state farm travel insurance

Does State Farm Offer Travel Insurance? What You Need to Know

Are you itching to embark on your next great adventure and wondering if State Farm has your back with travel insurance? Well, wonder no more! In this article, we’ve got all the essential information you need to know about State Farm travel insurance offerings.

We’ve covered you, from coverage options and rates to the claim process and customer support. Travel insurance is crucial to trip planning , providing financial protection and peace of mind. And let’s face it, the world of travel is constantly changing. But fear not; we’ll delve into how State Farm adapts to current travel trends, including the digitalization of policy management and claims.

So, if you’re curious about State Farm’s travel insurance policies and want to make an informed decision before your next journey, keep reading! We’ll help you navigate the ins and outs of State Farm’s travel insurance offerings.

Key Takeaways

• State Farm offers a range of travel insurance products, including coverage for trip cancellation, medical expenses, emergency assistance, baggage loss, adventure sports, and COVID-19.
• State Farm’s travel insurance policies are designed to adapt to current travel trends, focusing on flexibility and comprehensive coverage options.
• It is essential to analyze the coverage options and limitations of State Farm’s travel insurance to ensure it meets your specific needs.
• State Farm provides customer support and efficient claims processing for their travel insurance policies.

State Farm Travel Insurance Coverage 

State Farm’s travel insurance policies are tailored to offer comprehensive protection during your travels, addressing various potential risks and unexpected events. Its notable offerings include robust medical coverage, an essential safeguard for any traveler.

The medical coverage in State Farm’s travel insurance plans provides financial security for medical expenses that may arise while traveling. This includes costs associated with emergency medical treatments, hospital stays, and even medical evacuation, ensuring that your health and safety are prioritized even when you’re away from home.

It’s essential to explore State Farm’s travel insurance’s specific coverage details and limitations. Each plan may have its unique set of inclusions and exclusions, and understanding these can help you choose a policy that best fits your travel needs. Whether you’re traveling for leisure, business, or adventure, State Farm’s travel insurance plans are designed to give you peace of mind and protect you from unforeseen travel-related contingencies.

Coverage Options and Limitations

When evaluating State Farm’s travel insurance, it’s crucial to understand both the coverage options provided and the limitations or exclusions that might affect your policy.

Coverage Options

• Comprehensive Protection : State Farm typically offers a range of coverages, including trip cancellation, medical emergencies, and baggage loss. This comprehensive approach ensures various aspects of your trip are protected.
• Specialized Coverage : For travelers with specific needs, such as adventure sports enthusiasts, there may be options to add coverage for these activities, although it’s essential to confirm this directly with State Farm.

Coverage Exclusions Explained

• Pre-existing Medical Conditions : Like many insurers, State Farm may exclude coverage for pre-existing medical conditions. Understanding the specific definition and scope of this exclusion in your policy is essential.
• High-risk Activities : Activities deemed high-risk, such as extreme sports, may not be covered. It’s essential to check the policy details if you plan to engage in such activities.
• Travel Advisories : Destinations with current travel advisories or warnings may be excluded from coverage. This is a standard practice in the industry to limit exposure to high-risk areas.

Policy Limitations and Restrictions

• Coverage Caps : There might be maximum limits on the coverage amount for certain aspects like medical expenses or baggage loss.
• Claim Filing Timeframes : Be aware of specific timeframes within which claims must be filed to be considered valid.
• Documentation Requirements : Ensure you understand what documentation is required to support a claim, such as medical records or police reports in case of theft.

Comparison with Other Providers

• Competitive Rates : It’s advisable to compare State Farm’s rates with other providers to ensure you get a competitive price for the coverage you need.
• Policy Customization : Look into how customizable the policies fit your travel needs and compare these options with what other insurers offer.

Final Considerations

Before purchasing a policy from State Farm or any other provider, review the policy documentation thoroughly. It’s also beneficial to consult directly with a State Farm representative to clarify doubts and ensure the policy matches your travel needs. Remember, the best policy provides coverage tailored to your travel plans and risk factors .

Comparing Rates With Industry Standards

When assessing the competitiveness of State Farm’s travel insurance rates compared to industry standards, several factors should be taken into account:

• Customer Reviews : Understanding customer experiences with State Farm’s travel insurance is crucial. Reviews can provide insights into the satisfaction levels of policyholders, covering aspects like claims processing, customer service, and overall value for money. These reviews can shed light on how State Farm stands about its competitors.
• Ease of Online Purchase : Another critical consideration is the simplicity and convenience of online purchasing State Farm travel insurance. A user-friendly, efficient online purchase process can significantly enhance their travel insurance offerings’ overall value and appeal.
• Market Comparison : Comparing State Farm’s rates with other insurance providers is vital. This comparison should look at the price and the extent of coverage, deductibles, exclusions, and any additional benefits. Evaluating how State Farm’s offerings stack up against other insurers regarding cost and coverage depth will help you determine if they offer competitive rates and comprehensive coverage.
• Coverage Options and Limitations : Understanding the specific coverage options and limitations of State Farm’s travel insurance plans as compared to industry standards is essential. This helps assess whether their policies provide broader or more limited protection in critical areas like medical coverage, trip cancellation, baggage loss, etc.

By considering these factors, you can make an informed decision about the value and suitability of State Farm’s travel insurance compared to industry benchmarks, ensuring that you choose a policy that offers the best cost, coverage, and convenience for your travel needs.

Filing a Claim With State Farm

Filing a claim with State Farm for your travel insurance involves a few key steps to ensure a smooth and efficient process:

• Gather Necessary Information : Before initiating the claim, collect all relevant documentation, such as medical reports, receipts, police reports (if applicable), and any other evidence that supports your claim.
• Complete the Claim Form : Obtain the claim form from State Farm. This can typically be done through their website. Fill out the form with accurate and detailed information about the incident and the losses you incurred.
• Submit Your Claim : You have two options for submitting your claim to State Farm:
• Online Submission : This is often the quickest and most convenient method. Visit State Farm’s website, find the travel insurance claims section, and follow the instructions for online claim filing.
• Contact Customer Service : If you prefer personal assistance or have specific questions, you can file your claim by contacting State Farm’s customer service team. They can guide you through the process and provide any additional information.
• Claims Review Process : Once your claim is submitted, State Farm will review it. This process includes verifying the details of your claim and assessing the documentation provided.
• Additional Documentation : State Farm may request additional information or clarification to support your claim. Promptly providing any additional documents can help expedite the claims process.
• Claim Resolution : State Farm will decide on your claim after a thorough review. They strive to process claims efficiently to provide timely assistance to their policyholders.
• Customer Service Support : Throughout the claims process, if you have any questions or need guidance, State Farm’s customer service can assist you. They can offer support and answer any queries regarding your claim.

Travel expense coverage typically refers to insurance or policies that provide financial protection for various travel-related costs. This coverage may include collision coverage for rental vehicles, which is important in case of accidents or damage to the rented car. Some credit cards also offer travel expense coverage as a benefit, providing protection for certain travel expenses when you use the card for bookings.

In addition to collision coverage, travel expense coverage can extend to other areas, such as life insurance, rideshare insurance, and even mobile apps that help you plan and track travel expenses. The type of coverage you need depends on your specific travel plans, your credit score, and your overall financial situation.

It’s essential to understand the different types of coverage available and choose the one that aligns with your needs and budget, ensuring a wide range of travel expenses are adequately protected in case of unexpected events.

Purchasing and Managing Travel Insurance

When purchasing and managing travel insurance with State Farm, you can expect an efficient and user-friendly experience. State Farm offers a claims process overview, allowing you to understand the steps in filing a claim and receiving reimbursement.

Additionally, State Farm provides policy customization options, allowing you to tailor your coverage to meet your specific needs. You can easily access and update your policy information online with convenient digital management tools.

Claims Process Overview

Once you have purchased and managed your travel insurance policy with State Farm, it’s essential to understand the claims process. Here is an overview of the claims process for travel insurance with State Farm:

Filing a Claim:

• Contact State Farm’s claims department to report the incident or loss covered by your policy as soon as possible.
• Provide all necessary documentation, such as receipts, medical reports, or police reports, to support your claim.
• Fill out the claim form accurately and thoroughly, including all relevant details.

Processing the Claim:

• State Farm will review your claim and may request additional information if needed.
• Once all necessary information is received, the claim will be evaluated based on your policy’s terms and conditions.
• State Farm will communicate the claim decision to you and provide instructions for any further steps.

Understanding the claims process is essential to ensure a smooth experience when filing a claim.

Now, let’s explore the policy customization options offered by State Farm.

Policy Customization Options

Customize your State Farm travel insurance policy to meet your needs and preferences. State Farm offers a range of policy customization options to ensure you have the coverage you require for your travel plans.

When purchasing travel insurance from State Farm, you can select the coverage limits and deductibles that align with your budget and risk tolerance. Additionally, you can tailor your policy to include specific coverage for trip cancellation, medical expenses, baggage loss, and more.

It’s important to carefully review the insurance policy terms to understand what’s covered and any exclusions or limitations that may apply. State Farm’s website and customer service representatives can assist in customizing your travel insurance policy to suit your requirements.

Digital Management Tools

To easily manage and purchase your State Farm travel insurance policy, you can utilize their user-friendly digital tools that provide a seamless experience.

Here are some of the critical features of State Farm’s digital management tools for travel insurance:

• Digital platforms for insurance purchase: State Farm offers an online platform to purchase travel insurance policies quickly. This allows you to compare different coverage options, customize your policy, and select the plan that best suits your needs.
• State Farm insurance agents: If you prefer a more personalized approach, you can also connect with State Farm insurance agents through their digital platforms. These agents can assist you in understanding the different policy options and help you make an informed decision.
• Customer service standards: State Farm is known for its excellent customer service standards. Their digital tools provide easy access to customer support representatives who can answer any questions or concerns regarding your travel insurance policy.

With these digital management tools, State Farm ensures that purchasing and managing your travel insurance is convenient and hassle-free.

Suitability for Different Types of Travelers

State Farm’s travel insurance offers tailored coverage options to suit the needs of various types of travelers. Whether you’re a solo adventurer, a family planning a vacation, or a group traveling together, State Farm has options.

They understand that travelers have different priorities and risks, so they provide coverage addressing these concerns. For example, they offer group travel insurance options at State Farm, which can benefit organized trips or corporate travel.

State Farm’s travel insurance also covers global travel risks, including medical emergencies and trip cancellations. So, whether you’re traveling domestically or internationally, State Farm has you covered.

Now, let’s explore how State Farm ensures excellent customer service and support for their travel insurance policyholders.

Customer Service and Support

Regarding customer service and support for your travel insurance needs , State Farm has you covered with their attentive and reliable assistance. Here are some critical aspects of State Farm’s customer service and support:

• Policy Renewal and Cancellation Procedures State Farm provides clear guidelines and procedures for renewing or canceling your travel insurance policy. This ensures transparency and ease of managing your coverage.
• Fraud Prevention in Insurance State Farm has robust measures to prevent fraudulent activities in its travel insurance policies. They employ advanced technology and strict verification processes to protect policyholders from potential fraud.

State Farm’s commitment to excellent customer service extends to every aspect of its travel insurance offerings, including policy renewal and cancellation procedures and fraud prevention. With their dedicated support team, you can have peace of mind knowing that your travel insurance needs are in good hands.

Explaining Insurance Concepts

Understanding travel insurance, especially the variety of coverage options and how premiums are calculated, is crucial for choosing the right policy for your needs. State Farm, like other insurers, offers several key coverage options in its travel insurance policies:

• Trip Cancellation : This coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip due to covered reasons like illness, injury, or other specific unforeseen circumstances.
• Medical Coverage : This is vital for medical expenses incurred due to illnesses or injuries while traveling. It can include costs for doctor visits, hospital stays, and even medical evacuation.
• Emergency Assistance : This supports emergencies, such as 24-hour hotlines for medical advice, assistance in replacing lost passports, or help in emergency cash transfers.
• Baggage Loss : This compensates for the loss, damage, or theft of personal items during your trip.
• Adventure Sports Coverage : Some policies offer additional coverage for risks associated with adventure sports, which are often excluded from standard policies.

Understanding Policy Exclusions and Limitations:

• It’s important to carefully review what needs to be covered by your travel insurance policy. Standard exclusions include pre-existing medical conditions, specific high-risk activities, or losses due to negligence.

Calculating Premiums:

• Trip Cost : Higher trip costs generally lead to higher premiums, with more excellent potential financial loss.
• Trip Duration : Longer trips usually result in higher premiums.
• Age of Travelers : Premiums may increase with the age of the traveler, as older travelers are often perceived as higher risk.
• Destination : Destinations with higher medical costs or increased risks can affect premium costs.

By understanding these aspects, you can make an informed decision when selecting a travel insurance policy, ensuring that it aligns with your specific travel plans and provides the appropriate level of protection.

Incorporating Visuals and Customer Testimonials

To enhance the readability and engagement of the article, incorporate visuals, such as charts or infographics, and include customer testimonials to add credibility and real-life examples of State Farm’s travel insurance in action.

Visuals can simplify complex information and make it easier for readers to understand the coverage options and rates offered by State Farm. Infographics can compare different types of coverage, such as trip interruption coverage, emergency medical evacuation services, and baggage and personal item loss.

Customer testimonials can provide firsthand accounts of how State Farm’s travel insurance has helped individuals during their trips, adding a personal touch and increasing trust in the company’s offerings.

These visuals and testimonials will make the article more informative and engaging for readers.

Frequently Asked Questions

Is state farm’s travel insurance coverage available for international trips.

Yes, State Farm offers travel insurance coverage for international trips. Their policies provide financial protection and assistance in case of trip cancellation, medical emergencies, and other travel-related events.

Does State Farm Offer Coverage for Adventure Sports or Activities?

Yes, State Farm offers coverage for adventure sports and activities. They understand that travelers seek thrilling experiences and provide insurance to protect them from mishaps during their adventurous endeavors.

What Are the Exclusions or Limitations in State Farm’s Travel Insurance Policies?

State Farm’s travel insurance policies may have exclusions or limitations. Reviewing the specific terms and conditions to understand what is covered and what is not is essential, ensuring you have the appropriate coverage for your travel needs.

What Is the Process for Renewing a State Farm Travel Insurance Policy?

Contact their customer support team or your insurance agent to renew your State Farm travel insurance policy. They will guide you through the process and provide all the necessary information and paperwork.

How Does State Farm Support and Assistance Travelers During Emergencies or Unexpected Situations?

State Farm offers support and assistance to travelers during emergencies or unexpected situations. They have a dedicated customer service team to help you navigate any challenges you may encounter while traveling.

In conclusion, State Farm offers comprehensive travel insurance coverage that caters to the diverse needs of modern travelers. State Farm has you covered whether you’re an adventure enthusiast or a remote worker.

With their increased digitalization of policy management and claims, they adapt to the evolving travel industry. Their commitment to customer service and support ensures you’ll have peace of mind during your next big adventure.

So, before you embark on your journey, consider State Farm’s travel insurance to protect yourself and your trip.

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

on Chase's website

on American Express' website

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

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

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

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

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

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

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

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

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

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

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

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

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

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

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

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

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

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

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

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How to Buy the Best Travel Insurance

Travel insurance is one of the most important things you need when you travel — yet it’s often overlooked by travelers planning their trip.

You wouldn’t drive a car without car insurance or own a home without home insurance. Why would you risk traveling the world without travel insurance?

While it may seem like an unnecessary expense, travel insurance provides a vital safety net when you’re abroad.

Unexpected costs due to illness and injury, canceled flights, damaged electronics, lost luggage, the death of a family member back home — these are all covered by travel insurance.

In a nutshell, travel insurance is an all-purpose emergency coverage plan. It’s the single most important thing you should get for your trip and something I strongly, strongly advise travelers to never leave home without. I’ve seen it help so many people over the years – people who would have been out thousands of dollars otherwise.

Myself included.

I used it for a doctor in Argentina , when my camera broke in Italy , when my eardrum popped in Thailand , and when my luggage was stolen in South Africa .

Each time I was reimbursed for my expenses and was made whole again.

Travel insurance was there when my friend had to be helicoptered out of the Amazon after he fell off a boat, when another friend’s father died and she had to fly home, and when another friend got her bag stolen.

Travel insurance is designed to make sure you don’t lose a ton of money if an emergency happens abroad. Since most domestic health insurance programs don’t cover you overseas and travel credit cards offer limited protection, buying travel insurance is something you definitely need to protect you against the unknown.

Since travel insurance is one of the most complex, important, and confusing aspects of trip planning, I want to break it down for you, help you understand what it is about, and show you how to pick the best travel insurance plans in just a few steps!

Quick Overview: The Best Insurance Companies

Table of Contents

What to Look For in a Great Travel Insurance Plan

What’s not covered by your travel insurance, travel insurance loopholes: what to look for, the 4 best travel insurance companies, buy your travel insurance as soon as possible, a note on covid-19 (and other pandemics), final thoughts: why buying travel insurance is a must.

Insurance is a billion-dollar business and everyone wants their hand in the cookie jar. Consequently, you face a mind-numbing number of companies, policies, and terminology that can be confusing and overwhelming.

And, in the fine print, you’ll often discover that plans aren’t as good as they initially appear.

So, what should you do?

First, make sure your travel insurance offers a high coverage limit on your medical expenses. A good company will provide up to $100,000 USD in coverage care, though more expensive policies will cover you for higher amounts. The maximum coverage limit you can find is around $2,000,000 USD, though I’m not sure why you would ever need a limit that large.

High coverage limits are important because if you get sick, injured, or need serious attention and have to seek professional care, you want to make sure your high hospital bills are covered. The worst thing you can do is go cheap and get a policy with a $20,000 USD coverage limit, break a leg, and reach that limit before they are done taking care of you. Don’t be cheap with your health. Ensure you have coverage for at least $100,000 USD.

Second, you want to make sure your travel insurance policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the nearest acceptable medical facility.

If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well. This protection should cover an expense of up to $300,000 USD.

Additionally, make sure you understand if your evacuation coverage will pay for you to get home or if it will just send you to the nearest acceptable facility.

For example, if you break your leg abroad, most insurance policies will pay for your hospital bills. However, they won’t pay for you to get home since it’s not a life-threatening injury requiring advanced care.

Standard emergency evacuation coverage frequently only moves you if your current facility is inadequate or if it’s “medically necessary.” Only then will they pay for a flight home.

In short, double-check if your company will cover the cost of your flight back home if you need it.

If you’d prefer not to stay in a foreign hospital for treatment and recovery, you should look into a medical transport membership program like Medjet . They ensure that, should you be hospitalized abroad, you’ll be able to be repatriated — something many travel insurance policies can’t guarantee.

Third, great travel insurance plans always include the following provisions:

• Coverage for most countries in the world (including the places you plan on visiting).
• Some coverage for your electronics (and have the option for a higher coverage limit).
• Coverage for injury and sudden illnesses.
• Offer 24/7 assistance (you don’t want to call to be told to call back later).
• Coverage for lost, damaged, or stolen possessions like jewelry, baggage, documents, etc.
• Coverage for cancellations for hotels, flights, and other transportation bookings if you have a sudden illness, death in the family, or some other emergency.
• Coverage for political emergencies, natural disasters, or strife in the country that causes you to head home early.
• Financial protection if any company you are using goes bankrupt and you are stuck in another country.

A quick note on electronics: Most companies only have a small limit ( usually up to $500 USD per item), as part of their basic coverage. You can often buy supplemental insurance to get a higher amount of coverage.

Moreover, many regular and home insurance companies offer insurance plans that can help you cover your electronics.

If you’re traveling with a camera, laptop, phone, and other electronics, make sure you have suitable coverage. They’re usually the things most likely to be lost, get stolen, or break.  

Just as important as knowing what your plan covers is knowing what it doesn’t cover. Generally speaking, most plans don’t cover:

• Accidents sustained while participating in extreme adventure activities such as hang gliding, paragliding, or bungee jumping (unless you pay for extra coverage).
• Alcohol- or drug-related incidents.
• Carelessness in handling your possessions and baggage.
• Recklessness (how “reckless” is defined is a matter up to each company).
• Pre-existing conditions or general check-ups. For example, if you have diabetes and need to buy more insulin, you won’t be covered. If you want to go see a doctor for a general check-up, you aren’t covered either.
• Lost or stolen cash.
• Your theft coverage won’t cover you if you left something in plain sight or unattended.
• If civil unrest makes your destination unsafe but your government hasn’t called for an evacuation, you’re probably out of luck too.

Even the best travel insurance have their limits. Often, in the fine print, you’ll find that plans aren’t as good as you thought.

The medical portion of travel insurance is more about emergency care than being a replacement for your normal healthcare. A lot of people purchase travel insurance get disappointed when they find out they can’t go get an annual physical with it.

Remember, you get what you pay for. Maybe you see two companies offer similar plans but one is really cheap?

Usually, it’s because the devil is in the details and they have smaller payouts, take longer to process claims, deny more people, or have so many rules in the fine print that it turns out you aren’t going to get paid when you think you are!

Travel insurance is accident insurance. It is there to protect you in case of emergency and, if need be, get you home in a hurry. If you want a global health plan (because you’re now an expat or digital nomad living abroad), you need a completely different type of plan from regular traveler insurance ( Insured Nomads has plans like this, for example).

Here’s a helpful chart that summarizes common concerns and the corresponding coverage you’ll need. Use it to help you find a suitable travel insurance plan:

The world is FILLED with insurance companies. You’re going to come across hundreds of them in your search for a reliable and affordable provider. To help you separate the wheat from the chaff, I’m going to list my favorites.

Below are the companies I would be OK with my mother using. If you’ve found a company and it’s not listed here, it’s because I probably wouldn’t use them. I’ve researched hundreds of policies over the last ten years and have found the following companies to be reliable:

The #1 Travel Insurance Company for Travelers!

I use them because I can purchase and renew my insurance policy online in a matter of minutes, they have a very friendly and responsive staff who answer questions and help solve problems via social media, they have great customer feedback, and most importantly, they provide a lot of coverage at a super affordable price. You can read my full Safety Wing review here.   Other good travel insurance companies to consider:

• Best for digital nomads and expats
• The closest thing to normal health insurance
• Covers non-emergencies
• Telehealth & mental health coverage

• Short-term and annual plans
• Extensive medical transport coverage
• Available for residents of USA, Canada, and Mexico
• Coverage for COVID-19
• Limited time spent in foreign medical facilities

• Compare plans from 23 providers
• Best option for travelers over 65
• “Anytime Advocates” ask insurer to give your claim a second look if you think it was unfairly denied
• Guaranteed low prices

• Comprehensive medical and cancelation coverage
• Coverage for adventure sports/activities
• Easy online claims process
• 24/7 customer support

You can buy travel insurance up until the day you leave for a trip (since it usually takes 24-48 hours to kick). Some companies, like Safety Wing , allow you to buy plans abroad. You can buy travel insurance even after you’ve booked your flight, so long as the policy is activated before you depart.

Even though you can wait until you leave, it’s best to get your travel insurance as soon as possible. Every day you wait, there’s a chance that something could happen, and you can’t get travel insurance after something goes wrong.

If a hurricane ruins your trip, your travel insurance would only cover you if you bought it before  the hurricane formed. Buy a plan the day after you go to the doctor but before he tells you you’re sick? Your plan won’t cover you since your original visit happened BEFORE the plan.

Don’t wait to get insurance. I’ve seen it happen too often. The second you know you are going somewhere and have the dates, buy travel insurance!

You don’t want to end up like my friend in Peru , who decided against coverage, only to break her arm and have to spend lots of money to get it fixed in Lima. It’s always better to be safe than sorry.  

As many travelers learned the hard way, most travel insurance policies do not cover pandemics. Until now, that really hasn’t been a concern for most travelers, including me. Prior to 2020, I never really gave the “pandemic clause” much thought when reading my insurance policies.

However, these days pandemic coverage is at the forefront of every traveler’s mind (and rightly so).

Fortunately, insurance companies have adapted and most companies now provide limited coverage for COVID-19 (or other pandemics). This limited coverage usually includes trip cancelation or delay, though some also have medical coverage for COVID or transportation home (as is the case with Medjet ). SafetyWing , and Insured Nomads also provide coverage for COVID-19.

Before you buy a plan anywhere, be sure to read the fine print regarding pandemics and COVID-19. Make sure you fully understand what is and is not included so you can take appropriate action should a situation arise. When in doubt, call them and speak to a representative. Don’t risk your health on assumptions!  

I know you’re thinking right now, “Ok, I know what travel insurance is now…but do I really need it?”

The answer is yes.

For one simple reason: you aren’t Superman or Wonder Woman. Over a decade of traveling the world has taught me that accidents happen. You may be in perfect health right now but can you say 100% you won’t get sick in the jungle of Asia or hurt climbing a mountain in Africa?

Can you say no one will steal your stuff in Spain or Italy or that you won’t pop an eardrum diving in Tahiti ?

Can you say your flights won’t ever get delayed or canceled?

No, you can’t.

And that’s why smart travelers get insurance. Because, for just a couple of dollars a day, you’re going to get all those things covered — and more.

I hope nothing bad happens to you on the road but, if it does, insurance will cover it all. It’s more than just health coverage. It’s “something bad happened to me” coverage. It’s all-inclusive and there for you.

So be smart and get travel insurance. You can use the widget below to get a quote today:

  STILL CONFUSED? Here are 10 common questions (and answers) about your travel insurance .

P.S. –  If you’ve found this article helpful, please consider booking via the links here as it helps keep the website community supported and advertiser free. All the companies are ones I use myself in my own travels. If you have any questions, email me!  

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget 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. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Ready to Book Your Trip? Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip. Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission or fee if you make a purchase or get a quote from some parties using these links. I do not represent any of the companies above and I only work with products and companies I personally use.

Get my best stuff sent straight to you!

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Is Travel Insurance Worth It? Evaluating the Value and Benefits

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.

• Travel insurance covers risks like trip cancellations, health emergencies, and lost luggage.
• Travel insurance costs can range from 4% to 12% of your total trip cost.
• Travel insurance is best for trips that are long, expensive, nonrefundable, and international.

Vacations can be very expensive. If you're paying a lot for yours, you might wonder if you should purchase travel insurance, especially when some costs are nonrefundable.

The answer isn't always cut-and-dried. Travel insurance isn't necessary for everyone. Whether you need it will depend on a variety of factors. Here are some key points to consider when deciding if travel insurance suits you.

Introduction to travel insurance

When planning a trip, it's essential to think about how you'll protect yourself from the unexpected. That's where travel insurance comes in. It can cover various risks like loss of personal belongings, checked baggage, and more. With the appropriate coverage, you can nullify or mitigate the potential losses. "Plain and simple, travel insurance is a layer of protection against financial loss," says Brad Cummins, owner and principal agent for Insurance Geek , an insurance comparison platform. "Whether it be lost luggage or a lost passport, travel insurance will cover the extra costs during these unfortunate events."

Benefits of travel insurance

Protection against unforeseen cancellation.

One of the top reasons to acquire travel insurance is to cover potential losses from trip cancellations. When canceling a trip due to a covered cause, travel insurance will reimburse you for prepaid, nonrefundable expenses. 

Some covered causes for travel cancellations include:

• Sickness, injury, or death of traveler or family member of traveler
• Inclement weather
• Unexpected work or layoffs
• Terrorist incidents in a travel location

Some travel insurance covers trip cancellations regardless of the reason. However, you make certain trade-offs when you enroll in a  "Cancel for Any Reason" (CFAR) insurance policy . These policies are more expensive and may only refund a percentage of your trip's cost. You can find our guide on the best CFAR travel insurance  here.

Financial security and peace of mind

While your travel insurance covers any unforeseen issues before your trip, it continues to cover you even after your flight has taken off.

For example, you don't have to be as anxious at baggage claim when your fellow passengers have claimed their luggage and yours hasn't come out yet. Travel insurance offers lost luggage protection and can cover any necessary purchases while you wait for your late luggage to arrive, such as toiletries and a change of clothes.

Medical coverage on travel insurance  can also offer peace of mind as most US health insurers don't provide coverage when you're abroad. A comprehensive travel insurance plan will cover you in an unexpected accident or emergency so you can seek medical attention for an injury sustained while traveling without worrying about mounting medical bills.

Evaluating the cost of travel insurance

The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as little as 4% of your trip cost or as high as 12% of your trip cost.

If you're wondering whether travel insurance is worth it, you're not alone. There are a few things to consider. If an emergency arises on your trip, travel insurance can reimburse part or all of your vacation expenditure. However, this will depend on factors such as your trip type and whether it's refundable.

Cost vs. potential savings

In general, travel insurance is worth it if you're concerned about losing money if your trip is called off or delayed or if you're worried about medical bills while traveling. However, conducting thorough research and understanding the costs and coverage provided is critical before purchasing a policy.

For example, older travelers or those with pre-existing medical conditions may pay more for their insurance. Similarly, those traveling to high-risk destinations or participating in high-risk activities may also face higher premiums. 

Ultimately, it's important to shop around and compare quotes from different travel insurance companies to find the best coverage and rate for your needs. You can find our picks for the best travel insurance companies here. 

Cost-benefit analysis for different trip types

Travel insurance may be a wise investment if you've already paid for your and can't change or cancel your trip without penalty. Suppose your trip is canceled or disrupted due to a covered cause. In that case, travel insurance will cover the trip's cost and any other nonrefundable expenditures up to a pre-determined amount.

If you're heading to a country where your health coverage doesn't apply, or if you don't have any health insurance at all, travel insurance might provide the protection you need. Travel insurance can also assist you in case of medical emergencies. It's vital to understand that not all travel insurance policies are created equal. Be sure to carefully study the details and understand what is and isn't covered before purchasing one.

Scenarios where travel insurance is essential

Expensive vacations and long-term travel.

It's a good idea to insure trips with a high, nonrefundable price tag because you'll never forgive yourself if your expensive, once-in-a-lifetime trip gets canceled and your money and planning go down the drain. For these vacations, you'll want to find a policy that covers 100% of expenses.

Similarly, if you have long-term travel plans, you'll want to have a policy that protects against travel interruption in case something cuts your plans short. You'll also want medical coverage during extended stay outside the country.

High-risk destinations and activities

High-risk destinations include regions facing political instability, war zones, and areas prone to natural disasters. Travelers headed to these areas should look into travel insurance in case their trip is canceled due to an unforeseen event. 

Additionally, certain areas are known for the thrilling activities they offer, like skydiving and bungee jumping. If you have extreme sports on your itinerary or believe you might build up the courage to plunge down a canyon, you may want to invest in a travel insurance policy. Keep in mind that some travel insurance policies don't cover high-risk activities, so shop carefully.

When travel insurance may not be necessary

Low-risk, short, or domestic trips.

There are also some situations in which you might not need travel insurance. If you are traveling within the US, you do not need travel insurance for health reasons since most health insurance plans will cover you even if you're not in your home state. 

Additionally, travel insurance may not be necessary if you're only traveling over the weekend or exclusively booked refundable experiences.

Making an informed decision

There are a few key considerations when buying a travel insurance policy. The cost of the policy is one factor, but it's also important to look at the coverage limits and what is included and excluded in the policy. Be sure to read the fine print carefully and compare policies between different companies. 

It's also important to consider the purpose of your travel insurance policy. If you're going on a trip where you'll be doing adventurous activities, ensure your policy covers those activities. Finally, remember that travel insurance is there to protect you in case something goes wrong on your trip, so don't hesitate to use it if you need to.

If you decide that you need travel insurance, here are a few things to keep in mind when shopping for a policy:

• Read the fine print of any policy you are considering to understand what is and is not covered. This is especially important for those who want to add special coverage options. 
• Compare policies from different providers to find the best coverage at the best price.
• Purchase your policy well in advance of your trip so that you are covered in case of any unforeseen circumstances.
• Ensure you're covered for pre-existing conditions because a number of policies will exclude pre-existing conditions if you don't pay extra for a waiver or additional coverage. 

Buying travel insurance can be a pretty quick and painless process, thanks to insurance aggregator sites like SquareMouth .

Using SquareMouth is one of the easiest ways to see multiple coverage options simultaneously. Once you've entered some personal details and information regarding your trip, you'll see a variety of insurance providers and plans from which to choose.

Assessing personal and trip risks

The first consideration you should factor into travel insurance is how much of your trip is already paid for. If you've prepaid for most or all of your travel expenses, you may want to purchase travel insurance if you have to cancel.

Another thing to consider is where you will be traveling. If you are visiting multiple countries, getting insurance that covers you in all of them might be a good idea.

Your age and overall health can also determine whether you need travel insurance. Suppose you are older or have pre-existing medical conditions, for example. In that case, it might be a good idea to purchase travel insurance if you need to cancel your trip or incur unexpected medical expenses.

Lastly, the value of your luggage can also be a factor to consider. If you plan to bring expensive items with you on your trip, it might be worth purchasing travel insurance to cover lost or stolen luggage.

Reviewing policy options and exclusions

When it comes to travel insurance, the ease of use will depend on the provider you choose. If you're working with a reputable insurer, then the process should be relatively straightforward. However, it's still important to understand what is and isn't included in your policy before you purchase it. This way, you can be sure that you're getting the coverage you need and that you won't be caught off guard by any fine print.

Travel insurance isn't necessary for everyone or every trip. But it can bring a lot of peace of mind during your travels and can certainly translate into significant savings if you're faced with a medical emergency while on your trip. It's best to do your research, compare plans, and understand your own level of risk when it comes to deciding whether or not to purchase coverage.

Travel insurance frequently asked questions

Travel insurance is highly recommended for trips that are long and expensive. For example, you should buy travel insurance for any international trips, cruises, adventure travels, and trips with significant pre-paid expenses.

To say that travel insurance will save you money in the long run isn't entirely accurate. Travel insurance will save you money when things go wrong, but it won't save you any money if your trip goes smoothly.

Short domestic trips don't necessitate travel insurance. Most health insurance policies cover you from state to state, so unless you're worried about unexpected cancellations, travel insurance isn't a must-have.

Travel insurance policies commonly exclude coverage for pre-existing medical conditions, extreme sports injuries, and travel to high-risk countries.

Cost-benefit considerations should include the total cost of your trip, the refundability of your expenses, your destination's healthcare costs, and your personal health and travel risks.

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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These are the 4 best family travel insurance plans

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

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

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

Best family travel insurance  

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

Best for families with young children 

Allianz travel insurance.

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

Policy highlights

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

24/7 assistance available

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

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

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

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

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

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

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

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

Best for CFAR coverage 

Travel insured international travel insurance.

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

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

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

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

Best for cruises  

Berkshire hathaway travel protection.

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

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

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

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

More on our top family travel insurance companies 

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

CFAR coverage available?  

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

24/7 assistance?  

[ Return to summary ]  

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

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

Travel Insured International 

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

Berkshire Hathaway Travel Protection 

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

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

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

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

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

Bottom line

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

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

Why trust CNBC Select? 

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

Our methodology  

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

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

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

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

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State Farm Car Insurance Review | Money

Founded in 1922, State Farm has grown to become one of the largest insurance companies in the U.S.

This article explores the pros and cons of State Farm’s auto insurance, so you can decide whether their insurance is a good fit for you. We’ll go over the 10 discounts State Farm offers, its generous rental car and travel expense coverage and the areas where the company’s car insurance falls short.

State Farm car insurance pros and cons

• Multiple discount options available

Great options for rental car and travel expense coverage

• Excellent customer service
• Discount percentages, availability and eligibility vary by state

Does not offer GAP insurance options

Pros explained.

There are several factors where State Farm stands out, such as its customer service, rental and travel coverage as well as several discounts options to help customers lower their premium costs.

Multiple discount options

State Farm offers discounts for customers who maintain accident-free driving records, take safe-driving classes or have safety and anti-theft features in their cars. These discounts include the following:

• Defensive driving course discount : You can get this discount by taking a driver safety course.
• Accident-free discount : If you keep an active policy with State Farm for at least three consecutive years without an at-fault accident, you can get a driving discount of up to 25%. (An at-fault accident is an accident where you are deemed to be the cause of damage to property or bodily injury.)
• Good driving discount : If you’re a new State Farm customer, you can get this discount if you’ve gone for at least three years without a traffic ticket or at-fault accident.
• Student away at school discount : If anyone on your State Farm auto insurance policy is a student under the age of 25 who only uses a covered vehicle when they visit home, you can get this discount.
• Good student discount : If a student listed on a State Farm auto policy gets good grades (top 20% of their class, qualifying test scores or 3.0+ GPA), you can get up to 25% off your rate.
• Driver training discount : If all the drivers on your policy who are under 21 years old take a State Farm-approved driver education course, you can qualify for a discount.
• Steer clear discount : If you’re a new driver or under 25 years old, and you haven’t had any moving violations or at-fault accidents for the past three years, you might qualify for this program and save up to 15%. To qualify, drivers must complete five training modules that include lessons, driving practices and quizzes.
• Drive safe & save discount : To save up to 30%, you can download State Farm’s app and authorize it to track your driving. Safe driving habits — such as avoiding speeding, quick accelerations, hard braking or using your phone while driving — will earn you a discounts.
• Anti-theft discount : You qualify for this discount if your vehicle has an alarm or other approved anti-theft device.
• Passive restraint discount : If your car model is from 1993 or older and equipped with a factory-installed air bag or another passive restraint system, you can get a discount of up to 40% on medical-related coverage.

State Farm car insurance pays for a rental vehicle if yours is in the shop because of a covered incident. It also pays for lodging, meals and transportation if you’re stranded over 50 miles from home. Coverage varies by state, and you need State Farm’s full-coverage car insurance (comprehensive or collision coverage) to receive these benefits.

Excellent customer service ratings

At a time when auto insurance companies are struggling with high customer dissatisfaction , many State Farm customers on third-party review sites mention the friendliness and helpfulness of their local agents. Ten out of 11 regions surveyed by J.D. Power had State Farm exceeding the regional average in customer satisfaction.

Cons explained

The main drawbacks of State Farm insurance are that it doesn’t offer guaranteed asset protection (GAP) insurance and its discounts vary depending on where you live. This means you’ll have to dig a little for the info or contact an agent to learn about those available to you.

Discounts, availability and eligibility vary by state

While State Farm offers several discounts to help customers save on their premiums, it doesn’t offer these on a national level.

For example, State Farm’s Drive Safe & Save program is not available in CA, MA or RI. Another discount it doesn’t offer in California is the passive restraint discount, however it does offer a loyalty discount (which is not available in Florida, Texas or New York among others).

To learn what discounts are available state-by-state customers have to contact an agent or go to the discount page and use the “search for discounts in your state” tool.

GAP (guaranteed asset protection) insurance covers the difference between what your car is worth (what your insurance will pay out) and the remaining car loan balance if it’s totaled or stolen. GAP insurance doesn’t help you purchase a new vehicle; it helps you avoid the financial responsibility of paying the remaining car loan balance on a totaled vehicle.

Most auto insurance companies offer this type of insurance, but State Farm doesn’t. State Farm does offer something similar, the Payoff Protector, but this is not an insurance product and it’s only available if the car loan is from State Farm Bank.

State Farm car insurance plans

State Farm provides an array of plans and policies, depending on the state where you live.

The Steer Clear drivers program

If you have a young driver in your policy, you can save on State Farm’s insurance rates if they participate in the Steer Clear program. This program offers training on safe driving, and requires drivers to record their trips.

The Steer Clear app provides quizzes and safe driving videos. Participating drivers must be under 25 years of age and have had no at-fault accidents or moving violations in the past three years.

Rideshare insurance

Commercial auto insurance (also known as business insurance) for rideshare drivers can be expensive. State Farm’s rideshare driver coverage, which extends your personal auto insurance to protect you while you’re doing rideshare work, might help you save some money. Adding this coverage will typically add 15% to 20% to your personal policy premium.

State Farm’s rental car and travel expenses

If your car is in the repair shop due to damage covered by your comprehensive or collision policy, State Farm’s car rental reimbursement will help with the cost of renting a car. There are daily and per-claim limits to the coverage. For example, State Farm might pay up to $16 per day and up to $400 per occurrence. State Farm also pays up to $500 per loss for transportation, lodging and meals if you’re stuck over 50 miles from home.

Car rental and travel expense coverage are optional, so you need to ask for it when you’re getting a State Farm car insurance quote so the cost is added to your total.

State Farm car insurance financial stability

According to the three major credit rating agencies, State Farm is on stable financial footing and earned the following ratings:

• A.M. Best : A++
• Standard & Poor’s : AA
• Moody’s : Aa1

To determine these Financial Strength Ratings (FSR), credit agencies analyze a company’s financial statements, business practices and other factors such as the economy and a company’s position within the industry.

State Farm car insurance accessibility

State Farm is available (almost) nationwide, although some coverage options and discounts, such as rideshare insurance and the Drive Safe & Save discount, are not available in all states. To find out what coverage and discounts are available in your location, you’ll have to contact a local agent.

Availability

State Farm sells new policies in 48 states plus Washington, D.C. The exceptions are Rhode Island and Massachusetts.

Contact information

State Farm’s general inquiry phone number is 800-782-8332. The company’s phone number for auto insurance claims is 800-732-5246. Unfortunately, State Farm does not list a customer service email on its site. You can request a quote on their website, but expect to be connected with a local agent for more details.

State Farm customer satisfaction

The Better Business Bureau gives State Farm an A+, but customer reviews give it a one star out of five. Its record with the National Association of Insurance Commissioners (NAIC), however, shows that it receives less complaints than other similarly sized providers.

Customer reviews

State Farm has a 1.2 customer rating out of five on the BBB’s website. Many positive reviewers praise the excellent customer service they’ve received from their local agents. Negative reviews tend to mention claims denials they felt should have been approved, as well as damaged vehicles staying in the repair shop too long because State Farm wasn’t responding to the shop’s calls.

Complaint index

The NAIC’s complaint ratio is the number of complaints relative to a company’s size. A ratio lower than 1.00 indicates that the insurance company has a complaint level below the industry’s national average. State Farm’s NAIC score is 0.70, which means it’s received less complaints than the average. The NAIC reports customer complaints such as unexpected delays or denials for claims payments and unsatisfactory settlements.

State Farm car insurance FAQ

How do you cancel state farm car insurance, how do you remove a car from state farm car insurance policies, how many claims are allowed in car insurance from state farm, how we evaluated state farm car insurance.

In evaluating this company’s auto insurance, we looked at the following:

• Reviews from customers
• Cost compared to competitors
• Available discounts
• The company’s financial strength

Summary of Money’s State Farm car insurance review

State Farm is a good option for people who are looking for multiple discount options, helpful customer support and options for rental car and travel expense coverage. The company has been around for over 100 years and has accumulated several positive third-party rankings from organizations like the BBB and A.M. Best.

While it does offer extensive discount options and a wide variety of coverage, they do lack GAP insurance, so bear that in mind as you shop for the right car insurance.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

State Farm‪®‬ 4+

Insurance & finance, state farm mutual automobile insurance company.

• #32 in Finance
• 4.8 • 874.5K Ratings

Screenshots

Description.

With the award winning State Farm mobile app, you can manage your insurance and other products, request roadside assistance, file and track claims, and much more! View and manage your insurance policies. • Quickly pay your insurance bill – even with Apple Pay. • View your auto insurance ID card and add it to Apple Wallet. • View your insurance policies and coverage details. Here to help when you have a claim. • Quickly file a vehicle, property or vehicle glass claim. • Track the status of your claim through every step. • Get Claims status notifications. • Get roadside assistance with tire changes, dead batters, stuck vehicles and more. But wait, there’s more! • View details of your mutual funds products. • Personalized reminders and notifications when you login. • Ask Siri to view your insurance card or your Claims with our shortcuts. • Login with Touch ID, Face ID, or a PIN. • Send a text message to your agent. • Need technical assistance? Send us a message on your time with our messaging feature. • FAQs available in the app when you need them. • Learn about other products State Farm offers.

Version 9.54.0

What's new in 9.54? • If you use a cell phone for login verification and are prompted after logging in, be sure to confirm your phone number to be ready for a future update. • Additional bug fixes and performance enhancements to improve your overall app experience.

Ratings and Reviews

874.5K Ratings

Please Add To The App, That The Customer Can Type In The Amount To Pay

We need you to add to the app, the choice for the customer to type in the correct payment amount that is due for when State Farm has the WRONG PAYMENT in the spot where it shows what you pay per month, because you can’t make a payment for the month when that amount due that is showing in the app, is actually the wrong amount due, then the app makes you late on paying your insurance because there’s no option for the customer to type in the correct monthly payment that you need to pay! That’s about the only thing I don’t like about my State Farm app, they’ve done this to me these last 5 months and we’ve only been with them for 6 months, I keep having to call State Farm and give the bank card info over the phone so I can make our payment each month, it’s been such a very bad experience and it’s no peace of mind when you cannot open the app and type in the correct amount that is due when each month for 5 months they’ve always had a higher amount due per month for our insurance! Why would we wanna pay a higher amount? I’m about ready to delete this app if it’s not fixed soon! Thank you for your time!

Road side assistance and claim frequency?????

I have used my roadside assistance part of my auto insurance twice in the eight months that We have been insured through State Farm. The first time the battery had worn down and just wouldn’t start. It wanted to turn over but it was to much of a pull on the battery. So we called to have someone come and jump start it. A little bit over a week my husband accidentally left the parking lights on over night and we had to have it jump started after all this is what I have in my insurance policy isn’t it and I do play for it every month in time, through an ACH withdrawal, I mean I am not late. And you consider twice in over eight years claim frequency and if I don’t give my insurance agent permission to take it off my policy your are going to cancel my coverage but you don’t say when this is going to happen. Isn’t your slogan something like, like a good neighbor State Farm is there. Serious you are there but if you use your road service more than once and call it claim frequency. That doesn’t sound like a good neighbor to me. Rather to my husband and that sound like a bunch of people greedy cheap people who have no concern for their insureds safety and well-being. All they want to do is take all the money they can from you and give you little or no coverage. Mark and Lee Ann Bush, Swansea, Illinois. I

Love State Farm

Can’t say enough good things about State Farm as a whole and especially our agent, Joan Warner and her crew in Farmington Hills, MI. They take great care of us. An agent should be more than an order-taker. Joan has been a trusted advisor for decades. I’m always amused by friends and family members who ask, “Who is your insurer, I need to get my premiums reduced?” I always say, “don’t focus on the premiums, but focus on the agent and their knowledge when you buy because insurance coverage is never tested until you have a claim.” We recently had a flood in our basement and, forgive the motto, but State Farm was there! Because if Joni’s expertise, we added the drain addendum to our homeowners policy when we moved here two years ago. Yes, it raised our premiums a bit, but the drain back-up that devastated our basement, was covered! An adjuster was out here within a week and a few days later, we had a check. Now we can put our basement back in place, thanks to State Farm! Thank you! You’re the best!

App Privacy

The developer, State Farm Mutual Automobile Insurance Company , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

Data Linked to You

The following data may be collected and linked to your identity:

• Financial Info
• Contact Info
• User Content
• Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

• Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

English, Spanish

• App Support
• Privacy Policy

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Moscow-City: 7 surprising facts about the Russian capital’s business center

1. Guinness World Record in highlining

The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.

2. Domination of Europe's top-10 highest skyscrapers

7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the  ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.

Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).

However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).

3. The unrealized ‘Rossiya’ tower

If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.

4. Changed appearance of ‘Federation Tower’

In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.

5. Open windows of ‘Federation Tower’

We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.

6. Broken glass units of ‘Federation Tower’

The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.

7. The highest restaurant in Europe

‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.

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Unless you’re fully committed to an off-the-grid lifestyle—and if you are, that’s super cool—you’re likely going to need credit for many important things like mortgages, auto loans and even potentially insurance or tenant screenings. But good credit needs to be...

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