Travelex Travel Insurance Coverage Review – Is It Worth It?

When you’re ready to purchase travel insurance, you’ll have a nearly endless selection of companies from which to select. You can begin, however, by narrowing your choices to those companies that are highly rated by respected insurance financial rating companies, such as A.M. Best.

One such travel insurance company is Travelex Insurance Services (TIS). TIS and its underwriter, Berkshire Hathaway Specialty Insurance Company, both receive high A++ financial ratings by A.M. Best.

TIS was founded and makes its current home, in Omaha, Nebraska. The company was born when it was part of the insurance giant Mutual of Omaha Companies, then was subsequently purchased by the prominent currency exchange company, Travelex. While the company still bears the name, Travelex Insurance Services is no longer affiliated with Travelex Currency Services, Inc.

TIS is now owned by an Australian company, Cover-More Group, which facilitates the offering of TIS insurance products worldwide.

Now that we established TIS’s solid reputation, we can move on to discover if TIS offers a travel insurance policy that will appropriately cover your specific travel loss concerns at a price that delivers good value.

In this article, we’ll offer our take on the types of policies the company offers, how it handles COVID-19-related events, and let you know how to obtain a quote. We’ll also compare Travelex with other travel insurance companies and with the coverage that comes on your credit card.

Before we start on TIS’s offerings, let’s talk briefly about why you would want to consider purchasing travel insurance.

Why Purchase Travel Insurance

Travel insurance, like other insurance, protects your personal investment from loss due to unforeseen circumstances. The greater the amount of money you have at risk, the more economic sense it makes to purchase travel insurance.

Travel insurance can also provide peace of mind. You can enjoy planning a trip and taking the journey knowing that you are protected should a covered event cause a trip cancellation or disruption.

You may want to consider purchasing travel insurance in the following situations:

• Your trip involves several non-refundable deposits that would be at risk should your trip need to be canceled
• Your health insurance will not cover you during your travels
• If your only health coverage is Medicare that will not cover you abroad, except in rare circumstances
• You’re traveling to a remote area where, if you become ill or injured, you would need to be evacuated
• Your trip is expensive and you would lose a lot of money should you have to cancel or have a disruption during the trip
• Your itinerary is complicated and involves several different travel providers such as airlines, hotels, tour operators, guides, ground transportation, etc.

Bottom Line: Travel insurance is not necessary for all trips but if you have a significant investment at risk or you’re concerned about having medical coverage while traveling, it’s prudent to purchase a travel insurance policy. 

Travel Insurance and the COVID-19 Virus

If you’ve had to cancel a trip due to a fear of contracting the coronavirus or your destination has become inaccessible, you’ve probably wished you had purchased travel insurance.

It may be surprising, but travel insurance does not cover trip cancellations due to these reasons. Travel insurance is meant to cover unforeseen events, so once coronavirus (COVID-19) became a pandemic, it was a known event so insurance no longer applied. Think of the situation similar to buying hurricane insurance after a hurricane has been sighted — it’s not possible.

While Travelex, like other travel insurance companies, does not cover voluntary trip cancellation due to the fear of getting COVID-19 (or any other illness), there are cases where COVID-19-related claims can be covered.

Here are some situations where Travelex could cover a loss due to the virus:

• You become ill with the virus before traveling and need to cancel your trip (trip cancellation/interruption coverage)
• You become ill while traveling and need to be evacuated (emergency evacuation)
• A non-traveling family member or key business partner becomes ill and you must cancel your trip (trip cancellation/interruption coverage)

If you think you might have to cancel a trip, you could purchase Cancel for Any Reason insurance (CFAR) which allows you to cancel for any reason you feel is necessary. Travelex offers CFAR coverage on its Travel Select plan for an additional fee.

To find additional travel insurance options that include Cancel for Any Reason insurance, you can use sites such as InsureMyTrip, TravelInsurance.com, and AardvarkCompare which compare several travel insurance policies that offer the coverage.

Hot Tip: If you reschedule a trip due to COVID-19, or other illness, and have purchased a travel insurance policy for that trip, you may be able to move the coverage to the new trip. Travel insurance companies, including Travelex, have become flexible in this respect. In some cases, you may also have the option of a refund. 

Types of Policies Available With Travelex

Travelex offers 3 core types of policies: comprehensive plans that cover single trips, plans that cover flight-related losses, and a primary medical plan. For each of the trip policies, you’ll find basic to comprehensive coverage options.

Let’s take a look at the types of coverage you can expect to find on each plan.

Single Trip Insurance Policies

The example above depicts coverage with 2 available plans for a $2,000 international trip and a third plan that would cover domestic trips, for illustration purposes. Let’s look at the key coverages for each plan.

Travelex’s most comprehensive trip policy, Travel Select, offers the following coverages. Terms and conditions apply.

• Trip cancellation, interruption, and delay
• Baggage insurance
• Emergency medical and dental
• Emergency medical evacuation
• Pre-existing condition exclusion waiver included if purchased within 15 days of initial trip deposit
• Financial default coverage is included if the policy purchased within 15 days of the initial trip deposit
• Children 17 and under are covered for no extra charge
• Option to add additional medical and sports adventure coverage as well as car rental insurance, Cancel For Any Reason coverage, and a higher accidental death/dismemberment limit

You’ll have the opportunity to review the exact coverage limits and the terms and conditions prior to purchasing.

The Travel Basic trip policy offers the following:

• Trip cancellation, interruption, and delay
• Baggage insurance
• Emergency medical and dental
• Emergency medical evacuation

The following coverages are also included in the Travel Basic plan when the policy is purchased within 15 days of your initial trip deposit.

• Cancel for Work Reason coverage
• Financial default coverage
• Pre-existing medical condition exclusion waiver

Finally, the Travel America plan is a comprehensive option that can be purchased to cover domestic trips within the 50 United States of 14 days or less.

With similar coverage to the Travel Select plan, one noticeable difference is that the Travel America plan offers secondary emergency medical coverage versus primary.

Kids are included in coverage for no extra charge, but coverage limits do apply and are shared with other travel companions (up to 7).

Also included in the Travel American plan is coverage for your pets.

To insure an eligible trip, the Travel America plan costs just $60, regardless of the traveler’s age.

Travel Basic, Travel Select, and Travel America plans are single-trip policies. Travelex does not offer annual multi-trip policies.

The policies above were quoted on the basis of a trip costing $2,000. Actual coverage limits will be based on your actual total trip costs.

Hot Tip: Did you know that your credit card may already come with some insurance benefits? Explore the best credit cards for trip cancellation, delay, and baggage insurance.

Flight Insurance Policies

You’ll have 2 options for purchasing flight insurance. Flight Insure and Flight Insure Plus plans offer primary flight insurance that comes with flight-related coverages.

The best plan, Flight Insure Plus, offers the following benefits.

• Accidental Death and Dismemberment, up to $1,000,000
• Trip delay coverage up to $100
• Baggage and personal effects up to $1,000
• Baggage delay of up to $500
• Emergency medical and dental up to $10,000
• Emergency evacuation up to $100,000
• Travel assistance and concierge service 24/7

One coverage notably absent from the flight insurance policies is the lack of coverage for flight cancellation. Plus, the basic Flight Insure plan does not cover baggage, medical and dental coverage, or medical evacuation. It is basically an Accidental Death and Dismemberment policy with a $100 trip delay benefit.

Post-departure Medical Plan

If you’re looking for essential medical coverage during your travels, Travelex offers Travel Med, an affordable primary medical plan that will cover you for up to 30 days.

All of the international travel insurance policies offered by Travelex have primary coverage, which means you do not have to file a claim with other insurance first. Also, none of its trip policies have deductibles that need to be paid for coverage to apply. Add-on coverage such as car rental insurance may have deductibles.

Bottom Line:

Travelex offers 3 levels of single-trip travel insurance policies, 2 flight insurance policy options, and a medical plan. International single-trip plans provide primary coverage that does not require you to file a claim with other insurance first. Also, none of the base policies have deductibles on core coverages. Add-on coverages may have deductibles.

How To Obtain a Quote

Trip Insurance or Flight Insurance

Trip insurance pricing can be based on several factors including the age of the traveler, state of residence, and the total cost of the trip.

Let’s look at a simple example of 1 traveler, 40 years of age for a trip to Mexico costing $2,000, with the traveler residing in Michigan.

To obtain a fast and easy quote via Travelex, just enter your destination, the total cost of your trip, the dates you’re traveling, your state of residence, the date of your first trip deposit, and your age. It’s as simple as that.

Once you’ve entered the basic information, you’ll receive an instant quote for the single-trip policy options that apply. You can then choose optional coverages, higher coverage limits, or additional quotes for medical or flight insurance.

Simply select the policy you prefer, review the actual policies documents provided, and proceed to purchase your policy.

Selecting and purchasing a policy is also risk-free as you will then have 15 days to review the policy and determine if it meets your needs. If not, you can cancel and receive a full refund.

Bottom Line: Securing a quote, selecting a policy, and then purchasing coverage with Travelex is a very simple process. After purchase, you’ll have 15 days to review the policy and decide whether to keep it. If not, you can request a refund for the entire amount. 

How Travelex Compares — Summary

Let’s reflect on what we know so far — Travelex is a financially stable company offering competitive single-trip travel insurance policies that can cover the entire trip, the flight experience, or stand-alone medical coverage.

What we don’t know at this point is how Travelex policies compare with the coverage that comes with a premium travel rewards credit card or with other insurance companies.

Let’s take a look at how Travelex compares and whether purchasing travel insurance through Travelex is worth it.

Travelex vs. Credit Card Travel Insurance

If you have a credit card with travel insurance, it is not meant to replace a comprehensive travel insurance policy but it may provide enough coverage for an average trip.

Let’s look at how the best Travelex trip policy compares with the travel insurance that comes with a premium travel rewards card such as The Platinum Card^® from American Express or the Chase Sapphire Reserve^®. Make note that enrollment may be required for some American Express benefits below, so be sure to enroll through your American Express online account.

Trip Insurance

We’ve selected 2 of the top premium travel rewards cards offering travel insurance. Although premium travel rewards cards do charge a high annual fee, there is no extra charge for the travel insurance benefits that come with the cards.

While it may appear like you’re receiving a lot of coverage on the premium travel rewards cards, there are 2 key reasons that purchasing the Travelex trip insurance, or other comprehensive travel insurance, is a desirable option.

First, the coverage that comes with your credit card is generally secondary to other insurance. This means you will need to deal with travel providers or other insurance first, then with the credit card’s third-party administrator if you have a claim. With Travelex, you’ll be dealing directly with the insurance company.

Additionally, the Travelex Travel Select policy offers superior medical coverage. You won’t find meaningful medical coverage, other than a rare minimal limit, on any credit card.

One downside is that you would need to purchase a Travelex policy each time you travel to ensure you have coverage. This may not be an issue if you travel on just 1 or 2 major trips each year.

Bottom Line:

The Travelex Travel Select policy is a good option if you are concerned about having medical coverage during your travels. It is also a good choice if you want to have primary travel insurance versus secondary travel insurance coverage that can come with credit cards.

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Platinum Card^® from American Express

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The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. 

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Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

 

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment (airline credit, Uber Cash and Uber One, Resy, Saks Fifth Avenue credit, lululemon credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR+ credit, and Equinox credit)
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts and Amex International Airline Program
• Access to Amex transfer partners
• No foreign transaction fees (rates and fees)

 

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

 

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• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
• $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
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Chase Sapphire Reserve^®

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A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

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Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

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Annual Fee

$795

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19.49% - 27.99% Variable

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Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

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• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

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• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
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Flight Insurance

Let’s look at the cost and coverage of purchasing flight insurance via Travelex and how it compares with the coverage that comes with a premium travel rewards credit card.

Travelex offers 2 options for insuring your flight — the Flight Insure Plus plan at $39 or the basic Flight Insure plan at $17.

Let’s compare coverages on these Travelex flight insurance plans with the coverages that come complimentary on the Amex Platinum card and Chase Sapphire Reserve card.

* These coverages are not included in the basic Flight Insure plan ($17).

There are very few advantages to purchasing flight insurance with Travelex, especially its basic plan that only offers AD&D and $100 in trip delay coverage. Also, neither the Flight Basic nor Flight Insure Plus policies come with flight cancellation/interruption coverage.

The travel insurance coverage that comes with premium travel rewards cards could be sufficient for most trips, except if you need more than $10,000 of medical coverage. You would fare better purchasing the stand-alone Travelex Travel Med policy, for as little as $30, versus flight insurance for medical coverage.

Bottom Line: The coverage that comes on premium travel rewards credit cards could be sufficient to provide coverage for most trips versus flight insurance with Travelex. One exception to this is limited medical coverage which, if important, can be obtained by purchasing the Flight Insure Plus plan or Travel Med plan with Travelex. 

Travelex vs. Travel Insurance Companies

To compare TIS to other travel insurance companies, we obtained a quote for a 40-year-old traveling to Mexico for a week on a trip that cost $2,000. Policy prices are based on the age of the traveler(s), the total cost of the trip, and the state/country of residence.

We began by utilizing InsureMyTrip, a site that compares dozens of travel insurance companies and hundreds of policies.

The following coverages were included in the comparisons:

• Trip cancellation $2,000
• Trip interruption $3,000
• Pre-existing conditions waiver
• Travel delay and baggage delay
• Cancel for work reasons coverage was included on the AIG quote

The Travel Insured International policy included evacuation insurance up to $1,000,000 while the other 2 quotes, were $500,000. Both the Travelex and AIG policies included up to $50,000 in medical coverage while the Travel Insured International policy included up to $100,000. Higher medical limits were available with the Travelex policy for minimal cost.

Let’s look at another comparison from Squaremouth, another popular travel insurance comparison website:

We found similar coverage results via Squaremouth with the exception of medical coverage. The Travelex policy had just $50,000 in coverage while Tin Leg and Seven Corners had $500,000 of coverage included. A medical upgrade to $100,000 was available for $13 on the Travelex policy.

As you can see, it pays to compare coverage with other travel insurance companies to personalize your policy coverages and find the best deal for you.

Bottom Line: The Travel Select insurance policy offered by Travelex, as priced in our limited sampling, held its own competitively against other travel insurance companies with similar products for the same trip. However, in general, the policy as quoted offered less medical coverage overall and lower emergency medical evacuation limits. On the plus side, higher medical limits could be added to the Travelex policy for just $13 more in premium. 

Final Thoughts

Travelex Insurance Services is a stable, financially viable company that you can depend on for your travel insurance needs. Its Travel Select product, the best of its policy offerings, is competitively priced and has all the coverage you need to be protected during your trip.

One downside is that TIS does not offer a multi-trip or annual travel insurance policy option — a popular choice for those who travel frequently.

If you have a family, the Travel Select policy can be a good option as children 17 and under are covered for no extra charge. Also, a note for seniors — we were able to obtain a quote for a traveler up to 100 years of age.

When we look at how Travelex flight insurance compares, we can find the same, or better, coverage on premium travel rewards credit cards. One exception to this is medical coverage. If you are concerned at all about being covered for medical when traveling abroad, you should purchase travel insurance.

And speaking of medical coverage, don’t ignore Travelex’s stand-alone Travel Med policy with a premium of as little as $30 covering your entire trip.

There is one final advantage of purchasing primary travel insurance coverage with a travel insurance company such as Travelex. You will not have to file a claim with another insurance company first or deal with the credit card company’s third-party claims administrator before coverage kicks in.

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.