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Health Insurance For Travel Nurses

One of the most frequently asked questions from nurses considering traveling is, "What am I going to do about health insurance?"  ‍

Choosing a health insurance plan can be challenging to navigate. Comparing costs, coverage, and options can be overwhelming. Travel nurses should understand all options when choosing the plan that's best for them. Here are some things to consider when deciding on which health insurance to get as a travel nurse.  ‍

What Are the Options for Health Insurance as a Travel Nurse?

There are two main options for travel nurses to choose from:

• Agency-provided health insurance
• Individual (private) health insurance ‍

Each option has its pros and cons. Let's discuss them. ‍

1. Agency-Provided Health Insurance

Many travel nursing agencies offer health insurance to their nurses. For example, Trusted Health offers medical, dental, and vision coverage that's effective on day one of your assignment. Choosing insurance provided by your agency means you don't have to worry about finding your own coverage or deal with the hassle of shopping around. 

However, most agencies only cover nurses during their contracts. If you work with multiple travel nursing agencies , simultaneously navigating health insurance can be complicated and overwhelming. Nurses who change agencies often or choose to take extended periods off between contracts may want to consider another option for insurance.

"If you use health insurance from your agency, take into consideration that you'll lose it when you're not on contract. The agency may offer you COBRA, but those fees are pretty costly," Meisha Amia, MSN, RN , a travel nurse and author of The Bedside Boss: From Scrubs to Six Figure s, tells Trusted.  ‍

"When I passed out in my patient's room, I had insurance through my agency. When I lost my contract, I lost my insurance. Big lesson learned!”

When considering opting-in to your travel nursing agency's health insurance benefit, make sure you know:

• The coverage provided
• The exact start date of your coverage
• The exact end date of your coverage
• If coverage is provided between contracts ‍

If your next contract is with Trusted, we offer a pre-pay option, so you're covered through your gap period. Trusted has also committed to providing a month of coverage between your contracts. ‍

COBRA Insurance

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees in certain situations, called qualifying events, the right to pay premiums for and keep group health insurance. ‍

These situations include:

• Reduction in work hours
• Loss of job ‍

Although it can be expensive, COBRA is an option for health insurance coverage between contracts. You have 60 days after you lose your benefits to elect to pay for COBRA coverage. Even if you enroll on Day 60, your coverage is retroactive to Day 1. You then have 45 days to pay the premium.

Note that COBRA is a short-term solution and may only last 18, 29, or 36 months depending on the qualifying event. You can learn more about COBRA here . ‍

2. Individual (Private) Insurance

Individual or private health insurance is a great option for many travel nurses. These plans offer flexibility, and there are no gaps in coverage. If you decide to take a few months off, you won't need to worry about losing your health insurance before taking another assignment. 

Note that there are different types of private health insurance plans. ‍

Preferred Provider Organization (PPO)

PPO plans give you a network of preferred healthcare providers to choose from. You can visit any in-network provider without requiring a referral from a primary care physician (PCP). 

If you use in-network providers, the plan will cover a portion of your medical expenses. If you use out-of-network providers, your copay will be higher. You may need to meet an annual deductible before the insurance company starts coverage.  ‍ ‍

PPO plans may be for you if:

• You're looking for your insurance company to cover a portion of out-of-network claims
• You don't want to get referrals before visiting a specialist ‍

Health Maintenance Organization (HMO)

With HMO plans , you choose a Primary Care Provider (PCP) who will take care of most of your needs. If you need a specialist, you'll need a referral from your PCP. Your PCP will refer you to a provider within the HMO network. If you choose a provider outside of the network, you'll be responsible for all costs. ‍ ‍

HMO plans may be for you if:

• You're seeking to pay a lower premium
• You want a plan without a deductible
• You don't mind paying out-of-pocket costs
• You need preventative care services ‍

Point of Service (POS)

POS plans combine features of HMO and PPO plans. Your PCP will give your referrals, but you have more access to out-of-network providers. Access to out-of-network providers is more expensive, but depending on your plan, services performed by your PCP may not have a deductible, and preventive care benefits are usually included.   ‍

POS plans may be for you if:

• You don't mind coordinating your care through your PCP
• Your preferred provider is in the network ‍

Meisha Amia states, “I recommend going through an independent carrier with the lowest deductible you can afford. My favorite tool is ehealthinsurance . They have short term plans for gaps between contracts or long-term enrollment options for individuals and families. ”  ‍

Things to Consider When Choosing Health Insurance

• Take your time and carefully weigh each option
• Understand what your agency offers in terms of benefits and reimbursements
• Decided what is best for you and your family
• Do you need to cover your spouse or dependents?
• Will you work with one agency or multiple agencies?
• Will you take off time between assignments?
• How much coverage do you need? (factor in any health or medical concerns) ‍

Take the time to research insurance providers and speak with an enrollment counselor to explain your medical and health concerns and circumstances. Then, compare your options and make the best decision for your needs! ‍

Want Someone to Take Care of Health Insurance for You?

If you want to take the guesswork and research out of the equation, let Trusted take care of your health insurance needs. As mentioned above, Trusted offers medical, dental, and vision coverage from the first day of your assignment; and, they offer a pre-pay option, so you're covered through your gap period (including up to 30 days between contracts). ‍

Create a free Trusted profile to get started!

Portia Wofford is an award-winning nurse, writer, and digital marketer. After dedicating her nursing career to creating content and solutions for employers that affected patient outcomes, these days, Portia empowers health businesses and nursing brands to grow their communities through engaging content that connects and converts. Follow her on Instagram and Twitter for her latest (@thewritenurse). As part of her mission to help nurses earn extra income, beyond the bedside, Portia teaches nurses how to get paid and published by showing them how to land their first paid freelance writing gig.

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Insurance for Healthcare Travelers

You spend the majority of your time caring for others. But what happens when you’re the one in need of healthcare? That’s the question our Benefits Team continuously asks to ensure our benefits package is exactly what our travel nurses and allied travelers need.

Day-One Coverage

We offer everything you need, and then some. We offer our healthcare travelers and their qualified dependents multiple PPO plans through Cigna. They cover doctor visits, wellness exams, diagnostic tests, prescription medications, and hospitalizations from day one. Nationwide.

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We believe in transparency. You can read our complete benefits guide, the same one we give all our healthcare travelers and corporate staff. Read about our options, from vision insurance to pet coverage. You can find it all here – from A to Z.

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Home > Finance > How Do Travel Nurses Get Health Insurance?

How Do Travel Nurses Get Health Insurance?

Published: October 30, 2023

Find out how travel nurses secure health insurance and manage their finances while on the move. Explore the options available for travel nurse insurance coverage and financial planning.

(Many of the links in this article redirect to a specific reviewed product. Your purchase of these products through affiliate links helps to generate commission for LiveWell, at no extra cost. Learn more )

Table of Contents

Introduction, understanding the role of travel nurses, importance of health insurance for travel nurses, options for health insurance coverage, employer-sponsored health insurance, private health insurance plans, health insurance marketplace, medicaid and other government programs, professional associations and unions, considerations when selecting health insurance.

Travel nursing has gained significant popularity in recent years, offering healthcare professionals the opportunity to explore new places, gain diverse experiences, and earn competitive salaries. However, one crucial aspect that travel nurses should carefully consider is health insurance coverage. As they move between assignments and typically work for different employers, understanding how travel nurses can get health insurance is essential for their well-being and financial security.

Health insurance is vital for everyone, providing access to medical care and protection against exorbitant healthcare costs. For travel nurses, who frequently change locations and employers, finding the right health insurance coverage can be a bit more complex. They need a plan that offers flexibility, adequate coverage, and meets their specific needs.

In this article, we will explore the various options available for travel nurses to obtain health insurance and highlight the factors to consider when selecting a plan. Whether you are a seasoned travel nurse or considering this career path, understanding your health insurance options is vital for a smooth and successful journey.

Travel nurses play a crucial role in the healthcare industry, bridging the gap between healthcare facilities’ staffing needs and the demand for quality care. These dedicated professionals travel to different locations, often on short-term assignments, to provide healthcare services in various settings, including hospitals, clinics, and even private homes.

Travel nurses bring their expertise and skills to different communities, ensuring that patients receive the care they need, especially in areas facing nursing shortages or during peak demand periods. Their contributions are invaluable, as they fill critical staffing gaps, improve patient outcomes, and support healthcare systems across the country.

The role of a travel nurse goes beyond simply providing medical care. They must quickly adapt to new settings, understand different hospital protocols and procedures, and adjust to the unique needs of each location and patient population. This requires excellent communication skills, flexibility, and the ability to work well in diverse teams.

Furthermore, travel nurses often work long hours, including nights, weekends, and holidays, to ensure uninterrupted patient care. They must be adaptable and resilient, capable of handling the challenges that come with frequent relocations and unfamiliar environments.

Travel nursing offers numerous benefits, including competitive compensation packages, opportunities for professional growth, and the chance to explore different parts of the country or even internationally. However, it is essential to consider the potential drawbacks and challenges, such as the need to secure health insurance coverage as they move between assignments.

In the following sections, we will delve into the importance of health insurance for travel nurses and explore the various options they have to ensure they are adequately covered during their assignments. Understanding these options will enable travel nurses to make informed decisions and secure the appropriate health insurance that meets their unique needs.

Health insurance is of paramount importance for travel nurses, considering the nature of their work and the potential risks they may face while on assignment. It serves as a safety net, providing financial protection and access to quality healthcare services.

One of the primary reasons health insurance is critical for travel nurses is the ever-present possibility of sustaining an injury or falling ill during an assignment. Accidents, illnesses, or even routine medical care can result in significant expenses that can quickly drain a nurse’s savings if they are not adequately insured. Without health insurance, travel nurses may find themselves burdened with expensive medical bills, impacting their financial stability and potentially leading to long-term debt.

Besides protecting against unforeseen medical expenses, health insurance also offers peace of mind. Travel nurses can have confidence that they will receive the medical care they need when they need it, regardless of their location. This assurance allows them to focus on their work and provide the best possible care to their patients without worrying about medical costs or limited access to healthcare services.

Another crucial aspect of health insurance for travel nurses is the ability to access preventive care and wellness services. Regular check-ups, vaccinations, and screenings are essential for maintaining good health and catching any potential health issues early on. With health insurance, travel nurses can schedule these appointments and receive necessary preventive care to stay healthy and address any underlying health concerns before they become more serious.

Furthermore, health insurance coverage extends beyond medical care. It can also provide coverage for prescription medications, mental health services, and additional therapies or treatments that may be needed. This comprehensive coverage ensures that travel nurses have access to the full range of healthcare services they may require while on assignment.

Alongside the practical benefits, obtaining health insurance demonstrates a commitment to personal well-being and responsibility. It reflects a proactive approach to safeguarding one’s health and financial security, which is especially important for individuals whose work involves risk and uncertainty, such as travel nurses.

In the next section, we will explore the different options available for travel nurses to obtain health insurance coverage, including employer-sponsored plans, private health insurance options, and government programs.

Travel nurses have several options when it comes to obtaining health insurance coverage. The availability of these options may vary depending on factors such as the travel nurse’s employment status, location, and individual circumstances. It is essential for travel nurses to explore each option and assess which one best suits their needs.

Here are the primary options for health insurance coverage for travel nurses:

• Employer-Sponsored Health Insurance: Many travel nurses receive health insurance coverage through their employer. This is often the most convenient and cost-effective option as employers may offer comprehensive health insurance plans. However, coverage may vary depending on the specific employer and the terms of the assignment.
• Private Health Insurance Plans: Travel nurses who are not eligible for employer-sponsored coverage or prefer to have more control over their insurance options can explore private health insurance plans. These plans are typically paid for out-of-pocket and allow for more flexibility in terms of provider choices and coverage options.
• Health Insurance Marketplace: The Health Insurance Marketplace, also known as the Exchange, is an online marketplace where individuals and families can shop for health insurance plans. Travel nurses who do not have access to employer-sponsored coverage may find affordable options through the Marketplace. It is important to note that open enrollment periods typically apply, so it is crucial to be aware of the specific enrollment dates.
• Medicaid and Other Government Programs: Depending on their income and eligibility criteria, travel nurses may qualify for Medicaid, a state-administered health insurance program for individuals with low income. Additionally, other government programs, such as the Children’s Health Insurance Program (CHIP), may provide health coverage for eligible individuals and their families.
• Professional Associations and Unions: Some professional associations and unions offer health insurance options for their members. Travel nurses who are members of these organizations can explore the health insurance plans they offer, as they may provide comprehensive coverage specifically tailored to the needs of healthcare professionals.

It is important for travel nurses to carefully evaluate their options and consider factors such as coverage, cost, network of healthcare providers, and flexibility. Each option has its own benefits and limitations, so conducting thorough research and comparing different plans is essential to make an informed decision.

In the following sections, we will delve into more detail about each of these options, highlighting their features, advantages, and considerations to help travel nurses navigate the process of obtaining health insurance coverage.

Employer-sponsored health insurance is a common option for travel nurses to obtain coverage during their assignments. Many healthcare facilities and staffing agencies offer health insurance plans as part of their employment benefits package. Here’s a closer look at employer-sponsored health insurance for travel nurses:

Comprehensive Coverage: Employer-sponsored health insurance plans often provide comprehensive coverage, including medical, dental, and vision benefits. These plans can offer a wide range of services, from routine check-ups and preventive care to specialized treatments and hospital stays.

Convenience and Simplicity: Enrolling in an employer-sponsored health insurance plan is typically straightforward and hassle-free. The employer takes care of the paperwork, premium deductions, and coordination with insurance providers. This convenience allows travel nurses to focus on their assignments and patient care without the added complexity of managing their health insurance independently.

Potential Cost Savings: Employer-sponsored health insurance plans may offer cost savings compared to purchasing individual health insurance. Employers often negotiate group rates with insurance providers, which can result in lower premiums for employees. Additionally, employers may contribute a portion of the premium costs, reducing the financial burden on the travel nurse.

Network of Providers: Depending on the employer-sponsored health insurance plan, travel nurses may have access to a network of healthcare providers. These networks often include hospitals, clinics, and specialists who have agreed to provide services at discounted rates to plan members. Staying within the network can help reduce out-of-pocket costs and ensure seamless coordination of care.

Considerations: While employer-sponsored health insurance can be a convenient and cost-effective option, there are a few considerations for travel nurses to keep in mind:

• Employment Status: Travel nurses who work as independent contractors or are self-employed may not have access to employer-sponsored health insurance. In such cases, they will need to explore alternative options for coverage.
• Assignment Duration: The length of the travel nursing assignment may impact eligibility for employer-sponsored health insurance. Some plans require individuals to work a minimum number of hours or maintain a specific employment status to qualify for coverage. Travel nurses on shorter assignments or those who frequently change employers may need to explore other avenues for health insurance.
• Portability: It is important to consider the portability of employer-sponsored health insurance. If changing employers frequently or transitioning to a different type of nursing position, travel nurses may lose their health insurance coverage. In such cases, having a plan in place to ensure continuous coverage is crucial.

While employer-sponsored health insurance offers many benefits, travel nurses should carefully assess their individual circumstances and consider factors such as assignment duration, employment status, and portability to determine if this option is the most suitable for their health insurance needs.

In the next section, we will explore private health insurance plans and the flexibility they offer for travel nurses seeking coverage.

For travel nurses who are not eligible for employer-sponsored health insurance or prefer more control over their coverage options, private health insurance plans are an alternative worth considering. These plans are typically purchased directly from insurance providers and offer flexibility and customization. Here’s a closer look at private health insurance plans for travel nurses:

Flexibility and Customization: Private health insurance plans allow travel nurses to tailor their coverage according to their specific needs. They can select from a range of options, including different deductibles, co-payment amounts, and coverage levels. This flexibility ensures that travel nurses can choose a plan that aligns with their preferences and budget.

Provider Network Choices: One advantage of private health insurance plans is the wider range of healthcare providers available. Travel nurses are not limited to a specific network and can choose providers they prefer, ensuring access to their preferred doctors, hospitals, and specialists. This can be particularly beneficial for travel nurses who frequently move between locations and want the freedom to access healthcare services wherever they go.

Portability: Private health insurance plans offer greater portability compared to employer-sponsored plans. Travel nurses can maintain their coverage regardless of changes in employment or assignment locations. This makes it a suitable option for those who frequently switch employers or take on different travel assignments.

Cost Considerations: Private health insurance plans typically involve out-of-pocket costs, including monthly premiums, deductibles, and co-payments. It is important for travel nurses to carefully assess their budget and healthcare needs to select a plan that strikes the right balance between coverage and affordability. Comparing different plans and understanding the details of the coverage and costs is essential.

Specialized Coverage: Private health insurance plans often offer the option to add additional coverage, such as dental and vision benefits, prescription drug coverage, and alternative therapies. Travel nurses can choose the specific coverage options that are most relevant to their needs and include them in their private health insurance plan.

Considerations: While private health insurance plans provide flexibility, there are a few considerations for travel nurses to keep in mind:

• Costs: Private health insurance plans can be more expensive compared to employer-sponsored plans, as the full premium cost is borne by the individual. It is important to carefully evaluate the costs and benefits of different plans to make an informed decision.
• Pre-Existing Conditions: Travel nurses with pre-existing conditions should check if private health insurance plans offer coverage for their specific condition. Some plans may have waiting periods or exclusions for certain pre-existing conditions.
• Policy Research: It is crucial to thoroughly research different private health insurance providers and their offerings. Reading through policy documents, understanding coverage details, and checking customer reviews can help ensure a smooth experience and adequate coverage.

Private health insurance plans provide travel nurses with customization options, portability, and greater flexibility in choosing healthcare providers. However, it is important to carefully consider costs, coverage options, and individual healthcare needs when selecting a private health insurance plan.

In the next section, we will explore the Health Insurance Marketplace as another option for travel nurses to obtain health insurance coverage.

The Health Insurance Marketplace, also known as the Exchange, is an online platform where individuals and families can purchase health insurance plans. It offers a centralized marketplace where travel nurses can explore and compare different plans to find coverage that meets their needs. Here’s what travel nurses need to know about the Health Insurance Marketplace:

Availability and Enrollment Periods: The Health Insurance Marketplace operates on an annual enrollment period, typically running from November to December with coverage starting from the following year. However, certain circumstances, such as a change in employment or residence, may qualify for a special enrollment period outside of the open enrollment period.

Affordable Coverage Options: One of the key benefits of the Health Insurance Marketplace is the availability of affordable coverage options. It provides access to different plans, including bronze, silver, gold, and platinum levels, each with varying levels of coverage and costs. Travel nurses can compare the different plans and select one that aligns with their budget and coverage needs.

Financial Assistance: The Health Insurance Marketplace also offers financial assistance in the form of premium subsidies and cost-sharing reductions for those who qualify based on their income. This assistance can help reduce the overall costs of health insurance coverage, making it more affordable for travel nurses.

Coverage Benefits: Plans offered through the Health Insurance Marketplace must comply with essential health benefits, which include coverage for preventive care, prescription medications, maternity care, mental health services, and more. Travel nurses can review these benefits to ensure the plan meets their specific healthcare needs.

Application Process: Applying for health insurance through the Marketplace involves completing an online application and providing information about household size, income, and other relevant details. The Marketplace will then determine eligibility for financial assistance and present available plans based on the provided information.

Considerations: While the Health Insurance Marketplace provides an accessible and affordable option for health insurance coverage, there are a few important considerations for travel nurses:

• Network Restrictions: It is essential to carefully review the network of healthcare providers associated with each Marketplace plan. Depending on the plan, there may be limitations on the healthcare providers and hospitals available, which could impact access to care, especially for travel nurses who frequently change locations.
• Plan Comparisons: Travel nurses should dedicate time to compare different plans available through the Health Insurance Marketplace. Assessing the costs, coverage, and provider network of each plan can help ensure they choose the most suitable option for their healthcare needs.
• Documentation and Verification: When enrolling in a plan through the Marketplace, travel nurses may need to provide additional documentation such as proof of income or residency. It is important to ensure all required documents are readily available to facilitate the enrollment process.

The Health Insurance Marketplace offers a convenient way for travel nurses to explore and obtain health insurance coverage. It provides affordable options, financial assistance, and coverage benefits tailored to individual needs. By carefully comparing plans and considering network restrictions, travel nurses can find a plan that meets their healthcare needs while staying within their budget.

In the next section, we will discuss Medicaid and other government programs as potential options for health insurance coverage for travel nurses.

Medicaid, a state-administered health insurance program, and other government programs can provide viable options for travel nurses seeking health insurance coverage. These programs can offer benefits to individuals and families with low income or specific eligibility criteria. Here’s a closer look at Medicaid and other government programs:

Medicaid: Medicaid is a joint federal and state program that assists individuals and families with low income in obtaining health insurance coverage. Eligibility for Medicaid varies by state, and each state sets its own income and eligibility requirements. Travel nurses with low income levels may qualify for Medicaid, providing them with access to comprehensive health insurance coverage.

Children’s Health Insurance Program (CHIP): CHIP is a government program that provides health insurance coverage to children in low-income households. Depending on the state, CHIP may extend coverage to pregnant women as well. Travel nurses who have children and meet the income requirements can explore CHIP as an option for health insurance coverage for their dependents.

Other Government Programs: In addition to Medicaid and CHIP, there may be other government programs at the state or local level that offer health insurance coverage. These programs can vary in eligibility requirements and coverage options. Travel nurses can research and inquire about any specific programs available in their state or region.

Considerations: While Medicaid and other government programs can provide valuable health insurance options, there are a few considerations for travel nurses:

• Eligibility and Income Requirements: Travel nurses must understand the eligibility criteria and income requirements for Medicaid and other government programs. These programs are typically designed for individuals with low income, so travel nurses with higher income levels may not qualify.
• State-Specific Programs: Medicaid and government program eligibility can vary by state. Travel nurses should be aware of the specific programs available in the states where they are working or residing. Understanding the coverage options and requirements of each state can help in determining eligibility and accessing the appropriate health insurance coverage.
• Portability: It is important to consider the portability of Medicaid and government programs. As travel nurses move between states or change assignments, they need to understand the guidelines for maintaining coverage when relocating. Some programs may require individuals to reapply or adjust their coverage when moving to a new state.

Medicaid and other government programs can be suitable options for travel nurses who meet the eligibility criteria based on income and other factors. These programs offer comprehensive health insurance coverage, helping to ensure access to necessary medical care for travel nurses and their families.

In the next section, we will explore the option of obtaining health insurance coverage through professional associations and unions.

Professional associations and unions can serve as valuable resources for travel nurses seeking health insurance coverage. These organizations often provide specialized benefits and options tailored to the needs of healthcare professionals. Here’s what travel nurses need to know about obtaining health insurance coverage through professional associations and unions:

Specialized Coverage: Professional associations and unions may offer health insurance plans specifically designed for healthcare professionals, including travel nurses. These plans often take into account the unique needs and challenges faced by nurses, providing comprehensive coverage tailored to their profession.

Group Buying Power: Association and union-based health insurance plans may leverage the combined purchasing power of their members. This can result in competitive rates and potentially lower premiums compared to individual health insurance plans.

Access to Network Providers: Health insurance plans obtained through professional associations and unions typically come with access to a network of healthcare providers who understand the specific needs of healthcare professionals. This network may include specialists, hospitals, and clinics familiar with the intricacies of nursing care and can provide quality services.

Add-On Benefits: Professional associations and unions may offer additional benefits beyond health insurance coverage. These can include resources for continuing education, professional development opportunities, career support services, and legal assistance.

Considerations: While professional associations and unions can provide valuable health insurance options, there are a few factors to consider:

• Membership Requirements: To access health insurance plans offered by professional associations and unions, travel nurses typically need to be members of the organization. Membership requirements may include meeting specific professional criteria or paying membership fees.
• Plan Comparison: It is essential for travel nurses to compare the benefits, coverage, and costs of the health insurance plans offered through professional associations and unions. Each organization may have different options, so evaluating multiple plans is crucial to finding the most suitable coverage.
• Availability: Not all professional associations and unions offer health insurance plans, or they may be limited to specific geographical regions. Travel nurses should research the organizations relevant to their profession and check if health insurance coverage is a benefit available to them.

Joining a professional association or union can provide travel nurses with access to specialized health insurance plans that cater to their unique needs. These plans may offer competitive rates, a network of providers familiar with healthcare professionals, and additional benefits beyond health insurance coverage.

In the next section, we will discuss important considerations for travel nurses when selecting health insurance coverage.

When selecting health insurance coverage as a travel nurse, there are several important considerations to keep in mind. These factors can help ensure that you choose the best plan that meets your healthcare needs, fits your budget, and provides the necessary coverage during your assignments. Here are some key considerations:

Coverage Needs: Assess your specific healthcare needs, taking into account any pre-existing conditions, medications, and anticipated medical services. Consider whether you require coverage for routine check-ups, preventive care, or specialized treatments. Understanding your needs will help you identify the level of coverage required.

Network of Providers: If you have preferred healthcare providers or specialists, check if they are included in the plan’s network. Consider whether the plan allows you to seek care from out-of-network providers if needed, as travel nurses often move between different locations and may require flexibility in accessing healthcare services.

Costs and Affordability: Evaluate the costs associated with the health insurance plan, including premiums, deductibles, co-payments, and out-of-pocket limits. Consider your budget and ensure that the plan’s costs align with what you can comfortably afford, taking into account both monthly expenses and potential unforeseen medical expenses.

Portability: As a travel nurse, portability is vital. Look for health insurance plans that offer portability, allowing you to maintain coverage as you move between assignments or change employers. Consider whether the plan has any restrictions or requirements regarding employment status or geographic location.

Flexibility: Assess the flexibility of the health insurance plan in terms of choosing healthcare providers and accessing services. Determine if the plan allows for out-of-network coverage, if there are any limitations on specialist referrals, and how easy it is to make changes to the plan or add family members if needed.

Additional Benefits: Consider any additional benefits or features offered by the health insurance plan. This could include telemedicine services, wellness programs, prescription drug coverage, mental health services, or maternity care. Evaluate these additional benefits based on your individual needs and preferences.

Plan Comparisons: Take the time to compare different health insurance plans, considering their coverage, costs, network of providers, and additional benefits. Look for online resources, seek advice from colleagues or professional associations, and consult insurance brokers if necessary. This research will help you make an informed decision.

Review Policy Details: Read and understand the policy details, including any exclusions, waiting periods, or limitations. Pay attention to the fine print and ask questions to clarify any uncertainties. Understanding the terms of the policy will help you avoid surprises or unexpected gaps in coverage.

By carefully considering these factors, travel nurses can select a health insurance plan that provides the necessary coverage, fits their budget, and offers the flexibility they need as they navigate their assignments and changing healthcare environments.

Even once you have chosen a health insurance plan, it is important to regularly review and reassess your coverage. As your needs evolve, it may be necessary to make adjustments or explore different options to ensure you have the most suitable health insurance coverage during your career as a travel nurse.

Finalize the article with a concluding paragraph.

Health insurance is a critical consideration for travel nurses, providing both financial protection and access to quality healthcare services. As travel nurses navigate their assignments and move between locations, understanding the various options for obtaining health insurance coverage is essential to ensure their well-being and peace of mind.

In this article, we explored several options available for travel nurses to obtain health insurance, including employer-sponsored plans, private health insurance, the Health Insurance Marketplace, Medicaid, and other government programs, as well as coverage offered through professional associations and unions. Each option has its own benefits and considerations, and travel nurses must evaluate their individual circumstances, needs, and preferences when selecting a plan.

Employer-sponsored health insurance can offer convenience, comprehensive coverage, and potential cost savings, but eligibility and portability may vary. Private health insurance plans provide flexibility, customization, and portability, although costs can be higher. The Health Insurance Marketplace offers affordable coverage options and financial assistance, but the provider network and plan options may differ. Medicaid and other government programs cater to low-income individuals and families, providing comprehensive coverage but with eligibility requirements specific to each state. Professional associations and unions can also provide specialized health insurance plans tailored to healthcare professionals.

Alongside these considerations, travel nurses should assess their coverage needs, evaluate provider networks, consider costs and affordability, determine portability, and review additional benefits when selecting health insurance. By carefully weighing these factors and comparing different plans, travel nurses can make informed decisions that align with their healthcare needs and financial realities.

Health insurance coverage is not a one-time decision. As travel nurses embark on their assignments and advance in their careers, it is important to periodically review and reassess their coverage. With changing circumstances and evolving healthcare needs, adjustments may be necessary to ensure ongoing protection and access to the best possible healthcare services.

Ultimately, choosing health insurance coverage is a proactive step toward safeguarding one’s health and financial well-being as a travel nurse. By understanding the options, considering individual needs, and conducting thorough research, travel nurses can secure the right health insurance coverage to confidently embark on their journey as healthcare professionals.

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Car Insurance for Travel Nurses

Table of Contents

Travel nurses have unique needs when it comes to car insurance. From legal requirements to liability and comprehensive coverage for frequent travel, there are many factors to consider when selecting the right car insurance policy. In this article, we explore the ins and outs of car insurance for travel nurses. We'll discuss why travel nurses need car insurance and the different types of coverage available. We will also offer tips for comparing car insurance providers and customizing policies to meet the unique needs of traveling healthcare professionals.

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Why Travel Nurses Need Car Insurance

Travel nurses play a critical role in providing healthcare services to different communities. With their work requiring frequent travel, it is paramount for them to have reliable car insurance. Auto insurance companies offer policies designed to cater to the unique needs of medical professionals like travel nurses.

Having adequate car insurance not only gives travel nurses peace of mind but also ensures that they can legally and safely perform their duties. In this article, we will discuss the different aspects of car insurance for travel nurses, including legal requirements, liability protection, and comparing insurance companies for the best coverage.

Legal Requirements and Liability Protection

All states require car owners to have a minimum level of auto insurance coverage, making it essential for travel nurses to have at least a basic insurance policy. The primary purpose of auto insurance is to protect drivers against financial losses due to accidents, theft, or other unforeseen situations. Insurance companies offer different types of coverage, including liability protection, which is a legal requirement in most states.

When travel nurses have liability insurance, they are protected against the financial burden of compensating another party when they are at fault in an accident. Insurance companies provide coverage for bodily injury and property damage, ensuring that the travel nurse is not personally liable for the costs. A car insurance company may also offer uninsured and underinsured motorist coverage, protecting the policyholder if they are involved in an accident with a driver who has insufficient insurance or none at all.

Collision and Comprehensive Coverage for Frequent Travel

Travel nurses spend the majority of their time on the road, often driving in unfamiliar and challenging conditions. Collision insurance is essential for these healthcare workers, as it covers damages to their vehicle in case of an accident with another car or object. Auto insurance companies offer collision coverage, ensuring that the policyholder is protected from expenses related to repairs or vehicle replacement.

In addition to collision coverage, comprehensive car insurance is crucial for travel nurses. Comprehensive coverage protects against damages caused by incidents other than collisions, including theft, vandalism, fire, and natural disasters. This type of coverage can be especially beneficial for travel nurses who are frequently away from home, as it offers protection against unexpected events that can lead to costly repairs or vehicle loss.

Unforeseen Circumstances and Emergencies

Travel nurses may face numerous unpredictable situations while on the job. While some incidents can be anticipated, others can occur out of the blue and put healthcare workers in emergency situations. By having the appropriate auto insurance policy, travel nurses can ensure they have the necessary coverage to protect themselves and their vehicles.

For instance, insurance companies often offer roadside assistance as an add-on to auto insurance policies. This feature can provide valuable support to travel nurses in need of a tow, jumpstart, or other emergency services. Additionally, having adequate medical coverage as part of an auto insurance policy can ensure that healthcare workers receive the proper care in the event of a car accident.

Comparing Car Insurance Providers for Travel Nurses

When looking for car insurance, travel nurses should use an auto insurance comparison platform to assess multiple companies and policies. A free auto insurance comparison tool can help identify which insurance provider offers the best coverage and car insurance rates tailored to healthcare professionals. By comparing policies from multiple companies, travel nurses can find cheap auto insurance rates without sacrificing essential coverage.

When using an auto insurance comparison platform, travel nurses should search for auto insurance discounts specifically for medical professionals. Many car insurance companies recognize the vital role healthcare workers play and offer specialized discounts. For example, some top companies may provide a car insurance discount for nurses, resulting in lower insurance rates and saving money in the long run.

The Main Factors to Consider

Before selecting an auto insurance company, travel nurses should consider several factors that can affect their coverage and car insurance rates. These may include:

• The state's minimum coverage requirements
• The value of their vehicle
• Driving history and frequency of travel
• Optional coverages, such as roadside assistance and rental car reimbursement
• Discounts available for healthcare workers
• Customer reviews and financial stability of the insurance company

By considering these factors when shopping around, travel nurses can make an informed decision and select the insurance company that best fits their needs and budget.

Customizing Car Insurance Policies for Traveling Professionals

Travel nurses have unique insurance needs due to their mobile lifestyle, and they should customize their car insurance policy to address those specific requirements. Customization options could include having a higher liability limit due to frequent travel or opting for a full coverage policy with both collision and comprehensive coverage for greater protection.

Moreover, it is essential for travel nurses to communicate their profession to the insurance company, as this can lead to increased eligibility for discounts and tailored policies. By working closely with their chosen insurer, travel nurses can create a personalized auto insurance policy that accommodates their transient work life and provides the necessary coverage and protection on the road.

Managing and Maintaining Car Insurance While on Assignment

As a job seeker or someone who often goes on work assignments, it's essential to manage and maintain your car insurance coverage effectively.

One crucial aspect of managing your car insurance is to regularly compare auto insurance rates from different companies. A free auto insurance comparison tool can help you find the best deals and discounts available from various companies, thereby enabling you to select the most suitable car insurance company for your needs and save money on premiums.

Another critical aspect is ensuring that your insurance coverage is continuously updated to reflect your current situation. This involves updating your information and address changes, as well as checking whether your car insurance company offers rental car insurance and reimbursement when required.

Updating Information and Address Changes

When you change your address, it's crucial to update your auto insurance policy accordingly. Not doing so might result in your car insurance coverage becoming invalid or inaccurate and may cause problems in case of an accident or claim. Furthermore, if you move to a different state, you may be subject to different auto insurance regulations and requirements.

To update your address, contact your car insurance company and provide them with your new address and any updated information. Keep in mind that the changes in your location may affect your car insurance rates. For example, some areas are considered high risk for theft or accidents, while others may have lower risks. Consequently, your auto insurance company might increase or decrease your auto insurance rates based on your new address.

Moreover, certain life changes, such as marital status or even your profession, can result in a different car insurance discount. For instance, healthcare workers might qualify for specific auto insurance discounts that were not applicable before. Make sure to provide your insurance company with all updated information, so you don't miss out on any auto insurance discounts.

Rental Car Insurance and Reimbursement

When on assignment, you might be using rental cars frequently, or you might be required to use your car for work-related purposes. In such situations, it's crucial to ensure that your auto insurance coverage adequately covers rental cars or provides reimbursement for work-related expenses.

Some car insurance companies offer rental car insurance as part of a full coverage policy, while others might require you to purchase additional coverage. Before renting a car, check with your insurance company to see if your current auto insurance policy covers rental car insurance. If not, you may have to buy rental car insurance coverage from the rental car company itself.

If your job requires you to use your car for work-related engagements, your current auto insurance policy might not offer sufficient coverage. In some cases, personal auto insurance coverage may not cover accidents or damages resulting from work-related use. So, make sure to disclose your work-related car usage to your insurance company to ensure proper insurance coverage. Many insurance companies offer a separate business use policy with additional coverage for such situations.

Keep in mind that some auto insurance companies offer reimbursement for rental car insurance or work-related car use expenses. It's essential to check with your car insurance company regarding their reimbursement policies and submit the necessary paperwork to claim such reimbursements.

In conclusion, managing and maintaining car insurance while on assignment involves keeping track of changes in your personal information, address, and work-related car usage. Regularly checking and updating your auto insurance policy will ensure that you have accurate coverage, enabling you to avoid potential difficulties in the future. Additionally, leveraging free auto insurance comparison tools can help you find the most suitable car insurance company, coverage, and rates according to your current needs and circumstances.

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Understanding Your Options When Searching for the Best Insurance for Travel Nurses

by Trusted Nurse Staffing | Jul 6, 2021 | News | 0 comments

It can be mind-boggling.

Trying to sift through the endless details of multiple insurance plans.

What exactly do you need to best serve you and your gypsy lifestyle?

If getting your own insurance is new to you, or just confusing, have no fear. 

We’re here to break down every detail about health insurance for travel nurses, so you can find the best health insurance option for you.

Table of Contents

Options for health insurance for travel nurses, health insurance via a travel nurse agency, health insurance via a private plan.

• Travel Nursing and Health Insurance Benefits 

Do Traveling Nurses Get Health Insurance?

How does health insurance work for travel nurses, travel nurse health insurance faqs, as a tns travel nurse, what health insurance benefits would i get, trusted nurse staffing provides some of the best insurance for travel nurses.

When it comes to medical insurance for travel nurses, there are two options:

• Insurance through a travel nurse agency
• Private insurance

Regardless of whether you decide to sign up for the travel nurse insurance plan provided by your travel nursing agency or choose to opt for a private plan, we’re here to make sure you fully understand the plan you’re signing up for.

There are a ton of reasons to work with a travel nurse agency, and health insurance for travel nurses is one of them.

Let’s take a look at the pros of going with health insurance for travel nurses through a travel nurse agency.

The pros of getting travel nurse insurance through a travel nurse agency include the following: 

• Often the agency’s health insurance plan is cheaper than finding your own solution. 
• The agency will handle all the details of the travel nurse insurance process, meaning you don’t have to spend your time shopping around.
• Sometimes an agency will cover a portion of your coverage as a bonus for signing to insure through them.
• Since the agency is providing insurance to a huge number of nurses, many insurance companies are willing to offer more coverage than a nurse could get on their own. 

Many times, insurance companies are willing to offer more coverage to agencies that cover many nurses. This accumulation of coverage allows insurance companies to offer more benefits because they spread the risk over more plans. 

This is called “risk pooling” and it is a very common practice in the insurance industry.

• Choosing to stick with the travel nurse insurance that is provided through your travel nursing agency means you don’t have to take the time to shop around to find your own health insurance.

The cons of getting travel nurse insurance through a travel nurse agency include the following:

• Not every travel nurse agencies’ health insurance starts right away. Sometimes plans don’t take effect until a month into the assignment.
• Travel nurse insurance through an agency only covers you while you are on their assignment. This means that if you work for more than one agency, you will have a gap in coverage between assignments.
• Insurance through an agency depends fully on your employment. If you like to travel between assignments, you would not be covered, so you will need to maintain employment to have consistent coverage. Additionally, if you were to get terminated, your coverage would also be terminated.

At Trusted Nurse Staffing, we offer employee-sponsored Blue Cross & Blue Shield health insurance as well as Guardian Dental and Vision insurance.

The pros at Trusted Nurse Staffing make it so easy that all you have to do is sign on the dotted line.

Although many travel nurse agencies offer travel nurse insurance, some nurses opt to find their own coverage through a private plan .

Private insurance for travel nurses may be helpful for those who change agencies often. However, if you choose to change travel nurse agencies, paying for travel nurse insurance through COBRA can be expensive.

When looking into the best medical insurance for travel nurses, private insurance may be the best option for those who: 

• Have a family
• Have a specific medical condition that may not be covered under the agency plan
• Change travel nurse agencies frequently

Private insurance for travel nurses can be a bit more pricey but can offer more flexibility.

Options for private insurance for travel nurses include:

• Preferred provider organization – PPO
• Health Maintenance Organization – HMO
• Point-of-service – POS

It is important to note that some private insurance plans can be lacking when it comes to providing good coverage for mental health and annual wellness benefits. So you will definitely want to take that into consideration when making your insurance decision.

Travel Nursing and Health Insurance Benefits

Travel nursing comes with a myriad of benefits, such as … 

• Earning more money than you would on a traditional nursing path
• Working with a wide variety of patient populations
• The opportunity to sharpen your clinical skills
• Traveling the country
• Housing and meal stipends
• Learning new EMR systems
• Getting your credentials and licenses paid for
• Having the freedom and flexibility to work where you want, when you want
• The ability to take time off to spend time with family and friends

… PLUS having access to top-of-the-line travel nurse insurance.

They do! Many agencies offer health insurance for travel nurses, freeing them from the hassle of finding their own medical insurance. Alternatively, a nurse may also choose to seek private insurance for travel nurses through a private insurance plan.

It depends on the agency. Some agencies’ health insurance for travel nurses doesn’t take effect until the nurse has been with the agency for a month. 

Additionally, travel nurse insurance through an agency covers the nurse only while on assignment with that particular agency.

At Trusted Nurse Staffing, our team is continually evaluating our health insurance, designing it with the nurses and their lifestyles in mind. 

We understand that travel nurses are a diverse group, ranging from family financial providers to those simply seeking to satisfy their Wanderlust. 

So whether you live to explore or are working to support your family, we’ve got you covered.

Typical Travel Nurse Insurance Benefits

These include the “must-haves” of health insurance for travel nurses, such as:

• Health Savings Account (HSA)
• Multiple plan options, including both high and low deductible plans 
• Dental and vision insurance 
• Paid sick leave

Additional Travel Nurse Insurance Benefits

Here, we’re talking about the extras —  the benefits that stand out and are designed to improve your quality of life. 

Things such as:

• Pet coverage
• Retirement accounts
• Employee assistance programs
• Critical illness insurance 
• Mental health benefits 
• Life insurance

Everyone has questions, especially when it comes to health insurance for travel nurses.

Here are the answers to our top travel nurse insurance queries:

What Insurance Do Travel Nurses Use?

When it comes to the best insurance for travel nurses, there are several options to choose from, including:

• Travel nurse insurance through an agency
• ACA-compliant individual or family
• Short-term health insurance

How Can You Find the Agency With the Best Insurance for Travel Nurses?

If you’re wondering how to find the best travel nurse agency insurance, look no further. 

It’s as easy as speaking to a Trusted Nurse Staffing representative !

Besides helping you choose the right travel nurse insurance for your needs, your TNS rep will:

• Listen to your goals, interests, and availability
• Analyze your education experience and work history to help you customize your resume to get the exact position you’re hoping for
• Put together a list of possible assignments, based on your individual skillset
• Set up a phone interview with the facility hiring manager
• Consult with you on the details of any job offers to help ensure that you’re getting exactly what you want
• Assist with all pre-hire compliance, including setting you up for drug screenings, making sure your certifications are up-to-date, and walking you through the onboarding process at your new facility
• Be available to you 24/7 as the go-to for all of your questions (including your health insurance questions) or concerns during your assignment
• Negotiate for you as needed
• Help extend your current assignment, if you would like, or help you choose your next adventure

What Happens to Health Insurance Coverage During Gaps in Travel Nursing Assignments?

Flexibility is one of the perks of travel nursing, and it’s not unusual for nurses to take time off between contracts to:

• Visit family and friends
• Enjoy the holidays 
• Take a vacation; or
• Spend additional time exploring their current location

But what happens with your insurance while you’re off exploring? Are you covered during gaps in assignments?

At Trusted Nurse Staffing, your insurance starts on the first day of the month after you start your assignment, and coverage continues until the last day of the month in which your assignment ends. 

If you decide to pick up another assignment within 30 days, your insurance continues. 

If you decide to move on, your coverage would be terminated.

Some nurses choose to go through alternative insurance providers to ensure coverage during gaps.

What Is the Best Health Insurance for Travel Nurses?

When it comes to the best insurance for travel nurses, it depends on the needs of each individual nurse. 

Options to choose from include:

Trusted Nurse Staffing offers employee-sponsored Blue Cross & Blue Shield health insurance to all of our travel nurses. 

As one of our nurses, you will receive full, prepaid health insurance. 

Plus, you’ll get a loaded HRA card so that the cost of insurance comes out of our pocket, not yours.

Whether you’re interested in providing care to cancer patients or working as a labor and delivery nurse, Trusted Nurse Staffing can help you find the position that’s perfect for you.

Not only some of the best insurance benefits out there, but we go out of our way to help each of our nurses reach their travel nursing goals.

Here are a few of the things that make Trusted Nurse Staffing stand out from other travel nursing agencies:

• Our nurses have 24-hour access to their recruiters.
• As a smaller company, we are always here to answer the phone and address any questions or concerns that may arise.
• We provide prepaid health insurance, including a fully loaded HRA card.
• We offer dental and vision plans with options for low and high deductibles.
• Each of our new nurses receives a welcome box, complete with fun Trusted Nurse Staffing swag.
• We have a department specifically devoted to quality assurance, meaning we are ready and able to go to bat for our nurses.
• We have a great loyalty program, and as your employment with us continues, you’ll accumulate points that are redeemable for cool prizes.

What are you waiting for? Contact us at Trusted Nurse Staffing today !

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Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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Is It Safe in Germany?

Is It Safe in Iceland?

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Allianz Travel Insurance Review 2024

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While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

Allianz Travel Insurance Review

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its One

Allianz is well reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Coverage Options Offered by Allianz

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Travel Insurance Cost

Allianz single trip travel insurance estimates.

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Allianz travel insurance quotes:

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

• $153 for OneTrip Basic
• $195 for OneTrip Prime
• $270 for OneTrip Premier

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

Compare Allianz Travel Insurance

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options .

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

Read our guide on the best credit cards with travel insurance here.

Allianz Travel Insurance Frequently Asked Questions

Is allianz a good travel insurance company.

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

How does Allianz cover COVID?

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

Which Allianz plan is best?

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

Does Allianz require proof of incident?

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Does Allianz cover missed flights?

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

Why You Should Trust Us: How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the top travel insurance providers in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance methodology here.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

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Is Moscow Safe? Crime Rates & Safety Report

On Feb. 24, 2022, Russia invaded its neighbor country Ukraine, starting a war between these two countries.

This act of invasion caused many Ukrainians to flee their country and seek shelter in places like Poland, Hungary, Slovakia, etc…

At this time, we recommend no travel to Russia or Ukraine, or any neighboring countries for your own safety.

Russia : Safety by City

• Nizhny Novgorod
• Novosibirsk
• Saint Petersburg
• Yekaterinburg

Moscow, the capital of Russia, is a political, scientific, historical, architectural and business center of this huge country.

It’s one of the most visited places in Russia, and for good reason.

The best-known parts of Russia are concentrated precisely in the urban areas and cities like Moscow and Saint Petersburg.

Moscow’s history attracts the most tourists, as they are fascinated by it is a surreal and sometimes brutal but nevertheless thrilling and jaw-dropping national story.

In this city, visited by 17 million tourists annually, the history, told in its numerous museums, some of which are the world’s greatest, interacts with modernity.

For example, in the Garden of Fallen Monuments (Fallen Monument Park), you can see entire clusters of modern art contrasting with the very non-conceptual Communist monuments.

• Warnings & Dangers in Moscow

OVERALL RISK: MEDIUM

Generally speaking, Moscow today is safe as much as other cities in Europe, despite its problematic history with criminal activity in the 90s. However, if you’re planning on traveling to Moscow, keep in mind that you should always keep your guard up and remain aware of your surroundings, just in case.

TRANSPORT & TAXIS RISK: LOW

Generally speaking, transportation in Moscow is safe, but you should bear in mind that kidnappings have been known to happen, mostly in unlicensed taxis, so be careful when hailing one on the streets. Keep in mind that the most dangerous areas where small crime tends to occur are the underground walkways, called “perekhods”. Only use official services like Yandex Taxi, Uber or Gett taxi.

PICKPOCKETS RISK: HIGH

Pickpocketing is very common in Moscow, and surprisingly it is mostly performed by groups of children. Pay attention to your belongings, don’t leave them in plain sight and be especially careful in crowded places like stations or near tourist attractions.

NATURAL DISASTERS RISK: LOW

Moscow isn’t particularly susceptible to natural disasters. Some blizzards and snowstorms are possible during winter which can affect the traffic and delay your flights. During winter, be prepared to face the below-freezing temperatures.

MUGGING RISK: MEDIUM

The situation improved drastically when it comes to kidnappings and muggings. Generally, never accept free drinks or food when you’re in a club or a bar. Drink spiking and then attacking and robbing the victim have been reported on numerous occasions.

TERRORISM RISK: HIGH

After the recent terrorist attack in the subway in St. Petersburg the probability of this situation happening again in Moscow is very high.

SCAMS RISK: HIGH

There are many scams in Moscow, usually performed by children trying to distract you and then steal some money from you. Never talk to strange kids on the street. Also, you should avoid playing street gambling games.

WOMEN TRAVELERS RISK: LOW

Women are generally safe in Moscow, though you should avoid finding yourself alone in clubs or bars, and of course, apply all normal precaution measures like avoiding remote and poorly lit streets and areas.

• So... How Safe Is Moscow Really?

Moscow experienced a rise when it came to crime rates during the 1990s.

Violent crime, as well as petty crime and scams,  had increased, but the biggest part of the violence was within the criminal groups themselves, and it didn’t affect foreigners that much.

However, it decreased since the 90s, so right now, for tourists, Moscow isn’t more dangerous than any other European city, it’s even less so.

The crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.

Also, you can count on the officials to be uncorrupted – don’t ever try to bribe them: you will be charged with bribery.

Bear in mind that if you are a member of the LGBT community, there is no reason to avoid Moscow altogether but you should refrain from any public displays of affection.

As of June 2013, “homosexual propaganda to minors” is prohibited, which means that any discussion of gay rights or homosexuality issues in the presence of minors is punishable by law.

While you walk around Moscow, you might encounter police officials that may demand to see your papers to check if you have been registered within 7 business days of your arrival into Moscow.

You shouldn’t have any problems with this, because if you stay in a hotel then you are automatically registered and will be handed a confirmation paper.

• How Does Moscow Compare?
• Useful Information

Most countries do need a visa to enter Russia, and if you’re a U.S. citizen you must possess both a valid U.S. passport and a bona fide visa issued by a Russian Embassy or Consulate. None of the nationals that do need a visa can acquire one upon arrival, so make sure you apply for your visa in advance. If you are not sure about your visa status, visit www.doyouneedvisa.com which will let you know whether or not you need visa based on your nationality and the country you want to visit.

The Russian ruble is the official currency in Moscow. ATMs are widespread throughout the country and credit cards are accepted everywhere.

Moscow has a highly continental influenced climate characterized by warm to hot and dry summers and extremely cold, freezing winters with temperatures as low as -30°C – sometimes even lower, with heavy snowfall.

Sheremetyevo International Airport is the Russian busiest international airport. It is located in Molzhaninovsky District, Northern Administrative Okrug, in Moscow, about 29 km northwest of central Moscow.

Travel Insurance

Just like anywhere else, we advise getting travel insurance when traveling to Moscow, because it would cover not only medical problems but also theft and loss of valuables.

Moscow Weather Averages (Temperatures)

• Average High/Low Temperature

Russia - Safety by City

• Where to Next?

9 Reviews on Moscow

That's just not true.

The person who wrote the text obviously have never been in Moscow and in Russia at all. This is ridiculous. Even about pickpocketing, the risk at most is medium, mugging is zero in historical places but is pretty high in sleeping quarters

Your rating is only two stars for safety though? So I am confused. Are you rating the article to be in poor taste?

I went to Moscow in 2021. I enjoyed the trip. I felt there were “unsafe areas” so I avoided them. So long as you know where you are going and don’t insult the locals, you should be fine.

51% safe?! Is this out of date?

Moscow and Russia in general are MUCH SAFER than Paris or London, yet those latter are more than 15 points ahead?!

Hell, it’s even admitted in the above text: “Moscow isn’t more dangerous than any other European city, IT’S EVEN LESS SO.” Yeah, you bet! And then: “the crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.” So why the low rating? I don’t get it.

Also, the latest terrorist attack in Moscow happened in 2010… so how can you honestly say that the risk is still “high”? Especially for the fact Russia is very much on the edge when it comes to fighting terrorism domestically and over the world.

Sure, it might not be ideal everywhere in Moscow, but it’s WAY SAFER than in Paris, especially at night. You just can’t go out in Paris after the evening anymore, in most areas (I got assaulted for no reason at Châtelet-les-Halles and taking the RER train at dark is becoming more and more risky)… while in Moscow, chances are that you’ll see girls in miniskirts walking home while quietly singing. Or maybe you’ll stumble upon some gorgeous lady asking you for a lighter and then giving you her number for a coffee the next day. So very dangerous!

I sense a serious bias, here. Is it because of that LGBT thing? Could you pick a more extreme case? Yeah, you can totally be gay in Russia, just be so in private. There even are transsexuals, but this is a traditional and respectable country, so you should respect their choice of not publicizing various sexual lifestyles.

Moscow and Saint Petersburg are safe

Moscow and Saint Petersburg are very safe in my opinion! I’ve been to both cities visiting family! There are so many people out on the streets and on public transportation- I felt very safe! You need to change your ratings!!

Any update on Covid-19 to visit Moscow

I visited 118 country and Moscow one of the safest city I have been, st Petersburg as well, I read this article hoping to find any update on covid-19 restrictions upon arrival, so if anyone can update I’m planning to visit Moscow again but I need to know if quarentain is required or mandatory, anyone can share, cheers.

In Russia nobody cares, masks off. I dont know if fiew thousands of infected per day are high for you though. I was never arrested for not wearing mask, but you have to have it on you. Sometimes cops ask to put mask, you just do that and everything ok, some shops can refuse to do service if you dont have mask. I assume they pressured by boss, so just put on mask, they can give you gloves and dont cause any problems.

Written by someone who never visited Russia

A veer biased review. Moscow or St. Petersburg for being such brilliant truly cosmopolitan cities are extremely safe. Pickpocketing in Russia?! By children?! Who wrote this? Clearly by someone who has never been to the great country of Russia.

Have never been there. But wish me well

Bias review, Moscow is much safer than that!

This review is so bias and just wrong! First of all apart from being a political, scientific and etc center, it is an absolutely beautiful city and a very culturally rich city. For tourists there’s a huge range of delicious food, amazing shopping, a lot of cultural activities, and all sorts of entertainment. I’ve travelled there in December 2019, and most of the time I spent walking around and exploring by myself, be it during day time or night, nothing happened to me once. I mostly used subways and sometimes taxi, both safe. Just have a common sense when it comes to safety and you’ll be fine. You need to travel there at least once in a lifetime, it’s a completely different experience and it’s a beautiful one, NOT a communistic terrorist epicenter as some describe it to be.

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Article Contents

• Moscow : Safety by City
• Overall Risk
• Transport & Taxis Risk
• Pickpockets Risk
• Natural Disasters Risk
• Mugging Risk
• Terrorism Risk
• Women Travelers Risk
• Weather Averages (Temperatures)
• User Reviews
• Share Your Experience

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Safety Index

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Politics latest: RAF 'flew into the face of danger to protect civilians', says PM as pilots 'shot down' Iranian drones

Prime Minister Rishi Sunak condemned Iran's "reckless attack" on Israel "in the strongest terms".

Sunday 14 April 2024 16:07, UK

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• 'Number of drones' shot down by RAF - Sunak
• PM condemns Iran's 'reckless attack' on Israel in 'strongest terms'
• Minister confirms RAF jets flew to Middle East overnight  | What did they do?
• Dominic Waghorn: UN and G7 will try to choreograph a united call for calm and restraint in Middle East
• 'Perfectly reasonable' for Starmer not to see Rayner's legal advice
• Live reporting by Faith Ridler

But before you go, here are the headlines:

• Prime Minister Rishi Sunak has confirmed that a "number of drones" sent by Iran were shot down by the Royal Air Force in the Middle East overnight;
• He said: "What we now need is for calm heads to prevail";
• Members of the G7 partook in a video call today to discuss the developments, which saw Iran launch 300 missiles and drones towards Israel;
• Health Secretary Victoria Atkins was unable to say whether an airline has been found to send asylum seekers to Rwanda - despite suggesting the scheme will be running "within weeks";
• Angela Rayner has said she will "do the right thing and step down" if she is found to have committed a crime in the police investigation into her former living arrangements.

We'll be back from 6am with all the latest.

Angela Rayner is set to become the UK's deputy prime minister if Labour wins the next general election. 

Here's what you need to know about the party's deputy leader - from her early life and career in politics to the abuse and controversy she has faced...

Also on the agenda today, we will likely get continued reaction to deputy Labour leader Angela Rayner's admission that she will "step down" if she is found to have committed a crime.

Greater Manchester Police (GMP) confirmed on Friday it was re-examining allegations the deputy Labour leader may have broken electoral law over information she gave about her living situation a decade ago.

GMP made the decision after Tory MP James Daly informed the force of claims made by neighbours that allegedly contradicted Ms Rayner's statement that her property on Vicarage Road, Stockport, was her main residence and not her husband's - as some have claimed.

According to electoral law, it is an offence to knowingly provide false information in a voter registration application form.

Ms Rayner has repeatedly said her house on Vicarage Road was her main address and not Lowndes Lane, the home owned by her then-husband Mark Rayner that is situated about a mile away.

You can read more from Sky News below:

Scotland's First Minister Humza Yousaf has called on the international community to "demand" players in the region abide by UN Security Council resolutions.

Mr Yousaf said he "condemns" Iran's attempted attack on Israel as he has "all and every regional escalation".

"There is not going to be a military solution to the conflict we see in the Middle East, there is only going to be a political and diplomatic solution," he said.

"We know that violence begets violence and therefore it's imperative now that the international community demand - not request, but demand - that all parties abide by UN security resolutions, such as a call for an immediate ceasefire (in Gaza)."

The first minister added: "We can't afford to see any more loss of life, because innocent civilians have already had to pay far too high a price for the actions of a number of countries and therefore we need to see de-escalation as opposed to further escalation in the region."

The Sky News live poll tracker - collated and updated by our Data and Forensics team - aggregates various surveys to indicate how voters feel about the different political parties.

As the local election campaign gets under way, Labour is still sitting comfortably on a roughly 20-point lead, averaging at 43.3% in the polls, with the Tories on 23.6%.

In third is Reform UK on 12.5%, followed by the Lib Dems on 9.4%.

The Green Party stands at 6.3%, and the SNP on 3.0%.

See the latest update below - and you can read more about the methodology behind the tracker  here .

As the fallout from the Westminster honeytrap scandal continues to unravel, Beth Rigby, Jess Phillips and Ruth Davidson explain why contacts are so valuable in Parliament and ask what William Wragg's resignation tells us about Rishi Sunak's leadership.

And, with Labour riding high after two major polls predicted landslide victories at the upcoming election, should Keir Starmer be worried about voter complacency?

Plus, Beth, Ruth and Jess talk about the impact of Dr Hilary Cass’ review into gender identity services for under-18s in England.

👉 Listen above then tap here to follow Electoral Dysfunction wherever you get your podcasts 👈

Email Beth, Jess, and Ruth at [email protected] , post on X to @BethRigby, or send a WhatsApp voice note on 07934 200 444.      

Warning: some strong language. 

By Adam Boulton , Sky News commentator 

Soul searching about the UK's role in the world has broken out again following the publication of a pamphlet by senior diplomats including Mark Sedwill, a former Cabinet Secretary and National Security Adviser.

The World in 2040: Renewing The UK's Approach To International Affairs is being denounced for suggesting the Foreign Office should change its name and tone down its grand headquarters built in 1868 at the height of Great Britain's imperial pomp.

The authors believe a lower profile would befit the reality of our station in the world.

"The UK finds itself today in a changed role as a medium-sized 'off shore' power", the report asserts without explicitly mentioning Brexit.

"Our future has more in common with G20 nations like Japan and in Europe like Norway and Switzerland whose economies are closely linked to major economic neighbours."

Over a year ago, Rishi Sunak made five pledges for voters to judge him on.

The prime minister met his promise to halve inflation by the end of 2023.

But with the general election approaching, how is Mr Sunak doing on delivering his other promises?

You can see the progress for yourself below:

Israel's air defence system is one of the most effective in the world.

The Iron Dome began operating in 2011, largely in response to the 2006 war that ended with Hamas taking control of Gaza the following year.

It uses radars to detect and intercept short-range rockets, missiles and drones.

The Iron Dome was developed by Israel's state-owned Rafael Advanced Defence Systems with US support.

The system consists of a series of truck-towed mobile units placed strategically throughout the country.

By Faye Brown , political reporter

A cabinet minister was unable to say whether an airline has been found to send asylum seekers to Rwanda - despite suggesting the scheme will be running "within weeks".

Health Secretary Victoria Atkins told Sky News's Sunday Morning With Trevor Phillips: "We want them (flights) to take off as quickly as possible... We very much plan to have it within weeks."

Asked whether the government has a carrier yet, Ms Atkins said: "The Home Office is working on this, and so believe you me, the Home Office is ready to go."

"They haven't got one, have they?" Phillips asked.

Ms Atkins said: "We have seen some real progress in the last year with the reduction in small boat crossings by a third... but this is one part of our overall plan to cut illegal migration."

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