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The Ultimate Guide to Buying the Best Travel Insurance [For You]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

306 Published Articles

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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Whether you’re traveling with family or solo, on an epic adventure or a weekend getaway, travel insurance can go a long way toward providing peace of mind during your trip. And if things should go wrong, you’ll find consolation in being financially covered.

With all that’s at stake, you’ve probably given serious thought to purchasing travel insurance just like I have. There have certainly been times when I’ve needed it, including severe flight delays, a parasailing accident in Mexico, and when my luggage took a trip of its own!

Unfortunately, it’s also easy to become overwhelmed with the vast selection of travel insurance options available. We’ve created this guide to help you sort through the confusion and demystify the process.

In this article, we’ll cover all the information you need to:

  • Determine the type of coverage you need
  • Find out if you currently have any travel coverage
  • Narrow your options to just a few policies that fit
  • Select a reputable travel insurance company

Let’s get started with helping you find the best travel insurance policy for your situation.

Why You Need Travel Insurance

Situations Where Travel Insurance Can Help

If you travel frequently, you’ve probably experienced an event where travel insurance would have helped.

Whether it was a severely delayed flight, illness abroad, stolen possessions, or a canceled trip due to an unforeseen event — travel insurance could have made the situation better.

Travel Insurance can cover a variety of situations. Here is just a sampling of those you can easily purchase coverage for:

  • You have an accident and need medical evacuation to a nearby hospital: According to travel insurance company Allianz, the estimated cost of medical evacuation ranges from $15,000-$20,000 in Mexico to over $200,000 in Asia, Australia, and the Middle East.
  • You miss your cruise because your flight is severely delayed or canceled: Catching up with your cruise once it has departed can be costly!
  • You can’t take a planned trip due to illness: The entire cost of your trip and any pre-paid arrangements could be at risk if you become ill and unable to travel. Coverage is even available when travel companions become ill and you must forego your trip.
  • You become ill while abroad: The cost of medical attention abroad can be expensive, and it can result in increased costs to rearrange your itinerary.
  • Your baggage is lost or delayed: After your bags have been delayed a minimum amount of time, usually 12-24 hours, coverage kicks in and provides money for essentials.

Bottom Line: It’s prudent to buy travel insurance for expensive trips. You may go several years without using the coverage you’ve purchased, but one incident could cause you to incur thousands of dollars in expenses, far exceeding the cost of insuring multiple trips. 

Travel Insurance Coverages
The process of selecting the best travel insurance policy for you will include deciding which coverages match your greatest concerns. Image Credit:

Covering Your Major Concerns

If money is no object, you can purchase a lot of travel insurance to make sure you’re covered for nearly every situation you’ll encounter. In reality, you’ll probably want to balance cost with the coverages that are most important to you.

For some travelers, their greatest concern is the huge cost of an emergency medical evacuation. For others it can be the risk of getting ill and not being able to travel on a trip they’ve paid thousands of dollars for already.

But don’t fret: there’s a travel insurance plan for just about any travel concern that can cost you money if things go wrong.

Here are some of the plan types available:

  • Emergency Medical Evacuation: Pays to get you to the nearest hospital, even in remote areas
  • Travel Medical Insurance: Provides medical care if you get sick or injured while traveling
  • Annual Travel Insurance: Covers you for multiple trips taken throughout the year
  • Comprehensive Package Travel Insurance: Conveniently groups many travel insurance coverages together in one policy
  • Cancel for Any Reason Rider (CFAR): When certain conditions are met, this coverage lets you cancel your trip for any reason and receive reimbursement
  • Policies that Cover Families: Comprehensive travel policies that cover all family members/domestic partners before and during your trip.

When to Buy Travel Insurance

Most travel insurance policies can be purchased up until the day of your departure. However, some policies contain pre-departure benefits, so you’ll want to buy your policy as soon as possible.

For example, you may have coverage that covers you getting ill and not being able to take your trip.

The general advice is to buy your policy when you make your first payment on the trip.

Since policies can be priced according to how much your total trip costs, you can take out the insurance based on what you’ve already paid and call the company to raise the amount of the policy once you’ve made additional payments.

Read our guide to find out more on when to buy travel insurance.

Hot Tip: Travel insurance policies include a free-look period, where you can review your policy once you’ve received it and decide if it’s right for you. This free-look period is usually 10-15 days depending on the company and type of policy. 

You May Already Have Coverage — Here’s Where to Look

Before you purchase a travel insurance policy, you should check these 4 places where you may have some current coverage.

You may find that you have a credit card with travel insurance, with your employer-sponsored health plan, with club/organization memberships, and on Medicare gap policies.

It is helpful to know which types of coverage you currently have so you can select a comprehensive travel insurance policy without paying extra for duplicate coverage.

Rental Car View
One type of coverage commonly found on credit cards is a loss and damage waiver for rental cars. Image Credit: Shutterstock.

Credit Cards

Credit cards commonly carry travel insurance benefits, but whether they’re included and the level of coverage provided will vary depending on which card you carry.

Let’s take a look at some of the most popular credit card issuers and the types of travel insurance/protection they provide.

American Express offers several travel insurance benefits on their cards.

Chase is another major card issuer that includes various travel insurance coverages on their credit cards.

Travel Insurance CoverageChase Credit Cards with Coverage
Trip Delay/Cancellation Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Ink Business Preferred® Credit Card
United℠ Explorer Card
The World of Hyatt Credit Card
Chase Freedom Flex℠
Lost/Delayed LuggageChase Sapphire Preferred® Card
Ink Business Preferred® Credit Card
Chase Sapphire Reserve®
United℠ Explorer Card
Southwest Rapid Rewards® Premier Credit Card
The World of Hyatt Credit Card
Global Assist HotlineChase Sapphire Preferred® Card
Chase Sapphire Reserve®
Ink Business Preferred® Credit Card
British Airways Visa Signature® Card
Southwest Rapid Rewards® Premier Credit Card
Car Rental Loss and Damage WaiverChase Sapphire Preferred® Card
Chase Sapphire Reserve®
Chase Freedom Unlimited®
Ink Business Preferred® Credit Card
Ink Business Cash® Credit Card
United℠ Explorer Card
British Airways Visa Signature® Card
Southwest Rapid Rewards® Premier Credit Card
Roadside AssistanceChase Sapphire Reserve®
Ink Business Preferred® Credit Card
Southwest Rapid Rewards® Premier Credit Card

Citi credit cards have recently had several travel benefits removed,  similar to other credit card issuers. Your exact coverage benefits will depend on which Citi card you have. To learn the details of Citi’s credit card travel protections, you can access Citi’s credit card guide to benefits here.

Hot Tip: To receive coverage from any credit card, you must meet the purchase requirements. Some credit cards require you to charge the entire purchase, while some grant coverage if you pay for just a portion of the purchase with your card. You may also be able to receive coverage by using points for your purchase.

Requirements vary, but you can call the number on the back of your credit card for questions on coverage specific to the card you’re using.

See our article for information on additional credit card travel insurance coverage.

Bottom Line:Credit cards may offer incidental travel protections and benefits, but they should not be considered a replacement for a comprehensive travel insurance policy. 

Employer-Sponsored Health Insurance

You’ll first want to check your current health insurance policy to see if it might cover you while traveling. Many do not extend health insurance benefits while traveling, but there may be ancillary travel insurance coverages included in your policy.

For example, some employer-sponsored health insurance plans contain travel insurance coverage that can be quite significant. Unum is one of the most common group insurance companies offering employers travel insurance for their employees through Assist America.

The employee is provided a 24/7 phone number that can be called for immediate assistance when traveling more than 100 miles from home.

Here is a sample of coverage provided:

  • Hospital admission assistance
  • Emergency medical evacuation
  • Prescription replacement assistance
  • Transportation for a friend or family member to join a hospitalized patient
  • Care and transport of unattended minor children
  • Referrals to Western-trained, English-speaking medical providers
  • Legal and interpreter referrals
  • Passport replacement assistance

There is no charge for any of these services when the coverage is included on an employer-sponsored healthcare plan, so you’ll want to check your current employer-sponsored health plan to see if you have this coverage.

Emergency evacuation helicopter
Club memberships may include valuable travel insurance coverages. Image Credit: Divers Alert Network.

Club Memberships

If you’re a member of any club or organization, you’ll want to ask about travel insurance benefits.

Here are just a few clubs where membership includes various types of travel insurance benefits.

Divers Alert Network — Membership is $35/year for singles, $55/year for families

  • DAN members receive $100,000 of emergency medical evacuation assistance coverage. Evacuation is covered for diving and non-diving medical emergencies when you are more than 50 miles from home.
  • Membership also includes TravelAssist, a 24/7 access to prescription assistance, medical monitoring, emergency messaging, and much more.

American Alpine Club — Membership is $80 per year and includes search and rescue insurance. The insurance applies to any land-based activity.

  • Up to $7,500 of Global Rescue Trailhead Rescue Services (available worldwide)
  • Up to $5,000 of Domestic Rescue Benefits (available in the U.S. only)

Gold Wing Road Riders Association ($55/year) and the American Motorcycle Association ($49/year)

  • Members receive FREE emergency roadside assistance and 24/7 towing up to 35 miles per disablement for their motorcycle or any motorcycle they are riding, even as a passenger.
  • Gold Wing Coverage is limited to motorcycles; American Motorcycle Association members receive coverage for motorcycles, cars, trucks, trailers and RVs.

Family Motor Coach Association — Membership costs $60/year and includes discounted worldwide travel assistance insurance plus several other travel benefits.

Hot Tip: Club memberships can include travel insurance coverage at no additional cost or at a discounted price. Checking your current memberships and seeking out organizations you can join for cost-effective coverage may result in travel insurance coverage you can use.

Medicare Supplements and Advantage Plans

With rare exceptions, Medicare does not extend coverage to another country outside the United States. However, some supplement and advantage insurance plans do include coverage when traveling.

These supplemental policies, called Medigap plans, pay 80% of medical emergency care outside the U.S. after a $250 deductible. The expense must not be covered by Medicare, and it must be incurred within the first 60 days of your travel. There is also a lifetime limit of $50,000.

Medigap plans C, D, F, G, H, I, J, M, and N contain this coverage. Visit for a complete explanation of the coverage and information on out-of-country coverage for Medicare Advantage plans.

Remember, these are plans that you purchase in addition to your base Medicare Plans A and B. Medicare does not cover you out of the country except in rare circumstances detailed here.

Bottom Line: It’s important to know the travel insurance coverages you have currently, as you may save money not duplicating those coverages when purchasing a travel insurance policy. You’ll also want to be able to take advantage of and use these existing coverages if you experience a covered event. 

Under water scuba diver
It’s a good idea to purchase travel insurance if you participate in adventurous activities while traveling. Image Credit: SCDiving.

Where to Buy Travel Insurance

All insurance companies are rated based on their financial stability; A.M. Best is the oldest, most recognized provider of ratings in the global insurance industry. We’ll include only those companies with excellent or above ratings.

Before we discuss specific travel insurance companies, however, we’ll cover a few great travel insurance comparison sites that can help narrow your choices before selecting a specific company and travel insurance policy.

Travel Insurance Comparison Tools/Websites

Purchasing travel insurance is a balancing act between getting the coverage you need without spending above your budget. That’s why comparison sites can ease the pain of searching hundreds of policies and dozens of companies individually.

Another benefit of using these sites is that your information is entered just once, and their search engines will quickly find the best fit for your budget and coverage requirements.

Here are 3 comparison sites to help you get started:

1. (recommended)

  • Easy-to-use online comparison tool
  • Instant coverage
  • Best price guarantee; this means you won’t find a lower price anywhere else for a plan that’s found on

2. Squaremouth

  • Award-winning customer service team
  • 20 travel insurance companies and 116 different policies
  • Over 60,000 customer reviews

3. InsureMyTrip

  • Licensed agents to help you with questions and claims
  • 21 providers; both large and boutique highly-rated companies
  • Glossary and articles explaining coverage and plans

Once you’ve completed a few easy comparisons, you’ll have an idea of the type of policy you want, a range of costs, and what options are available.

You’ll find most of the major travel insurance providers on these comparison sites, but not all carriers participate.

Hot Tip: Don’t miss our dedicated article on the Best Travel Insurance Companies For All Travelers!

Let’s take a look at some specific travel insurance providers you’ll want to consider:

Included in the top 10 travel insurance companies by Consumer Advocate, World Nomads offers a comprehensive portfolio of travel insurance products including medical/evacuation insurance, 24-hour emergency assistance, trip delay/cancellation, and coverage for a long list of adventure activities.

There are several reasons to purchase travel insurance with World Nomads.

  • Backed by established, reputable, highly-rated companies such as AIG Insurance Company, Lloyds, and Nationwide Mutual Insurance Company
  • Understand world travel and the associated risks
  • Single-trip, multiple-trip, and annual policies are available
  • Good for active travelers, as most activities/sports are covered
  • Plans include standard to comprehensive coverages
  • Ability to purchase or extend coverage while traveling
  • Available for travelers through age 69

Sample Pricing

Length of TravelCountry/CountriesPricing for Standard and Explorer-level plans
1 weekSingapore$88-$107
4 weeksAsia and Europe$117-$171
1 yearAsia, Europe, South America, Canada, Mexico, Caribbean$1,275-$1,618

Click to get a quote with World Nomads >>

Hot Tip: If you participate in sports and adventure activities when traveling (even dangerous ones), World Nomad’s travel insurance is a perfect fit with over 150 travel activities covered.

Travel Insurance example
GeoBlue offers affordable medical travel insurance for travelers. Image Credit: GeoBlue.

Travelex/Berkshire Hathaway Travel Insurance — Family Protection for Children at No Extra Cost

The family Travel Select plan covers children 17 and under for no additional cost. This comprehensive plan includes protection for trip interruption/cancellation/delay, medical and evacuation, baggage and personal effects, and travel assistance. For more information check out our Travelex review.

GeoBlue — Affordable Annual Medical Travel Insurance

If you currently have health insurance that does not cover you outside of the United States, you’ll find GeoBlue an affordable option for medical coverage while you’re traveling.

Their Trekker Choice policy covers unlimited international trips up to 70 days in length for a 12-month policy period. The cost for an annual plan for a 40-year-old was $175 for the Trekker Choice policy, but even less expensive plans are available!

USAA — Travel Insurance for Military and Families

Active military, their families, and post-military USAA members receive exclusive rates for travel insurance that includes these coverages. Children are included on most plans at no additional cost.

  • Lost/delayed baggage
  • Trip delays
  • Trip interruption/cancellation
  • Trip interruption/cancellation due to accident or illness
  • Medical expenses
  • Interruptions due to weather
  • Emergency assistance and evacuation
Travel Insurance example
Total cost for an annual travel insurance plan from Allianz. Image Credit:

Allianz — Affordable Annual Travel Insurance

With nearly a dozen awards so far in 2018, highly-rated Allianz is a trusted company in the travel insurance arena.

I was particularly impressed with their annual travel insurance policy offerings that are surprisingly affordable. The prices listed above are for an annual policy for travelers ages 30-80, and it covers unlimited trips of 45 days or less during the 12-month period.

It’s not just a medical policy either. In the top 2 plans above you’ll find trip cancellation/interruption, change fee coverage, collision damage waiver, and even business equipment coverage.

For coverage details and a specific quote, visit their website.

Expedia — An Impulse Buy You Can Prepare For

Expedia is the world’s leading travel provider, so a mention of their Expedia® Package Protection plan seems appropriate.

Pricing varies from $49 per person for travel within the continental U.S. to $89 per person for multiple international destinations.

The trip insurance includes trip cancellation/interruption coverage even for bad weather, mechanical failure, or strike. Medical emergencies/transportation and lost/stolen baggage coverage are also included. You can review details and additional coverages here. You may only purchase the package at the time of booking.

Before purchasing the Expedia Package Protection plan, you should price and compare a policy from one of the major providers. You may be able to find more coverage for a lower cost.

Other Travel Insurance Companies

The U.S. Department of State publishes a list of travel insurance companies that provide coverage overseas; you can access it here.

Hot Tip: Some travel insurance policies require you to be outside the United States for coverage, but others will cover you as few as 50 miles from home. Since travel insurance is widely available (and in many cases affordable), it may make sense to purchase a policy for medical and other valuable coverage even if you’re traveling domestically. 

Single/Multiple Trip Policies vs. Annual Policy: Which Is Better?

Single Trip Policies

  • If you take 1 major trip annually, purchasing a single trip policy is the way to go. If it’s a trip you put together yourself, utilizing one of the providers mentioned in this article to purchase an individual travel insurance policy can be a simple solution and cover your trip appropriately.
  • If your trip is a packaged tour, there’s nothing wrong with selecting insurance offered by the tour provider, but arm yourself first by doing some research. You’ll want to be sure you’re not overpaying, and that you’re purchasing travel insurance coverages that take care of your personal concerns, not just those of the tour provider.

Multiple Trip or Multi-Destination Policies

  • If you’re taking 2 trips a year, you can purchase a separate policy for each trip. If you’re taking 3 or more trips, you should consider an annual policy.
  • If you’re going on an extended trip and visiting several countries (say 3 months in length), companies such as World Nomads can issue a policy that covers your entire trip.

Annual Policies

  • Taking a year off and traveling the world or just taking frequent international trips? You may want to consider a comprehensive annual travel insurance policy that covers multiple trips.
  • Pricing can vary widely, so it’s important to compare prices and select the coverage that’s most important to you.

Hot Tip: The best way to determine if a multiple-trip or annual travel policy is better is to simply price each option, compare coverage, and review any terms/conditions. You may find that insuring 2 or 3 trips could cost as much as an annual trip insurance policy. 

Travel Insurance for Special Situations

Travel Insurance for Seniors

In your late 60s, your options for purchasing travel insurance start to diminish (but they don’t disappear!). There are still several travel insurance companies where you can purchase great coverage.

  • Allianz and Berkshire Hathaway each allowed me to quote a policy up to age 99
  • GeoBlue medical travel insurance covers through age 84
  • “Silver Nomads” age 70 and above can purchase coverage with World Nomad partner TripAssure

Special Needs and Travel Insurance for Those With Disabilities

If a person is healthy enough to travel, they’re usually able to purchase travel insurance from many providers.

Allianz Global Assistance comes highly recommended by Wheelchair for travelers with disabilities. Their policy for a 45-year-old traveling on a 2-week trip costing $2,200 quoted between $76-$143 depending on the coverages I selected.

Group Travel Insurance

When you have 10 or more travelers in a group, you might consider group travel insurance as an affordable option.

For a group of 10 traveling to Mexico for a 2-week trip that cost $2,200 per person, the lowest quote according to a search on was $838, or $83.80 per person.

Coverage per person included:

  • Trip cancellation ($2,200)
  • Trip interruption ($2,200)
  • Good medical coverage ($20,000)
  • Good medical evacuation coverage ($100,000)
  • Trip delay ($150/day $500 max)
  • Baggage delay/personal effects ($700)

Pet Travel Insurance

If you’re a traveling pet owner, you’ve probably considered insuring your pet during your travels.

While some travel insurance policies include coverage for pets, separate policies for medical/veterinarian care for your pet can also be purchased.

Here are a couple of options for purchasing pet insurance that cover your pet while traveling.

  • PetPlan – PetPlan insurance covers your pet in the United States and Canada and costs as little $8/month for $20,000 in annual coverage.
  • Travelex Travel Max – The policy provides $1,000 in emergency medical treatment for your pet. If you are hospitalized while traveling and cannot take care of your pet, the policy will also pay to return your pet back home (up to $10,000).

Final Thoughts

Insurance is an intangible; we can’t see it or hold it in our hands. Unless you have a claim, you’re simply buying the peace of mind that comes from knowing you’re covered if things go wrong.

Travel insurance is a bit different than home or auto insurance, however — if you travel frequently, you know it’s common to experience delays, illness, lost baggage, and other travel disruptions where travel insurance could be useful.

Insurance is meant to protect you from disaster and major financial setbacks. Insuring yourself against losing money on an expensive trip or having a major medical event when traveling makes sense, especially since travel insurance is widely available and affordable.

Whether you should purchase travel insurance will depend on your risk tolerance level for what you could lose personally if things go wrong during your travels.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our Medical & Legal Disclaimers.

Frequently Asked Questions

How does travel insurance work?

When you plan a trip, you have to pay upfront for expenses such as airfare, hotels, cruises, and other related travel expenses. Travel insurance pays you money if there is a covered event that disrupts your trip.

For example, if you paid for a packaged tour but you became sick and unable to travel, travel insurance could reimburse you the cost of the tour and other covered expenses.

Travel insurance can also cover unexpected expenses you incur when your trip is interrupted due to cancellations, weather delays, or illness.

You can purchases policies that cover a variety of events such as lost/stolen baggage, medical emergencies, trip cancellation, trip delays and medical evacuation.

Can I insure my trip if I used frequent flier miles to purchase it?

Yes, you can. Most trips have extra associated costs even if you’re using frequent flier miles. You may incur taxes, seating upgrades, change fees, non-refundable lodging, and other associated costs.

When you insure your trip, you do not include the value of the frequent flier miles you used to purchase the trip, but any other non-refundable costs can be used to value and insure the trip.

Is travel insurance worth it?

There are several situations where you may not need travel insurance. If you are traveling domestically, purchased a cheap ticket, and have health insurance that will cover you, you probably do not need travel insurance.

Additionally, if you used frequent flier miles for your flight, points for your hotel, and are traveling domestically, you may not need travel insurance.

If you’re traveling internationally and you’ve paid for a lot of non-refundable travel expenses up front, you would want to purchase travel insurance.

This is because your health insurance may not cover you abroad, and you’d want to be protected. You also have significant funds at risk should you become ill and not be able to travel.

How much does travel insurance cost?

You can purchase travel insurance for as little as $25 for just basic coverage. The more coverage you want and the longer the length of coverage, the more it will cost.

Several factors go into determining the premium you will pay: your age, where you’re traveling, where you live, how long you’ll be traveling, which coverage you select, the amount of coverage you want, and which company you purchase the policy from.

Does travel insurance cover terrorism?

Yes, terrorism is covered under trip interruption/cancellation on many travel insurance policies. There can be stipulations for coverage, including that the event must be declared terrorism by local government or by the U.S. Department of State.

Additionally, there may be requirements that there has been no terrorism in the area for a specific period of time (7-30 days prior, for example).  Basically, if there has been ongoing terrorism and you travel there, coverage may be excluded.

Does AAA sell travel insurance?

Yes, AAA sells travel insurance for trips booked through AAA. When you book a trip with their travel agency, you will be offered travel insurance to cover your trip.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.


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