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Insurance & Extra Services

Add proof of mailing & delivery, signature services, & more.

Get extra protection for your special envelopes or packages. Learn about the insurance and extra services we offer: some are included for free, and others are available for a fee.

  • Protect valuable shipments and get peace of mind with additional insurance, signature-required delivery, and other add-ons.
  • Keep proof of when you mailed your items and know when your items are delivered safely to the correct recipient.
  • In some cases, you can order or print the extra service forms you need online.

Order Forms & Labels Extra Services Pricing & Fees

Person packing a fragile item in a Priority Mail Flat Rate Box.

Extra & Included Insurance

Standard shipping insurance.

You can purchase insurance coverage for your mailpieces for up to $5,000 in indemnity to protect against loss or damage. Insurance fees are based on the item’s declared value. There are limitations for insuring some products and certain items.

Mail Insured for more than $500

  • The recipient may be required to show an acceptable primary ID before USPS will deliver the mailpiece.

See Acceptable IDs & Restrictions

Important Links

About Insured Mail Insurance Exceptions Nonpayable Claims

Insurance coverage only covers the actual value of mail contents. You may purchase up to $5,000 indemnity coverage in person at a Post Office or online.

The price is based on declared value, starting at $2.75.

Insured Mail Fees

Priority Mail Express & Priority Mail

Priority Mail Express ® and Priority Mail ® services include up to $100 of insurance in the price. For more valuable shipments, additional coverage is usually available.

Qualifications

Priority Mail Express and Priority Mail domestic shipments must have an applicable USPS Tracking ® barcode to qualify for included insurance. Priority Mail insurance is not included when you purchase it along with certain extra services.

Priority Mail Express Insurance Details Priority Mail Insurance Details

Priority Mail Express Delivery

Keep your postmarked mailing receipt and proof of value of your shipment in case you need to file a claim. When your mail item is lost, you should file a claim no later than 60 days from the date of mailing. If your item is damaged or missing contents, you should file a claim immediately but not later than 60 days from the date of mailing.

Payable Claims Nonpayable Claims Proof of Value General Filing Instructions Priority Mail Express Claims

USPS Ground Advantage

USPS Ground Advantage ™ service includes up to $100 insurance in the price. For more valuable shipments, additional coverage is usually available.

USPS Ground Advantage domestic shipments must have an applicable USPS Tracking ® barcode to qualify for included insurance.

USPS Ground Advantage Insurance Details

USPS Ground Advantage Claims

Proof of Mailing & Delivery

Usps tracking ®.

Provides tracking updates as an item travels to its destination, including the date and time of delivery or attempted delivery.

  • Available online or at your Post Office depending on the mail class.

Certified Mail ®

Prove you sent it. See when it was delivered or that a delivery attempt was made, and get the signature of the person who accepts the mailing when combined with Return Receipt.

  • Purchase at your Post Office.
  • Present for mailing to a Postal employee if a postmarked sender’s receipt is requested.
  • Combine with Return Receipt to get an electronic or physical delivery record showing the recipient’s signature.

Return Receipt

Get an electronic or hardcopy delivery record showing the recipient’s signature.

  • Purchase at a Post Office depending on the mail class.
  • Available with Priority Mail Express using only PS Form 3811 (54 KB) .
  • Electronic Return Receipts are not available to APO/FPO/DPO addresses or to certain U.S. territories or possessions, or Freely Associated States.
  • $3.65 for mail receipt
  • $2.32 for email receipt

Certificate of Mailing

Show that you sent the item when you say you did. This official record shows the date your mail was presented to USPS for mailing.

  • Only available at your Post Office.
  • Available only at the time of mailing.
  • Don’t lose your certificate. The Postal Service ® does not keep a copy.
  • Use PS Form 3817 or PS Form 3877 only.

$2.00 Form 3817 (20 KB)

Signature Confirmation ™

Find out information about the date and time an item was delivered or when a delivery attempt was made. Add security by requiring a signature. USPS keeps a delivery record, which you may request via email, fax, or mail.

  • Purchase online or at your Post Office depending on the mail class.
  • Limited availability to APO/FPO/DPO locations and certain Freely Associated States.
  • Use with any service except USPS Marketing Mail ® and Adult Signature Services.
  • Before delivery, the recipient must show an acceptable primary ID with a clear photo.
  • $4.15 at a Post Office
  • $3.50 paid online

USPS Tracking Plus ®

Purchase extended tracking history for your item and receive a USPS Tracking Plus Statement via email upon request. Get access for up to 10 years.

  • Purchase online through USPS Tracking ® .
  • Available for: Priority Mail Express ® , Priority Mail ® , USPS Ground Advantage ™ , Parcel Select ® Non-presort, Library Mail, Bound Printed Matter, Media Mail ® , First-Class Mail ® (letters and flats)*, USPS Marketing Mail ® parcels*, and USPS Marketing Mail Nonprofit parcels*

*With purchase of a trackable extra service

Price starts at $0.99

Valuable Items

Registered mail.

Get maximum security for your valuable items. Registered Mail ® items can be insured for up to $50,000 at your Post Office ™ location.

  • Purchase at your Post Office or through your Rural Carrier.
  • Regardless of how you purchased the service, present Registered Mail items for mailing to a Postal employee.
  • Receive a mailing receipt, and upon request, electronic verification that an article was delivered or that a delivery attempt was made.

Price starts at $16.80

Hold For Pickup

Customers can pick up valuable and perishable merchandise at a designated Post Office.

  • USPS will hold packages for up to 15 days, depending on the service selected (5 days for Priority Mail Express ® ).
  • Customer is notified by email that a package is available for pickup.
  • The addressee must show an acceptable primary ID with a clear photo.

Signature Services

Restricted delivery.

Specify the person who can sign for and receive your item. Must be purchased in combination with another extra service as follows: Certified Mail, Collect on Delivery (COD), Insured Mail (over $500), Registered Mail, or Signature Confirmation.

  • USPS may request a primary ID with a clear photo for the addressee or the person authorized to sign for and receive your item.
  • Certified Mail Restricted Delivery $11.65
  • COD Restricted Delivery $6.90
  • Insured Mail Restricted Delivery $6.90
  • Registered Mail Restricted Delivery $6.90
  • Signature Confirmation Restricted Delivery $10.40 (electronic) / $11.05 (retail)

Adult Signature Required

This service requires the signature of an adult age 21 or over at the recipient’s address. You’ll get delivery information, as well as the recipient’s signature and name.

  • Add this service to your qualifying online label purchase.
  • Not available for purchase at Post Office locations.

See Acceptable IDs & Restrictions Adult Signature Required Details

Adult Signature Restricted Delivery

With this service, your item is delivered only after the addressee or their authorized agent verifies their identity, proves that they’re 21 years of age or older, and signs for it.

See Acceptable IDs & Restrictions Adult Signature Restricted Delivery Details

Collect on Delivery (COD)

Let your customers pay for merchandise and shipping when they receive the package. You also get insurance coverage up to $1,000 based on amount to be collected or amount of insurance coverage desired, whichever is higher.

  • Purchase at a Post Office, or through your Rural Carrier, depending on the mail class. Present COD for mailing to a Postal employee.
  • COD service provides the mailer with a mailing receipt.
  • Not available for international shipments, APO/FPO/DPO locations, and certain Freely Associated States.
  • The recipient may pay the COD charges via cash, personal check, or money order payable to the mailer (accepted by the USPS employee after the recipient presents an acceptable primary ID with a clear photo).

Price starts at $10.80

Other Services

Usps label delivery service.

Request USPS Label Delivery service to get physical outbound labels delivered for a fee. Businesses can also request physical labels for their customers.

  • Available through enhanced Click-N-Ship ® service to USPS.com personal and business account holders.
  • Also, available to business account holders through USPS Web Tools ® APIs .
  • Available for Priority Mail Express ® , Priority Mail ® , and USPS Ground Advantage ™ services. For businesses, Priority Mail Express Return, Priority Mail Return ® , USPS Ground Advantage Return, Parcel Select ® , and Parcel Return services are also available.

$1.25 (per label)

Compare Add-On Services

Use the below chart to see whether an add-on is already included in the price of your chosen mail/shipping service or if it's available for a fee.

1. Insurance coverage is provided against lost, damage, or missing contents and is limited to a maximum liability of $100 when the pieces bear an Intelligent Mail package barcode (IMpb) or USPS retail tracking barcode and the mailer pays retail or commercial prices. For more details, see the Domestic Mail Manual Section 503.4 . Back ^ 2. Form 3818 by mail only. Back ^ 3. When purchased at the time of mailing with Certified Mail, COD, insurance (for more than $200), or Registered Mail. Restrictions apply. Back ^ 4. Available with USPS Marketing Mail packages when bulk insurance (for more than $200) is purchased at the time of mailing. Back ^ 5. When purchased at the time of mailing with COD or insurance (for more than $200). Back ^

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Travelers Plans How to Travelers Plans in The World

Post office travel insurance.

World Travel Insurance

Traveling is an exciting adventure that offers numerous opportunities for discovery, exploration, and growth. However, like any journey, there are risks that come with it. That’s where travel insurance comes in. In this article, we’ll examine Post Office Travel Insurance, what it offers, and how it can benefit travelers like you.

What is Post Office Travel Insurance?

Post Office Logo

Post Office Travel Insurance is a type of insurance policy that aims to protect travelers from unexpected risks that may arise during their trip. These risks may include trip cancellations or delays, lost or stolen luggage or personal belongings, medical emergencies, and other incidents that can disrupt a traveler’s journey.

What are the Benefits of Post Office Travel Insurance?

Post Office Travel Insurance

Post Office Travel Insurance offers various benefits to travelers, including:

  • Comprehensive coverage for a range of travel-related risks
  • Flexibility and customizability to suit travelers’ unique needs
  • A 24/7 helpline for emergency support
  • Competitive prices and transparent policies

These benefits can help travelers enjoy peace of mind and confidence during their trip, knowing that they’re protected in case of unexpected events.

What Types of Travel Insurance Does Post Office Offer?

Post Office Travel Insurance offers various types of travel insurance policies, including:

  • Single Trip Travel Insurance
  • Annual Multi-Trip Travel Insurance
  • Backpacker Travel Insurance
  • Winter Sports Travel Insurance
  • Family Travel Insurance
  • Cruise Travel Insurance

Each policy caters to different types of travelers and their unique needs. For example, the Single Trip Travel Insurance is ideal for those taking a one-time trip, while the Annual Multi-Trip Travel Insurance is best for frequent travelers. The Backpacker Travel Insurance is designed for those taking an extended trip, while the Winter Sports Travel Insurance provides coverage for winter sports activities like skiing and snowboarding.

How Much Does Post Office Travel Insurance Cost?

The cost of Post Office Travel Insurance depends on various factors, such as the type of policy, the duration of the trip, the traveler’s age, and the destination. Typically, policies start from as low as £4.20 for Single Trip Travel Insurance and £42.00 for Annual Multi-Trip Travel Insurance, making Post Office Travel Insurance an affordable option for many travelers.

How to Buy Post Office Travel Insurance?

Buying Post Office Travel Insurance is quick and easy. Interested travelers can purchase a policy online, over the phone, or in selected Post Office branches. They just need to provide some basic information about their trip, destination, and personal details, and they’ll receive a quote and policy instantly.

Post Office Travel Insurance is a valuable investment for travelers who want to protect themselves from unexpected risks during their trip. With comprehensive coverage, competitive prices, and flexible policies, it’s a reliable option for many types of travelers. By choosing Post Office Travel Insurance, you can enjoy peace of mind and confidence during your adventures, knowing that you’re protected.

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Domestic Travel Insurance

Is travel insurance necessary for domestic travel.

  • Trip Cancellation and Interruption : If your trip is canceled or interrupted due to eligible unforeseen circumstances such as a natural disaster, illness, or death in the family, travel insurance can help provide reimbursement for non-refundable expenses such as flights, hotels, and tours.
  • Medical Emergencies : If you get sick or injured during your domestic trip, travel insurance can help cover medical expenses such as hospitalization, emergency medical evacuation, and repatriation.
  • Travel Delays : If your flight is delayed or canceled, travel insurance can help reimburse for expenses such as meals, accommodations, and transportation until you are able to reach your destination.
  • Lost or Stolen Luggage : If your luggage is lost, stolen, or damaged during your domestic trip, travel insurance can help provide reimbursement for the value of your belongings.

Vacation Stories:

AXA Travel Insurance

Compare Travel Insurance Plans

Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

Why Choose AXA Protection Plans for Travel Within North America?

AXA has been consistently ranked as a reliable insurance company for a decade by global brand consultancy firm Interbrand. Here are several reasons why travelers trust us with their travel plans. Here are some of the major ones:

  • Coverage: AXA offers coverage for a range of travel-related incidents, such as trip cancellation, trip interruption, medical emergencies, and lost or stolen luggage.
  • 24/7 emergency assistance: Assistance services to help travelers in the event of a medical or travel emergency.
  • Easy claims process: AXA has a straightforward and streamlined claims process, making it easy for customers to submit claims and receive reimbursement.
  • Global Protection: AXA offers coverage plans that provide customers with reassurance while journeying to destinations accessible to US residents.
  • Additional benefits: Depending on the plan chosen lost skier days, optional trip cancellation for any reason, optional rental car damage, and identity theft protection coverage can be found in our Gold and Platinum plans.

Can I purchase travel insurance after booking my trip?

Does travel insurance cover covid, how to get a travel protection quote.

Receive a  free quote  within minutes Or call us at  855-327-1441  to speak with our licensed Travel Insurance Advisors. Monday-Saturday, 8AM-7PM Central Time Also see:  Plan Comparison Table  | Silver Plan |  Gold Plan  |  Platinum Plan  

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Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

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Post Office Travel Insurance: A Getting Started Guide from the Experts!

The Post Office is regarded as the largest retail network in the UK as well as the largest financial services chain that’s been there for more than 370 years. However, apart from that, the company also offers insurance products, one of which is the post office travel insurance.

post office domestic travel insurance

In this article, we’re going to talk about everything you need to know which regard to this particular travel insurance. But before that, let’s have a look at the achievements of the Post Office regarding insurances.

What is the Post Office?

Post Office has been voted the “Best Travel Insurance Provider” for 9 straight years starting from 2006 to 2015. Apart from that, it also received the Silver award from the British Travel Awards in 2016 and 2017.

As a massive network, the Post Office offers a wide range of options when it comes to their insurance policies. One of them is the rudimentary budget cover through the Super Economy Travel Insurance. There’s also the Premier Plus policy which provides complete coverage.

Primary Insurance Policies Offered

There are three main types of travel insurance policies offered by the Post Office, namely annual multi-trip, backpacker travel cover, and single trip.

Let’s have a breakdown of each of these policies:

Single Trip

The single trip insurance will provide coverage depending on your age when you obtain your insurance policy. The Post Office website states that those who are below 71 will be covered 365 days per trip. Meanwhile, those who are 71-75 will be covered 90 days and individuals 76-85 are only covered for 31 days.

post office domestic travel insurance

As the name implies, a single trip policy will cover for you if you plan to take a single trip in the near future.

Annual Multi-trip

The multi-trip policy allows you to spread your trip abroad using a voluntary add-on. You can receive coverage of around £10 million for a medical emergency. They also have a 24/7 medical emergency helpline available.

This policy is perfect if you plan to travel several times a year without having to go through the hassles of obtaining concealment every single time.

For the single and multi-trip policies, there are five different levels available.

Here’s a detail detailing these levels alongside other important details:

All of the levels come with a personal liability cover ranging from £1-3 million. However, the Super Economy comes with various extras like death, personal accident, personal money, hospital benefits, and passport cover.

Backpacker Travel

The backpacker travel insurance is designed for backpackers who are price aware. As such, the Post Office provides two coverage options for them: Economy and Super Economy.

post office domestic travel insurance

The two policies will provide coverage for up to 18 months. Moreover, you can come back home 3 times within a span of seven days. However, you have to keep in mind that the coverage doesn’t apply if you’re in the UK.

This is often the best option if you plan an adventure trip as it covers you from sharks to safaris and more. The policy can be availed of by anyone between 18 and 60 years old. You can also avail of additional cover for business, cruise, golf, and winter sports and add any of them in the above policies but for an extra cost.

Other Policies Offered

Apart from the major insurance policies offered by the Post Office, there are also several other policies which are as follows:

This is perfect for individuals who plan to go on a golfing holiday . Through this policy, you can enjoy the following:

  • Protection in case you can’t play due to injury or poor weather
  • Coverage against injury personal liability cover and while playing
  • Coverage for your golfing equipment against theft

Cruise Cover

If you plan to enjoy the luxury of a cruise, then this policy is for you. It protects you from any unforeseen risks that might come along with cruise holidays. It comes with the following features:

  • Coverage for a delayed transport
  • Coverage for damage or stolen evening dress
  • Replacement of any lost or misplaced damaged

Winter Sports Cover

Winter sports do come with their own risks, but this policy will ensure that you can still have fun despite that. It comes with the following inclusions:

  • 24/7 medical assistance
  • Coverage for sports like ice skating and snowboarding
  • Protection from any injuries
  • Protection for a damaged or stolen equipment

Worldwide Cover

This policy ensures that you won’t suffer from any issues with your insurance when you go traveling around the world. It comes with the following features:

  • Emergency repatriation
  • 24/7 medical emergency helpline
  • Replacement for lost or stolen documents
  • Financial coverage for medical treatment in the event of injury or illness when traveling

Pre-Existing Medical Condition

post office domestic travel insurance

Post Office’s coverage for a pre-existing medical condition ensures that you can get to have fun and enjoy life despite your condition. It includes the following features:

  • Quick and easy repatriation
  • Treatment monitoring
  • Payment for any medical expenses while you’re traveling

Family Cover

This is the perfect policy if you plan to travel together with your policy. This will allow you to avoid any hassles that come with obtaining individual policies for each of your family members. It includes the following:

  • Maximum of £10 million emergency medical coverage in the event of injury or illness while traveling
  • Assistance during a vehicle breakdown missed departure or delayed public transport

Cost and Coverage

One of the main reasons why the Post Office travel insurance has managed to outdo most of its competitors in the market is its very cheap cost. In fact, it has the cheapest insurance quotes available on the market.

post office domestic travel insurance

When it comes to coverage, Post Office covers all basic forms of coverage including property damage, comprehensive coverage, and bodily injury liability among others. However, you can also gain access to special kinds of coverages that are exclusive to Post Office travel insurance members.

These special coverages come in the form of emergency road service, rental reimbursement, and mechanical breakdown insurance.

Policy Exclusions

These are the general exclusions that apply to any of Post Office’s travel insurance policies:

  • Claims due to war or act of terrorism
  • Traveling for the purpose of receiving treatment overseas
  • Traveling without heeding the advice of a medical professional
  • Personal injury caused intentionally
  • Taking part in an organized sports competition

Other Important Information about the Post Office Travel Insurance

  • Apart from providing coverage for any personal injury or illness sustained while traveling abroad, the Post Office will also offer guidance, assistance, and advice regarding legal proceedings and obtaining proper compensation.
  • When applying for any of their travel insurance policy, you can also choose to add an Excess Waiver. This will allow you to reduce your excess to zero, thereby removing the need to contribute to the cost of your claims. However, be prepared to spend an additional cost for this.
  • Even though there are only a few travel insurance providers that cover business travel, the Post Office’s policy will provide coverage for business travel that can greatly help professionals abroad. This policy will provide coverage for emergency couriers, employee replacement, equipment hire, computer equipment, and business money. This is only optional.
  • Not all optional cover types can be added to every policy type. Only the Cruise cover is applicable for the Premier and Premier Plus policies. Meanwhile, the Golf and Business cover is only applicable to Standard, Premier, and Premier Plus.
  • Various holiday activities and sports will be covered by the Post Office under the Standard policy. However, riskier activities like sailing and jet skiing won’t be covered for any personal accident claims.

Are there any special policy rules for pregnant women who travel?

There are certain limitations for pregnant women who want to travel.

post office domestic travel insurance

In line with the Complications of Pregnancy and Childbirth policy, coverage for pregnant women will only include the following:

  • Ectopic pregnancy
  • Emergency Caesarean sections and medically necessary termination
  • Gestational hypertension
  • Hydatidiform mole
  • Hyperemesis gravidarum
  • Placental abruption
  • Placenta praevia
  • Pre-eclampsia
  • Postpartum hemorrhage
  • Retained placenta membrane
  • Stillbirths and miscarriage
  • Premature births more than 8 weeks before the expected delivery date

Will the policy provide cover during a war or terrorist act?

Unfortunately, you won’t be covered for any terrorist act that doesn’t involve the use of chemical agents and nuclear weapons.

How many people are included in a family?

A family can either consist of a couple or a group consisting of up to 8 travelers.

post office domestic travel insurance

It can also include a person with his/her partner, dependent children, and dependent grandchildren below 18 years of age. Keep in mind that you will have to pay the appropriate premium for this.

Wrapping Things Up

Post Office is one of the leading health insurance companies in the UK. With their wide range of travel insurance policies, you will be able to enjoy peace of mind as you go traveling into other countries.

post office domestic travel insurance

The best part is, the policies offered by the Post Office are one of the most affordable options currently on the market.

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Allianz - Domestic Travel Insurance

Travel Insurance for Domestic Vacations

If you're planning a Caribbean honeymoon or an African safari, travel insurance is a no-brainer. You know you need medical coverage, and you can't risk losing your travel investment if something goes wrong. But what about trips within the United States? These trips are usually less expensive, and you're typically covered by your own medical insurance but what about trip cancellation and trip interruption coverage?...

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

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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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11 Best Travel Insurance Companies in January 2024

Sean Cudahy

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

  • Best travel insurance companies

Types of travel insurance

What does travel insurance cover.

  • What's not covered?

How much does it cost?

Do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

  • Frequently asked questions

Best travel insurance overall: Berkshire Hathaway Travel Protection

insurance-product-card-logo

Berkshire Hathaway Travel Protection

  • Policies are average in price.
  • Company may reimburse claimants faster than average, including possible same-day compensation.
  • Multiple types of insurance available.
  • Multiple "Trip Delay" coverage types might make claims confusing.
  • Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $56 for our sample trip, the ExtraCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

Even cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExtraCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

insurance-product-card-logo

Annual or single-trip policies are available.

  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • Cheapest option doesn't include medical coverage.
  • Rental Car Damage Protector add on is only available for higher-cost plans.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $91, about $15 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

insurance-product-card-logo

Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Car rental coverage is available as an add-on.
  • CFAR upgrade is only available for higher-cost plans.
  • Enhancement bundles will up your coverage price.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $75 for our sample trip, the Essential plan was about average.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

insurance-product-card-logo

Travel Insured International

  • More affordable than average.
  • Ideal medical-only coverage if you have trip interruption benefits from a credit card.
  • CFAR upgrade is not available as an add-on.
  • Basic plan is medical only; next level costs above average.

Travel Insured International offers several customization options. For instance, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

insurance-product-card-logo

World Nomads

  • Travelers can extend coverage mid-trip.
  • Plans automatically cover 200+ adventurous activities.
  • No CFAR upgrades available.
  • No pre-existing medical condition waivers available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($81 for our sample trip) provides less coverage than the higher-priced Explorer but can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

insurance-product-card-logo

Travelex Insurance Services

  • Coverage can be purchased after trip departure.
  • Few customization opportunities on the Basic plan.

For starters, basic coverage from Travelex Insurance Services came in at $63, nearly 17% below average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

insurance-product-card-logo

Seven Corners

  • Annual, medical-only and student plans are available.
  • CFAR upgrade is available for the cheapest plan.
  • Offers only one annual policy option.
  • Cheapest plan offers only secondary medical coverage.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Italy costs $75 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $58 for our trip to Italy — more than 20% below average.

Read our full review of IMG .

What else makes IMG great:

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

insurance-product-card-logo

  • Domestic-only coverage available.
  • Adventure sports-specific coverage is available.
  • Plans have overlap that can be hard to distinguish.
  • Claim approval can be lengthy.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $64 for our sample trip, knocking about $10 off the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

insurance-product-card-logo

  • Covers up to $300 in eligible fees incurred for redepositing points and miles for award flights.
  • CFAR upgrade is only available for highest-cost plan.
  • Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $89, the Basic plan was among the more expensive for our trip to Italy.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

insurance-product-card-logo

HTH Travel Insurance

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.
  • A 12-hour delay is required for baggage delay coverage.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $73, the TripProtector Economy policy is just below the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverage are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

What’s not covered?

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Methodology

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

post office domestic travel insurance

CBS News

Should you get travel insurance for domestic trips?

A lot goes into planning a trip. From time spent creating the perfect itinerary to money spent on travel and lodging, you have a lot invested in everything going smoothly. But life doesn't always follow your plans. Should the unexpected happen, the last thing you need to add to your stress is worry over how you'll afford to make things right.

Travel insurance can cover you in a host of situations, from flight delays to lost luggage, potentially saving you thousands of dollars . But many people don't opt for it, especially if they're not planning on leaving the country. This can be a pricey mistake.

The notion that you don't need travel insurance when you travel domestically is a common travel insurance myth . In this article, we'll explore how travel insurance can protect you when you're traveling within your own country.

How much travel insurance coverage can you get? Check out your options here.

Here are three big reasons travel insurance is worth considering , wherever your travels take you.

You can't predict the future

When you travel, there are lots of things outside your control. Illness, weather, flight delays and more can disrupt your trip or prevent you from traveling altogether. In these situations, travel insurance can reimburse you up to 100% for a number of covered reasons .

"Unfortunately, many travelers have a basic misunderstanding of travel insurance — assuming it's for people who anticipate that they may need to cancel their trip," says Michelle Couch-Friedman, travel ombudsman and the founder of Consumer Rescue. "The truth is that travel insurance is to protect travelers from unanticipated events like illness, injury — even job loss — things that will prevent the insured from completing their trip as planned."

These things are more common than many of us would like to admit. Travel insurance can protect you from them no matter how confident you are in your plans.

Air travel can be messy

"People are accustomed to not getting travel insurance because historically they haven't needed it," says travel agent and full-time traveler Veronica Hanson. "Their own experiences have taught them over the years that insurance is a waste of money. If something went wrong, companies usually stepped up and made it right for the customer. These days are a whole different story. Infrequent travelers might not realize the chaos of the airline industry these days."

Since the upheaval of the COVID pandemic, airline delays have been in the news on a regular basis. Statista reports that in 2022, Southwest Airlines flights alone were delayed about 26% of the time. American Airlines, United Airlines and Delta Airlines delays ranged from about 16% to about 22%. 

"There is no guarantee that a confirmed seat on a plane will actually get you to your intended destination," says Hanson. "A leg of your journey mid-trip can be canceled without notice, which causes a ripple effect. Hotels are sticking to their cancellation policies, meaning travelers are paying for rooms they aren't able to get to because of delays or cancellations."

Start your search for the right travel insurance policy by comparing quotes here .

Travel is expensive

"Travel insurance is highly important, especially if you've laid out a significant amount of money for your travel endeavors," says Matthew Roberts, COO and co-founder of insurance aggregator service My Choice Financial. "With everything that's happening around the world, you'll never know what's going to happen next. Having travel insurance will help you recoup the money you spend due to unforeseen events during or before your trip."

When you forgo travel insurance, you're taking a chance that may prove disastrous. The cost of a policy can be well worth it when you consider how much you stand to lose.

"Over the years, I've seen firsthand the terrible repercussions when unexpected calamities befall travelers who have taken off on vacation without the protection of a comprehensive travel insurance policy," says Couch-Friedman. "I often receive pleas for help from consumers who have been blindsided by the loss of thousands of dollars invested in dream vacations that they failed to protect by purchasing travel insurance."

The bottom line

International trips aren't the only time travel insurance can be worth purchasing. You never know what could happen, from you or your traveling companions getting sick to the airline experiencing an all-too-common delay.

You can protect the money you've spent — and save yourself unnecessary stress — by purchasing travel insurance. You can even make it more affordable by choosing the right amount of coverage and checking out these tips to save on travel insurance .

To explore your travel insurance options, start by getting  a customized price quote here now .

should-you-get-travel-insurance-for-domestic-trips.jpg

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

HTH Worldwide travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

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

Kara McGinley

Kara McGinley

Published 5:00 a.m. UTC Jan. 22, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

HTH Worldwide

HTH Worldwide

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

Along with a couple of other policies, HTH’s TripProtector Classic offers generous layoff coverage. You’re eligible if you’ve been continuously employed for at least a year, with no waiting period.

  • Preexisting conditions can be covered if you buy a TripProtector Classic plan within 14 days of your first trip deposit.
  • Best-in-class financial default coverage after only a 10-day wait.
  • Top-notch $1 million per person in medical evacuation coverage.
  • TripProtector Classic doesn’t offer a “cancel for any reason” upgrade, but the pricier Preferred plan does.
  • No “interruption for any reason” upgrade available.
  • No non-medical evacuation coverage.

HTH Worldwide overview

Created under the Worldwide Insurance Services umbrella, HTH Worldwide provides travel insurance for both business and leisure travel. Nationwide Mutual Insurance Company underwrites HTH Worldwide’s single-trip insurance plans. 

HTH Worldwide travel insurance plans

HTH Worldwide offers TripProtector plans that cover single domestic or international trips. In addition to travel protection and medical benefits, each plan includes non-insurance travel assistance such as a 24-hour emergency hotline service, destination health and security information and an online doctor search. 

HTH provides a 10-day “free look” period to give you the chance to look over your policy and cancel for a full refund if it doesn’t suit your needs. If you are not satisfied, return your policy within 10 days of receipt along with a letter indicating your reason for cancellation for a full refund (not available in NY or WA).

Economy 

HTH’s starter travel insurance plan offers basic coverages, including: 

  • Emergency medical evacuation: $500,000.
  • Emergency medical: $75,000.
  • Trip cancellation: 100% reimbursement of eligible trip costs up to $5,000.
  • Trip delay: $500 maximum (after an eight-hour delay and with a $100 per day limit).
  • Trip interruption: 125% reimbursement of eligible trip costs.

While the Economy plan also covers baggage loss, baggage delay and missed connections, it does not include rental car damage coverage or a preexisting conditions waiver. It includes accidental death and dismemberment coverage for air only. 

TripProtector Classic 

The TripProtecor Classic plan includes everything in the Economy plan and increases the travel protection and travel medical benefits. This plan gets 3 stars in our rating of the best travel insurance companies .

  • Emergency evacuation: $1 million.
  • Emergency medical: $250,000.
  • Trip cancellation: 100% reimbursement for eligible trip costs up to $25,000.
  • Trip delay: $1,000 ($200 per day after a six-hour delay).
  • Trip interruption: 150% reimbursement of eligible trip costs. 

The plan also includes a preexisting condition waiver if the insurance is purchased within 14 days of your first trip deposit, as well as accidental death and dismemberment coverage of up to $25,000 per person. Like the Economy plan, lost and delayed baggage and missed connections coverage is also included. 

TripProtector Preferred 

The TripProtector Preferred plan offers enhanced coverage but is more expensive than the Classic and Economy plans. 

  • Emergency medical: $500,000.
  • Trip cancellation: 100% reimbursement of eligible trip costs up to $50,000.
  • Trip delay: $2,000 ($200 per day after a six-hour delay).
  • Trip interruption: 200% reimbursement of eligible trip costs.
  • Optional “cancel for any reason” (CFAR): 75% reimbursement for eligible trip costs.
  • Pet medical expense: $250. 
  • Rental car damage: $35,000.
  • Accidental death and dismemberment: $50,000. 

Unlike the other two plans, the Preferred Benefits plan offers pet medical expense coverage, rental car damage coverage and optional “cancel for any reason” (CFAR) coverage . You can get a preexisting conditions waiver if the travel insurance plan is purchased within 21 days of your first trip deposit. 

This plan also includes coverage for lost and delayed baggage and missed connections. 

What HTH travel insurance covers

HTH Worldwide’s three TripProtector plans include the following coverage:

  • Travel medical insurance reimburses you for medical expenses like care, hospitalization, lab work and more if you get sick while on your trip. 
  • Emergency medical evacuation covers the cost of emergency medical transportation to the nearest adequate treatment center if you become seriously injured or ill while traveling and require immediate care. 
  • Trip cancellation insurance reimburses prepaid, forfeited, nonrefundable trip costs if you need to cancel your trip for a covered reason.
  • Trip delay coverage reimburses reasonable extra expenses, such as meals, lodging and transportation, if your travels are delayed due to reasons like a flight being canceled due to severe weather.
  • Trip interruption coverage reimburses you for unused, prepaid, nonrefundable trip expenses such as hotel nights and missed excursions if you need to end your trip early because of a reason listed in your policy, such as a child back home getting sick. 
  • Baggage loss reimburses you for luggage and personal items that are lost, stolen or damaged during transit. 
  • Baggage delay reimburses for expenses paid for items like toiletries and a change of clothes needed because of delayed baggage.

Each plan has coverage limits and time frames for when coverage kicks in (like six hours for baggage delay coverage). Be sure to read your policy to understand the limits and exclusions.

What HTH travel insurance doesn’t cover

All travel insurance plans have exclusions, or things the policy does not cover. 

Some examples of the emergency medical coverage exclusions in HTH Worldwide’s TripProtector Classic plan are:

  • Accidental injury or sickness when traveling against the advice of a physician.
  • Being under the influence of drugs or intoxicants (except when prescribed by a physician). 
  • Cosmetic surgery (except as a result of an accident). 
  • Dental treatment (except as the result of injury).
  • Suicide, attempted suicide or any intentionally self-inflicted injury.
  • Participation as an athlete in professional sports.
  • Participation in adventure sports such as canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking and sailing. 
  • Pregnancy and childbirth (except for complications of pregnancy).

Additional policy add-ons

HTH Worldwide’s TripProtector Preferred plan offers optional upgrades including “cancel for any reason” (CFAR) coverage , pet medical coverage and rental car damage coverage (not available in every state).

“Cancel for any reason” (CFAR) coverage

TripProtector Preferred policyholders have the option to purchase “cancel for any reason” (CFAR) coverage. This coverage reimburses up to 75% of your prepaid, nonrefundable trip payments or deposits if you cancel your trip for any reason at least 48 hours before your scheduled departure.

To get CFAR coverage, you need to buy it within 21 days of your first trip deposit. This benefit is not available in New York or Washington. 

HTH Worldwide travel medical insurance 

HTH Worldwide offers two plans for travelers who want travel medical insurance for international trips. Both plans are available to United States residents who are 95 years old or younger. 

Single-trip option for travelers with primary health insurance

This short-term international medical plan was created for travelers who have primary health insurance but want extra coverage for traveling abroad. The maximum benefit amounts range from $50,000 to $1 million, and deductibles range from $0 to $500. There is no preexisting condition exclusion.

The plan covers 100% of the following:  

  • Ambulatory surgical center.
  • Anesthesia.
  • Dental injury expenses ($500 maximum).
  • Diagnostic X-rays and lab work.
  • In-hospital doctor visits.
  • In-patient medical emergency. 
  • Office doctor visits.
  • Outpatient prescription drugs.

The plan covers mental health emergencies as it would any other condition. The single-trip plan also includes common travel insurance coverages like medical evacuation, accidental death and dismemberment, trip interruption, trip delay and lost and delayed baggage.

Single-trip option for travelers without primary health insurance

This plan is for those traveling abroad who do not have primary health insurance. Like the plan for travelers with primary health insurance, the benefits range from $50,000 to $1 million and deductibles range from $0 to $500. 

This plan covers 100% of the following:

  • Dental injury expenses ($300 maximum).
  • Diagnostic X-rays and lab work. 
  • In-patient medical emergency.

Like the other, this plan also covers mental health emergencies as it would any other condition. However, this plan has a 180-day preexisting condition exclusion and only covers 50% of prescription drugs. 

Expat health insurance plans

HTH Worldwide also offers two international expatriate health insurance plans for people who live or work outside their home country: 

  • Xplorer Premier: Administered through GeoBlue Insurance, this plan provides complete health insurance coverage that can be used anywhere in the world by individuals or families who intend to be outside their home country for at least three months a year. 
  • Navigator: Also through GeoBlue, this is a health insurance plan specifically designed for crew, missionary or student travelers who plan to be outside their home country at least three months a year.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

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.
  • Preexisting medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover preexisting 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.

Yes, HTH Worldwide’s three TripProtector plans cover both domestic and international travel. 

The cost of a HTH Worldwide travel insurance plan varies depending on several factors such as the traveler’s age, trip cost, trip destination and type of coverage. For example, the cost of HTH Worldwide TripProtector Classic plan for a $3,000 trip for two 30-year-old travelers heading to Mexico for eight days would be about $116.

Yes, HTH Worldwide travel insurance plans include coverage for COVID-19 in its emergency medical 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.

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

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.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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Worldwide Travel Insurance

  • We'll pay towards your medical treatment if you are unexpectedly ill or have an accident abroad ^
  •  24/7 medical helpline, we're there if you need us

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Wherever you want to visit, our travel insurance can help protect you

Do you fancy trekking across a remote rainforest in Asia? Or is having a wild time in New York more your style? Want to fly over the Niagara falls in a helicopter? Perhaps you want to take in the sights of Athens or Rome?

While you might be excited about planning your trip abroad, please don't overlook the importance of travel insurance .

Our worldwide travel insurance can protect you in over 150 countries

Whether you take out Single Trip, Annual Multi-Trip or Backpacker Travel Insurance, we can cover you almost anywhere on the globe you happen to be. If you need to confirm that we are providing cover for where you are travelling, call our helpline on 0330 123 3690. You may also want to check with the latest travel updates from the Foreign, Commonwealth & Development Office.

Our worldwide cover means you can relax while you're away

That's because, if you're unlucky enough to be involved in an accident or become unexpectedly ill on holiday and need emergency medical treatment, we'll be able to help pick up the bill. We'll even be able to monitor your situation to make sure you receive appropriate treatment. 

Our cover even includes repatriation

That's reassuring to know if you're in the USA or Canada. Emergency medical treatment there can cost hundreds of thousands of pounds. If necessary, we can even help return you home.

All medical conditions considered

Post Office Travel Insurance covers most pre-existing medical conditions. Get a quote today to see if we can cover you. If you have a serious pre-existing medical condition that Post Office Travel Insurance cannot offer cover for, the Money and Pensions Scheme (MaPS) have launched a directory listing companies that may be able to help you. The directory can be accessed by either clicking here or calling 0800 138 7777.

Ehic or Ghic may not provide enough cover

You may have heard if you're travelling in the EU a European Health Insurance Card (Ehic) that's yet to expire or its replacement, the new UK Global Health Insurance Card (Ghic), can provide you with some state-covered medical care for less. That's true, so make sure you have one for your trip, but remember they don;t cover all eventualities.

Neither card covers any additional cost for airlift rescue or to return you to the UK if needed, or for a relative to stay or fly out to be with you. In a medical emergency you may have no control over the hospital you're taken to or the closest hospital may be private. But medical travel insurance may be able to cover some of the cost for you.

Please note that, from 1 January 2021, Ehics will no longer provide access to healthcare services in Iceland, Liechtenstein, Norway or Switzerland for UK nationals in most cases, so having travel insurance with medical cover for such trips is especially important.

Our worldwide travel insurance protects you in other ways too

If your luggage gets damaged, mislaid or stolen we'll pay towards its replacement. All of our policies offer cover up to £100 for your mobile/smart phone. However, why not take out our Gadget cover ? For an additional premium, we can provide cover for your mobile phone up to £1000.

We can help out if you have essential documents like passports or travel tickets lost or stolen by paying towards their replacement.

We provide assistance if you miss your departure too. So, for example, if your car breaks down or your train or other public transport doesn't run on time, we may be able to compensate you.

Sort out your travel insurance when you sort out your holiday

Don't leave your holiday insurance to the last minute, have it in place the moment your holiday is booked. That way, you'll be covered for events that might prevent you from travelling such as unexpected illness, injury or even bereavement before you go. 

If your holiday is cancelled, we can help

Our single trip policy protects you from the moment you take out the policy. And our annual multi-trip policy is in place for a whole year, so you can be reassured knowing your holiday is protected from the policy start date you choose. For cancellation cover to begin immediately for any trips you’ve already booked, make sure you choose the date you buy the insurance as the start date for the policy.

Award-winning travel insurance provider 

We have experience in helping people on holiday all over the globe. 

We’ve been voted one of the best British Travel Insurance Providers at the British Travel Awards, by the UK public for over ten consecutive years. We're particularly proud of our achievement because those awards are based solely on the number of votes we receive from the UK public. In other words, we have people like you to thank for our success.

So wherever you are thinking of visiting, and whatever it is you want to experience, why not use Post Office to provide your worldwide travel insurance?

The availability of cover options is dependent upon the level of cover you select. Conditions and exclusions apply. For full details of what's included with your cover, check the Policy Wording .

Definitions

^ When abroad, Economy policies offer up to £5 million medical cover, Standard policies offer up to £7.5 million, and Premier policies offer up to £10 million. Terms and conditions apply, please see the policy wordings for full details.

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Post Office Travel Insurance

Single trip cover.

Offering cover for anything from a short UK break to a year of travelling around the world.

Find out more

Annual Multi-Trip Cover

Travelling more than once this year? An annual multi-trip policy could save you time and money.

Small print

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited. 

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the  Financial Conduct Authority  website and searching by Firm Reference Number (FRN).  

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Great value Travel Insurance with Australia Post

We have different plans to suit your travel needs.

post office domestic travel insurance

Learn more about our Covid-19 cover

comprehensive travel insurance aus post

International Comprehensive insurance

Premium coverage for luggage, cancellations, medical expenses and more.

post office domestic travel insurance

International Basic insurance

Budget overseas holiday cover for unexpected medical costs and personal liability.

post office domestic travel insurance

Domestic insurance

Protect your car hire, luggage and plans when travelling in Australia.

post office domestic travel insurance

Annual Multi-Trip insurance

Travelling more than once this year? You could save time and money.

Why choose Australia Post Travel Insurance?

We deliver great value cover you can depend on and make it easy for you to compare plans and find the international or domestic cover that suits your needs.

COVID-19 benefits for domestic and international plans 1,2

Choose your excess. You can choose your excess on the international travel plans, the higher the excess chosen, the lower your premium will be.

Increased luggage cover. You can increase coverage of valuable individual items with our International Comprehensive and Domestic travel plans.

Increased rental car insurance excess cover. You will have $3,000 standard cover on an International Comprehensive or Domestic plan, with the option to increase.

Skiing, snowboarding, motorcycling and mopeds. We can cover winter sports or riding motorbikes - just ask us for a new international travel insurance quote. Plus, cover for activities like abseiling, jet boating, paragliding, snorkelling, kayaking and bungy jumping is included in our policies.

Travel alert

Important information regarding Coronavirus (COVID-19) outbreak.

More information

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For help choosing a plan, or assistance with your claim, call us on 1300   728 015 Monday to Friday (8am-7pm EST), Saturday (9am-4pm EST) and Sunday (10am-3pm EST).

For urgent help while you're overseas, call our emergency assistance team - direct and toll free - using the contact numbers provided in our Help and emergencies section.

1  Medical and dental cover will not exceed 12 months from onset.

2  Limits, sub-limits, conditions, exclusions, and fees apply.

Policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant PDS and TMD before deciding to buy this insurance. For more information on these products, please contact us on 1300 728 015, email [email protected] .

Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as ​a team. We recognise their continuing connection ​to land, water and community. We pay respect to Elders ​past, present and emerging.

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    Our worldwide travel insurance can protect you in over 150 countries. Whether you take out Single Trip, Annual Multi-Trip or Backpacker Travel Insurance, we can cover you almost anywhere on the globe you happen to be. If you need to confirm that we are providing cover for where you are travelling, call our helpline on 0330 123 3690.

  27. Travel Insurance

    Post Office Boxes, Locked Bags, PO Box Plus and Common Boxes Terms & Conditions ... You can increase coverage of valuable individual items with our International Comprehensive and Domestic travel plans. ... to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) is the distributor of Australia Post Travel Insurance ...