you hire a driver to take you somewhere via the app, and you can pay via the app or in cash. It’s often more affordable than a regular taxi, though drivers are a bit unreliable as the practice is not as widespread here as in other parts of the world.

Just keep in mind that some drivers are driving motorcycles so be sure to double check what kind of vehicle is picking you up if you don’t want to ride on the back of one.

Bus – The easiest and cheapest way to travel around Southeast Asia is by bus. The backpacker trail is so worn that there is a very well-established tourist bus system to take you anywhere. Buses costs vary between $5-25 USD for a 5-6 hour journey. Overnight buses cost $20-35 USD depending on distance (they often have reclining seats so you can get a decent sleep).

You can check ticket prices and book tickets for all the different bus companies across Southeast Asia at 12go.asia.

Train – Train service is limited in the region and not something to really consider when you travel Southeast Asia. You can take a train up and down the coast of Vietnam and there’s some limited scenic rails in Malaysia. Thailand is the only country that has an extensive train system that lets you travel all its regions (and onward to Singapore) from Bangkok.

The train prices in Southeast Asia are determined by distance and class. Night trains with sleeper cars are more expensive than day trains. The night train to Chiang Mai from Bangkok takes twelve hours and costs $27 USD for a sleeper seat. However, that same train during the day is $8-9 USD. In Vietnam, trains run up and down the coast and cost $60 USD from Hanoi to Ho Chi Minh City.

Flying – The cost of flying around Southeast Asia has come down in recent years due to the rise of low-cost airlines. Scoot, Jetstar, and AirAsia are the biggest. Nok Air has a lot of flights within Thailand , and VietJet Air is popular in Vietnam . Lion Air serves Indonesia , but its safety record is really spotty and I personally would not fly them. If you book early, you can save on fares, as most of the airlines offer deeply discounted fare sales all the time, especially Air Asia.

Just make sure that the airport these budget airlines fly into isn’t too far out of your way (transportation from the secondary airport sometimes negates the savings from using the budget airline itself).

Also, keep in mind that you usually must pay to check your baggage on these cheap flights. If you wait to pay for your luggage at the gate, you end up paying almost double. Travel carry-on only to avoid this added cost.

All in all, I only recommend flying if you are pressed for time or find a super cheap deal. Otherwise, stick to the bus.

Hitchhiking – Hitchhiking in Southeast Asia is safe, though popularity of the practice varies by country (it’s more common in Malaysia, but not so much in Cambodia). Dress respectably, smile while making eye contact with drivers, and use a cardboard sign to tell people where you’re headed. Be prepared for long bouts of no pick-ups, especially if you’re traveling through more rural areas. Pack plenty of water and food. Also, make sure the people picking you up understand you’re hitchhiking and not flagging down a taxi.

Hitchwiki is a great resource for hitchhiking tips.

Car rental I don’t recommend renting a car in Southeast Asia. Rental cars are expensive ($40 USD per day or more) and the roads here are in poor shape. I would never drive around the region.

When to Go to Southeast Asia

The best time of year to visit Southeast Asia is from November to April when temperatures are milder (though temperatures vary drastically by region). It may be mild in Thailand in January and hot in Malaysia but in Northern Vietnam, it’s cold! Also, one of the biggest mistakes people make is not taking into account the rainy season. In some cases it won’t make a big difference but definitely does if it’s a beach trip.

In Indonesia, the best time to visit is April to October. Temperatures average 24-30ºC (75-86ºF), and the weather is mostly dry. July to September is the peak holiday season and when you can expect to pay the highest rates. December to February is the rainy season.

In Malaysia, January-March and June-September are the best time to visit, as these months have the lowest average rainfall. It is still hot and humid during this time though. The rainy season is from October to December. Singapore’s climate/weather is much like Malaysia’s.

In Vietnam, the weather varies by region. In Central Vietnam (including Hoi An and Nha Trang), January-May is the best time to visit because it is dry and the temperatures average 21-30°C (70-86°F). June to August is also a decent time to visit. If you want to stick around Hanoi, March to April is great, or October to December (for mildest temperatures). The rainy season is May-September.

Thailand has three seasons: hot, hotter, and hottest. It’s always warm, though the weather is nicest between November and February (which is also peak tourist season). Bangkok is “coolest” and driest during this time (but still averaging a hot 29°C/85°F each day). April and May are the hottest months, and the rainy season is June-October. The gulf islands get pretty rainy from August to December.

The dry season in Cambodia is from November-May and the cool season is from November-February (and when most people visit). Temperatures during this time are still high, but humidity is lower. Laos has the same cool season as Cambodia, with the dry season running from November-April.

In the Philippines, it’s mostly warm all year long with an average daily high of 26°C (80°F). There are rainy and dry seasons and temperatures are hot and dry from March-May and cooler December-February. The best time to visit is between January-April when it’s less humid. Monsoon Season is July-October.

For more information on when to go to places, visit the specific country guides.

How to Stay Safe in Southeast Asia

Southeast Asia is an incredibly safe place to backpack and travel — even if you’re traveling solo and even as a solo female traveler. Violent crime is super, duper rare. Petty theft (including bag snatching) is the most common type of crime in Southeast Asia, especially around popular tourist landmarks. Always keep your valuables out of reach on public transportation and in crowds just to be safe. Never leave your valuables unattended while at the beach and always keep a hold of your purse/bag when out and about as bag snatching is common.

That said, outside touristy areas, theft is really rare. Heck, it’s pretty rare in touristy areas too! But a little vigilance goes a long way and it’s better to be safe than sorry.

There are some common scams around that you’ll want to be aware of, such as the motorbike scam. This involves a bike rental company trying to charge you for damage to the bike that you didn’t cause. To avoid this, always take photos of your rental before you leave so you can protect yourself from baseless claims.

Another common scam involves a tuk-tuk driver taking you somewhere you didn’t want to go in hopes you’ll buy something from the shop/restaurant he dropped you off at (he gets a commission if you do). Simply refuse to buy anything and demand to go back to where you were — or find another driver.

For other common travel scams, read this post about major travel scams to avoid in the region .

Solo female travelers should feel safe here, though it’s generally a good idea to avoid walking around alone at night just to be safe. It’s always a good idea to carry some extra cash to get home in a taxi if you need to. Additionally, always keep an eye on your drink at the bar and never accept drinks from strangers. Be sensible when it comes to dating while traveling and meeting people in public places. As I’m not a woman, please check out some solo female travel blogs to get the best insight.

Overall, the people who get in trouble here tend to be involved with drugs or sex tourism. Avoid those two things and you should be fine. Keep in mind that it’s not always obvious how old someone is or if they’re a sex worker so be mindful when getting involved in romantic interactions. Also, penalties for drug use in this region are stiff so even if you’re here to party, skip the drugs.

Always trust your gut instinct. Make copies of your personal documents, including your passport and ID. Forward your itinerary along to loved ones so they’ll know where you are.

For more in-depth coverage of how to stay safe in Southeast Asia, check out this post that answers some frequently asked questions and concerns.

The most important piece of advice I can offer is to purchase good travel insurance. Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. You can use the widget below to find the policy right for you:

Southeast Asia Travel Guide: The Best Booking Resources

These are my favorite companies to use when I travel. They consistently have the best deals, offer world-class customer service and great value, and overall, are better than their competitors. They are the companies I use the most and are always the starting point in my search for travel deals.

• Skyscanner – Skyscanner is my favorite flight search engine. They search small websites and budget airlines that larger search sites tend to miss. They are hands down the number one place to start.
• Hostelworld – This is the best hostel accommodation site out there with the largest inventory, best search interface, and widest availability.
• Agoda – Other than Hostelworld, Agoda is the best hotel accommodation site for Asia.
• Booking.com – The best all around booking site that constantly provides the cheapest and lowest rates. They have the widest selection of budget accommodation. In all my tests, they’ve always had the cheapest rates out of all the booking websites.
• Get Your Guide – Get Your Guide is a huge online marketplace for tours and excursions. They have tons of tour options available in cities all around the world, including everything from cooking classes, walking tours, street art lessons, and more!
• SafetyWing – Safety Wing offers convenient and affordable plans tailored to digital nomads and long-term travelers. They have cheap monthly plans, great customer service, and an easy-to-use claims process that makes it perfect for those on the road.
• LifeStraw – My go-to company for reusable water bottles with built-in filters so you can ensure your drinking water is always clean and safe.
• Unbound Merino – They make lightweight, durable, easy-to-clean travel clothing.

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Southeast Asia Travel Guide: Related Articles

Want more info? Check out all the articles I’ve written on Southeast Asia travel and continue planning your trip:

The 4 Best Hostels in Singapore

The 6 Best Hostels in Bali

The 22 Best Things to Do in Bangkok

5 LGBTQ Travel Tips for Asia

Is Southeast Asia Safe for Travelers?

Backpacking Cambodia: 3 Suggested Itineraries for Your Trip

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• Where To Stay
• Transportation
• Booking Resources
• Related Blogs