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Leisure Care Travel Insurance: Unbiased Reviews for Your Peace of Mind

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Care Travel Insurance: A Review

Care Travel Insurance is a type of insurance that provides coverage for medical expenses and other costs incurred while traveling outside of your home country. It is important to have Care Travel Insurance in case you become ill or injured while traveling, as it can help to cover the costs of medical care, hospitalization, and other expenses.

Benefits of Care Travel Insurance

There are many benefits to having Care Travel Insurance, including:

• Peace of mind: Care Travel Insurance can give you peace of mind knowing that you are protected if you become ill or injured while traveling.
• Financial protection: Care Travel Insurance can help to cover the costs of medical care, hospitalization, and other expenses, which can be very high in some countries.
• Access to quality care: Care Travel Insurance can help you to access quality medical care, even if you are traveling to a country with a different healthcare system.
• 24/7 assistance: Care Travel Insurance providers offer 24/7 assistance to help you with anything you need while traveling, such as finding a doctor or filing a claim.

Who Needs Care Travel Insurance?

Anyone who travels outside of their home country should consider purchasing Care Travel Insurance. This is especially important for people who are traveling to countries with high healthcare costs, or who are traveling for extended periods of time.

How to Choose a Care Travel Insurance Plan

When choosing a Care Travel Insurance plan, it is important to consider the following factors:

• The coverage you need: Make sure that the plan you choose provides coverage for the types of medical expenses and other costs that you are most likely to incur while traveling.
• The deductible: The deductible is the amount of money that you have to pay out-of-pocket before the insurance company starts to cover your expenses. Choose a plan with a deductible that you are comfortable with.
• The premium: The premium is the amount of money that you pay for the insurance policy. Compare premiums from different providers to find a plan that fits your budget.
• The claim process: Find out how easy it is to file a claim with the insurance company. You want to choose a company that has a reputation for paying claims quickly and fairly.

Care Travel Insurance is a valuable tool that can help to protect you if you become ill or injured while traveling. By taking the time to choose a plan that meets your needs, you can ensure that you have the coverage you need to travel with peace of mind.

• What is the difference between Care Travel Insurance and regular health insurance?

Care Travel Insurance is designed to cover medical expenses incurred while traveling outside of your home country. Regular health insurance may not cover expenses incurred while traveling, or may only provide limited coverage.

• How much does Care Travel Insurance cost?

The cost of Care Travel Insurance varies depending on the coverage you choose and the length of your trip. However, most plans start at around $50-$100 per year.

• Can I purchase Care Travel Insurance if I am already traveling?

Yes, you can purchase Care Travel Insurance even if you are already traveling. However, it is important to note that most plans have a waiting period before coverage begins, so you should purchase your insurance as soon as possible after you start your trip.

• What should I do if I need to file a claim?

If you need to file a claim, you should contact your insurance company as soon as possible. You will need to provide the company with information about your injury or illness, as well as any documentation that you have, such as medical records or bills.

• What are some tips for choosing a Care Travel Insurance plan?

When choosing a Care Travel Insurance plan, it is important to consider the following tips:

• Make sure that the plan you choose provides coverage for the types of medical expenses and other costs that you are most likely to incur while traveling.
• Choose a plan with a deductible that you are comfortable with.
• Compare premiums from different providers to find a plan that fits your budget.
• Find out how easy it is to file a claim with the insurance company.
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The Best Travel Insurance Policies Right Now — and How to Choose One During the Pandemic

With new variants coming and going during the pandemic, there’s renewed interest in being protected while making travel plans.

When COVID-19 first brought travel to an abrupt halt in 2020, travelers were shocked to learn that their insurance didn't cover changes due to an epidemic or pandemic, even one on a global scale. Many who were in the midst of their travels ended up having to shell out their own money, while those with future plans suddenly lost out on non-refundable bookings. Nearly two years into the new reality with variants spreading and ebbing, travel bookings are being made with more caution — with a major uptick in protecting those plans with travel insurance.

"We can't predict every new variant that arises, so for the foreseeable future, you have to expect some sort of COVID-related effect on your travel plans," NerdWallet 's credit card and travel expert Sara Rathner tells Travel + Leisure . "Not every vacation needs travel insurance — refundable flights and hotel bookings you can easily back out of can be enough for you. But for very expensive trips, especially if you're going abroad, you'll want to think of additional ways to protect your investment."

Megan Moncrief, chief marketing officer of insurance comparison company Squaremouth , says news of the omicron variant in recent weeks has already resulted in a shift in insurance purchases. "With news of a new highly transmittable variant, and in light of some countries already closing their borders, travelers may have less confidence about the likelihood of their borders remaining open and their travel being possible," she tells T+L. "Likewise, new and evolving requirements may complicate international travel more than travelers are willing to coordinate."

Those factors make travel insurance a more important consideration now. But navigating various offerings can be a challenge, especially when there may already be embedded coverage when booking through certain companies or certain credit cards. "We caution travelers to make sure they aren't overspending on a policy that doesn't cover their concerns, or if they can have adequate coverage elsewhere," Moncrief adds. "Due to the very specific nature of the COVID-19 pandemic and related concerns, we urge travelers to do their due diligence to understand what type of refunds are available to them elsewhere, and then do some research before investing in a travel insurance policy."

Here, we outline the major types of travel insurance — but no matter the policy you choose, make sure to read the fine print carefully and speak with your provider about any concerns.

1. Cancel for Any Reason (CFAR) Insurance

If you're worried about losing money on your trip, CFAR insurance is likely the best plan for you. "With it, you can recoup most of what you paid no matter the reason you back out of your trip," Rathner says. "If standard policies don't offer the level of coverage you want, this could be an option."

While the policy can typically be added 14 to 21 days after the initial trip deposit date, the major downside of CFAR insurance is that it's expensive and doesn't necessarily guarantee that you'll get all your money back. Moncrief says that CFAR plans are typically 40 to 50% more expensive than standard travel insurance policies, and they often only cover up to a 75% reimbursement of non-refundable trip costs, with others only covering 50%. But if border closures or last-minute cancellations due to variants or new travel requirements are a concern, this may be the way to go. Bottom line: This kind of policy might only be worth it if you're taking a really expensive trip.

2. Pandemic-specific Insurance

While many insurance providers have kept their policies pretty much the same (i.e. they still exclude the pandemic as a reason for coverage), a select few are offering new plans designed specifically for pandemic-concurrent travel. Seven Corners, for instance, has an option that includes COVID-19 medical coverage , which is valid for up to $100,000 in coronavirus-related medical expenses. Meanwhile, Allianz has added a special COVID-19 provision into some of its policies that cover cancellations, interruptions, and emergency medical expenses arising from contracting the virus before or during a trip. Again, reading the fine print is key.

"The biggest mistake we are seeing now is travelers simply assuming a policy can cover any inconvenience or change related to the pandemic," Moncrief says. "In reality, an insurance policy will only cover a very specific list of 'perils.' While this is typically a comprehensive list, the COVID-19 pandemic has brought to the forefront concerns that had never before been considered a threat to travel." She reiterates that border closures are one of the big examples that have come to light over the last two years with pandemic travel.

There are also travel insurance policies that have been developed specifically for the new ways in which people are traveling — namely, domestic road trips. Berkshire Hathaway Travel Protection launched its ExactCare Lite policy for that reason. Also, if you are traveling domestically, keep in mind that your health insurance will likely cover you during your trip.

3. Provider-offered Travel Insurance

In order to win back travelers, a number of airlines, hotels, and cruise lines started offering specific COVID-19 travel insurance policies, which might even be free. Cathay Pacific includes free COVID-19 travel insurance with every booking through the end of the year; Japan Airlines through Jan. 10, 2022; and Etihad through March 31, 2022. Hotel groups like Club Med , Iberostar , and Shangri-La are also providing similar programs. Cruise line Atlas Ocean Voyages has also implemented emergency evacuation and return-to-home insurance policies for all guests.

But again, not all provider-offered insurance plans are equal, which is why reading the fine print is crucial. "Most travel insurance policies offered through a travel supplier are mainly designed to provide benefits related to that supplier, meaning other concerns, like illness at the destination, may not be covered," Moncrief says. "Oftentimes, these policies leave off common benefits of a comprehensive travel insurance policy in order to be competitively priced."

4. Credit Card Travel Insurance

You're probably aware that many credit cards have travel insurance policies built into them. Those often provide enough trip cancellation, travel delays, rental cars, and baggage benefits. "Just remember that you need to use that card to make your bookings in order to get that coverage," Rathner says. "Simply carrying the card while paying with another one isn't enough."

If you're traveling with expensive items that you want covered, the maximum coverage on credit card benefits can help cover them. But in other cases, it may not fit your needs. "These policies rarely include medical coverage, which is a leading driver of travel insurance purchases, and in some cases, may require the trip to be entirely booked on that card for coverage to apply," Moncrief adds.

5. Standard Travel Insurance

Even though standard travel insurance typically excludes coverage for reasons related to a pandemic, many providers like airlines, hotels, and cruises are still offering flexible policies on rebooking and cancellation — which is just the kind of reassurance you need to book your trip. Just note that anything you've paid for outside of your flight, hotel, or cruise will likely not be covered, so you'd still be on the hook for those expenses. Additionally, some providers have very specific time frames for cancellation, while others only offer a credit toward future travels rather than a full refund.

"The worst thing a traveler can do is assume they are covered for anything that could happen," Moncrief says. "Especially now, given the impact of the COVID-19 pandemic on travel, it's more important than ever to do some extra research to truly understand your policy's coverage. We never want a traveler to pay the additional expense on an insurance policy on top of their other trip costs if it won't provide the protection they are looking for. Coverage does vary by plan, as does the maximum payout limits per benefit. Policies are also priced differently per demographic. Travelers can use an aggregator, like Squaremouth , to compare coverage and prices to find the best policy for their trip."

Related Articles

Introduction to TravelSafe Travel Insurance

• Coverage Options
• Purchasing and Managing a Policy
• Customer Service and Support

Compare TravelSafe Travel Insurance

• Why You Should Trust Us

TravelSafe Travel Insurance Review 2024

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

TravelSafe Insurance is a travel insurance company owned by the Chester Perfetto Agency, which provides a wide array of travel insurance options such as health, life, and auto insurance. TravelSafe can cover longer trips than many of its competitors, but charges high rates. It's also known for its golf-specific coverage. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Among the companies included in our guide on the best CFAR travel insurance , TravelSafe Insurance offers thick insulation against the unpredictability of travel. The trips that TravelSafe Insurance can insure are on the higher end of the industry, covering trips lasting up to 150 days and costing up to $100,000. TravelSafe Insurance's Classic plan also offers coverage for people who are up to 100 years old. 

One standout feature of TravelSafe Insurance is that all of its plans offer primary coverage, so you can file immediately with TravelSafe Insurance instead of going through your health insurance provider first, even with TravelSafe Insurance's Basic plan. Many travel insurance companies only provide primary coverage with their higher-tiered plans. 

That said, TravelSafe Insurance's Basic plan costs more than many travel insurance companies' most expensive plans. This brings up the issue of cost. While its plans are technically within the bounds of the average cost of travel insurance, TravelSafe Insurance certainly stretches those limits, and it's certainly more expensive than many of the best travel insurance companies.

Ultimately, TravelSafe Insurance is best for travelers taking an expensive trip who can afford expensive insurance. 

Coverage Options from TravelSafe

TravelSafe Insurance has two main policies for those seeking travel insurance: travel insurance for stateside and international travelers and travel insurance for those who are planning golf trips. For each policy type, travelers can choose between classic and basic coverage. And golfers can choose between GolfSafe Secure and GolfSafe Secure Plus.

Here's how the three TravelSafe Insurance travel insurance plans stack up in terms of what's included and coverage limits:

TravelSafe Insurance also offers specific golf insurance plans, which is something incredibly unique among travel insurance companies. If you're an avid golfer, purchasing golfing insurance will cover things like lost holes, something regular travel insurance won't. TravelSafe Insurance's golf insurance plan benefits are as follows:

Additional coverage options from TravelSafe

TravelSafe Insurance offers several optional coverages for its travelers:

Rental car damage and theft coverage:  Available for both Basic and Classic plans, this add-on covers up to $35,000 per covered vehicle.

Business and sports equipment rental:  Also available for both TravelSafe Insurance plans, your rental equipment is covered for up to $1,000.

CFAR coverage: Only available for Classic+, you'll receive 75% of your nonrefundable trip costs. You must purchase your policy within 21 days of your initial trip deposit. 

TravelSafe Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for TravelSafe Insurance plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate TravelSafe Insurance coverage costs.

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

• Basic: $112
• Classic: $147
• Classic (Plus): $274

Premiums for TravelSafe Insurance plans are between 3.7% and 9.1% of the trip's cost, within and above the average cost of travel insurance.

TravelSafe Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Basic: $153
• Classic: $202
• Classic (Plus): $377

Once again, premiums for TravelSafe Insurance plans are between 3.8% and 6.3% of the trip's cost, within the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Basic: $512
• Classic: $676
• Classic (Plus): $1,616

TravelSafe Insurance plans cost between 2.6% and 8.1% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Basic: $472
• Classic: $582
• Classic (Plus): $952

Premiums for TravelSafe Insurance plans are between 7.8% and 15.9%, which is well the average cost for travel insurance. While older travelers should expect higher premiums, these prices are on the higher end of what you should be paying. 

Purchasing and Managing a TravelSafe Policy

Purchasing a TravelSafe Insurance policy is fairly simple. You'll first need to obtain a quote through TravelSafe Insurance's website. Be prepared to provide the following details:

• State of residence
• Destination(s)
• Departure/return dates
• Date of initial deposit
• Total trip cost
• Number of travelers
• Birthday of traveler(s)

Once you obtain a quote and pick your plan, you'll enter some additional information about yourself, such as your address and contact information. 

How to File a Claim with TravelSafe

If you experience a loss while insured by TravelSafe, you need to act quickly. You have 20 days after the loss to notify TravelSafe Insurance, at which point an agent will send you forms for filing proof of loss. If TravelSafe Insurance don't send a form withi 15 days, you can send your own written statement about what happened along with proof. This must be completed within 90 days of the loss. 

You have several options if you need to file a claim for TravelSafe Insurance.

If you need emergency help, you can call their toll-free numbers below.

• Toll-free (US-only): 1-877-539-6729
• Direct: 1-727-475-2808

If you're international, call the following toll-free number: 1-866-509-7713.

TravelSafe Customer Service and Support

Almost all reviews for TravelSafe Insurance are concentrated on its SquareMouth page, where it has an average rating of 4.3 stars out five across over 1,500 reviews. Though an overall positive score, it's worth mentioning that most of the positive reviews come from people who didn't have to file a claim. Some of these reviews mentioned having to alter their insurance plan, which was an overall positive experience. 

However, many of the reviews that mention the claims process are negative. Customers mentioned long wait times, uncommunicative claims representatives, and little guidance during the claims process. Additionally, while many travel insurance companies regularly engage with reviews, both positive and negative, TravelSafe Insurance rarely replies to customer reviews.

Learn more about how TravelSafe Insurance travel insurance compares against top insurers. 

TravelSafe Travel Insurance vs Faye Travel Insurance

Faye Travel Insurance is a completely digital travel insurance company. Unlike TravelSafe Insurance, Faye Travel Insurance completely covers all cruise travel. Faye doesn't cover golf trips as TravelSafe Insurance does. They have similar amounts of coverage, but Faye Travel Insurance is about $20 cheaper for its comparable international plans.

Faye Travel Insurance covers your trip, your health, and your belongings just like TravelSafe Insurance does. But with Faye Travel Insurance, you can add different things that meet your needs, like car rental, extreme sports, and pet care.

Read our Faye travel insurance review here.

TravelSafe Travel Insurance vs World Nomads Travel Insurance

TravelSafe Insurance is an excellent option if you're traveling and participating in regular activities, like trying different foods and basic activities, like taking a train to places. But if you want to do extreme sports, it might not be the right coverage for you. Instead, consider getting a travel insurance plan like World Nomads Travel Insurance . World Nomads covers over 100 different extreme sports, and you can specifically add on different sports that you want to try. It's a better coverage insurance plan for someone who's a little bit more adventurous.

That said, if you're only planning on doing a specific activity, like golfing, TravelSafe Insurance has a plan for you. They cover golfing trips specifically with more coverage than World Nomads.

Read our World Nomads travel insurance review here.

TravelSafe vs Credit Card Travel Insurance

Some credit cards, especially travel rewards cards, come with travel benefits such as primary rental car insurance for your vehicle if you decide to rent one. However, travel insurance is generally more comprehensive than credit card coverage. For example, TravelSafe Insurance offers benefits like death and dismemberment coverage; credit cards don't typically cover this benefit.

However, you can use both your credit card benefits and your travel insurance to get the fullest coverage possible.

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

TravelSafe Travel Insurance FAQ

Yes, TravelSafe Insurance is known for providing reliable coverage for international travel, including medical emergencies and trip interruptions.

TravelSafe Insurance typically allows the purchase of travel insurance up until the day before departure, making it suitable for last-minute travel plans.

TravelSafe Insurance offers policies that include coverage for trip cancellations due to COVID-19, but it's important to review the specific terms and conditions of each plan.

Claims with TravelSafe Insurance are generally handled efficiently, with a straightforward process for filing and tracking claims, and timely reimbursements according to customer feedback.

Yes, TravelSafe Insurance offers the option to add adventure sports coverage to their policies, catering to travelers who engage in higher-risk activities.

Why You Should Trust Us: How We Reviewed TravelSafe

For this review, we made sure to include the most updated information and pulled real-time quotes from TravelSafe Insurance's website. We compared two different companies that had similar coverage to TravelSafe Insurance to ensure the best review possible. We only included reputable plans. And we looked at factors like what's covered, policy limits, and coverage options.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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