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Travel Insurance
Best Travel Insurance Companies

11 Best Travel Insurance Companies Of April 2024

Updated: Apr 5, 2024, 2:45pm

We evaluated 39 policies and found that Travel Insured International, WorldTrips and Travel Safe are among the best travel insurance companies. We evaluated costs and a variety of coverage features to find the best options. See all our top picks.

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Summary: Best Travel Insurance Companies

Best for travel medical coverage, best for medical evacuation coverage, best for travel delays, best for baggage delays, what does travel insurance cover, what’s not covered by travel insurance, how much does travel insurance cost, what affects travel insurance costs, how to get travel insurance, do i need travel insurance, expert round-up: how to choose the best travel insurance policy, top travel destinations in april 2024, where are people headed this month.

List of January 2024 Top Travel Destinations

Methodology

Other travel insurance policies we rated, best travel insurance companies frequently asked questions (faqs), compare travel insurance quotes, compare & buy travel insurance, how we chose the best travel insurance.

We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

39 travel insurance policies evaluated
1,482 coverage details analyzed
102 years of insurance experience on the editorial team

Our Picks For The Best Travel Insurance Companies

Best for non-medical evacuation, travel insured international.

Top-scoring plan

Worldwide Trip Protector

Average price

Medical & evacuation limits per person

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

“Cancel for any reason” and “interruption for any reason” upgrades available.
Top-notch non-medical evacuation benefits of $150,000 per person.
Good travel delay and baggage delay benefits kick in after just a 3-hour delay.

More: Travel Insured International Travel Insurance Review

Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

Also included:

Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

Rental car damage and theft coverage of up to $50,000.
Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

Average cost

$150,000/$1 million

We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more. We also like that this plan has a low average cost compared to competitors.

Very good travel delay benefits of $2,000 per person after only 5 hours.
Very good missed connection coverage of $2,000 per person after 3 hours.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Premier policy.

Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
“Cancel for any reason” and “interruption for any reason” coverage.
Destination wedding coverage in case the wedding is canceled.
Baggage insurance upgrade to $4,000 per person.
Rental car theft and damage coverage of $50,000.
Political or security evacuation benefits of $150,000 per person.
Vacation rental accommodations coverage of $500 if unclean or overbooked.
Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
Hunting and fishing coverage for equipment and cancellation due to government restrictions.
School activities coverage if trip has to be canceled due a test, sporting event, etc.

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

“Cancel for any reason” upgrade available.
Superior baggage loss coverage limits of $2,500.
Great travel delay limits of $2,000 per person after a 6-hour delay.

More: TravelSafe Travel Insurance Review

$100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
“Cancel for any reason” coverage of 75% of lost trip costs.
Accidental death and dismemberment for flights, up to $500,000 per person.
Rental car damage and theft up to $35,000.
Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

BEST FOR POLICY PERKS

Cruise Luxury

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

“Interruption for any reason” benefit of $1,000 per person is included.
Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
Good travel delay benefits of $1,000 per person.

More: Nationwide Travel Insurance Review

Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
“Interruption for any reason” up to $1,000.
Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

“Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

Offers upgrades to meet the needs and budgets of many kinds of travelers.
Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
Has good travel delay coverage of $1,000 per person, with a short waiting period of 5 hours.

More: AIG Travel Insurance Review

The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
Flight accidental death and dismemberment coverage of $100,000 per person.
“Cancel for any reason” upgrade.
Rental vehicle damage coverage.
“Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
Adventure Sports Bundle for adventure and extreme activities.
Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

“Cancel for any reason” and “interruption for any reason” upgrade available.
Very good travel delay coverage of $2,000 per person.
Includes $20,000 for non-medical evacuation

More: Seven Corners Travel Insurance Review

Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
“Cancel for any reason” coverage.
“Interruption for any reason” coverage.
Rental car damage coverage of $35,000.
Sports & golf equipment rental coverage up to $5,000.
Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

$250,000/$1 million

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
Coverage for lost ski days, lost golf rounds and sports equipment rental.

More: AXA Assistance USA Travel Insurance Review

Travel delay and baggage coverage kicks in only after a 12-hour delay.
The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

“Cancel for any reason” coverage
Rental car damage coverage of $50,000.
Lost ski days
Lost golf rounds

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

Excellent trip interruption coverage of up to 175% of your trip costs.
Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

Rental car coverage for theft and damage of $25,000.
Sporting equipment coverage of $2,000.
Sporting equipment delay coverage of $500.
“Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

Very good travel delay coverage of $2,000 per person after a 5-hour delay.

More: Travelex Travel Insurance Review

Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

Medical coverage upgrade to $100,000 per person.
Medical evacuation upgrade to $1 million per person.
“Cancel for any reason” coverage of 75% (up to max of $7,500).
Accidental death and dismemberment coverage of $200,000 per person for flights.
Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
Car rental collision coverage of $35,000.
Adventure sports upgrade to cover activities that would otherwise be excluded.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

Top-notch coverage limits for medical expenses and evacuation.
Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
Very good travel delay coverage of $2,000 per person after a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
Rental car coverage of $35,000 for damage and theft.
“Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
Includes $25,000 per person in non-medical evacuation benefits.
Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.
Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
“Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

These policies offer the highest level of medical coverage among the plans that we judged to be the best.

These policies offer the highest level of emergency medical coverage among the plans in our top picks.

These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best.

Nationwide’s Cruise Luxury policy offers the highest maximum coverage for delayed baggage among the plans that were our top picks.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

Injuries from high-risk activities such as scuba diving.
Problems that happen because you were drunk or using drugs.
Medical tourism such as going abroad for a face lift or other elective procedure.
Lost or stolen cash.

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

You can buy travel insurance from a travel agent, website or a travel supplier like an airline or cruise company. We’ve bought travel insurance online and it’s relatively easy. In our experience you can purchase a policy online within a few minutes.

Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. We suggest that you check your health plan details to see what it provides outside the U.S. Travel medical insurance fills the gap.

You’re Going to a Remote Area

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You’re Traveling to a Hurricane-Prone Destination

If you’re concerned about hurricanes or other severe weather affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

Your destination is under a hurricane warning.
Your destination is uninhabitable due to severe weather.
Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

Here is our top advice on key considerations for choosing the best travel insurance policy.

Americans are ready to take trips abroad in April: 89% of travel insurance purchases for trips taking place April 1-30, 2024, are for international trips, based on our analysis of policy sales.

Italy is the top international destination for trips this month, followed by Mexico and Great Britain. In addition:

The average trip cost being insured for people traveling outside the U.S. in April is $5,984.
The average trip cost being insured for folks traveling within the U.S. this month is $4,041.
Americans traveling internationally are paying an average of $332 for their travel insurance policies for April trips and domestic travelers are paying an average of $227.

List of April 2024 Top Travel Destinations

Average trip cost for popular destinations.

Spending on trips in March to five frequently visited countries is up significantly compared to February, based on our analysis. Italy and Mexico trip costs in March are the highest they’ve been in the past 14 months.

Here’s how much more travelers are spending on trips in March compared to February for the following destinations, on average. Numbers reflect the average of non-refundable trip costs being insured.

Italy. $6,690 more
France. $3,970 more
Great Britain. $665 more
Japan. $2,885 more
Mexico. $5,040 more

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

Couple, age 30 for a Mexico trip costing $3,000.
Couple, age 40, for an Italy trip costing $6,000.
Family of four for an Italy trip costing $15,000.
Family of four for a France trip costing $15,000.
Family of four for a U.K. trip costing $15,000.
Couple, age 65, for an Italy trip costing $6,000.
Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

While these policies were not among our winners, they may still be good options based on your travel needs. Many of these plans have lower coverage limits, which may be suitable depending on your trip.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes an estimate of your prepaid, non-refundable trip cost, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

Next Up In Travel Insurance

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Travel Insurance for Parents Visiting the U.S.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Travel map, best travel insurance for europe

4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Home | Travel | 4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Planning on taking an extended trip soon? Long-term travel insurance is the perfect choice for travelers who are embarking on a long-term trip and need medical- and travel-related coverage.

Of course, insurance for long-term travel isn’t necessary for every traveler, particularly if you don’t take trips that are longer than three months. However, long-stay travel insurance is useful for anyone who is studying abroad, working abroad temporarily, taking a gap year, or simply traveling for a long period of time.

When I first moved to the US, I wasn’t sure if I would stay permanently, so I purchased a long-term travel insurance policy from Heymondo , knowing that it would save me money and give me coverage if I experienced any medical emergencies. It was exactly what I needed at the time.

5% OFF your travel insurance

As soon as I decided to live in the US permanently, I switched to insurance with more medical coverage beyond emergency situations since extended-trip travel insurance is not suitable for expats who want routine medical care.

If extended-stay travel insurance is what you need, keep reading, because we have compared the best long-term travel insurance plans (Heymondo, World Nomads, Travelex, and SafetyWing) and can help you choose which of these is best for your trip.

What is long-term travel insurance?

Long-stay travel insurance coverage comparison

Long-stay travel insurance price comparison
Best long-term travel insurance companies

Long-term travel insurance is insurance for anyone taking a long-term trip who needs medical expenses and trip-related coverage. Any trip that lasts a minimum of 90 days and a maximum of one or two years (depending on the long stay travel insurance company) is considered a long-term trip.

Like other travel insurance, insurance for long-term travel provides medical- and travel-related coverage for incidents like emergency medical care, trip delays, baggage loss, and repatriation. It is not suitable, however, for anyone who is permanently living abroad, especially because it only covers emergency medical expenses and not routine medical care.

Long-term travel insurance vs. annual, multi-trip travel insurance

So, is long-trip travel insurance the same thing as annual, multi-trip travel insurance ? They might sound similar, but actually, insurance for long-term travel and annual travel insurance is completely different.

Long-term travel insurance is insurance for long trips that last three months or more, while annual travel insurance covers multiple shorter trips that happen within one year. With annual travel insurance, trips are restricted to 30-90 days, so it’s not a useful option if your trip will last any longer than that. Annual travel insurance is also only helpful if you’ll be taking at least four or more trips a year.

If you are going on a single, long-term trip or are taking multiple trips within a year that will last longer than 90 days, long-stay travel insurance is the best choice for you.

Who is insurance for long-term travel for?

There are several reasons you might need insurance for long-term travel . You might be taking an extended trip, working abroad, embarking on a gap year, or more. Below are the most common and useful reasons for buying travel insurance for long-term travel :

Extended stay travel insurance for long trips

If you’re about to take a long trip that will last at least three months, you will definitely want to have travel insurance coverage, particularly for emergency medical expenses.

Long-term travel insurance will work out to be the most affordable option for your trip, especially if you don’t plan on returning to your home country before 90 days have elapsed. If you plan on going back home before 90 days have passed, then annual, multi-trip travel insurance might be more helpful for you.

Long stay travel insurance for working abroad

Are you about to be working from another country for an extended but temporary period? Having travel insurance for working overseas is a must, as it’s very possible that you’ll need emergency medical care at some point during your time abroad.

Remember to put your country of residence as your home country, not the country you will be working in temporarily. Otherwise, you will not be covered since long-term travel insurance usually does not provide coverage in your designated country of residence.

Travel insurance for expats

Although it may seem like a great idea to use long-term travel insurance as travel insurance when moving abroad , long-stay travel insurance is not intended for expats. Long-stay travel insurance only covers emergency medical expenses, so it’s not suitable for someone who lives abroad permanently and will need routine medical care and check-ups.

On top of that, whatever country you move to will now be your country of residence. Insurance for long-term travel does not generally provide coverage in your designated country of residence, so you may not be eligible for coverage anyway.

Long-stay travel insurance for students

It’s incredibly exciting to study abroad, but accidents and mishaps can and do happen, so avoid paying for emergency medical expenses and replacing stolen valuables with your own money by getting extended-stay travel insurance .

Having long-term travel insurance coverage will be especially useful if you plan on taking weekend trips to other countries that are close to the country where you are studying abroad; you can still receive the same coverage for those smaller trips (just make sure to select worldwide coverage or, if you’ll just be traveling in Europe, Europe/EU coverage).

Round-the-world trip insurance

Taking a long-term trip around the world is many people’s dream. If you are lucky enough to get to live out that dream, it’s easy to make sure your extended-stay travel insurance worldwide will cover you everywhere you want to visit.

Just make sure you select “worldwide” or “around the world” coverage when you purchase your extended-trip travel insurance . That way, you won’t have to buy individual long-term travel insurance policies for each country you visit. Best of all, you’ll be covered for any spontaneous stops you make while traveling the world.

One-way travel insurance, the best gap year travel insurance

If you’re planning on spending a full year traveling the world, travel insurance for long trips abroad is exactly what you need. You’ll benefit from worldwide emergency medical coverage, so you can receive treatment if you get injured or fall ill, as well as travel-related coverage for baggage loss and trip delays.

I recommend purchasing a one-way travel insurance plan from Heymondo or SafetyWing since both companies allow you to renew your plan from month to month. That way, if you end up coming home unexpectedly early, you won’t lose out on any money.

Insurance for digital nomads

ith so many jobs transitioning to working from home right now, it’s easier than ever to work remotely from anywhere in the world. If you have the opportunity to travel the world while working, take it, but make sure you purchase digital nomad travel insurance before you leave.

You’ll want your insurance coverage to include electronics (laptop, tablet, etc.) so that you can easily replace these crucial pieces of technology for working remotely if they get lost or stolen. Additionally, if you’ll be trying to check a lot of places off your travel bucket list, choose worldwide coverage so that you’ll have the freedom and insurance coverage to go wherever you want.

There can be many considerations to keep in mind when purchasing long-term travel insurance , but coverage is certainly the most important aspect to consider when selecting the long-stay travel insurance you want to buy.

Below, you’ll find a long-stay travel insurance comparison that shows you the differences in coverage among the Heymondo, World Nomads, Travelex, and SafetyWing plans.

Long-term travel insurance price comparison

If you want a better idea of how much long-term travel insurance costs based on the length of your trip and/or the specific coverage you choose, below is a chart comparing the prices of 1-month, 3-month, 6-month, 8-month, and 1-year long-term travel insurance as well as the prices of long-stay travel insurance, annual multi-trip travel insurance, and cancellation insurance.

The price of long-term travel insurance will be impacted by several different factors, including your age, nationality, and state of residence (if you live in the US).

To give you an idea of how much insurance for long-term travel costs, I’ve used the example of a 30-year-old American citizen who lives in Pennsylvania and needs worldwide coverage to generate quotes for this long-stay travel insurance price comparison .

Best long-term travel insurance

As you can see from the charts above, each of the four long-term travel insurance plans I compared has its merits.

Heymondo offers the highest emergency medical expense coverage, plus it’s the only insurance for long-term travel that pays your medical expenses upfront, so you don’t need to file a claim after your trip to get reimbursed. I will say, however, that it’s not the cheapest long-haul travel insurance and it does have a deductible of $100 for emergency medical expenses. Still, I do think it is the best long-term travel medical insurance if you want ease and convenience.

SafetyWing ’s Nomad Insurance also provides very good coverage, but their deductible for emergency medical expenses is $250. In spite of this slight drawback, SafetyWing stands out as the best insurance for digital nomads since you can sign up for a plan and it will automatically be renewed every four weeks.

Travelex , on the other hand, has the cheapest travel insurance for long-term travel (for trips of six months or more). For shorter trips, there are other, cheaper options. Travelex’s plan has no deductible, but its emergency medical coverage is also very limited, so I would think twice before going on a long-term trip with such a small amount of coverage.

Last but not least, World Nomads offers the best gap year travel insurance. The emergency medical expense coverage is perhaps a little low, but it is at least higher than Travelex’s medical coverage. There is no deductible for medical expenses, but you will need to pay out of pocket and then file a claim to get reimbursed if you receive emergency medical treatment.

As you can see, the best long-stay travel insurance for you will depend on your needs and type of trip, so keep reading to learn more about each plan.

1. Heymondo , the best long-term travel medical insurance

Personally, I consider Heymondo the best long-term travel medical insurance since its Top plan provides the highest amount of emergency medical expenses and evacuation and repatriation coverage. It’s also one of the only types of travel insurance with COVID coverage that covers COVID testing required by a doctor. Moreover, you can easily extend your plan by anything from two weeks to eight months whenever you want to.

Heymondo, insurance for long-term travel

Best of all, you won’t have to worry about waiting to get reimbursed for medical expenses since Heymondo pays your medical expenses directly and upfront for you, removing the hassle of the claim-filing process. Heymondo also makes it easy to tailor your insurance for long-term travel to fit your needs since you can add optional electronic and/or adventure sports coverage to your plan.

Heymondo’s Top plan does have its limitations, though. There is a $100 deductible for medical expenses, which means you’ll have to pay $100 towards any medical bills before Heymondo pays the rest for you. This long-stay travel insurance also lacks trip cancellation coverage; you will need to buy that coverage independently here.

If you want cheap long-term travel insurance , Heymondo is ideal; its plans already provide very good value for the money, plus you can save an extra 5% on their insurance with the discount link below.

Heymondo is also the best travel insurance company for single trips. We currently have their travel insurance and have used their assistance app more than once. Heymondo has always been there to help us when things go wrong during our trips.

2. World Nomads , the best gap year travel insurance

If you’re taking a gap year, you’re probably interested in breaking out of your comfort zone and having a real adventure. In that case, World Nomads is the perfect travel insurance for living abroad for a year and trying new things.

World Nomads, extended-stay travel insurance

Its Standard plan includes adventure sports and activities coverage, so you can try everything from trekking and ice fishing to hockey and horseback riding and still be covered for accidents and injuries. Moreover, you’ll benefit from solid overall coverage for emergency medical expenses, evacuation and repatriation, trip cancellation, trip delay, and baggage loss.

Even better, there’s a $0 deductible for medical expenses, so you won’t have to pay a cent out of pocket toward your medical bills. However, World Nomads’ long-term travel insurance is the most expensive out of all the ones I compared, so if you want to save a lot of money and get similar or better coverage, Heymondo may work better for you.

3. Travelex , the best travel insurance for long-term travel

Travelex ’s Travel Select long-trip travel insurance has a lower amount of emergency medical coverage than the other insurance plans I have compared, and I personally wouldn’t feel protected traveling with such a low amount of medical coverage on a long-stay trip. However, Travelex is a viable option if you’re traveling on a budget for more than six months because it’s really cheap (and has a $0 deductible for medical expenses)!

Travel-related coverage is another story since Travelex has the highest amount of trip cancellation and trip delay coverage of all the plans I compared. It’s the best plan to choose if you anticipate experiencing any travel mishaps. You’ll also enjoy great baggage loss and evacuation and repatriation coverage.

If you would rather benefit from more medical coverage for a similar price, Heymondo is the best choice for you.

4. SafetyWing , the best insurance for digital nomads

SafetyWing ’s Nomad Insurance lives up to its name by being the best insurance for digital nomads . Not only is Nomad Insurance a cheap long-stay travel insurance , but it also provides a high amount of medical-related and baggage loss coverage.

On top of that, you can choose to have your insurance renew itself automatically every 28 days. Automatic renewal will save you time and money; ensure you don’t forget to renew so you’re always covered; and provide you with more flexibility if you haven’t decided when to end your trip yet. Just select a start date (but not an end date) when you buy Nomad Insurance and keep renewing until you want to go home, at which time you can select an end date.

Nothing’s perfect, however, and unfortunately, SafetyWing’s Nomad Insurance is no exception. There’s a $250 deductible for medical expenses, which means you’ll have to pay $250 out of pocket for medical treatment before SafetyWing will cover medical expenses for you.

SafetyWing also lacks trip cancellation coverage, which can be very useful if you have to cancel a trip due to weather, illness, injury, or many other reasons. If you want a lower deductible, go with Heymondo instead, and if trip cancellation coverage is important to you, choose World Nomads or Travelex .

What does long-term travel insurance cover?

The best travel insurance for long-term travel will usually include the following types of coverage:

Emergency medical expenses : This is probably the most important type of coverage as well as the coverage you are most likely to need while traveling. Accidents, injuries, and illnesses can happen at any time, so having emergency medical expense coverage will ensure that you don’t have to pay out of pocket for hospitalization or medical transportation.
Evacuation and repatriation : Hopefully, you’ll never have to use evacuation and repatriation coverage, but it is useful to have. Insurance for long-term travel with evacuation and repatriation coverage will pay for the transportation costs of taking you from a remote area to the nearest hospital or sending you back to your home country if you fall seriously ill or have an accident.
Trip delay : Unfortunately, travel does not always go smoothly; your flight could be delayed due to inclement weather or an airline issue. If that does happen, long-stay travel insurance ’s trip delay coverage will cover expenses, such as meals and accommodation, that are incurred because of a several-hour delay.
Baggage loss : Even when you take precautions to keep your belongings safe, there’s still a chance an airline could lose or damage your bags, or a pickpocket could take your purse. In any case, long-term travel insurance with baggage loss coverage will reimburse you for any valuables that are lost or damaged, so you won’t have to replace them with your own money.

Is long-term travel insurance worth it?

Ultimately, yes, long-term travel insurance is worth it for extended trips, working abroad temporarily, and taking a gap year. It’s also a great alternative for international student insurance . In all of these situations, insurance for long-term travel will ensure that you get the medical- and travel-related coverage you need without having to break the bank.

Zion, long-term travel insurance as travel insurance when moving abroad

As you’ve seen in the long-term travel insurance comparison chart above, Heymondo is the best long-stay travel insurance in terms of medical coverage. It offers the highest amount of emergency medical expense and evacuation and repatriation coverage.

Heymondo’s extended-stay travel insurance also provides the convenient flexibility of being able to renew your policy for periods from two weeks to eight months, which is perfect if you haven’t yet decided when you’ll end your trip. To top it all off, you can even get 5% off their insurance just for being a Capture the Atlas reader.

If you’ll be traveling for more than six months and you’re looking for the cheapest long-stay travel insurance, then Travelex may be better for you. Just be aware of their plan’s lower amount of medical coverage.

If you have any questions about long-term travel insurance, feel free to comment below and I will happily help you out!

Ascen Aynat

Comparativa de los mejores seguros de viaje 2024 Covid-19 - Cuándo contratar un seguro de viaje - Seguro de viaje para estudiantes - Seguro de viaje Erasmus

22 replies on “ 4 Best Long-Term Travel Insurance in 2024 (w/ Prices) ”

Hi Ascen, we are US citizens and plan to spend about 6 months of the year in California and 6 months abroad. We have lived in California and in the past had insurance with our jobs which will now be no more. So the question is when we are are in California what is our insurance option so we can visit doctors, dentists etc. Thank you

Hi Sonu, you need standard health insurance for California and travel insurance for traveling out of the States. Travel insurance won’t cover routinary medical appointments.

Let me know if you have any questions, Ascen

Good day. Could I get overlapping coverages to address different issues? Does any of these cover rental car collision insurance during any portion of the stay? If not, what do you recommend for that?

Yes, you can hire different travel insurance to get different coverages. That is no problem.

Hi my husband was diagnosed with mestatic melonma in 2021, Weve been traveling back and forth to Moffitt overvs year now. Weve paid out over $7000 just in lodging. Do you have a plan for this??

I’m sorry about that but there is no insurance that can cover that. That is not an unforeseen issue that occurred during a trip that is mostly what travel insurance cover.

Hi There is an age limit on Heymondo 49+ not included. I am 60. Can you recommend any long stay travel insurance for this age group? Thanks Karan

Hi Karan, I recommend checking our article on senior travel insurance for the best options for you.

Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage.

Hi Marisas, please take into account that these long-term travel insurance are travel insurance. That means that they don’t cover routine health checks or chronic diseases. They only cover you under unforeseen problems. For example, if you hire one of these long-term travel insurance and have a car accident during a trip and need surgery, the travel insurance will cover but it won’t cover cancer treatment, for example.

Hi can you recommend a travel insurance for a 7 month European trip for wife and self age 59 CA residents- many thanks

Please check the coverage for the insurance recommended in this article and choose the one that is best for you.

Hi Were planning to travel continuously for one year to Europe, Asia & med cruise. Is there a travel insurance that can cover this? Most insurances will require you to go back to your home country (US) after 60 to 90 days. Thanks

Hi Nate, I don’t believe you need to get back to the US with the Heymondo Long-Term Travel Insurance. Have you checked it out?

Hi Ascen We are a male 57years and female 58 years and we are travelling to south Africa to include Botswana Namibia Mozambique,Angola Zambia and Lesotho, we are shipping our car from Australia into south africa and will be travelling for two years we both hold Australian and UK passports Could you please recommend a medical insurance for this trip , we are not to bothered about trip cancellation baggage etc any help would be appreciated We have used world nomads previously but would consider others as well Thank you ag and rg

Hi Antony, that trip sounds amazing! If you’re doing a long-term trip like that one, I recommend Heymondo since they pay all medical expenses in advance. Just be aware of the 100$ deductible per claim.

Said that their price is very competitive and they have very high coverage.

Looking for long term insurance for cancel for any reason plus Covid coverage.

I recommend purchasing separately a long term travel insurance with Covid Coverage (I recommend this one ), and a cancel for any reason policy.

Interesting that this features Travelex and then notes: “Can get similar or better coverage for a more affordable price” From whom?

As you can see in the different comparison charts (coverage comparison chart and price comparison chart), Travelex is the one with the lower coverage, by far, and it’s only worth checking for 6-month insurance or more.

Let me know if you have any questions,

Hi Melanie, no you don’t need it. You will need just long-term travel insurance and you will be covered wherever you go. Also in your home country as long that you’re traveling there and use the insurance just for emergencies (not regular checks, ongoing problems, chronic diseases, and things like that). In your situation, I think the long-term travel insurance of MONDO is your best bet.

Best travel insurance companies of April 2024

Amy Fontinelle

Heidi Gollub

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

Updated 3:40 a.m. UTC April 1, 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 .

WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options. Use this rating to compare top travel insurance plans and find the best match for your next trip.

Best travel insurance companies of 2024

WorldTrips: Best travel insurance .
Travel Insured: Best for emergency evacuation .
TravelSafe: Best for missed connections .
Aegis: Best for traveling with a pet .
Travelex: Best for traveling with kids .
AIG: Best for add-on coverage options .
Nationwide: Best for cruise itinerary changes .

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. 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.

Travel insurance quotes comparison

Top-rated travel insurance companies , best travel insurance.

Top-scoring plans

Medical limit per person, medical evacuation limit per person, what you should know.

Two WorldTrips plans top our rating of the best travel insurance: Atlas Journey Preferred and Atlas Journey Premier.

The Preferred plan is more affordable and provides $100,000 per person in emergency medical benefits as secondary coverage, with an optional upgrade to primary coverage. Atlas Journey Preferred is also the best travel insurance for cruises .

For a little extra, you can buy the Premier plan, which 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 the 5-star travel insurance plans.
Atlas Journey Premier has $150,000 in primary medical coverage.
Both plans have top-notch $1 million per person in medical evacuation coverage.
Each plan includes travel inconvenience coverage of $750 per person.
12 optional upgrades, including destination wedding and rental car damage and theft.
No non-medical evacuation coverage.

Best for emergency evacuation

Travel insured.

Top-scoring plan

Travel Insured Worldwide Trip Protector travel insurance offers $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits. If you’re looking for the best travel insurance for international travel, consider the Worldwide Trip Protector plan.

Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
$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 for missed connections

If you’re worried that missed connections could disrupt your trip, it’s worth considering TravelSafe. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

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 top-scoring travel insurance plans.
No “interruption for any reason” coverage available.
Weak baggage delay coverage of $250 per person after 12 hours.

Best for traveling with a pet

Go Ready Choice by Aegis has the most affordable travel insurance of the top-scoring companies in our rating. It offers basic coverage limits with optional add-ons, such as a Pet Bundle that includes pet medical, pet kennel and pet return benefits.

Cheapest of the top-scoring travel insurance plans.
Optional pet bundle adds pet medical expense and pet return benefits.
Low emergency medical and evacuation limits.
Low missed connection benefit of $500 per person for cruises and tours only.
Low baggage and personal items loss benefit of $500 per person.

Best for traveling with kids

If you’re traveling with children age 17 or younger, you’ll appreciate not having to pay extra for their coverage when you buy a Travel Select plan from Travelex Insurance Services.

Free coverage for children 17 and under on the same policy.
Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
Hurricane and weather coverage after a common carrier delay of any amount of time.
Low emergency medical coverage of $50,000 per person.
Non-medical evacuation is not included.
Low baggage delay coverage of $200 requires a 12-hour delay.

Best for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of optional upgrades. These 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. This is a good option if you’re looking for foreign travel health insurance.

Bundle upgrades allow you to customize your 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 for cruise itinerary changes

Evacuation limit per person

Nationwide’s Cruise Choice plan 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, when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
Non-medical evacuation benefit of $25,000 per person.
Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
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” upgrade available.

Compare the best travel insurance companies of 2024

Methodology

Our travel insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. 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.
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.

What does travel insurance cover?

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems:

Bankruptcy of a travel company, such as your airline or tour operator.
Dangerous weather conditions .
Delayed and lost luggage.
Illness or death in your family that requires you to stay home or cut your trip short.
Illness that needs medical attention.
Injury requiring medical evacuation.
Jury duty.
Travel delays and missed connections.
Theft of your personal belongings while traveling.
Unexpected job loss.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages.

Trip cancellation insurance

As soon as you buy a travel insurance plan that includes trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy. These reasons generally include unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business.

If you cancel your trip for a covered reason, you can expect to be reimbursed for 100% of your prepaid, nonrefundable travel expenses.

For even greater flexibility, some travel insurance plans offer a “ cancel for any reason ” (CFAR) upgrade. This optional coverage allows you to pull the plug on your trip for any reason at all, as long as you do so at least 48 hours before your scheduled departure.

Adding CFAR coverage will increase the cost of your plan and it’s important to note that this coverage typically only reimburses 50% or 75% of your expenses, depending on the policy.

Travel delay insurance

Once your trip is underway, inconvenient delays can be expensive. Travel delay insurance reimburses you for unexpected expenses you incur after a certain waiting period, such as five hours. If your travel is delayed longer than that time because of a reason in your policy, such as severe weather, your benefits can cover needs like airport meals, transportation and even overnight accommodation.

This coverage usually has daily limits as well as a maximum limit. For example, a travel insurance plan may provide trip delay coverage of up to $150 per day with a $2,000 maximum.

Trip interruption insurance

If you need to end your trip early — again, for a reason listed in your policy — trip interruption insurance comes into play.

Say a close family member back home is involved in an accident and you need to rush back to be by their side. Trip interruption benefits can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home.

Travel medical insurance

Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S.

The best senior travel insurance provides ample travel medical coverage because Medicare does not cover health care outside of the U.S., except in very limited circumstances.

The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling.

Many travel insurance plans cover medical treatment for COVID-19, but not all do. The best COVID travel insurance has generous emergency medical and emergency medical evacuation benefits.

When comparing plans to find the best medical travel insurance for international trips, check to see if the coverage is primary. If the travel medical insurance coverage is secondary, you will need to file a claim with your health insurance before you can file a travel insurance claim.

Emergency medical evacuation

If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling.

Depending on your location and medical condition, emergency transportation could cost tens of thousands of dollars. Our top-scoring travel insurance plans all offer coverage of $1 million.

Baggage delay coverage

If you arrive safely at your destination but your bags do not, this coverage can help. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you may need while waiting for your bags to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200.

Baggage loss and personal effects coverage

Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics. If you’ll be traveling with your laptop or other valuables, read your policy carefully to make sure they’re covered.

What travel insurance doesn't cover

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

Accidents or injuries caused by drinking or drug use.
Canceling your trip because you changed your mind.
Ending your trip early because you changed your mind.
Losses caused by intentional self harm, including suicide.
Losses due to war, civil disorder or riots.
Medical tourism.
Medical treatment for pre-existing conditions.
Mental health care.
Natural disasters that begin before you buy travel insurance.
Non-medical evacuation.
Normal pregnancy.
Medical treatment related to high-risk activities.
Routine medical care, such as physicals or dental care.
Search and rescue.

Most travel insurance companies offer a free look period when you buy a policy. Take this time — which might be anywhere from 10 to 21 days — to carefully review the plan’s coverages and exclusions, and request a full refund if it doesn’t meet your needs.

“For trip cancellation coverage, travel insurance plans will only cover you for very specific covered reasons listed in a plan’s description of coverage,” said Stan Sandberg, co-founder and CEO of TravelInsurance.com. “If an event is not listed as a covered reason, it won’t be covered unless the consumer opts for a ‘cancel for any reason’ policy.”

“Cancel for any reason travel insurance” upgrade

For the greatest flexibility to cancel, consider adding “cancel for any reason” (CFAR) coverage to your travel insurance plan. This will increase the cost of your policy, but will typically reimburse you for 75% of your trip expenses if you decide to cancel your trip.

A CFAR upgrade also usually has a number of requirements, such as buying it within seven to 14 days of making your first trip payment and insuring the full amount of your travel costs. But, it will give you the freedom to cancel your trip for any reason, as long as you do so at least two days before your scheduled departure.

Adding CFAR coverage typically increases the cost of your travel insurance plan by 50%.

Make sure you’re covered: Best COVID travel insurance

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance.

Squaremouth recommends the following coverage limits for international travel:

Emergency medical coverage: At least $50,000.
Medical evacuation coverage: At least $100,000.

If you’re going on a cruise, or to a remote location, Squaremouth recommends:

Emergency medical coverage: At least $100,000.
Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance to be policies with at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage.

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips , according to our analysis. Two WorldTrips plans — Atlas Journey Preferred and Atlas Journey Premier — top our rating of the best travel insurance. But the best travel insurance for you depends on the trip you are planning and the coverage areas that are most important to you.

Make sure you’re covered: WorldTrips travel insurance review

Best travel insurance for cruises

The best cruise travel insurance is WorldTrips Atlas Journey Preferred. This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason”

The best cancel for any reason (CFAR) travel insurance is Seven Corners Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average travel insurance cost is 5% to 6% of your trip costs.

How much you pay for travel insurance will depend on how expensive your trip is, how many benefits the insurance provides and the age of the covered travelers.

Here are average costs per trip by travel insurance plan, based on our analysis of rates.

Travel insurance cost examples

Average travel insurance costs are based on rates for seven trips with a variety of traveler ages, trip costs and destinations. Travel insurance plans have different levels of included benefits, which can account for price differences.

What affects travel insurance costs?

How much you pay for travel insurance will depend on:

The cost of your trip.
Your destination.
The length of your trip.
The ages of travelers being insured.
Your state of residence.
The travel insurance policy you choose.
The total coverage amounts in your policy.
Any travel insurance add-ons you select.

How travel insurance works

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said Clark. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

How to get travel insurance

To buy travel insurance, you’ll need to submit an online application with information about yourself and your trip, such as your name, age, permanent address, destination, travel dates and total trip cost per person. Since the application is simple, you can easily get quotes from multiple companies on your own.

Even easier, you can get multiple quotes by submitting a single application online through a travel insurance comparison site like Squaremouth.

How to choose which travel insurance is best for you

When shopping for travel insurance, consider the coverages that are most important to you. For example:

Travel medical insurance. If you need travel health insurance for international travel, you’ll want a high limit for medical expenses, such as doctor and hospital bills, ambulance, X-rays and medicine. The best travel insurance for seniors includes ample travel medical insurance because Medicare generally does not pay for health care outside of the U.S.
Emergency medical evacuation. If you’re planning a trip to a remote destination, make sure your travel insurance plan has high limits for emergency evacuation. Squaremouth suggests $50,000 to $100,000 of medical evacuation coverage for most trips but recommends $250,000 for travel to remote locations.

You’ll also want to consider common exclusions , such as:

Adventure sports. Many travel insurance plans exclude coverage for risky activities such as skiing and scuba diving. Read the fine print of a policy to see what is excluded, or look for a travel insurance company that specializes in covering adventure sports trips, such as World Nomads.
Named storms. If a hurricane is named before you buy travel insurance, it’s too late to buy coverage and cancel your trip because of the storm.
Normal pregnancy. Normal pregnancy typically isn’t covered by travel insurance. If you get pregnant after you buy travel insurance, you may be covered for pregnancy-related reasons, but you’ll need to provide medical proof that pregnancy started after your purchased travel insurance.
Pre-existing medical conditions. If you have dealt with a health issue — even allergies or asthma — look closely at this common exclusion. Travel insurance plans typically have look-back periods, which could be 60, 90 or 180 days before you bought the policy. If you had symptoms during that time, your claim could be denied if your condition flares up while you’re traveling. If you’re shopping for the best travel insurance for pre-existing conditions, look for plans that offer a pre-existing medical condition waiver. You’ll be eligible for this waiver if you meet specific terms, such as buying travel insurance within days of making your first trip deposit and insuring the full value of your trip.

When to buy travel insurance

The best time to buy travel insurance is immediately after making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. Like other types of insurance, your policy needs to be in place before something goes wrong. It won’t cost you any extra to buy travel insurance far in advance of your trip, and it will cover a longer period of time.

“Purchasing a travel insurance policy at the time of making an initial trip payment offers travelers the most peace of mind,” said James Clark, spokesperson for Squaremouth.

“Knowing they are protected if unforeseen events such as medical emergencies, inclement weather, natural disasters and other trip disruptions occur allows travelers to approach their trip with less worry and more confidence.”

You’d have a hard time buying travel insurance before booking anything because you’d have nothing to insure, Clark said. “With that said, travelers are able to purchase a policy and make modifications, such as updating travel dates or adding expenses to the insurance policy, as they continue to make their travel arrangements.”

You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing condition waiver or to buy a “cancel for any reason” upgrade.

Where to buy travel insurance

You can buy a travel insurance plan:

Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Using a travel insurance marketplace that will give you quotes for multiple policies is a great way to compare coverage options and pricing to find the best policy for your trip. Buying a policy directly from a travel provider is convenient and might be fine, but it might not meet your needs.

“If a traveler is heading to the Caribbean with the intention of going scuba diving, it’s unlikely that the policy offered by the airline would cover that activity,” Clark said. “Shopping around for insurance opens the door to other policy providers that may offer a policy that checks all of a traveler’s boxes.”

In addition, while flight insurance , which may be offered through a partnership with a travel insurance provider like AIG or Allianz, may cover travel delays and cancellations, it might not protect you if you get sick during your trip, Clark said. “We highly recommend travelers read the policy’s fine print before making a purchase so they know what’s covered,” he added.

Top 10 travel destinations

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past.

Here are the top destinations travel insurance customers are traveling to — and how much they’re spending on these trips — according to Feb. 2024 data from Squaremouth.

Source: Squaremouth. Based on travel insurance purchased from Jan. 14 to Feb. 13, 2024.

Travel insurance trends in 2024

Here are some key travel insurance trends in 2024:

As spending on trips continues to rise , so will the price of travel insurance policies.
People are planning trips further in advance and purchasing 2024 travel insurance earlier, making them eligible for perks like cancel for any reason (CFAR) coverage and a pre-existing conditions exclusion waiver.
Emergency evacuation, medical coverage and trip interruption remain top concerns for travelers, increasing the search for comprehensive travel insurance plans with more robust coverage — even if it costs more.

“As Americans continue to spend more on vacations, they have more to lose if they need to cancel or return home early. A travel insurance policy is an efficient and cost-effective way to protect that financial investment for trips in 2024,” said InsureMyTrip senior vice president Suzanne Morrow.

Best travel insurance FAQs

WorldTrips has the best trip insurance, according to our analysis. Two of its plans — Atlas Journey Preferred and Atlas Journey Premier — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically.

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits.

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department.

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events.

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

Travel Insured International — Rental car damage and theft coverage of $50,000.
WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible.

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations.

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Editor’s Note: This article contains updated information from previously published stories:

Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
‘Just a parade of incompetency’: Spirit Airlines passengers with ‘nightmare’ stories want more than apology, $50 vouchers
‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
Hurricane Irma: Flight cancellations top 12,500; even more expected
Is an annual travel insurance policy right for you?
How 2020 and COVID-19 changed travel forever – and what that means for you
COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
Sunday: Snow is over, but flight cancellations top 12,000
After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
What’s the difference between travel insurance and trip ‘protection’?
How to choose the right travel insurance for your next vacation
Travel insurance can save the day
Angry passengers brawl after Spirit cancels flights
What to do when travel insurance doesn’t work
How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
Travelers will pay and worry more on summer vacation this year. But they won’t cancel
How to find a hotel with COVID testing and quarantine facilities wherever you travel
Yearning to travel in 2022? First, figure out your budget – then pick a destination
Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
These days, forgetting these important travel items could cost you thousands of dollars
International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
Should you travel during the holidays? Americans struggle with their decision
‘There’s still pent-up demand’: What you should know about fall travel
Planning for life after coronavirus: When will we know it’s safe to travel again?
‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
Considering a camping trip this summer? Tips to make sure your gear is good to go
RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
Five myths about travel agents
Should I buy travel insurance?
Is travel insurance stacked against you?
Five myths about travel insurance and terrorism
These eight things could get your travel insurance claims rejected
There’s a good chance that your credit card already gives you some kind of travel insurance coverage
How to avoid a hotel cancellation penalty
Change fees and travel insurance continue to rise

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.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

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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June 1, 2020

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How Much Does Travel Insurance Cost?

Average cost of travel insurance
Why are there different prices?
Find out what it costs to insure your trip

If you’re asking yourself, “how much is travel insurance?”, then you’ve come to the right place. To give you an idea of what travel insurance might cost relative to your trip, we’ve put together some highlights for you. Read on to learn more about how much travel insurance costs, what travel insurance can do for you and decide for yourself if the price is worth it.

Also read: Is Travel Insurance Worth It? 3 Examples Where it Pays Off

What does travel insurance cost?

While travel insurance costs vary, the average is somewhere between 4-12% of your total trip cost *.

If you’re on the fence, then consider this: an emergency situation can cost tens of thousands of dollars, but the insurance plan might be a fraction of your trip cost . If you find yourself in this scenario, then it’s easy to justify the additional upfront expense for a travel insurance plan.

At Generali Global Assistance, we offer three different plans—Standard, Preferred and Premium—which we have laid out in a handy side-by-side comparison . Each plan has a different cost, but as you step up, you receive additional coverages and coverage limits. And, whether you’re purchasing by phone or online, it doesn’t matter; the price is the same.

Generali was selected as "Best Value" travel insurance by Business Insider

How We Calculate Your Travel Insurance Price

When you enter your information into our quote form, have you wondered what happens behind the scenes to get you the right price for travel insurance?

It’s simple to get a quote to insure your trip. You only need to answer a handful of questions and an instant later we give you custom prices for your trip and the choice between three plans with different levels of protection. You can get the quote in an instant, but in the background we’re crunching numbers to make sure you get an accurate price for the coverage you need.

We’ve found the sweet spot to ask you the right questions to offer you the best price we can, while making the quote form easy to fill out. Consider this when shopping around: If a company is asking you too few questions, they may not be able to find the most accurate price for your travel situation.

Find out more about the factors that affect the price of a travel insurance quote

Why the different costs? Coverage differences between plans

Before choosing a travel insurance plan, here’s a snapshot of some of the coverage differences for each plan:

• Medical and Dental coverage reimburses you for necessary medical, surgical and emergency dental care costs if you get sick or accidentally injured while on your covered trip. Coverage is in excess of your standard coverage , except where prohibited. It’s included in all three plans but the per person limits vary from $50,000 for Standard to $150,000 for Preferred and $250,000 for Premium.

• Trip Interruption is one of the most common reasons for making a travel insurance claim. Trip Interruption coverage provides reimbursement for unused, non-refundable, pre-paid trip costs if your trip is interrupted due to a covered event. Also, it provides reimbursement for additional transportation costs to return home or rejoin your group. Benefit limits vary by plan: 125% for Standard, 150% for Preferred and 175% for Premium.

Find out why you shouldn't just buy the cheapest travel insurance

• If you’re traveling with sports gear, then Sport Equipment Coverage is for you. It provides coverage for lost, stolen or damaged sporting equipment and is available with the Preferred plan up to $300 per person and Premium plan up to $500 per person, but not available in the Standard plan.

• If you have a Pre-existing medical condition , you could still have coverage, but only through the Premium plan . See if you meet the requirements and read the sample Description of Coverage or Policy for full details. Also, the Premium plan must be purchased prior to or within 24 hours of final trip payment.

Learn more about travel insurance: • What is Travel Insurance? • Travel Insurance Comparison: How to Choose the Right Plan • Top 5 Reasons to Get Travel Insurance

For a relatively small amount of the total trip cost, you can purchase travel insurance that can help protect against common mishaps like Trip Interruption , Trip Cancellation and Trip Delay . Costs can add up quickly for emergency medical care or events like a cancelled flight due to adverse weather or lost or stolen baggage . As a general rule of thumb, if you’re investing more in your vacation than you can afford to lose, then consider travel insurance from a reputable provider such as Generali Global Assistance .

If you’re still asking yourself, “how much does travel insurance cost?”, then you can get right to the point—plug your trip details into our Get a Quote page and find out exactly how much travel insurance will cost for your trip. And, if you need help buying travel insurance online, check out our Step-by-Step Purchase Guide .

*Actual travel insurance cost will vary depending on trip details.

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Travel Erudition

How much does travel insurance cost for 3 months?

There is no one answer to the question of how much travel insurance costs for 3 months, as the price will vary depending on a number of factors. These can include the destination(s) you will be visiting, the length of your trip, the activities you plan on undertaking, and your age and health. That said, it is generally advisable to purchase travel insurance for any trip lasting more than a week or two, and 3 months of coverage should typically cost less than $100.

This is a difficult question to answer as there are many variables to consider when estimating the cost of travel insurance. Some of the things that can affect the cost include the age of the travelers, the destination(s) being visited, the length of the trip, and the type of coverage that is desired. Generally speaking, travel insurance can range anywhere from a few dollars per day for basic coverage to over $100 per day for more comprehensive plans. For a more accurate estimate, it is best to get a quote from a travel insurance provider.

What is the average cost of Travelers insurance?

If you’re debating whether or not to get travel insurance for your next trip, consider the average cost of 4-12% of your total trip. While this may seem like a lot, an emergency situation can cost tens of thousands of dollars. In comparison, the insurance plan is a fraction of your trip cost.

When considering travel medical insurance, it is important to keep in mind that the cost of the policy will typically increase with higher coverage limits and longer coverage terms. However, travel medical insurance is typically very affordable, with policies averaging between $40 and $80.

Do you pay monthly for travel insurance

The premiums shown are based on the number of coverage days chosen, the age of the person, the policy maximum and selected deductible.

If you’re planning on taking a longer trip, you’ll need to make sure you have the right travel insurance in place. Long-stay travel insurance is designed to cover you for trips lasting up to 18 months, so it’s worth considering if you’re going on a longer holiday or gap year. Most standard travel policies will only cover you for holidays of up to 31 days, so if you’re planning a longer trip it’s important to get the right cover in place. Some single-trip policies will cover a three-month stay, so it’s worth checking the small print before you buy.

Which insurance is best for travel insurance?

There are a lot of different travel insurance companies out there, and it can be tough to decide which one is right for you. We’ve done some research to help you compare the best travel insurance companies so that you can make an informed decision.

Starting Price: Travelex: $24 Allianz: $138 InsureMyTrip: $25-$100 World Nomads: $100-$200

Coverage Limit: Travelex: $25,000 Allianz: Starting at $3,000 InsureMyTrip: Varies World Nomads: $2,500-$10,000

Travelex is the best overall travel insurance company, with Allianz coming in as a close second. InsureMyTrip is the best value, and World Nomads has the most comprehensive coverage.

A comprehensive travel insurance policy is one that covers a wide range of potential problems that could occur while you are traveling. This type of policy usually includes coverage for delays, cancellations due to sickness or death, lost luggage, and some emergency medical costs. Having comprehensive travel insurance can give you peace of mind while you are away from home, knowing that you are covered in case of any unforeseen problems.

Is it cheaper to buy travel insurance separately?

If you’re planning on taking a trip, it’s a good idea to get single trip cover as soon as you book your break. That way, if you need to cancel your trip for any of the reasons covered by your policy, you’ll be protected. Single trip cover is usually cheaper than an annual policy, so it’s a good option if you’re only planning on taking one trip.

If you’re considering buying travel insurance, it’s important to know that trip cancellations and interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered. This means that if you cancel your trip because you’re afraid of contracting the coronavirus, for example, you likely won’t be able to get your money back. So, before you purchase travel insurance, be sure to read the fine print and understand exactly what is and isn’t covered.

How do I get the best deal on travel insurance

When you are choosing a travel insurance policy, it is important to make sure that it includes the country or countries you are planning to visit. You should also consider how many trips you are likely to take in a year and whether an annual policy or single trip cover would be more cost effective.

It’s always a good idea to buy travel insurance as soon as you know your travel dates. That way you’re covered if your trip is cancelled before you even leave or if you’re unable to travel at all.

How long should I buy travel insurance?

You should buy a travel insurance plan within fourteen days of booking for your holiday. This will ensure that you are covered in case of any unforeseen circumstances such as sickness, injury or cancellation.

Travel insurance is a must when booking a trip! It’s possible you might have to cancel your trip for a number of reasons and travel insurance will protect you financially in the event that you have to cancel. I highly recommend taking out travel insurance as soon as you book your holiday.

Can I get travel insurance for 90 days

If you’re planning a trip of up to 90 days, a 90-day travel insurance policy could be a cost-effective option. This type of policy could cover you for things like medical expenses, cancellation, delay, and personal belongings.

As you age, your risk of both diagnosed and undiagnosed illness increases, as does your likelihood of needing to file a claim on your travel insurance policy. Some insurers only offer coverage up to a certain age as a result.

Why is travel insurance so expensive?

It is important to remember that when you are planning a longer holiday, your travel insurance may be more expensive. This is because the longer you are away, the more likely it is that you will have an accident, become ill, or lose some personal belongings. By having travel insurance, you can have peace of mind knowing that you and your belongings are covered in the event of an emergency.

Medical insurance covers you in case you become ill or injured while traveling. Cancellation/interruption insurance covers you if you have to cancel or interrupt your trip for a covered reason. Luggage insurance covers you if your luggage is lost, stolen, or damaged while you’re traveling.

This is a difficult question to answer without knowing more about your travel insurance needs. Generally, travel insurance policies are priced based on factors such as the length of your trip, your age, the destination(s) you’ll be visiting, and the type(s) of coverage you need. As a result, the cost of a travel insurance policy for three months can vary widely. To get an accurate estimate of how much a travel insurance policy would cost for your specific situation, you should contact a travel insurance provider.

Based on the research, it appears that travel insurance costs an average of $500 for 3 months. However, travel insurance rates can vary significantly depending on the length of the trip, location, type of coverage, and the age of the traveler. Therefore, it is important to shop around and compare rates before purchasing travel insurance.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

3-Month Travel Insurance Policies UK

If you’re planning on embarking on an adventure for 3 months, a 90-day travel insurance policy is what you should be on the lookout for. Whether you’re embarking on a volunteering project abroad, a gap year , a solo backpacking adventure, or a family holiday, if you need travel insurance for a 3-month trip you’ll be able to find the right policy with us.

Many people have annual travel insurance policies with their bank or as part of their financial arrangements, but these will not usually cover a 3-month trip. The maximum individual trip duration on most annual policies is usually 31 days or 45 days, and these periods cannot be extended. For longer durations, you need to select a Long Stay Travel Insurance which is intended for an extended stay abroad, such as a 3-month trip.

Lucky for you, here at Navigator Travel Insurance we specialise in UK Long Stay Insurance, with these policies covering trip durations extending from 2 months to 18 months. In this article, we aim to share with you all of the details you should consider before securing travel insurance for a 3-month trip. With this, you can embark on your next adventure with the peace of mind of knowing that you’re covered whether you’ll be voluntarily teaching in Africa, hiring a motorcycle in America, or visiting your family in Australia.

What Does 90-Day Travel Insurance Cover?

Before choosing any travel insurance policy, it’s important to understand exactly what you are covered for whilst you are embarking on your travels. Like most standard travel insurance policies, travel insurance for a 3-month trip often covers you for the following:

Damage, Loss, or Theft of Your Luggage

If your baggage is lost, damaged, or stolen whilst you are travelling, you are normally covered for the costs associated with this. It’s not uncommon for baggage to be damaged or lost, especially if your journey involves multiple layovers, which is why your travel insurance for a 3-month trip can come in handy in offering you compensation for your losses.

Long-stay travel insurance for your 3-month trip will cover you up to a certain amount if your baggage is stolen, lost, or damaged, meaning you should get some level of compensation to cover your possessions. Make sure that you read the terms of your policy to determine the maximum amount of compensation that you can get, as you want to make sure that this will cover any, or all, of your possessions if they are to be lost, damaged, or stolen.

Emergency Medical Expenses

If you find yourself needing emergency medical attention whilst you’re on your travels, your 90-day holiday insurance policy should cover you for this. Before you embark on any adventure away from home, there’s always a chance that you will be involved in an accident or sustain an injury. Thus, you want to ensure that you are covered with a suitable travel insurance policy for any medical bills you wrack up as a result of this and that you are able to return home if you’re too ill to continue your travels.

Holiday Cancellation or Curtailment

90-day travel insurance policies should cover you for holiday cancellation or curtailment. This means that, should an event occur in which you have to cancel or cut your trip short, any expenses that you incur as a result of this should be partially, or fully, covered by your insurance provider.

What Does 3-Month Travel Insurance Not Cover?

Whilst it’s important to consider what your travel insurance for a 3-month trip does cover, it’s equally important to research what it does not cover too. Travel insurance for 90 days will offer you important cover, such as cancellations and baggage loss, theft, or damage as mentioned above, but there are some things that they often don’t cover you for, which we’ve detailed further below:

Injuries or Accidents Related to High-Risk Activities

There may be certain activities that are covered by your 90-day travel insurance policy but, normally, this excludes high-risk activities. This is because these activities are deemed more dangerous than other low-risk activities, meaning that there’s a higher chance that you may get involved in an accident or sustain an injury.

These high-risk activities may include rock climbing, bungee jumping, or even winter sports. So, it’s important to chat with your insurance provider to see if you’ll need additional cover to add to your 3-month travel insurance policy if you’ll be partaking in these types of activities.

Accidents Related to Drugs or Alcohol Misuse

If you get involved in an accident whilst under the influence of drugs or alcohol, any claim that you make on your 90-day holiday insurance policy is likely to be rejected. It may be easy to get carried away in the excitement of your trip, but should you get involved in an incident whilst you’re under the influence this can have serious financial and legal repercussions and can place others at unnecessary risk.

Travel to Regions Against Government Advice

If you’re choosing to travel to countries or regions around the world that the Foreign, Commonwealth, & Development Office (FCDO) advises against, you should take into account that your 3-month holiday insurance policy will likely not cover this. We always advise staying up to date on the FCDO advice on which regions are safe to visit and which aren’t, as this can change at any time and at short notice.

Pre-Existing Health Conditions

If you have a pre-existing health condition, you’ll need to discuss with your travel insurance provider whether you will be covered under their 3-month travel insurance policy.

If you have long-term or pre-existing medical conditions such as Crohn’s disease or Diabetes, this means you may have to have more in-depth conversations with a travel insurance provider to find a suitable travel insurance policy for you. In light of this, a standard 3-month travel insurance policy may not be suitable for your personal circumstances.

Change of Heart

If you simply decide closer to your departure time that you don’t want to embark on your trip anymore, this will not be covered by your 90-day travel insurance policy. The only circumstances in which you may be able to claim on your travel insurance plan is if the reasons for you not departing on your trip are a result of extenuating circumstances that are out of your control, not because of a change of heart.

How Much Does 3-Month Travel Insurance Cost?

Travel insurance pricing varies as it depends on the type of 3-month travel insurance policy you choose, and the level of cover that this offers. With each type of policy, you’ll find different inclusions and exclusions, and normally you’ll find that the more expensive the policy is the more you are covered for.

Here at Navigator Travel, we offer 90-day travel insurance policies including our Standard Long Stay or Silver and Gold Long Stay Policies. You can chat with us about the costs associated with each of these policies, or our specific volunteering , backpacker, or gap year policies which will cover you for 3-months of travel too.

Call us today on 0161 973 6435 or chat with us via our online contact form to find the best travel insurance for 90 days for you and the costs this will incur.

Depending on your age, you may not be covered on certain long-stay holiday insurance policies for your 3-month trip, or you may have to pay more because of your age. This is because, as we grow older, we may be more likely to need to access healthcare or receive treatment on our travels.

If you’re an older individual looking to purchase a travel insurance policy with us, the maximum ages for our long-stay holiday insurance policies here at Navigator Travel are:

69 or 75 years for our Longstay and Backpacker Policy
59 years for our Gold and Silver Policies

However, if you’re over 65, we offer our over 65s travel insurance policies specifically for you, which are suitable for a range of trips, including those of 3 months in length. Cover for older adults can be offered for up to 94 days on our Travel Plus Policy, and for up to 6 months on our Adventures Policies. Get in touch with us now to find out further details .

Your Health

If you have a pre-existing health condition, you may have to pay more for your 3-month travel insurance policy. This is because you may be more likely to need to receive specialist medical treatment whilst you’re travelling.

It is always worth discussing with your travel insurance provider what your medical circumstances are before purchasing a policy. This may mean that additional cover needs to be added to your chosen policy, which is what incurs additional costs. But, this additional cost is always worth it to ensure that you remain happy and healthy on your travels.

Duration of Your Trip

If you’re planning to travel for extended periods, this means that your insurance policy costs more than it would for say a 1-week trip or a 2-week getaway. This is because you will be covered for a longer period of time. Whilst travel insurance for a 3-month period may not be too expensive, it will be more expensive than travel insurance for a few days or weeks, so this is something to bear in mind before planning your trip.

Your Destination

The destination that you’re travelling to may mean that your travel insurance policy costs more or less than it would in another destination. For example, the price for a travel insurance policy for a trip to the USA is more expensive than that of a policy for the same period of time, and with the same inclusions, for a holiday in Europe. This is down to destinations around the world being ranked based on how ‘high risk’ they are, and the USA is viewed as a higher risk destination than Europe. This is something that you should bear in mind when considering travel insurance pricing.

Your Luggage and Personal Possessions

If you have lots of expensive items in your luggage and on your person, you’ll want to make sure that these will be covered by your insurance policy if they are lost, damaged, or stolen. But, the more expensive the items you have, the more expensive your insurance policy will be to cover these. For example, if you plan on taking multiple expensive gadgets, jewellery, or other items with you on your travels, your policy will likely cost more. You can purchase a more expensive policy or pay a higher premium on your insurance if you are planning on taking multiple expensive items with you on your travels.

Activities You Plan To Do

Whenever you visit a new destination, it’s likely that you’ll be planning on partaking in some exciting activities that you may not be able to experience at home or that you have always had on your bucket list, which will leave you with some fantastic memories of your travels.

But, depending on the activities you want to partake in, it’s likely that you’ll need to add additional cover to your insurance or choose a more expensive insurance policy, especially if these activities are high-risk. Activities including winter sports, high-altitude trekking , and skydiving are considered to be extreme activities and would need additional insurance to be added on top of your 90-day insurance policy, incurring extra costs.

3-month Travel Insurance: Frequently Asked Questions

Can you get travel insurance for longer than 90 days.

Yes, you can get travel insurance for longer than 90 days. Our long-stay travel insurance policies will cover you for trips that range in length from anywhere from 2 months up to 2 years, in some cases. So, if you plan on travelling for longer than your originally intended 90-day trip, you can definitely opt for a long-stay travel insurance policy that will cover you for your travels.

Will I Be Able To Visit Multiple Countries?

It is possible to visit multiple countries on a long-stay travel insurance policy, but this does need to be noted when you are choosing your insurance plan and will likely bring the cost of your policy up.

Our multi-trip policies here at Navigator Travel will cover you for an unlimited number of short trips (ranging from 31 to 62 days) within a 12-month period. So, if you’re looking for multi-trip travel insurance for 90 days, we can help.

Can I Extend My Travel Insurance While I’m Away?

Here at Navigator Travel, our insurance policies are flexible to your needs, meaning that you can extend the duration of your trip whilst you’re away. We don’t want to ever hinder your desire to travel, so if you want to keep making amazing memories during your adventures, you can do so by lengthening your trip whilst you’re still on it.

If you have any queries or need assistance with quotes or booking, please do not hesitate to call us on 0161 973 6435 or email [email protected]

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The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

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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 International Travel Insurance Companies.

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Allianz Travel Insurance
AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

Acts of war
Claims due to air or water pollution
Claims due to natural disasters
Epidemics not specifically included in coverage
Extreme, high-risk sports
Government regulations or proclamations
Nuclear radiation and contamination
Terrorist events
Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

Allianz Travel Insurance: Best Overall
AIG Travel Guard: Best for the Cost
Generali Global Assistance: Best for Medical
World Nomads Travel Insurance: Best for Active Travelers
GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

Trip cancellation coverage up to $100,000
Trip interruption coverage up to $150,000
Emergency medical coverage up to $50,000
Emergency medical transportation coverage up to $500,000
Trip change protector coverage worth up to $500
Baggage loss and damage coverage up to $1,000
Baggage delay coverage up to $300 (12-hour delay required)
Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

Trip cancellation coverage worth up to 100% of the trip cost
Trip interruption coverage worth up to 100% of the trip cost
Baggage coverage worth up to $750
Up to $200 in coverage for baggage delays
Travel medical expense coverage worth up to $15,000
Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

Trip cancellation coverage up to 100% of the trip cost
Trip interruption coverage up to 175% of the trip cost
Travel delay coverage up to $1,000 per traveler ($300 daily limit)
Up to $2,000 per person in baggage protection
Up to $2,000 in coverage for sporting equipment
Up to $500 per person for baggage delays
Up to $500 per person for sporting equipment delays
Up to $1,000 per person in protection for missed connections
Up to $250,000 per person in coverage for emergency medical and dental procedures
Up to $1 million in coverage for emergency assistance and transportation
Up to $25,000 per person in rental car coverage
Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

Up to $10,000 in coverage for trip cancellation
Up to $100,000 in coverage for emergency medical expenses
Up to $500,000 in protection for emergency medical evacuation
Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

9 Best Travel Insurance Companies of April 2024

Holly Johnson

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Travel Insurance for Europe: 4 Best Options for 2024

Learn about a range of coverage options for traveling abroad.

The Best Travel Insurance for Mexico in 2024

Find coverage options for medical emergencies, travel delays, lost baggage and more.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
Your credit card may come with some travel protections, but it may not be enough.
When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

Regular international travelers (three or more trips abroad yearly)
Road warriors frequently away for work
Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
Cruisers and tour group travelers
Students or retirees taking extended trips throughout the year
Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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General Europe
Thoughts on trave...

Thoughts on travel insurance for a 3 month trip to Europe

I have read a lot of posts about trip insurance for Europe., but seem to be more for short term trips or long expat stays. So, I am going to be in Europe for 81 days in multiple countries. (This is my first trip to Europe) I am thinking about travel insurance and have come up with the following plan. Would like to know if it makes sense to people who have traveled and spent longer periods of time in Europe. (66 yo solo traveler, in reasonably good health, but you know things could always go south). While I have booked many hotels with free cancellation, many of them require 14-30 days cancellation notice. It seemed like it gets pretty expensive to book 20 places and pay extra for no cancelation clauses. I am picky about where I stay so I have been inclined to pick places to stay that meet my aesthetic rather than a no cancellation fee. Anyway....

Traveling by train once I reach Europe, no airplanes.

Medijet evacuation insurance, cost $315, you never know I have Medigap part G so I have some foreign travel insurance, but figure that if something happens I may have some costs, but if I have medijet I can get back to the US quickly and take advantage of my US medicare insurance. So would think that 50k in medical insurance would be enough, but is it better if this is primary or secondary? Don't want to use up all of my medigap benefits, but don't want to pay for it and not use it?

Medical evacuation outside of medijet, seems like this just comes with policies, but do I need to get from wherever whatever happens to a hospital? So am thinking probably should have somewhere between 50-100k here?

Trip cancellation/interruption. So since this is a long trip I am thinking I should only have to worry about the next two weeks at any given time, (not going to worry about airfare). Planning on $2000=$2500. I have not yet contacted an insurance company to see how that works but would appreciate any input from folks that have traveled for longer periods.

I have Medigap part G so I have some foreign travel insurance

You are covered for "necessary" emergency care that happens in the first 60 days of your arrival abroad. It is not travel insurance, per se, and if you require emergency care in the 3rd month of your trip, you are not covered.

First thing, the length of your trip may knock you out of a lot of policies. Many have a limit of 60-day trips. You may want to explore an annual travel insurance policy. (When I did this I found the evacuation coverage was a lesser dollar amount than single-trip plans.) Read any policy you consider before you chose it. If the policy does not say something is included, it is not included. Medical evacuation: haven't seen a policy that allows the customer/patient to decide they can "quickly leave" a hospital to get care at home. The insurer will decide when and if you can be evacuated, in consultation with medical staff caring for you. Recently a friend spent about 10 days in a German hospital after developing blood clots in her lungs. She was not able to fly until this was under control. She did not require medical evacuation AND could not have used it. Does the evacuation insurance provide for travel of a family member to come to you while hospitalized? Especially if you are a solo traveler, you may want to have this.

Re this: Medical evacuation outside of medijet, seems like this just comes with policies, but do I need to get from wherever whatever happens to a hospital? If covere, it would be covered by medical insurance...ambulance, helicopter; not evacuation. Evacuation is from the foreign land to the homeland.

Trip cancellation/interruption, from my reading of policies I've had (Allianz), is for first and last day: getting to your first destination and returning home from your last destination.

Good luck with your search. Here's hoping you buy something good and never have to find out if it actually is.

Allianz has an annual policy that could be a work around for the 60 day limit.

I think MedJet, if you require hospitalization, will let you choose to go or not go, but don't trust me in that, read the fine print. Their policies, I believe, come with a cash advance. I have a policy, but just don't remember and never used it.

I also have an Allianz policy, but its an expat full medical policy. You could buy it and cancel it, but mine isn't cheap at about $250 a month. I know tgey have other, cheaper policies.

We carry an annual policy from Allianz and a MedJet Horizon policy. Allianz covers international travel for 90 days at a time. In addition our Medicare Supplemental Policy has some limited international coverage in terms of the amount they will cover. We are prepared to cover the medical costs and seek reimbursement from both insurers. Allianz will get us to a hospital where we are traveling and MedJet will to a hospital at home. Cost for two of us was +$2,000.

Do consider that things are probably going to be less expensive in Europe. I dont want to overly generalize, but so far my experiences have been remarkably good. I can not imagine any country's healthcare system letting you die till you pay. In the few countries I have had situations requiring care it as been very reasonable; like 10% of what it would cost in the U.S. The care in Hungary and Ukraine was every bit as good as in the US, in Romania it was a bit "iffy" but got the job done, In Hungary I use the private system and I have paid $350 for what would have been $6,000 cash in the US or if the insurance would have covered it my deductable is $250. I am signed up for a procedure that will cost about $6000 in Hungary but would not less than $3500 in the US with insurance IF the doctor and hospital do not charge more than what the insurance considers "customary and normal" and my experience is that I what ever the doctor and hospital charges the insurance company will find a way to exclude a large chunk making the Hungarian cost no more than the US with insurance.

The point is, buy coverage if it makes you more comfortable, but buy 10% to 25% what you would be comfortable with in the US. That and the evacuation policy will probably net you out the same as staying home and being sick.

Cost for two of us was +$2,000.

Wow. I know what portion of that is the Medjet, I can't imagine paying that much for a health insurance travel policy for 3 months.

Mister E makes an excellent point - Medjet makes a lot of sense, combined with a travel health insurance policy for much lower coverage limits given the economics of the lower overall costs in Europe vs the US...

The Allianz premium was $1400 for two for one year. My wife and I travel more than 4 to 6 months internationally out of the year. So as long as we return to the USA every 90 days we are covered internationally. If you were to shop travel insurance on a trip by trip basis it will more than likely be considerably more than our annual premiums for both Allianz and MedJet. If you are employed then your health insurance more than likely will cover medical costs in a foreign country.

My Blue Cross/Shield covers me overseas, but I also buy American Express coverage for medical evacuation and coverage overseas.

I usually pay about $60 for my wife and self for a month's coverage (1 million dollars)

I just looked at a 90 day Allianz plan with $10K medical, cancelation insurance and some sort of evacuation (but didnt read the details) and it was under $500.

Ed, your cost and mine are the same for annual Allianz AllTrip Premier coverage (plus Medjet Horizon). Yes, it could be cheaper by buying a different plan with lower medical coverage and/or reducing trip cancellation/interruption coverage and/or buying Medjet Assist. I find it odd that people are so quick to criticize without knowing which insurance is best for a individual. I do my research ad nauseum to choose the coverage that makes me comfortable. When I buy insurance for next year, I will evaluate what coverage I need or want at that time. The insurance cost is only a fraction of the trip cost, especially when divided between multiple trips.

A lot of YouTuber's that do travel content have mentioned SafetWing, https://safetywing.com/ , for health coverage. When I retire in the next 5 or so years, I plan on doing a multi-month trip throughout Europe.

Enjoy your time.

horsewoofie, I hope you didn't think I was critical? Not at all, just throwing out options for the OP. My insurance is about $250 a month, plus MedJet. It's what I needed to be comfortable the 7 or 8 months I am in Europe each year. Maybe next year I will re-evaluate.

It's what I needed to be comfortable the 7 or 8 months I am in Europe each year.

Mister E, how are you able to spend that much time in Europe without running afoul of the Schengen rules?

Great thoughts here! Becky, point taken about medical evacuation in that you may not be able to be evacuated in which case you are still in Europe and incurring medical expenses. Also, good points about costs being less than the US, but still think I will go for 100k.

I have been using squaremouth to do comparisons. One thing that came up was extension of coverage. Seems like it might be a good idea to have a policy that covers this in case you are in the hospital and can't get home by original planned trip end date.

Right now best prices/best coverage seems to be Tin Leg, IMG and AXA, but devil is in the details and still looking at that. Has anyone had experience with AXA? This is from Nationwide Insurance Co.

Jojo, I keep moving .... quickly .... weaving in and out .... and having Residency in a Schengen country doesn't hurt.

But prior to getting Residency, what many overlook, is a third of Europe is not in Schengen ... the third I enjoy most.

Tin Leg, IMG and AXA.

We have used them all, never had a claim. During covid times they were very good at allowing us to make numerous changes to our trips. Since things kept getting delayed.

One thing if you are going to go through Squaremouth set your medical coverage as Primary to get your quote.

Thank you everyone who provided input. I ended up purchasing from IMG, primarily because they were the only policy of reasonable cost that provided good medical coverage and had a 20 day period from first non refundable purchase to purchase date of insurance policy in order to get the pre-existing condition waived for medical. 250k for medical 500k for medical evac. It does not have insurance for medical evacuation for non medical reasons, but does include 40k in car rental insurance and I will be doing some car rental. The next option would be 7 corners which has double the medical and evac coverage, plus evac for non medical reasons, no car rental. Not sure if it is worth the extra $130, but I do have a day to think about it. At this point I do not think I am going to purchase medjet as it would add another $350 to my cost since my trip is 81 days and I would have to purchase an annual policy.

Since I will be doing multiple trips during the next year, currently in Denmark, Italy in October, Oaxaca in December and Ireland in May 2024, I purchased a very extensive policy from Allianz for a full year. Medical emergency including air , trip interruption, every conceivable issue I might encounter...$800 for a year.

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Best Annual Travel Insurance in 2024

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If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable.

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts.

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this.

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000.

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions.

Includes up to $1 million for emergency medical evacuation.

Optional add-on for adventure sport activities.

$0 deductible available.

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage.

Low $250 deductible.

Includes coverage for semi-private hospital rooms.

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption.

Emergency medical evacuation included.

Trip delay reimbursement coverage.

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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 Chase's website

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℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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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COMMENTS

Average Cost Of Travel Insurance 2024
The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 trip, the average travel insurance cost is ...
Average Cost of Travel Insurance in April 2024
The Nerds dove deep into over 50 real world coverage price points to get a clearer sense of typical travel insurance costs in 2024. On average, travelers should expect to pay 6.87% of their total ...
11 Best Travel Insurance Companies in April 2024
The best travel insurance policy for you will depend on what you want covered. ... Best 3 month CD rates; Best 6 month CD rates ... Read our full analysis about the average cost of travel ...
How to Find the Best Travel Insurance
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 ...
11 Best Travel Insurance Companies Of April 2024
It typically adds 3% to 10% to your travel insurance cost. ... Italy is the top international destination for trips this month, followed by Mexico and Great Britain. In addition:
Travel Insurance Quotes
Compare travel insurance quotes to find the right coverage for your trip. Read 1000s of trip insurance reviews by travelers like you & buy from InsureMyTrip! 800-487-4722
Average Cost Of Travel Insurance 2024
While the average cost of travel insurance for a 20-year-old traveler is $224, the average cost increases at age 60 to $420 and to $907 for an 80-year-old. Find the best coverage: Best senior ...
Long-Term Travel Insurance for Extended Stays
For long-term travel of up to six months, it's a good idea to look into a travel medical plan, which can offer you the additional health care coverage you may need while abroad for an extended period of time. Travel Medical plans may offer not only coverage for emergency care, but also emergency evacuation coverage.
4 Best Long-Term Travel Insurance in 2024 (w/ Prices)
Long-stay travel insurance. Purchase for 3 months, then renew as many times as you want for up to 8 months at once. You can buy up to 6 months at once. You can buy up to a year at once. You can buy up to a year at once or renew every 4 weeks. Annual, multi-trip travel insurance. $197.96.
Best Travel Insurance Companies of April 2024
Atlas Journey Preferred is the cheapest of the 5-star travel insurance plans. Atlas Journey Premier has $150,000 in primary medical coverage. Both plans have top-notch $1 million per person in ...
How to Buy Travel Insurance for Long Trips
Some have a maximum trip length of 45 days; for others, it's 90 days. Allianz Global Assistance offers four plans that can protect trips of up to 180 days: OneTrip Basic is an economical plan with emergency medical and other post-departure benefits. Trip cancellation and trip interruption benefits have maximum limits of $10,000, so make sure ...
Best travel insurance companies of April 2024
Travel insurance is a one-time cost that's usually between 4% to 10% of your total trip cost. The average premiums in our study of the best travel insurance ranged from $152.24 to $827.62.
Best Long-Term Travel Insurance
Travel Guard. $259. Travelers going to destinations where safety may be a concern, as security evacuation is included in the coverage. Pre-existing medical conditions are not covered by this ...
Travel Insurance Costs and Quote Calculator
It's included in all three plans but the per person limits vary from $50,000 for Standard to $150,000 for Preferred and $250,000 for Premium. • Trip Interruption is one of the most common reasons for making a travel insurance claim. Trip Interruption coverage provides reimbursement for unused, non-refundable, pre-paid trip costs if your ...
Best Long-Term Travel Insurance
InterMedical is USI Affinity Travel Insurance Service's lower-cost plan, while WorldMed is slightly more expensive and offers additional features. ... Plans start at $48.08 a month for up to $250,000 in medical coverage. Why SafetyWing didn't make the cut: You can't choose your deductible amount; SafetyWing only offers a $250 option ...
How much does travel insurance cost for 3 months?
That said, it is generally advisable to purchase travel insurance for any trip lasting more than a week or two, and 3 months of coverage should typically cost less than $100. Summary Close 1.
3 Months Travel Insurance, Best 90 Day Holiday Insurance
Yes, you can get travel insurance for longer than 90 days. Our long-stay travel insurance policies will cover you for trips that range in length from anywhere from 2 months up to 2 years, in some cases. So, if you plan on travelling for longer than your originally intended 90-day trip, you can definitely opt for a long-stay travel insurance ...
The 5 Best International Travel Insurance Companies for 2024
For international trips, consider the Premium travel insurance plan from Generali. This tier of coverage includes the following: Trip cancellation coverage up to 100% of the trip cost. Trip ...
7 Cheapest Travel Insurance Companies in April 2024
If you're willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance. Learn ...
Compare Long Stay Travel Insurance
Compare holiday insurance quotes from 42 trusted UK providers. 1. Find tailored travel cover at the right price by comparing deals from the UK's leading travel insurers. Start a Quote. 1 Accurate as of April 2024.
I'm a financial planner, and I'd recommend annual travel insurance to
That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is ...
Thoughts on travel insurance for a 3 month trip to Europe
Wow. I know what portion of that is the Medjet, I can't imagine paying that much for a health insurance travel policy for 3 months. Mister E makes an excellent point - Medjet makes a lot of sense, combined with a travel health insurance policy for much lower coverage limits given the economics of the lower overall costs in Europe vs the US...
4 Best Annual Travel Insurance Options in 2024
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 insurance for backpackers
Travel insurance often costs 4% to 10% of your trip's total price. So if your backpacking adventure will run you $4,000, the total cost of insurance may be $160 to $400.