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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℠.

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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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

The 11 Best Annual Travel Insurance Policies

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

What Is Annual Travel Insurance?

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Get a travel insurance quote from The AA

All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

• Buying travel insurance in Ireland
• What the European Health Insurance Card covers
• Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

• Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
• Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
• Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
• Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
• Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
• Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

• Winter sports, e.g. skiing and snowboarding
• Extreme sports, e.g. scuba diving or paragliding
• Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

• Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
• Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
• Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
• Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
• Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
• Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

• How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
• What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
• Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

• your destination
• your medical history
• whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

• Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
• The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
• Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
• The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

• If you hold private medical insurance that covers trips abroad
• If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

• Free or reduced cost state healthcare in any of the EU and EEA countries
• Pre-existing medical conditions
• Routine maternity care - as long as you’re not going there to give birth
• A temporary stay up to three months*

Not covered

• Private healthcare or costs for something like mountain rescue
• Ongoing or permanent healthcare
• Medical expenses, if your reason for going abroad is to have treatment
• The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

• In person: at any local health office except Dublin North West. Check what ID to take.
• By post: Print out an application form and post it to your local health office along with any documents required.
• Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

• unexpected death, illness or injury involving you, your partner or fellow travellers
• unexpected damage to your home, such as fire, flood or burglary
• you’ve been advised not to travel due to pregnancy (after you bought insurance)
• you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

• In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
• If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
• If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

• A replacement holiday of equal or superior quality
• A lower quality holiday, plus a refund for the difference between the two trips
• A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

• Transport costs e.g. fuel prices
• Taxes, fees and duties charged at airports or ports
• Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

• Given all the essential information from the retailer or trader before the booking is completed.
• Able to contact the organiser directly and through the retailer you bought the package from (if different).
• Entitled to a full refund and repatriation if the trader becomes insolvent.
• Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
• Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
• Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

• The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
• ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

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

The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

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 Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

You might also be interested in:

The 5 Best Family Travel Insurance Plans

Holly Johnson

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8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

The 6 Best Vacation Rental Travel Insurance Plans

Protect your trip and give yourself peace of mind with the top options.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Annual Travel Insurance

Whether it is for business or pleasure, our annual travel insurance policy is ideal for those who are planning more than one trip / holiday within a year.

The price of travelling has been going down for many years so, increasingly, people are taking more than one holiday a year. You work hard so you deserve it! The main advantage of our annual / multi trip travel insurance policy is that, no matter how many trips or holidays you go on within twelve months, you only need to take out the policy once. This will save you a lot of hassle, time and money.

No-hassle Annual Travel Insurance for Holidays

The more holidays you take, the more likely are the chances that something will go wrong. If it does, it will probably be a minor headache such as delayed baggage but you need to be covered for serious illness, injury or theft as well. Never risk going on a holiday without travel insurance because, if disaster strikes, you could be left with a bill which is way beyond your means. Don't let your holiday become a nightmare. It'll probably never happen but you must insure against the worst. We are here to provide you with peace of mind. No matter how many holidays you take you can rest assured that, should things go wrong, we will take care of the cost.

Annual Travel Insurance for Business Trips

If you are going on multiple business trips within twelve months, then our annual travel insurance is perfect for you too. You are just as at risk from misfortune as the holiday goer. We will protect you throughout your trip so you can get on with doing business without any worries. Have a look at our policy cover details and you will find that we insure against everything from cancellation through personal injury to catastrophe. We also offer a 24-hour medical emergency service.

Get an instant quote today by filling out our quote form. We are confident that our annual travel insurance costs are amongst the lowest in the country, without any compromise on quality. So, make life easy for yourself by availing of our first class annual / multi trip insurance cover. We are travel insurance specialists so you are in good hands with us.

Travel Insurance is essential for peace of mind . Get your Holiday Travel Insurance Right Here, Right Now. Here at JustCover.ie Travel Insurance we don't waste your time, we JustCover.

If you have VHI, Laya-Healthcare or Irish Life Private Health Insurance why not avail of our REDUCED RATE SINGLE TRIP and MULTI TRIP TRAVEL INSURANCE POLICIES and make great savings. Travel Insurance is a necessity not a luxury. Remember if you wish to travel worry free, do not travel without your Travel Insurance,

Holiday Insurance | Annual Travel Insurance | Single Trip Travel Insurance | Family Travel Insurance | Multi Trip Travel Insurance

Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

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

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Aviva to re-enter health insurance in joint venture with ex VHI boss

The as yet unnamed venture is to begin selling private health insurance in the second half of 2024.

Aviva plans to launch a joint venture with a group including the insurer’s former chief executive, Jim Dowdall, and one-time VHI head Oliver Tattan. Photograph: Collins

Aviva in Ireland is getting back into health insurance eight years after exiting.

It plans to launch a joint venture with a group including the insurer’s former chief executive, Jim Dowdall, and one-time VHI head Oliver Tattan.

The new venture – which has yet to be given a name – will commence selling private health insurance in the second half of 2024, subject to regulatory approvals, Aviva said in a statement on Thursday.

“Aviva is delighted to support the set-up of an exciting new health insurance business in Ireland. This is great news for Irish consumers as it will provide greater choice and value,” said Declan O’Rourke, chief executive of Aviva Insurance Ireland.

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“This investment expands Aviva’s offering in Ireland to general, life and health Insurance and further demonstrates Aviva’s commitment to continue to grow in Ireland as a leading financial services provider.”

Aviva sold its previous health unit, Aviva Health, in 2016 to Irish Life. Irish Life also moved at the same time to buy out the 51 per cent of another provider, GloHealth, it did not already own. The combined business was renamed Irish Life Health and is now the smallest of the three existing private health players in the market.

The second-largest player in the market, Laya Healthcare, was acquired for €650 million by Axa Ireland, the largest general insurance company. Laya traces its roots back to the formation of Bupa Ireland in 1997 and also went through periods of ownership by businessman Seán Quinn, the company’s management team, and, more recently, US insurance giant AIG.

State-owned VHI remains the largest health insurer in the market with more than 1.2 million medical coverage customers, giving it an almost 49 per cent market share.

Mr Dowdall served as chief executive of Aviva Ireland between 2010 and 2011. He had joined the business in 2008, after Aviva acquired Vivas, a health insurance company he cofounded in 2004 with Mr Tatten.

The executive went on to co-found GloHealth with Mr Tatten, before becoming managing director of Irish Life Health in 2016. He stepped from that role in 2021, but remained a strategic adviser to the business until April last year.

Mr Tatten served as chief executive of VHI between 1998 and 2001 and has been a serial entrepreneur ever since.

The third figure in the group planning the Aviva joint venture is Stephen Loughman, a former actuary with VHI during Mr Tatten’s time with the company, who would go on to serve as CFO at Vivas, GloHealth and Irish Life Health.

Health insurance premiums rose by an average of 10 per cent last year to €1,594, according to the Health Insurance Authority (HIA), amid a rising number of claims and costs. VHI and Laya have increased their coverage costs again in the early months of this year.

The planned new entrant “is welcome news for all consumers who are struggling with soaring health insurance costs and are finding themselves under financial pressure to maintain their health cover”, said Dermot Goode of Totalhealthcover.ie.

“Ultimately, there’s nothing like extra competition to drive better value for all consumers and employers.”

Despite the increased cost, the number of individuals with private coverage rose last year by 1.6 per cent to 2.48 million, HIA said in its latest annual market report.

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Multitrip.com vs. Laya

Affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

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We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

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Shopping around to find cheap but comprehensive travel insurance? To make it easier for you, we are comparing our cover against some of the top holiday insurance providers in Ireland. This time, see Multitrip.com Premier Plus against Laya Healthcare's Standard Travel Insurance policy. Check out the table below for more details on benefits*. Also, don't forget to check how Multitrip.com compares against VHI and The AA .

Why Choose Multitrip.com?

No matter what holiday or trip you have planned abroad, we will help you to stay protected. Whether it's a single trip to Europe, a backpacker trip to Asia, or multiple trips around the world each year, you can rest assured that we have a Travel Insurance policy to suit your needs.

Multitrip cover from just €19.95

We are the only insurance provider offering 2 year multitrip travel insurance in Ireland.

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You can opt to choose additional travel disruption cover to protect your trip against such things like adverse weather conditions.

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Best no annual fee travel credit cards of April 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront. 

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it? 

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year. 

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

Special feature.

Rewards Rates

• 1x Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1x Earn 3X points on dining
• 2x Earn 2X points on travel
• 1x Earn 1X points on other purchases
• Use the card 5 times each statement period to earn points.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
• See this page for details
• Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments. 

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

• 17x Earn up to 17X points when you stay at IHG Hotels & Resorts 
• 3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
• 2x Earn 2X points on all other purchases
• Generous welcome bonus not typically seen in a $0 annual fee card
• Travel protections that are unusual for a no-annual-fee card
• Fourth night free on award bookings
• Limited redemption options outside of IHG
• IHG points are worth less than some other rewards currencies
• Silver status granted with the card has limited benefit
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
• Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot). 

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption. 

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice. 

United Gateway℠ Card

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition. 

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases. 

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection. 

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page  

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

• 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1X 1X points on other purchases
• No annual fee
• 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
• Points transfer to partners
• Car rental insurance is secondary
• No travel insurance
• Transfer partners are limited
• Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
• Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance. 

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges. 

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories. 

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

• 5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
• 1.25x Earn 1.25x miles on every other purchase
• Flexible travel rewards
• No foreign transaction fee
• Maximizing Capital One Miles requires a learning curve
• Cash redemption value is limited
• The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target. 

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction. 

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after. 

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee. 

What is the best travel credit card for a young person? 

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay. 

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

• Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
• Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
• Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance. 
• Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
• Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
• Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards. 

• For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
• For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
• For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn. 

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to travel rewards credit cards

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Webuy announces filing of 2023 annual report with the sec, launches travel business in indonesia, and expands into insurance referral program.

Singapore, April 19, 2024 (GLOBE NEWSWIRE) -- Webuy Global Ltd (NASDAQ: WBUY) (" Webuy " or the " Company "), a Southeast Asian community e-commerce retailer, today announces that on April 15, 2024, the Company filed its 2023 annual report (20-F) with the SEC. Notable recent events include the Company’s launch of a travel business line in Indonesia and expansion into an insurance referral program. Key highlights of the Company’s 2023 financial achievements follow:

2023 Financial Highlights

Total revenues increased by 38.4% to US$61.7 million from US$44.6 million in the full year of 2022. The increase was mainly driven by sales of groceries in the Indonesian market and demand for the Company’s tour packages in Singapore.

Gross profit increased by 38.4% to US$5.1 million from US$3.8 million in the full year of 2022. Gross margin was approximately 8.3%, relatively flat compared to 8.4% in the full year of 2022, mainly attributable to the Company’s ongoing efficiency optimization initiatives.

Recent Developments

In early 2024, the Company launched its travel business in Indonesia and expanded its presence in the growing Southeast Asian tourism market.

In April 2024, the Company launched an insurance referral program to deliver insurance solutions to markets across Asia.

Vincent Xue Bin, Chief Executive Officer and Co-Founder of Webuy, commented, "2023 was an important year in which we refined our strategic approach and delivered solid results. Sales of groceries on our platform in Indonesia grew strongly, as demand in the region escalated and our distribution strategies have proven effective. By expanding our footprint, further establishing our presence, and catering to the needs of the market, we grew our total revenues by 38.4%, with sales of groceries in Indonesia increasing by a substantial 83.6%. In addition to grocery sales, we introduced new packaged tour travel services in Singapore, which immediately proved popular with consumers. Revenue generated from tour packages offered in Singapore more than doubled from that of 2022, representing an important diversification of our product offerings. Building on this momentum, we leveraged our robust supply chain network to successfully extend our tour packages into Indonesia, further expanding our presence in the vibrant Southeast Asian tourism market. Additionally, our strategic entry into an insurance referral program during April represents a promising opportunity for higher-margin growth, aligning with our consistent approach to innovation and expansion."

"Our 2023 results stand as a testament to our innovative approach and the resilience of our business model. Furthermore, our stable gross margin underscores our commitment to continuous efficiency optimizations. Looking ahead, we remain steadfast in our dedication to surpassing existing milestones, ensuring unparalleled success for our customers, and consistently delivering enduring value to our shareholders while fostering a strong sense of community engagement."

Annual Report

The Form 20-F can be accessed by visiting either the SEC's website at www.sec.gov or the Company's website at https://www.webuysg.com/Investor/ . In addition, the Company's shareholders may receive a hard copy of the Form 20-F, which includes the Company's complete audited financial statements, free of charge by requesting a copy from the Company contact below.

About Webuy Global Ltd

The Company's mission is to make social shopping a new lifestyle for consumers and to empower consumers' purchases with an efficient, cost-saving purchasing model. Webuy is committed to developing a community-oriented e-commerce platform in the Southeast Asia region and transforming the e-commerce model into a community-driven experience for consumers.

The Company's innovative 'group buy' business model is set to revolutionize traditional shopping practices, offering substantial cost savings to customers through a community-centric approach. This approach, akin to group purchases and bulk orders, simplifies the process for customers, eliminating the need for individual bulk purchases. Furthermore, the business model streamlines the traditional supply chain by minimizing the involvement of intermediaries, thereby offering a more direct "farm-to-table" supply model. Additional information about the Company is available at http://webuy.global/ .

Forward-Looking Statements

This press release contains forward-looking statements. These statements are made under the "safe harbor” provisions of the U.S. Private Securities Litigation Reform Act of 1995. Statements that are not historical facts, including statements about the Company’s beliefs and expectations, are forward-looking statements. Forward-looking statements involve inherent risks and uncertainties, and a number of factors could cause actual results to differ materially from those contained in any forward-looking statement. In some cases, forward-looking statements can be identified by words or phrases such as "may," "will," "expect," "anticipate," "target," "aim," "estimate," "intend," "plan," "believe," "potential," "continue," "is/are likely to" or other similar expressions. The Company may also make written or oral forward-looking statements in its reports filed with, or furnished to, the U.S. Securities and Exchange Commission, in its annual reports to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. These statements are subject to uncertainties and risks including, but not limited to, the following: the Company’s goals and strategies; the Company’s future business development; financial condition and results of operations; product and service demand and acceptance; reputation and brand; the impact of competition and pricing; changes in technology; government regulations; fluctuations in general economic and business conditions in U.S., Singapore and Indonesia and assumptions underlying or related to any of the foregoing and other risks contained in reports filed by the Company with the SEC. For these reasons, among others, investors are cautioned not to place undue reliance upon any forward-looking statements in this press release. Additional factors are discussed in the Company’s filings with the SEC, which are available for review at www.sec.gov. The Company undertakes no obligation to publicly revise these forward-looking statements to reflect events or circumstances that arise after the date hereof.

Investor Relations Robin Yang, Partner ICR, LLC Email: [email protected] Phone: +1 (646) 880-9057

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Webuy Announces Filing of 2023 Annual Report with the SEC, Launches Travel Business in Indonesia, and Expands into Insurance Referral Program

Singapore, April 19, 2024 (GLOBE NEWSWIRE) -- Webuy Global Ltd (NASDAQ: WBUY) (" Webuy " or the " Company "), a Southeast Asian community e-commerce retailer, today announces that on April 15, 2024, the Company filed its 2023 annual report (20-F) with the SEC. Notable recent events include the Company’s launch of a travel business line in Indonesia and expansion into an insurance referral program. Key highlights of the Company’s 2023 financial achievements follow:

2023 Financial Highlights

• Total revenues increased by 38.4% to US$61.7 million from US$44.6 million in the full year of 2022. The increase was mainly driven by sales of groceries in the Indonesian market and demand for the Company’s tour packages in Singapore.
• Gross profit increased by 38.4% to US$5.1 million from US$3.8 million in the full year of 2022. Gross margin was approximately 8.3%, relatively flat compared to 8.4% in the full year of 2022, mainly attributable to the Company’s ongoing efficiency optimization initiatives.

Recent Developments

In early 2024, the Company launched its travel business in Indonesia and expanded its presence in the growing Southeast Asian tourism market.

In April 2024, the Company launched an insurance referral program to deliver insurance solutions to markets across Asia.

Vincent Xue Bin, Chief Executive Officer and Co-Founder of Webuy, commented, "2023 was an important year in which we refined our strategic approach and delivered solid results. Sales of groceries on our platform in Indonesia grew strongly, as demand in the region escalated and our distribution strategies have proven effective. By expanding our footprint, further establishing our presence, and catering to the needs of the market, we grew our total revenues by 38.4%, with sales of groceries in Indonesia increasing by a substantial 83.6%. In addition to grocery sales, we introduced new packaged tour travel services in Singapore, which immediately proved popular with consumers. Revenue generated from tour packages offered in Singapore more than doubled from that of 2022, representing an important diversification of our product offerings. Building on this momentum, we leveraged our robust supply chain network to successfully extend our tour packages into Indonesia, further expanding our presence in the vibrant Southeast Asian tourism market. Additionally, our strategic entry into an insurance referral program during April represents a promising opportunity for higher-margin growth, aligning with our consistent approach to innovation and expansion."

"Our 2023 results stand as a testament to our innovative approach and the resilience of our business model. Furthermore, our stable gross margin underscores our commitment to continuous efficiency optimizations. Looking ahead, we remain steadfast in our dedication to surpassing existing milestones, ensuring unparalleled success for our customers, and consistently delivering enduring value to our shareholders while fostering a strong sense of community engagement."

Annual Report

The Form 20-F can be accessed by visiting either the SEC's website at www.sec.gov or the Company's website at https://www.webuysg.com/Investor/. In addition, the Company's shareholders may receive a hard copy of the Form 20-F, which includes the Company's complete audited financial statements, free of charge by requesting a copy from the Company contact below.

About Webuy Global Ltd

The Company's mission is to make social shopping a new lifestyle for consumers and to empower consumers' purchases with an efficient, cost-saving purchasing model. Webuy is committed to developing a community-oriented e-commerce platform in the Southeast Asia region and transforming the e-commerce model into a community-driven experience for consumers.

The Company's innovative 'group buy' business model is set to revolutionize traditional shopping practices, offering substantial cost savings to customers through a community-centric approach. This approach, akin to group purchases and bulk orders, simplifies the process for customers, eliminating the need for individual bulk purchases. Furthermore, the business model streamlines the traditional supply chain by minimizing the involvement of intermediaries, thereby offering a more direct "farm-to-table" supply model. Additional information about the Company is available at https://webuy.global/.

Forward-Looking Statements

This press release contains forward-looking statements. These statements are made under the "safe harbor” provisions of the U.S. Private Securities Litigation Reform Act of 1995. Statements that are not historical facts, including statements about the Company’s beliefs and expectations, are forward-looking statements. Forward-looking statements involve inherent risks and uncertainties, and a number of factors could cause actual results to differ materially from those contained in any forward-looking statement. In some cases, forward-looking statements can be identified by words or phrases such as "may," "will," "expect," "anticipate," "target," "aim," "estimate," "intend," "plan," "believe," "potential," "continue," "is/are likely to" or other similar expressions. The Company may also make written or oral forward-looking statements in its reports filed with, or furnished to, the U.S. Securities and Exchange Commission, in its annual reports to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. These statements are subject to uncertainties and risks including, but not limited to, the following: the Company’s goals and strategies; the Company’s future business development; financial condition and results of operations; product and service demand and acceptance; reputation and brand; the impact of competition and pricing; changes in technology; government regulations; fluctuations in general economic and business conditions in U.S., Singapore and Indonesia and assumptions underlying or related to any of the foregoing and other risks contained in reports filed by the Company with the SEC. For these reasons, among others, investors are cautioned not to place undue reliance upon any forward-looking statements in this press release. Additional factors are discussed in the Company’s filings with the SEC, which are available for review at www.sec.gov. The Company undertakes no obligation to publicly revise these forward-looking statements to reflect events or circumstances that arise after the date hereof.

Investor Relations Robin Yang, Partner ICR, LLC Email: [email protected] Phone: +1 (646) 880-9057

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