40m yachts for sale

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Yachts for Sale 40m Yachts

Welcome to our curated selection of yachts, sorted by size. Explore our collection of vessels approximately 40m in length. Each listing offers a unique opportunity to discover the perfect vessel tailored to your specific needs and preferences. Can’t find what you are looking for? Get in touch with a member of the team to pair you up with your ideal vessel.

Inquire About 40m Yachts

View yacht SONG OF SONGS, available for sale

SONG OF SONGS , yacht for sale

View yacht IRAMA, available for sale

IRAMA , yacht for sale

View yacht Project STEALTH, available for sale

Project STEALTH , yacht for sale

View yacht IRAKLIS L, available for sale

IRAKLIS L , yacht for sale

View yacht SHEERGOLD, available for sale

SHEERGOLD , yacht for sale

View yacht ALIA, available for sale

ALIA , yacht for sale

View yacht No Name, available for sale

No Name , yacht for sale

View yacht FORTITUDE, available for sale

FORTITUDE , yacht for sale

View yacht DEFIANT, available for sale

DEFIANT , yacht for sale

View yacht GOLDEN HORN, available for sale

GOLDEN HORN , yacht for sale

View yacht Legacy Superyacht, available for sale

Legacy Superyacht , yacht for sale

View yacht ABILITY, available for sale

ABILITY , yacht for sale

View yacht OCEAN PEARL – Fractional Ownership Vessel, available for sale

OCEAN PEARL – Fractional Ownership Vessel , yacht for sale

View yacht Dynamiq GTT 135, available for sale

Dynamiq GTT 135 , yacht for sale

View yacht Flagship Super Yachts 134′ SD, available for sale

Flagship Super Yachts 134′ SD , yacht for sale

View yacht NORTHERN ESCAPE, available for sale

NORTHERN ESCAPE , yacht for sale

View yacht SEAGREEN, available for sale

SEAGREEN , yacht for sale

View yacht KASHMIR, available for sale

KASHMIR , yacht for sale

View yacht ELLEN, available for sale

ELLEN , yacht for sale

View yacht VAY, available for sale

VAY , yacht for sale

View yacht Sea Hunter, available for sale

Sea Hunter , yacht for sale

View yacht PHOENIX, available for sale

PHOENIX , yacht for sale

View yacht ROGUE, available for sale

ROGUE , yacht for sale

View yacht TAYRONA, available for sale

TAYRONA , yacht for sale

Can't find what you're looking for contact a broker for information about off-market yachts for sale., yachts by length.

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CLASSIC 40M BENETTI Motor yacht for sale

A handsome yacht with a first-class pedigree, CLASSIC 40M BENETTI is a 39.5m (129.5ft) tri-deck motor yacht constructed in steel with aluminium superstructure and delivered by the renowned Italian shipyard in 1970. Her long-standing owner has kept a tight maintenance schedule, ensuring that each winter the yacht is refitted and refurbished as needed.

Exterior design details include a graceful sheer line and bow profile, a classic canoe stern, full walkaround sidedecks on two levels and traditional varnished teak capping rails. Covered companionways on the main deck feature Benetti’s signature sculpted mullions.

The sun deck has L-shaped sofa seating and a huge expanse of sunpads with partial shade from a fixed awning and exercise equipment forward either side of the funnel. There is another large sunpad forward on the bridge deck and steps down to cushioned seats overlooking the foredeck.

She has a spacious bridge deck aft with shaded open-air dining beneath the sun deck overhang and a sun lounge with a sofa, armchairs and a coffee table opposite two sun loungers. There’s a sociable seating area aft that serves as a second open-air dining option with a U-shaped banquette, folding armchairs, a large high-gloss varnished table and a folding canvas bimini.

The main deck aft has four large rattan armchairs around a coffee table in ample shade. Inside, her interior decor is traditional, with finely crafted features. The main deck saloon has a large lounge area aft with L-shaped sofas and two armchairs and forward is the formal dining area with an eight-seat table. The sky lounge has a large sofa facing aft, looking through double doors opening onto the upper aft deck.

Welcoming up to eight guests in four cabins with seven crew, CLASSIC 40M BENETTI offers 267GT of internal volume. The guest accommodation is arranged across two decks. The owner’s suite is forward on the main deck, has an office desk and a 10sqm (108sqft) walk-in wardrobe. The en suite has a bathtub as well as a shower. The other guest cabins are on the lower deck, comprising a full-beam VIP double forward and two twin cabins that each have extra pullman berths.

This twin-screw yacht is powered by twin 624hp Caterpillar diesel engines with low engine hours. Her top speed is 13.7kts and she cruises at 11.5kts with a maximum range of 3,600nm.

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Key features

• Steel hull and Aluminium superstructure
• Classic yacht with canoe stern
• Lovingly maintained and refitted
• Cruising ready

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Westport 130 | 40M

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Westport 130 Yachts for Sale

Westport 130 : a favorite tri-deck motor yacht among yachting enthusiasts.

The 130-foot (40m) tri-deck motor yacht from American yacht builder Westport offers the quality, technology and reliability that yacht owners and enthusiasts have come to expect from the premier leader in American boat building. The Westport 130 features exterior styling by Westport and naval architecture by William Garden. Westport debuted its 130 at the 2001 Fort Lauderdale International Boat Show. Since then, the yacht’s striking and modern profile and elegantly laid-out interior ensured that this 130-foot tri-deck motor yacht is a favorite in her size range on the market. The Westport 130 has stood the test of time due to the impressive level of comfort and timeless style. All of these exceptional attributes are backed by Westport’s top level of support and service available worldwide. The 130 Westport features exemplary technology and was built using contemporary construction techniques. The Westport 130 price confirms her exceptional level of performance and luxury. Westport 130 yachts for sale also benefit from high resale values due to their premium standard features.

Westport 130 Superyacht Overview

The Westport 130 (40m) features a 26-foot (7.98m) beam and a draft of six feet, six inches (1.9m). Luxury yachts in the Westport 130 series feature top speeds of 24 knots and cruising speeds of 20 knots. The Westport 130 yacht for sale is powered by twin MTU 16V2000 engines and two 99kW generators. The model’s displacement is 455,000 pounds. The Westport 130 is a composite hull that offers excellent performance, speed, range and handling. Yachts in the Westport 130 series are built using the highest quality materials. These low-maintenance yachts promise complete comfort while aboard thanks to the standard gyro-stabilization feature.

Yacht Layout

The Westport 130’s layout is ideally suited for entertaining and socializing. Featuring a five-stateroom layout, the yacht welcomes up to 10 guests. The lower deck is home to four of the five staterooms. These staterooms comprise two mirror staterooms with king-size beds and en-suite bathrooms and two twin staterooms with en-suite bathrooms. They are connected by a foyer with stairs that leads to the main deck.

The spacious main deck is home to an on-deck master suite located forward with his-and-hers bathrooms adjoined by a shower. This space features a king-size bed, a walk-in closet, a hanging locker and a space for a sofa or settee as well as two dressers. Aft of the master suite on the main deck is a dayhead and the galley. Further aft is the indoor formal dining room and finally the comfortable and spacious main deck salon. This entire deck is flanked by windows that allow in natural light and provide exceptional views. Moving outdoors on the main deck, guests can enjoy alfresco dining with a large table for 10. This space also is outfitted by a full bar. Here a staircase leads up to the bridge deck aft and two additional staircases lead down to the yacht’s swim platform, which is an excellent place for seaside sunbathing or launching water toys.

Bridge Deck

The bridge deck aft is the ideal space for carrying tenders and toys. Further forward is a covered lounge. Moving inside the yacht, guests can enjoy the skylounge, which features comfortable seating, a full bar, an electric fireplace and a dayhead. The bridge is located forward inside. Outside forward is a space perfect for lounging on sunloungers. The sundeck of the Westport 130 yacht for sale is outfitted with a large alfresco dining table, a full wet bar, sunloungers, and a Jacuzzi flanked by sunpads.

Westport 130 yachts are both ABS-classed and MCA-compliant, further proving their strength on the charter market. They carry up to seven crewmembers, including a captain and feature an excellent layout for providing the absolute height of five-star service for guests.

Westport 130 yachts for sale are perfect for cruising with family and friends or for chartering. Westport 130 brokerage yachts for sale retain their high level of quality, are designed to stand the test of time. Northrop & Johnson yacht brokers are experts on Westport yachts for sale. For more information on purchasing a Westport 130, contact a Northrop & Johnson yacht broker today.

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Benetti Oasis 40m

Benetti oasis 40m for sale.

The Oasis 40M breaks the rules in the yachting world while respecting the “Made in Italy” elegance and tradition evoked by the Benetti name. The yacht reveals the brand’s most glamorous side, while at the same time offering an adventurous response to a new concept of life on board. Created for clients with a dynamic and informal lifestyle, Oasis 40M is a chic oasis of wellness, offering an authentic and constant connection with the surrounding environment, combined with total independence.

Over 40 metres long and made from composite materials, the Oasis 40M is powered by two MAN V12 engines and extends across four decks, with five cabins for 10 guests and four cabins for seven crew members, including the comfortable captain’s cabin.

Request the full specification of this superyacht to get all the details you might need, including accommodations, engine room, electronics, equipment and much more.

Request the layout of this superyacht to get all the details you might need, including the layout for accommodations, guest areas, crew cabins, deck spaces, engine room, and much more.

Request the brochure of this superyacht to get all the details you might need, including the layout for accommodations, guest areas, amenities, features and much more.

Standout Features

• Unique Pool & Beach Club
• Fold Out Balconies
• Full Beam Master Suite on the Main Deck

Benetti Oasis 40m Price

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Used Princess 40M Yacht For Sale

ABOUT THE 40M

After five hulls delivered, including the spectacular Anka known for her turquoise blue hull color, the Princess Yachts 40M has become a popular option for owners wanting the advantages of a production yacht with the ability for a certain amount of personalization that a custom yacht design provides. The Princess factory and its network offer confidence to buyers that not only will the re-sale value hold on their new Princess, but the dealer and service network to take care of their customer’s needs it second to none. The Princess 40M is the ideal long-range tri-deck cruising yacht for its technically advanced construction and design, luxurious interior accommodations, and the quality control that only the Princess factory in England could achieve.

SI Yachts is one of the leading Princess Yachts dealers in North America and we would be happy to work with you on finding the right vessel. If you are considering a pre-owned Princess , we can not only assist with finding potential boats on the brokerage market, but often have access to boats that are not yet listed. Email us today at [email protected] and we will connect you with one of our Princess specialists.

Interested?

Contact a SI Sales Professional to learn more about this yacht.

Princess Yachts Available for Sale

Additional princess yachts models.

SPECIFICATIONS

• Beam 26' 4"
• Draft 7' 6"
• Displacement 395,000 lbs.
• Engine Manufacturer MTU
• Fuel Capacity 6,455 gallons

Over 200,000 man hours and 24,500 square feet of composite material went into the design and build of the first Princess 40M. As with all Princess Yachts, the construction process is state-of-the-art with the finest machinery and the most skilled craftsmen in the world. The entire hull is resin-infused resulting in a strong platform, but lighter weight for better performance.

Starting at the rear of the yacht, there is a 10’ swim platform adjacent to the tender and toy garage that is cleverly known as a ‘teak beach club’. Owners have the opportunity here to use the swim platform to lounge in the sun or as a place to launch into the water with scuba gear. The garage has plenty of room for a tender, jet ski’s, diving equipment, and all of your water toys on board. Teak staircases lead up both sides from the garage to the amazing aft cockpit which features U-shaped seating with two pedestal tables for al fresco dining along with a convenient wet bar.

As you walk in through the salon, guests are welcomed with a small lobby which can make a perfect greeting area for large parties or gatherings in the salon. The beam of the Princess 40M is 26’ 4” which gave the designers the opportunity to create spacious, open rooms, but Princess took this space a step further by adding port and starboard balconies that drop down and create an outside patio literally on the side of the yacht. Adjacent to the salon seating is the formal dining area which can comfortably seat eight people. The panoramic windows in the dining space provide excellent views and there is plenty of room for serving and pouring cocktails.

Overnight accommodations on the Princess 40M will have guests never wanting to leave. The standard layout offers five staterooms each with their own en suite head that can sleep 12 guests. The owner’s suite is found forward on the main deck and stretches the entire beam. The master stateroom is almost 600 square feet and is lined with big windows and lots of room to walk around. The king-sized berth is in the middle of the room in front of a hidden flatscreen television. There are two separate heads inside the owner’s suite with separate sinks as well as a spa tub in one and a walk-in shower in the other.

Princess chose a popular propulsion package for the 40M so owners could cruise comfortably and efficiently, but also have some speed if needed. Twin MTU V12 4000 M93L 3508hp diesel engines power the 40M can cruise at 20-21 knots and reach a top-end speed of over 23 knots. When dropped down to 10 knots, owners can expect a range of over 2,000 nautical miles.

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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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Travel Insurance: What It Covers and When to Buy It

By Elaine Glusac

In the wake of Covid, travel insurance sales have spiked with the rebound in travel as people seek to protect their investments against flight delays and cancellations, extreme weather events and the persistence of the virus. But travel insurance is complicated with a range of benefits, inclusions and prices. Here’s what you need to know before you buy.

Know what’s covered

Generally speaking, travel insurance covers unforeseen events, like an illness in the family, the loss of a job or a natural disaster, that force you to cancel or interrupt a trip. It can also apply in the event of a strike at a transportation company, a terrorist attack in your destination or when your travel provider goes bankrupt. These are known as covered reasons . Most polices also include medical coverage, which is useful abroad where your health insurance may not cover you.

While policy prices vary based on age, length of travel and type of coverage, expect to pay between 4 to 10 percent of your entire trip cost to get insured.

Insure nonrefundable expenses

Travel insurance was designed to protect expenses you can’t get back any other way when things go wrong. Think of nonrefundable Airbnb reservations or the cost of a cruise to the Galápagos.

If your hotel is refundable and you can get the value of your flights back in credits, you can skip travel insurance.

Buy close to booking

Travel insurers say the best time to buy travel insurance — which usually takes effect within a day of purchase — is just after making your travel plans to have the largest possible coverage window. A lot can happen between booking a Christmas market cruise in Europe in June and going in December.

With many plans, purchasing travel insurance 10 to 14 days from your first trip payment entitles you to “early purchase” benefits such as a waiver for pre-existing medical conditions that impact travel. If such a waiver is included, it is usually prominent in a summary of benefits, so read it carefully.

“Not all plans have a pre-existing condition waiver,” said Suzanne Morrow, the senior vice president of InsureMyTrip.com , an online insurance marketplace. “If I have a heart condition and if something occurs, I don’t want it excluded, so I would need to buy a policy within 14 days of the first dollar spent.”

Hedge against the weather

You can’t control the weather, but you can insure against its unexpected disruptions. For example, if you’re ready to jump on great rates in the Caribbean during the height of hurricane season, buy your insurance immediately after booking so that if a hurricane develops and your destination is evacuated, you’ll be covered.

“That’s probably the biggest use case for travel insurance,” said Stan Sandberg, a co-founder of TravelInsurance.com , an online marketplace. He counsels travelers to buy early — if you wait and the storm is named it will be too late to insure against it, because it is no longer an unforeseen event.

Similarly, with winter travel, if you’ve purchased nonrefundable ski lift tickets and a storm prevents you from reaching the resort, you may be able to claim the unused portion of your ski pass.

This coverage may prove more valuable as climate change exacerbates weather events like hurricanes and tornadoes, which are considered “natural disasters” and are covered by most policies.

Pick up the phone

With the proliferation of automated insurance offers when you buy airline tickets or tours, travel insurance can feel like a one-size-fits-all product. It is not. Many policies, for example, exclude extreme sports like skydiving and mountain climbing, though there are specialty policies that include them.

If you have a specific concern — a family member is sick or you’re going heli-skiing — the best way to know if a travel insurance policy will cover you is to call an insurer or the help line at a travel insurance marketplace to get advice.

“Tell them the what-if scenario and then you can get professional and accurate advice,” Ms. Morrow said. “Thinking you’re covered and then having your claim denied is salt in the wound.”

Travel insurance does not cover ‘unpleasantries’

What if you’re dreading spending a week in an un-air-conditioned rental in England during a heat wave and decide you don’t want to go? Most standard travel insurance will not cover a change of heart.

“Travel insurance doesn’t cover you for unpleasantries,” said Carol Mueller, the vice president for strategic marketing at Berkshire Hathaway Travel Protection.

A policy upgrade, Cancel for Any Reason coverage, which is not available in every state, will cover a change of heart, usually up until a few days before departure. Most only reimburse 50 to 75 percent of your costs and the purchase must be made within weeks of your initial trip payment. It will bump your insurance premium up 40 to 50 percent, according to the insurance marketplace Squaremouth.com , which only recommends C.F.A.R. for travelers with specific concerns not included under covered reasons for trip cancellation.

A relatively new twist in trip protection, Interruption for Any Reason , works like C.F.A.R. in that it reimburses a portion of your expenses and can be invoked if you decide to bail while you’re on a trip for a reason that isn’t covered by standard trip insurance. Normally, you must buy it within weeks of your initial trip payment and be 72 hours into a trip before you can use it.

Keep records

If something goes wrong and you need to make a claim, you’ll need proof in the form of a paper trail. That could be receipts for clothing you purchased when your bags went missing, a hotel room required when your flight was canceled (along with flight cancellation notices from the airline) or a doctor’s note stating that you have Covid — or another illness — and are unable to travel. (With Covid, a positive test taken at home is not considered official documentation for the purposes of a claim.)

Resist pressure to buy flight insurance

When purchasing an airline ticket online, most carriers offer travel insurance to cover the cost with some version of vaguely menacing language like, “Do you really want to risk your investment?” when you decline.

Don’t fall for it. You may want to insure that ticket, but price out the policy elsewhere. A recent offer to insure a $428 flight for nearly $28 on an airline website cost $12 to $96 with a range of options at InsureMyTrip.com.

The $12 option was closest to the airline’s offer. Caveat emptor.

An earlier version of this article misspelled the first name of the senior vice president of InsureMyTrip.com , an online insurance marketplace. It is Suzanne Morrow, not Suzanna.

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When To Buy Travel Insurance and How To Best Time Your Purchase

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What Is Travel Insurance?

Benefits of buying travel insurance when you book, drawbacks of buying travel insurance when you book, pre-travel insurance benefits, how early you can purchase travel insurance, how late you can purchase travel insurance, what happens if you buy travel insurance after departure, is credit card travel insurance enough, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Timing is key when buying travel insurance. It’s best to buy travel insurance within 2 weeks of making your first trip payment . You can buy travel insurance at any time, even after departure with some travel insurance providers. Still, the coverage and policy pricing is better when you buy travel insurance shortly after booking .

The sooner you buy travel insurance, the sooner you’re covered for your travel insurance policy, whether the tour company goes out of business or you get sick before your trip.

Let’s look at the best time to buy travel insurance and the advantages you get when you purchase your travel insurance policy right after booking.

Travel insurance is a type of insurance coverage that offers financial protection and assistance when you’re traveling . Benefits often include trip cancellation, trip interruptions, medical emergencies, baggage loss or delay, and rental car coverage.

When To Buy Travel Insurance

The best time to buy travel insurance is within 2 weeks of making your first travel payment , whether that’s booking a flight or putting down a cruise deposit. Generally, any time you make a nonrefundable travel deposit, it’s a good idea to get travel insurance shortly thereafter. 

For example, you should get travel insurance after you buy nonrefundable airfare, or when cancellation penalties kick in for cruises or tours.

Buying travel insurance shortly after booking gives you immediate coverage for your nonrefundable travel expenses . While you don’t have to get travel insurance right at the booking process, earlier is better. Once you get travel insurance, you’re covered when a trip has to be canceled due to covered reasons. 

When you buy travel insurance at booking, you’ll maximize your coverage period for trip cancellation insurance. As long as your trip cancellation insurance is active, you’re covered if you need to cancel your travel due to a covered reason such as illness, injury, death of a family member, natural disaster, or job loss.

Also, your coverage options are usually better when you purchase travel insurance shortly after booking. Some travel insurance companies consider the 2 weeks after booking travel arrangements an advantage period and offer additional coverage or options during this period. 

For example, some travel insurance policies offer preexisting medical condition coverage if purchased shortly after booking. If you want preexisting medical condition coverage, you may need to purchase your travel insurance either before or within a day of your final trip payment. 

In an advantage period, insurance providers may also offer coverage for the financial default of travel suppliers and may allow you to add optional coverage such as cancellation insurance.

You also lock in pricing when you purchase travel insurance early. Your premium rate won’t increase if you’ve locked it in when you buy travel insurance. But rates could change if you wait until later to secure your travel insurance policy.

Coverage and maximum benefits aside, buying travel insurance when you book just makes sense so you don’t forget to buy it later.

Paying for a travel insurance policy at booking could strain your travel budget , as it adds another expense on top of the cost of your trip. It could be a lot to pay for at the same time as trip deposits. While you get the most value from your coverage when you buy it early, it could be easier on your budget if you wait and spread out the expense .

You’ll have to estimate the total trip cost you want to cover when you buy your travel insurance policy. If you’re not done booking everything before you buy travel insurance, you might estimate wrong. That means you could have too much or too little coverage for your actual travel costs.

When you buy travel insurance before your trip departure, you’re covered for cancellation due to covered reasons such as illness or injury before your trip, the death of a family member, job loss, or the airline or tour operator going out of business.

Timing varies between insurance companies, but you can generally get travel insurance up to 12 to 18 months prior to departure . On an annual plan, you can get 12 months of coverage before you need to renew.

You can buy travel insurance before you’ve made your final payment. Even if you’ve only made a deposit, you can enter the total trip costs when you get your travel insurance policy.

Generally, you can purchase travel insurance up to the day before your departure date, though some policies are available post-departure. When you purchase your coverage that close to departure, you generally can’t use your trip cancellation benefit. And you probably won’t be eligible for preexisting condition coverage or Cancel for Any Reason coverage . But you’ll still have the advantage of other coverages such as trip interruption and emergency medical benefits. 

It’s fine if you need to pick up travel insurance for last-minute bookings . You generally won’t pay more compared to paying weeks earlier, but you may miss out on coverage features.

Some travel insurance companies allow you to buy a policy after departure. However, your coverage will be subject to waiting periods, conditions, and restrictions. For example, you generally have to wait up to 24 hours for your plan’s trip cancellation and interruption benefits to become active.

Travel insurance is available with many credit cards, but it’s generally less comprehensive than a travel insurance policy. When you consider whether your credit card travel insurance benefit is adequate for your trip, check the coverage limits, what’s covered, and how long it’s covered.

You might not need a standalone travel insurance policy if you’re traveling domestically, have health insurance coverage at your destination, and your major costs, such as air travel and hotel bookings, are flexible or refundable.

The timing of buying travel insurance can influence the value and coverage you get from your travel insurance policy. When you buy travel insurance early, ideally at booking or within 2 weeks of your first trip payment , you’ll get additional benefits such as maximizing your trip cancellation coverage period and access to Cancel for Any Reason coverage. Read our guide to find some of the cheapest travel insurance policies available.

Getting travel insurance closer to your trip departure — or even after departure — is still an option and will offer major travel insurance benefits, but you won’t get as much coverage as you could with an early travel insurance purchase.

• Frequently Asked Questions

Is it better to buy travel insurance early or late.

It’s best to buy travel insurance as early as you can. The sooner you get travel insurance, the sooner your trip is covered, and you’ll likely be eligible for more benefits.

How far ahead should you get travel insurance?

You should get travel insurance as soon as you’ve booked travel. Generally, travel policies are available as early as 12 to 18 months before departure, but availability depends on the insurance company and policy.

Does travel insurance get more expensive closer to your trip departure date?

Don’t expect your travel insurance costs to increase or decrease as you get closer to your trip departure date. The cost of travel insurance generally stays the same no matter when you buy it, though the value differs because the later you book, the less value you’ll get.

Does it matter when I buy travel insurance?

The timing of buying travel insurance matters because the earlier you buy your coverage, the earlier your trip is protected. This early trip protection is especially important concerning trip cancellation, which reimburses your prepaid nonrefundable trip costs if you need to cancel your trip for a covered reason.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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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

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.

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

• Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

• Bottom line

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

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

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

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

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The right policy can protect your wallet, your belongings and your peace of mind..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

You might have planned your next vacation, but consider travel insurance before you start packing. A comprehensive policy can protect you if the unexpected happens before or during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, president of Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against travel risks."

A policy doesn't have to be expensive, according to Godlin, and it can add a layer of protection and security.

Getting travel insurance

How do i get travel insurance, what does travel insurance cover, how much does travel insurance cost.

There are many options in the travel insurance marketplace: Aggregator site Squaremouth lets you get price quotes from different carriers and, because it receives a commission from the insurance companies on its site, users aren't charged any additional fees.

Allianz has both single-trip and annual plans, with a Cancel For Any Reason (CFAR) policy that reimburses up to 80% of prepaid, non-refundable expenses — more than most similar plans on the market.

In addition to trip cancellation, Allianz's popular OneTrip Prime plan includes travel interruption, emergency medical care and emergency transportation. Children 17 and under are covered for free when traveling with a parent or grandparent.

AIG's Travel Guard® plans are great if you need to customize your coverage: The mid-range Travel Guard Preferred plan pays out 100% for trip cancellation and 150% for trip interruption, with up to $50,000 in coverage for medical expenses and up to $500,000 for emergency evacuation. There's even a payout of up to $1,000 if you miss your connection.

Travel Guard® Travel Insurance

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

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

If you're booking a trip with an aggregator site like Expedia , review the details of any travel policy that's offered. Plans are usually based on the elements of the trip (hotel, flight, rental car, etc.) and can differ every time you book.

Travel insurance typically costs between 4 and 10% of the overall price tag for your trip. The cost can vary:

• Plans with higher limits and more optional coverage cost more.
• A plan with a CFAR benefit can cost up to 40% more.
• Older travelers typically pay more because there's more of a likelihood of a claim being filed. 

Whichever plan you choose, read the fine print so you understand what you're paying for.

Travel insurance generally covers your expenses, your belongings and your well-being. When shopping for a policy, look for these benefits:

Trip cancellation

If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses. Covered situations can include illness or injury, the death of a family member or traveling companion, job loss, military deployment and even unplanned jury duty, according to Allianz's Daniel Durazo.

Cancellations can also be covered if a natural disaster, severe weather or airline strike prevents your carrier from getting you to your destination for at least 24 hours.

Cancel For Any Reason (CFAR) plans provide a lot more flexibility and typically reimburse 50% to 75% of your expenses. But they can bump up the cost by about 40%, said Durazo, and policyholders are still usually required to cancel no later than 48 hours before their scheduled departure. 

Trip delay 

Should you experience a hiccup in your plans, your policy can provide some relief: Food, lodging and local transportation are usually covered if a delay is due to severe weather, airline maintenance or civil unrest.

"For a traveler to be eligible, they must be delayed for the minimum amount of time listed on their policy," Squaremouth spokesperson Megan Moncrief said. "Some policies are very lenient and provide benefits for any length delay, while others list a length requirement — usually somewhere between three to 12 hours."

Daily payout limits range from $150 to $250 per traveler, Moncrief said, while the total policy limit can be anywhere from $500 to $2,000. Save any receipts to submit with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption

Should you need to cut your trip short due to illness or injury, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeited.

It may also cover the cost of a one-way economy airline ticket home.

Baggage loss

Airlines are required to compensate passengers luggage lost in transit, but a travel insurance policy may have a higher benefit limit, and cover you if your bags, passport or other possessions are lost, damaged or stolen once you've gotten to your destination., The Platinum plan from AXA Assistance USA has a $3,000 benefit limit for lost luggage, well beyond the $1,700 that airlines are required to cover on international flights. AXA has offices in more than 50 countries, with multilingual operators available 24 hours a day to help reschedule flights, book hotels and make other arrangements.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel insurance doesn't cover every loss: Cash is not reimbursable and many policies won't reimburse for expensive jewelry or heirloom items. Read your policy carefully to see what is included.

Medical expenses and emergency evacuation

If you travel within the U.S., your health insurance should cover any illness or injury you sustain. If you're traveling abroad, though, your plan may provide little or no coverage. The right travel insurance should cover doctors' fees and hospital bills, Durazo said. 

The provider can also help coordinate care and ensure you're at a medical facility that's up to U.S. standards.

An emergency medical evacuation can be a major expense, costing anywhere from $15,000 to over $200,000, Durazo added.

If you've spent money on nonrefundable airline tickets, tours and hotels, you could be at a loss if something goes awry. Travel insurance covers numerous scenarios, from a medical emergency to a tropical storm. It could be particularly useful if:

• You've spent a lot on prepaid, non-refundable expenses
• You're traveling internationally where your health insurance won't apply
• You're traveling to a remote area
• Your flight involves multiple connections or destinations

"When deciding if travel insurance is right for you, ask yourself how much you could stand to lose if you had to cancel at the last minute," said Godlin.

If you're not as concerned about risk, your credit card may offer built-in travel protection if you book with that card: Chase Sapphire Preferred® , Southwest Rapid Rewards® Plus Card and the  *American Express® Gold Card all come with trip cancellation and interruption coverage, among other benefits.

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

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℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Read our Chase Sapphire Reserve® review.

Southwest Rapid Rewards® Plus Credit Card

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

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

21.49% - 28.49% variable

Foreign transaction fees

Excellent/Good

American Express® Gold Card

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

See rates and fees , terms apply.

Read our American Express® Gold Card review .

Research your card's travel benefits before making any purchases related to your trip.

Policies vary, but most comprehensive travel insurance plans cover travel cancellation and interruption, baggage loss, medical care and emergency transportation.

While the price for coverage varies, most policies cost between 4% and 10% of the trip's prepaid, non-refundable expenses.

When should I get travel insurance?

It's best to take out a policy within days of making your reservations.

Does travel insurance cover COVID-19?

If you contract COVID-19 before or on your trip, it may be covered by your policy's trip cancellation/interruption benefit . You'll likely have to confirm your test results with a diagnosis from a healthcare provider.

Bottom line 

Travel can be a wonderful experience, but it involves a lot of time, planning and money. Missing a single connection can have a cascade effect that impacts your flight, hotel room, dinner reservations and more. A good travel insurance policy can provide peace of mind so you can focus on your vacation.

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Meet our experts

At CNBC Select, we work with experts with specialized knowledge and authority. For this story, we interviewed Beth Godlin, president of Aon, which provides custom travel insurance for tour operators, cruise lines, travel websites and others. We also spoke with former Squaremouth Megan Moncrief and Allianz communications director Daniel Durazo.

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 insurance article is based on rigorous reporting by our team of expert writers and editors . 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.

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.

For rates and fees for the American Express® Gold Card , click here .

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

9 Best Travel Insurance Companies of April 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

• Travelex Insurance Services

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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

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

AirCare Flight Insurance

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

ExactCare Travel Insurance

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

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

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

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

What does a flight insurance policy cover?

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

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

AirCare Quote

What does a travel insurance policy cover?

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

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

ExactCare quote

What is not covered by travel insurance?

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

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

For more information, please check your policy.

Is travel or trip insurance worth the cost?

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

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

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

Worldwide service and claims information.

It's easy to manage your travel insurance..

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

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

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

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

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

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

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

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

Please note:

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When to Buy Travel Insurance: Timing Your Purchase Perfectly

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• Purchase travel insurance when traveling internationally or on long and expensive trips.
• Buying travel insurance right after booking your trip is best, as some coverage options are time-sensitive.
• Cancel For Any Reason policies and coverage for pre-existing coverage require early purchase.

Travel insurance protects you against financial losses and medical emergencies while on a trip. You'll want to book travel insurance when going on long, expensive, or international trips. However, the exact timing of your purchase is also important.

Generally, you'll want to buy travel insurance soon after you book your trip to get the maximum coverage out of your policy. Here's what you need to know about travel insurance and when you should buy it.

Ideal timing for travel insurance purchase

Though you can insure your trip anytime after booking, the best time to purchase travel insurance is immediately after booking your trip.

For one, unexpected circumstances may arise between when you book your trip and when you leave. If an injury or inclement weather cancels your trip before you have a chance to purchase travel insurance, you may not get a refund. Purchasing travel insurance early reduces the chances of that happening.

Michelle Osborn, owner of boutique travel agency Outta Here Travels , says, "Most travel insurance policies have a time limit of when you can purchase to get the maximum benefits." 

It's important to note that you do not have to have every detail of your trip planned before purchasing travel insurance. Most policies are flexible, so you can add details and update your costs in the days leading up to the trip. Don't let some unplanned details in your trip prevent you from purchasing travel insurance.

Advantages of purchasing travel insurance early

When you purchase travel quickly after booking, you'll have additional coverage options.

• Purchase cancel for any reason coverage , which reimburses you for 60% to 75% of your costs if you back out on your travel plans for a reason not usually covered. CFAR policies must be purchased within 15 to 21 days of putting down the first deposit on your trip. You can find our picks for the best CFAR travel insurance here.
• Guarantee coverage for pre-existing conditions. Many travel insurers won't cover pre-existing conditions unless you purchase coverage within two weeks of booking your trip.
• Cancel your travel insurance if you're not happy with it. Most plans allow you to cancel your insurance and get a refund — as long as you do so within 15 days and your trip hasn't started.

If you cannot purchase your travel insurance right after booking, you should still qualify for a policy if your trip hasn't been canceled. Most companies allow you to buy insurance until the day of your trip. You just won't have access to CFAR or pre-existing condition coverage.

When to buy annual travel insurance 

Annual travel insurance , sometimes referred to as multi-trip insurance, covers you for all your trips over a 12-month period. This type of travel insurance may be a good option if you regularly travel for work or have a handful of trips, particularly international trips, planned for the next 12 months.

"Travel insurance should definitely be purchased anytime you travel out of the United States," Osbon says. "The main reason is most US health insurance policies don't cover treatment internationally."

You may want to buy annual travel insurance just before your first trip begins. Since these plans last 365 days, you can stretch your policy to cover the most travel. However, this may limit your coverage, so tread carefully. For example, you may not be able to get medical coverage for pre-existing conditions.

"In the case of a pre-existing medical condition, you'll need to meet a few requirements to be covered," says Jeff Rolander, director of claims at Faye Travel Insurance . "Faye's travel protection covers pre-existing conditions as long as you purchase your plan within 14 days of your initial trip deposit and are medically able to travel when you purchase your plan."

Important: Cancel for any reason coverage is not available on annual travel insurance plans. This add-on can only be purchased for single-trip policies.

When is it too late to buy travel insurance?

You should be able to purchase travel insurance any time before the date of your trip. Once the day of your departure rolls around, the window will close. You also can't purchase travel insurance during your trip or after an injury or loss has already happened.

The moral of the story: It's always better to buy sooner rather than later. 

"Right when you book your flights or hotel stay is when you should get your trip covered," Rolander says. "The sooner you buy coverage for your trip, the sooner your coverage starts."

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

When to buy travel insurance frequently asked questions

How soon after booking a trip should i buy travel insurance.

You should purchase travel insurance within two weeks of booking your trip to receive maximum benefits, especially pre-trip cancellation coverage.

Can I buy travel insurance on the day I leave for my trip?

While you can purchase travel insurance up until the day of departure, doing so may limit certain benefits. Additionally, last-minute travel insurance won't cover pre-existing health conditions. 

Does the length of my trip affect when I should buy travel insurance?

Lengthier and more expensive trips generally call for travel insurance because you have more to lose. Purchasing travel insurance earlier mitigates the potential damage of a cancellation.

What if I need to add coverage or make changes after purchasing travel insurance?

Most travel insurance policies allow for modifications or additions within a specific period after purchase, but it's important to check the policy terms.

Are there any disadvantages to buying travel insurance too early?

Purchasing travel insurance early is generally beneficial for comprehensive coverage, but you may see your premiums rise if you make significant changes to your travel plans.

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Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

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

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

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

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

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Travel Insurance for Mexico

Travel Team | Apr 12, 2024

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From delicious food to sandy beaches to historic sites, there’s something for every traveler in Mexico. But before you zip up your suitcase, you’ll want to make sure your trip is protected.

In this article, we’ll take a closer look at options for Mexico travel insurance, requirements for traveling to Mexico, and offer destination-specific travel tips so you can have a safe and relaxing experience.

Do I Need Travel Insurance for Mexico?

Insurance is not a requirement to visit Mexico; however, it is a smart idea to have! Let’s take a closer look at the reasons why you should buy insurance before your trip to Mexico.

Should You Buy Travel Insurance for Mexico?

It’s always a smart decision to buy travel insurance before your trip, especially if you’re traveling to another country like Mexico. It’s impossible to anticipate every potential mishap. The coverage you purchase can protect you — your money, your health, your belongings — when the unexpected happens.

Explain why purchasing travel insurance is recommended, even if the country readers are visiting does not require it for entry.

Mexico Travel Insurance Coverage Options

Seven Corners offers a variety of plans that meet most travelers’ needs. Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Below are some travel insurance benefits found in many of Seven Corners plans to help protect you during your trip to Mexico.

Trip Cancellation

Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason. Covered reasons can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage .

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late. If you need to interrupt your trip for a covered reason, you could be reimbursed for unused prepaid, nonrefundable trip expenses. This benefit also covers the expense of additional transportation.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, not just the covered reasons listed in your plan document. Examples include feeling unsafe at your destination and deciding to return home or move to your next destination early or simply changing your mind about travel so you end your trip early.

This benefit can cover expenses resulting from a delay, whether you’re headed to Mexico or coming home or even if you’re delayed in the middle of your trip. To be reimbursed, the delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier on your way to Mexico. Necessary personal items include things like clothing or toiletries so that you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items

For both lost and delayed baggage, it’s important to remember that some items such as laptops and jewelry may not be covered, and your luggage must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important for travelers whose domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for both U.S. and international residents.

Emergency Medical Evacuation and Repatriation

If you get sick or hurt during your trip to Mexico and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Mexico.

What Is The Best Travel Insurance for Mexico?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Mexico. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses.

Seven Corners Travel Medical Insurance provides great levels of confidence for travelers headed to Mexico whether you’re a U.S. or non-U.S. resident. These plans offer robust coverage for medical expenses if you get sick or hurt during your trip, so you can get the care you need without having to worry about how you’ll pay for it.

Finding the best travel insurance for your unique trip to Mexico is easy with our interactive guide. Answering a few simple questions will show you the best options for you and your trip. Plus, there’s no commitment or hassle when you get a quick quote. You can also contact our licensed agents for additional support, making sure you choose the best travel insurance for a Mexico vacation.

How Much Does Travel Insurance to Mexico Cost?

The cost of travel insurance varies depending on the plan you choose as well as a number of other factors. Trip protection plans generally cost 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage.

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip

Customizable selections such as medical maximum, deductible, and other add-ons

Get a quick quote with no commitment when you answer a few simple questions about your trip to Mexico and what kind of coverage you need.

Travel Requirements for Mexico

When planning any trip, it’s important to consider what travel documents your destination country requires, as well as any public health requirements. Let’s take a closer look at what you’ll need when traveling to Mexico.

Visa Requirements for Mexico

Visas are not required for permanent residents of the United States traveling to Mexico. Visas are also not required for Mexico if you already have a valid visa for the United States, Japan, the United Kingdom, or any country that makes up the Schengen Area.

There are many countries whose residents are exempt from needing a visa to travel to Mexico. Check out the full list here .

Documents and Forms

While you may not need a visa to travel to Mexico, there are a number of other documents you’ll want to be sure to add to your carry-on. These documents include:

• A valid passport that has at least six months of validity.
• A completed Multi Migratory Form . Travel tip- this form can be completed at the airport, but you can save time by filling it out and printing it in advance!
• Documentation of why you’re traveling to Mexico. This can include a hotel reservation, a trip itinerary, a letter of admission from an academic institution, or a letter from your employer that you’re traveling for work. View more examples here .

Public Health Requirements

As of November 24, 2023, there are no COVID-19 restrictions in place when traveling to Mexico.

You won’t need to provide a negative COVID test or proof of vaccination to enter the country. However, the Centers for Disease Control recommends getting up to date on COVID-19 vaccines before traveling and wearing a mask in crowded places on your trip.

Travel Information & Safety Tips for Mexico

Curious about the weather at your destination? Want more info on transportation? Check out these travel and safety tips for a deeper dive into what you can expect on your trip to Mexico.

Is Mexico safe to visit?

Major cities and resort areas are generally the safest places to visit. These areas are well-regulated with first responders close by to help in instances of injury.

In some Mexican states, there are high amounts of crime and kidnapping. This Mexico Travel Advisory can tell you if the area you’re considering visiting has an especially high amount of crime.

It’s important to be aware of common scams that target tourists in Mexico so you can avoid them. Card-skimming is prevalent throughout Mexico, so try to pay with cash when possible. When you do withdraw cash, use well-lit ATMs in populated areas. Be careful when getting in a taxi, as there are a growing number of fake taxi drivers. If possible, ask your hotel to book you an authorized taxi. When getting in the car, ensure the driver is licensed and that their face matches the photo on the license.

If you’re a United States citizen traveling to Mexico, you can enroll in the free Smart Traveler Enrollment Program (STEP) as an additional safety precaution. Through the program, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency.

What languages are spoken in Mexico?

Spanish is the primary language of Mexico, spoken by about 94% of the population.

English is not prominently spoken throughout Mexico. However, in tourist areas such as Cancun, Tulum, Cozumel, and others, many locals have learned to speak English.

What currency is used in Mexico?

The Mexican Peso (MXN) is the currency used in Mexico. As of November 24, 2023, the exchange rate between United States dollars and Mexican pesos is 1 dollar = 17.11 pesos.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Mexico?

Mexico is a vast country, stretching over 750,000 square miles. As such, the weather varies by region. Throughout Mexico, there is a rainy season and a dry season. The rainy season runs from May through November, and the dry season from December through April.

Gulf Coast: Weather in the Gulf Coast is hot and humid, with lots of rain in the summer months. July is the hottest and wettest month of the year. The annual average temperature is 77 degrees.

Southern Mexico: The southern regions of Mexico which include Oaxaca and Chiapas tend to get the most rain. This weather in the valleys and coastal plains can be exceptionally hot, while the weather in cities of higher altitudes is cooler.

Yucatan Peninsula: The Yucatan Peninsula is a popular cruise destination, with its port city of Cancun. Temperatures stay warm and consistent throughout the year with an average of 78 degrees annually.

Northern Mexico: The weather in northern Mexico tends to be more arid and less humid than other parts of the country. This area in Mexico is characterized by dry, sweltering days and cooler nights. The temperature here varies throughout the year with highs over 90 degrees in August and lows in the upper 40s in January.

Central Mexico: It feels like springtime in Central Mexico for most of the year, with warm days and slightly cooler nights. The highs in the warmest months are in the upper 80s and dip to the low 40s in the cooler months.

Pacific Coast Region: The Pacific Coast region is home to popular tourist destinations like Acapulco and Puerto Vallarta. This region stays toasty throughout the year, with high temperatures of 90 degrees and lows around 70.

Food and Water Safety in Mexico

The tap water in Mexico is generally unsafe to drink throughout the country. It’s recommended to buy purified bottled water during your stay. Bottled water is widely available for sale in stores and by street vendors, so it shouldn’t be hard to find. You should also use purified water for brushing your teeth. Travel tip: Bring your own refillable water bottle and purchase larger purified water jugs to fill it throughout your trip.

When it comes to produce, it’s best to always disinfect the fruits and vegetables you buy. You can buy produce disinfectant or make your own solution with a mix of white vinegar and purified water.

Transportation

Common ways to get around Mexico include renting a car, ordering a taxi, or taking public transit.

Larger cities like Mexico City have a Metro system to help you get around. Mexico City’s metro even has women-only wagons to help reduce the prevalence of sexual harassment . But in smaller cities and towns, buses will be the primary form of public transportation.

Train travel is currently limited, but is set to take off in Mexico in the coming decades. The country is planning to launch 11 new tourist train routes by 2050, with the first launching in 2023.

Do I need a power adapter for my electronics?

When traveling to Mexico from the United States, you will not need a power adapter for your electronics. Mexico uses type A and type B power plug sockets. The standard voltage is 127 V and the frequency is 60 Hz.

U.S. Embassy and Consulate Information for Mexico

Before traveling to Mexico, it’s important to know the location of the nearest embassy or consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy in Mexico City:

Paseo de la Reforma 305

Colonia Cuauhtemoc

06500 Mexico, CDMX

U.S. Consulate in Ciudad Juárez:

Paseo de la Victoria #3650

Fracc. Partido Senecú

Ciudad Juárez, Chihuahua, Mexico C.P. 32543

U.S. Consulate in Guadalajara:

Progreso 175

Col. Americana

Codigo Postal 44160

Guadalajara, Jalisco, Mexico

U.S. Consulate in Hermosillo:

141 Monterey Street

Col. Esqueda, C.P. 83000

Hermosillo, Sonora, Mexico

U.S. Consulate in Matamoros:

Calle Constitución No. 1

Colonia Jardín

Matamoros, Tamaulipas 87330

U.S. Consulate in Merida:

Calle 60 No. 338-K x 29 y 31

Col. Alcala Martin Merida, Yucatan, Mexico 97050

U.S. Consulate in Monterrey:

Ave. Alfonso Reyes #150

Col. Valle del Poniente

Santa Catarina, Nuevo León

México 66196

U.S. Consulate in Nogales:

Calle San José s/n

Fraccionamiento los Alamos

C. P. 84065 Nogales, Sonora

U.S. Consulate in Nuevo Laredo:

Paseo Colon 1901

Colonia Madero

Nuevo Laredo, Tamaulipas 88260

U.S. Consulate in Tijuana:

Paseo de las Culturas s/n

Mesa de Otay

Delegación Centenario C.P. 22425

Tijuana, Baja California

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

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As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

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TRAVEL RESOURCES

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Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

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

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Best places to visit in may 2024.

With its pleasantly warm weather and thinned crowds, May is the perfect time to take a trip before the expensive summer season. Considering sights, weather, traveler sentiment and annual events (among other factors), U.S. News rounded up the best places to visit in May. Whether you're looking for an outdoor adventure in a national park, a quick Memorial Day getaway or a leisurely beach vacation , you can't go wrong with these destinations. Vote for your favorite locales below to help determine next year's list.

Bryce Canyon National Park

Laguna beach, st. vincent & the grenadines, victoria & vancouver island, yellowstone national park.

When May comes around in Bryce Canyon National Park, the snow is nearly gone, which means the park's main road and popular trails are likely to be open. Highs are typically in the 60s during the day, too – ideal conditions for hiking and biking this Utah park's paths. Visitor numbers start to ramp up this month, but it's still early enough in the season that you're unlikely to have to jostle for a view at the popular Bryce Point, which overlooks Bryce Amphitheater, a landscape of otherworldly rock spires (called hoodoos).

This Portuguese island chain in the Atlantic Ocean offers a little bit of everything for active travelers, from geoparks and waterfall hikes to paragliding. Though the weather here is always a bit unpredictable, the chances of wind and rain are lower in May. The water temperature also begins to warm up for must-do activities like snorkeling or swimming with dolphins, and with fewer swells than the winter months, beginner surfers will feel more comfortable trying to hang ten. As an added bonus, the biggest festival in the Azores – the Feasts of Santo Cristo dos Milagres – typically occurs in May.

Travelers looking for a vacation filled with unique and heart-pumping activities should set their sights on Cappadocia. This mountainous region in central Turkey is home to a UNESCO-listed national park, centuries-old underground cities, ancient cave dwellings, magnificent rock formations and more. Plus, thanks to average temperatures in the 60s and 70s in May, activities like soaring high above the Göreme Valley on a hot air balloon tour and driving a four-wheel-drive vehicle past fairy chimneys couldn't be more pleasant.

As one of the warmest and driest times of year in Palawan, May welcomes travelers with open arms. Take advantage of the minimal rainfall by experiencing all of the outdoor activities and attractions that this Philippine island has to offer –spoiler alert, there are a lot. Spend time relaxing on Palawan's white sand beaches, island-hopping or even swimming with gentle whale sharks. Water sports are popular in this destination as well, from diving Tubbataha Reef to kayaking El Nido's Big Lagoon.  

Visiting Granada, Spain, in May is a no-brainer. Average temperatures in the mid-70s, blooming flower displays (at Generalife Gardens) and a full roster of events make this Andalusian city a must-visit in the spring. Día de la Cruz and Feria del Corpus Christi, two of the city's most popular celebrations, are both held in May, and travelers won't want to miss seeing Granada come alive with music, flamenco dancers and more. Save time during your trip for a guided tour of the Alhambra and strolling through the Albaicín neighborhood.

May falls within this Peruvian city's winter season, though you probably wouldn't notice thanks to its consistently mild temperatures (highs hover in the 60s). This month rarely sees rain showers, and you'll encounter fewer tourists at archaeological wonders like La Catedral – which sits in the restaurant- and coffee shop-filled Plaza de Armas – and Machu Picchu – a bucket list destination and UNESCO World Heritage Site located about 50 miles northwest of Cusco. If you're up for a challenge, hike the Inca Trail to Machu Picchu. This difficult trek through the area's towering mountains takes about four days to complete.

With 33 beaches, this eastern Caribbean island is a sun worshipper's dream, and May temperatures in the upper 70s and 80s are perfect for basking on its white sands . Spend warm days venturing to offshore cays, exploring fishing villages and watching yacht races during the Anguilla Regatta, typically held every May. Since this is the start of the island's rainy season, the weather can be wetter and more humid than the winter months, but visitors will be rewarded with cheaper accommodations. 

May is a great time for a trip to this seaside Spanish city before the heat and humidity become unbearable. Can't-miss architectural marvels to check out include Antoni Gaudí's whimsical Park Güell and the Gothic-style Sagrada Família. Budget time for visiting some of Barcelona's highly regarded museums, such as the Picasso Museum, and relax at Barceloneta beach before stopping at a nearby seafood restaurant for some of the best paella in the city. What's more, the city plays host to a number of events come May, including film and music festivals

Craggy coastline views, a world-famous aquarium and a superb farm-to-table dining scene draw tourists of all types to Monterey, California. Though temperatures here remain in the 60s for most of the year, rainfall drops significantly in May. Popular festivals also make this a great time of the year to visit. Come early in the month for the Pacific Grove Good Old Days Street Festival, which showcases local artisans and craft vendors, plus a variety of food booths. And near the end of the month, the three-day California Roots Music & Arts Festival celebrates reggae artists.

Visit Laguna Beach for a perfect sunny-and-70, laid-back beach vacation. May is part of this Southern California town's spring shoulder season, so you'll find fewer people on popular stretches of sand like Main Beach and Crescent Bay Beach. Plus, the quieter month is ideal for relaxation-focused activities, such as outdoor yoga and hiking. When travelers need a break from reconnecting with themselves or nature, they can check out Laguna Beach's thriving art scene, which includes hundreds of galleries, studios and public works of art.

Bright turquoise water, gorgeous white sand and lush green vegetation await vacationers in St. Vincent and the Grenadines. Composed of 32 islands and cays, this Caribbean archipelago is perfect for a tropical getaway. May falls between the country's peak winter season and its hurricane-prone low season, making it an ideal time for scuba diving and snorkeling in the Tobago Cays Marine Park, swimming and soaking up some rays at Canouan's beaches and hiking to beautiful waterfalls like Dark View Falls. Travelers will also want to check out the country's 20-acre Botanical Gardens, the oldest available in the Western Hemisphere.

Victoria, British Columbia's capital city, sits on the southern portion of Vancouver Island. Not only does this Canadian destination boast comfortable highs in the low 60s in May, it is just a short ferry ride from Seattle (less than three hours), making it perfect for a quick weekend getaway . Spend your visit strolling through the 55-acre Butchart Gardens, which are bursting with colorful tulips and cherry blossoms come May, then get out on the water on a whale watching tour. Before heading home, don't forget to shop for souvenirs along Government Street.

Considered the birthplace of democracy and drama, Athens boasts a historical legacy that is hard to top. The main reason to visit is to see the ancient city's impressive ruins, which you'll find at the Acropolis and Ancient Agora. For an additional look at Athens' past, check out the incredible Greek artifacts on display at the National Archaeological Museum and the Benaki Museum of Greek Culture. May vacations are especially enjoyable thanks to comfortable daytime temps hovering in the mid-70s.

By late May, most of Yellowstone's trails and must-see attractions are open, welcoming eager nature enthusiasts seeking a breath of fresh air. The average 50-degree temperatures provide a brisk but comfortable atmosphere for a hike on one of the Old Faithful area's trails or a kayaking excursion on Yellowstone Lake. For a glimpse of wildlife, head to Lamar Valley to view wolf pups emerging from their dens. Keep in mind that if you visit during Memorial Day weekend, you'll likely run into crowds.

With warm weather year-round (average temperatures sit in the 80s), there's never a bad time to visit Singapore. But in May, this Asian city-state on the southern tip of the Malay Peninsula welcomes events such as the Singapore Cocktail Festival, the Singapore International Festival of Arts and the Singapore HeritageFest. When you're not enjoying your time at one of Singapore's cultural events, check out top attractions like Gardens by the Bay, a futuristic nature park that is home to the Supertree Observatory and the Cloud Forest.  

Vote to Add these Destinations to the Rankings

Kruger National Park

Mont-Tremblant

Miami Beach

Newport, RI

Mexico City

Indianapolis

You may be interested in.

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• Best for Senior Pets
• Best for Customization
• Best for Bundling
• Best for Preexisting Conditions
• Best for Alternative Therapy
• Best for Exotic Pets
• Best for Unlimited Coverage

How We Rate Pet Insurance

Best cheap pet insurance companies of april 2024.

Many pet owners may be reluctant add the cost of pet insurance to their monthly budget. However, most pet owners will experience at least one pet emergency and spend between $2,000 to $4,000, according to the North American Pet Health Insurance Association (NAPHIA). While the most comprehensive pet insurance may be out of your budget, there are cheap pet insurance options available that will give you peace of mind without breaking the bank.

Best Cheap Pet Insurance Companies of 2024

Best price: pets best pet insurance, best for senior pets: figo pet insurance, best for customization: spot pet insurance.

Best for Bundling: Best for Bundling: Lemonade Pet Insurance

Best for Preexisting Conditions: ASPCA Pet Insurance

Best for alternative therapy: healthy paws pet insurance, best for exotic pets: nationwide pet insurance, best for unlimited coverage: trupanion pet insurance.

If you're looking for pet insurance at a cheap rate, Pets Best Pet Insurance has some of the lowest prices in the industry. You can go to any licensed veterinarian. However, it should be noted that in Insider's staff experiences with Pets Best policies, the reimbursement rate is also applied to your deductible.

So if you had a $500 deductible with 90% reimbursement, a $500 claim would leave you with another $50 left on your deductible, with charges applied based on the 90% reimbursement rate. This is not unusual, but it should factor into your budget and policy choices.

Pets Best offers three types of plans: accident-only, accident and illness, and a wellness plan. With highly customizable options, you can further lower your rate. Plus, the insurer doesn't have an age gap on pet insurance.

Unfortunately, if you're looking for alternative treatments like herbal and holistic treatments, consider searching elsewhere.

• Annual coverage options: $5,000, unlimited
• Reimbursement options: 70%, 80%, 90%
• Deductible options: $50, $100, $200, $250, $500, $1,000
• Average monthly cost: Dogs - $20; Cats - $12

Read our Pets Best Pet Insurance review here.

Many pet insurance providers will only insure pets younger than 14. Insurers may put an age cap on eligibility because pets, like humans, tend to develop health conditions as they age. However, Figo Pet Insurance will insure your furry friend, regardless of age. Whatever plan you consider, understand pet insurance companies will not cover preexisting conditions . For dogs or cats with a history of allergies, cancer, diabetes, or other conditions, this would still leave pet parents on the hook for related bills if diagnosed before buying your plan.

Figo offers three plans: the Essential plan, the Preferred plan, and the Unlimited plan. This insurer provides ample coverage choices to customize your policy based on your pet's needs and your budget.

Unfortunately, Figo doesn't sell a basic, accident-only plan, which is generally cheaper than an accident-illness or wellness program. Additionally, while it reimburses you, you must pay your vet bills upfront. Many pet parents resolve this issue using services like CareCredit, which can be paid off after completing the claim. If you're interested in Figo, we recommend Costco members go through the retail giant's partnership with Figo as you get 15% off standard premiums.

• Annual coverage options: $5,000, $10,000, unlimited
• Reimbursement options: 70%, 80%, 90%, 100%
• Deductible options: $100, $250, $500, $750
• Average monthly cost: Dogs - $26; Cats - $14

Read our Figo Pet Insurance review here.

With Spot Pet Insurance , you have nine annual coverage limits, three reimbursement, and five deductible options. This insurer offers an excellent range of policy coverages to mix and match as you choose. Of course, your monthly premiums will vary accordingly.

Spot pet insurance also offers an accident-only and accident-illness plan. The company as a wider range of pet coverage that many competitors lack, like prescription food and behavioral modification. Based on our research at the time of this guide, Spot doesn't sell wellness plans. However, you can add the gold and platinum preventative care plan to supplement your policy.

• Annual coverage options: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, unlimited
• Deductible options: $100, $250, $500, $750, $1,000
• Average monthly cost: Dogs - $28; Cats - $14

Read our Spot Pet Insurance review here.

Best for Bundling: Lemonade Pet Insurance

Lemonade Pet Insurance is a relatively new pet insurance company. Aside from pet insurance, it also offers home, car, and renters insurance (which received high marks for customer satisfaction). So you can bundle your pet insurance with other products for 10% additional savings.

If you're a tech-savvy shopper, you may appreciate Lemonade's highly-rated mobile app and user-friendly digital platform. You could purchase a policy, manage your claims, and access your insurance ID at the touch of your fingertip. Unfortunately, Lemonade is not available in all states yet. So be sure to check and see if Lemonade is available to you. But with up to $100,000 in annual coverage, Lemonade covers most significant health events for pets.

• Annual coverage options: $5,000, $10,000, $20,000, $50,000, $100,000
• Deductible options: $100, $250, $500
• Average monthly cost: Dogs - $28; Cats- $14

Read our Lemonade Pet Insurance review here.

Unfortunately, all pet insurance providers exclude preexisting conditions from coverage. This is because pet insurance companies have to mediate risk to keep premiums low for everyone. However, several companies will cover preexisting conditions if your pet has been symptom- and treatment-free for some time. ASPCA Pet Insurance is one of those providers.

ASPCA pet insurance will cover curable preexisting conditions if your cat, dog, and even horses if your pet has been symptom-free for over 180 days (excluding ligament and knee conditions).

With ASPCA pet insurance, you choose an accident-only, accident and illness, and preventative care plan. ASPCA pet insurance's comprehensive programs cover alternative therapies, behavioral issues, and congenital and hereditary conditions. The provider even covers pet microchipping. When going through the quoting process online, we were told we must speak to a live representative to obtain a quote for unlimited annual coverage.

• Annual coverage options: $3,000, $4,000, $5,000, $7,000, $10,000
• Average monthly cost: Dogs - $33; Cats - $17

Read our ASPCA Pet Insurance review here.

Only a few providers offer alternative medicine if you prefer to take the holistic and herbal route when seeking treatment for your pet. Healthy Paws Pet Insurance offers a comprehensive list of non-invasive forms of therapy, including acupuncture, hydrotherapy, physical therapy, laser therapy, and massage care, as long as a licensed veterinarian provides the treatment.

The trade-off, however, is Healthy Paws won't cover preventative and wellness care. Its site specifies Healthy Paws believes wellness costs can be planned for. For example, you expect to do a yearly exam and get updated vaccines, and even if you save a little bit each month, you can plan accordingly. However, accidents and severe chronic illnesses are difficult to plan for, and costs are frequently unreasonable. So Healthy Paws focuses on the most significant area of need it sees.

• Annual coverage options: Unlimited
• Reimbursement options: 50%, 60%, 70%, 80%, 90%
• Deductible options: $50, $100, $250, $500, $750, $1,000
• Average monthly cost: Dogs - $37; Cats - $18

Read our Healthy Paws Pet Insurance review here.

Finding cheap pet insurance may be challenging if you have an exotic pet like a bird, rabbit, or reptile. Nationwide Pet Insurance is currently the only pet insurance company to offer wide-reaching coverage for many exotic pets. Other companies offer "discount plans," much like human prescription discount plans. However, you'd have to work with specific vets, and coverage would be specific to the treatment provided.

Nationwide pet insurance offers three pet insurance plans:

• Major Medical (accident and illness plan)
• Whole Pet (more comprehensive accident and illness plan)
• A wellness plan

Nationwide offers various conditions in its plans. However, the coverage is set. Nationwide's sample accident and illness policy broke down many potential diagnoses with primary and secondary diagnoses allowances. Ultimately, each buyer will receive a policy breakdown. However, Nationwide is a more expensive pet insurance provider with limited flexibility.

• Annual coverage options: Per condition
• Reimbursement options: 50%, 70%, 90%
• Deductible options: $250
• Average monthly cost: Dogs - $35; Cats - $14

Read our Nationwide Pet Insurance review here.

Trupanion Pet Insurance is one of the pricier insurers on this list. Also, it offers a limited selection of policy options. However, if you're looking for a plan with unlimited coverage, Trupanion may be your winner. Unfortunately, we've all heard of the unexpected accident or illness in an otherwise healthy pet calling for emergency care.

Some emergency surgeries can easily surpass $20,000, and you might be on the hook for follow-up care, rehab, and even further surgeries. These are the times when unlimited care could be the saving grace to save your furry friend.

Trupanion offers deductibles ranging from $0 to $1,000. What's unique about this insurer is you'll only have to pay the deductible once per condition. For example, say your pet develops an illness requiring ongoing treatment. While most insurers will need you to pay a deductible yearly, you'll only have to pay your deductible once when the condition appears, potentially saving you money. This is handy for chronic conditions like allergies, diabetes, and cancer.

• Reimbursement options: 90%
• Deductible options: $0 to $1000
• Average monthly cost: Dogs - $50; Cats - $22

Read our Trupanion Pet Insurance review here.

We review a company based on several benchmarks and compare it against the industry standard.

• Affordability: We consider an insurer cheap if it meets or is below the industry average premiums. We also compare the prices against its competitors.
• Policy customization: We look at the breadth of an insurer's policy options. Policy options include the number of annual coverages, deductibles, and reimbursement options. The price is not the only determining factor if you compare a $50 for unlimited coverage with 80% reimbursement with a $10 policy with a $5,000 annual cap.
• Waiting period: A waiting period is the time between purchasing a policy and when coverage kicks in. The average waiting period for accident coverage is three days, and fourteen days for illness coverage. However, waiting periods for genetic conditions and serious illnesses could last a year.
• Types of policies available: The best pet insurance companies typically offer three types of plans: accident-only, accident-illness, and wellness plans. We look through an insurer's website to determine if it sells some variation of those three plans.
• Exclusions: Pets come in all shapes and sizes. Unfortunately, insurance companies will exclude some pets from coverage, like older pets or even those with curable preexisting conditions.
• Company offerings: We look at the extensiveness of a company's policies. Some insurers offer coverage for microchipping, alternative medicine, and other unique conditions.

We go into further detail in our insurance rating methodology .

Which dog breed qualifies for the cheapest pet insurance?

Small, spayed, female mixed-breed dogs are the cheapest to insure, according to North American Pet Health Insurance Association (NAPHIA).

How much is a reasonable deductible for pet insurance?

Consider your needs before choosing a deductible. Choosing a high deductible may lower your monthly premiums. However, to start your coverage as soon as possible, consider choosing a low deductible, like $100 to $500.

When should you use pet insurance?

You'll decide what coverage you're willing to pay for upfront. However, whenever you have a qualifying claim, you should file a claim with your pet insurance provider. Insurance providers may have a time limit on claims, and you have to fulfill your annual deductible before full coverage will kick in.

What is the cheapest pet insurance?

Pets Best pet insurance costs an average of $20 for dogs and $12 for cats, the lowest prices among its competitors. Prices will vary based on your pet's age and breed. 

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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