arag travel insurance

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Insurance conditions

No. NUMBER 552016384

POLICYHOLDER: ALSA GRUPO SLU

TRAVEL ASSISTANCE FOR PEOPLE

Extract of coverages, limits and exclusions.

As soon as ARAG is notified, in accordance with the procedure indicated in Article 10, of an incident covered by this policy, ARAG guarantees the provision of the following services:

1. Medical and health care

ARAG is responsible for all expenses arising from the intervention of health-care professionals and establishments required to ensure the Insured, sick or injured Party’s care.

The following services are expressly included, without limitation:

a) Attention by emergency medical teams and specialists.

b) Complementary medical examinations.

c) Hospitalisations, treatments and surgeries.

d) Supply of medication when hospitalised or reimbursement of its cost for injuries or illnesses that do not require hospitalisation.

e) Treatment of acute dental problems, understood as such to be infection, pain or trauma requiring emergency treatment.

ARAG is responsible for these costs up to a limit of € 900 per Insured Party or its equivalent in a local currency when these events take place abroad or € 750 in Spain.

Dental expenses are limited, in any case, to € 30 or its equivalent in local currency.

2. Repatriation or transportation of the injured or ill

In the event of an accident or illness, ARAG will be responsible for:

a) The cost of transportation by ambulance to the nearest clinic or hospital.

b) Revision by a Medical Team, led by the doctor who treats the injured or ill Insured Party, to determine the suitable measures for the best treatment and eventual transfer to another more appropriate Hospital, Health Centre or their home address.

c) The cost of transporting the injured or ill person, by the most suitable means, to the prescribed hospital, health centre or their home address.

The transport used will in each case be decided by ARAG’s Medical Team according to the urgency and severity of the case. In Europe and countries bordering the Mediterranean, a specially conditioned medical aeroplane is available.

If the Insured Party is admitted to a hospital or health centre far from their habitual residence, ARAG will be responsible for the subsequent transfer to their habitual residence.

In the event that the Insured Party does not live in Spain, they will be repatriated to the location where their trip began in Spain.

The total limit of this guarantee is set at € 2,000.

3. Repatriation or transportation of a deceased Insured Party

Should the Insured Part pass away during a trip, ARAG will arrange for the transfer of the body to the place of burial in Spain and will be responsible for those expenses. These costs include postmortem conditioning according to legal requirements.

Burial and ceremony costs are not included.

ARAG will arrange for the return of an accompanying Insured Party to accompany the body to the place of burial in Spain.

4. Theft and damage to luggage

Compensation for damage and/or loss of the Insured Party’s luggage or personal effects is guaranteed in cases of theft or total or partial loss caused by the carrier or fire or assault occurring during the course of the trip, up to a maximum of € 300.

50% of the total luggage amount insured can be destined for coverage of cameras and photography, radio, sound, image devices and their accessories.

This clause excludes theft and simple loss that occurs because of the Insured Party's fault, as well as jewellery, money, documents, valuables and sports and computer equipment.

For purposes of detailing the above exclusions, the following shall apply:

• Jewellery: set of objects made from gold, platinum, pearls or precious stones.
• Objects of value: set of silver objects, paintings and works of art, any kinds of collections, and fine furs.

In order to cover any property or damages in the case of theft, the report given to the competent authorities must be presented.

5. Compensation for delay of transportation

ARAG will reimburse, up to a maximum limit of € 300, the costs of a new ticket, in cases a public transport connection is missed due to the delay of an ALSA bus.

In order for this coverage to be applicable, there must be a difference between the Alsa bus expected arrival time and the departure time of the connecting transport of more than three hours. The hotel and maintenance expenses incurred during the wait for this connection will also be covered, for a total amount of up to € 100.

For the processing of this claim, the Insured Party must present supporting documents issued by the Owning Body of the means of transport certifying the delay, as well as the original invoices of the expenses incurred.

This compensation will be paid provided it has not already been covered by the Transport Company.

Expenses incurred in a location other than where the Insured Party must wait for the new connection are not covered by this policy.

Cancellations for transportations departures will not be covered by this policy, i.e. not travelling in the planned mode of transport in which at least one seat was reserved.

6. Sending urgent messages.

ARAG will arrange the delivery of any urgent message issued by the Insured Party deriving from an event covered by this policy.

The agreed insurance does not include:

a) Voluntary acts by the Insured Party or those acts in which the said person is guilty of malevolent intent or gross negligence.

b) Ailments or chronic or/or pre-existing illnesses, as well as their consequences, suffered by the Insured party prior to taking starting the trip.

c) Suicide death and injury or illnesses resulting from the intent of the Insured Party to injure themselves and those derived from criminal actions.

d) Diseases or pathological conditions produced by the consumption of alcohol, psychotropic drugs, hallucinogens or any drug or substance with similar characteristics.

e) Aesthetic treatments and the supply or replacement of hearing aids, contact lenses, glasses, orthoses and prostheses in general and any type of mental illness. Likewise, claims derived directly or indirectly from complications occurring after the seventh month of pregnancy are excluded.

f) Injuries or illnesses resulting from the Insured Party's participation in gambling, competitions or sports events, skiing and any other winter sport or those called adventure activities and the rescue of people at sea or in mountains or deserts.

g) Conditions that result, directly or indirectly, from events produced by nuclear energy, radioactive radiation, natural catastrophes, military actions, riots or terrorist acts.

h) Any type of medical or pharmaceutical expense that cost less than € 9

The coverages included in this policy will be exclusively applicable during the duration of the contracted transport service, and during the Insured Party’s stays in ports, stations, terminals or airports in order to embark or disembark from the contracted means of transport.

Those countries which, during the Insured Party's trip or travels, are in a state of war or siege, insurrection or conflict of any kind or nature, even when they have not been officially declared, and those that specifically appear on the receipt or in the Particular Conditions are excluded from the coverage.

It is expressly agreed that the Insurer's obligations derived from the coverage of this policy, end the moment the Insured Party returns to their habitual residence, or when they have been admitted to a health centre located at a maximum of 25 km distance from the aforementioned address (15 km in the Balearic and Canary Islands).

I NFORMATION TO THE INSURED

Prior to signing this contract, the Policyholder has received the following information, in compliance with the provisions of Article 96 of Act 20/2015 of 14 July, on the Organisation, Supervision and Solvency of Insurance and Reinsurance companies, and Articles 122-126 of its regulations:

• - The Insurer is ARAG SE, a German company whose registered office is in Düsseldorf, at ARAG Platz no.1, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) being responsible for supervising and monitoring of its activity. It is authorised to operate in Spain under the right of establishment through its branch ARAG SE, Sucursal en España, with Tax ID number W0049001A, and registered offices in Madrid, Calle Núñez de Balboa, 120; it is listed in the Registro administrativo de la Dirección General de Seguros y Fondos de Pensiones under reference E-210.

The Insurer declares that, in the event of its liquidation, Spanish regulations with regard to liquidation will not be applied.

• - The law applicable to the Insurance Contract is Spanish, in particular, Act 50/1980 of 8 October, on Insurance Contracts.
• - In the event of any dispute with the Insurer, the Policyholder or Insured may seek redress through arbitration or through the ordinary Spanish courts of law.

Please note that ARAG SE, Sucursal en España offers its insured customers the following Customer Service contact numbers depending on the procedures they wish to carry out:

• - For modifications and/or inquiries about the policy contracted you can call the telephone number 93 485 89 07 - 91 566 16 01, or send an email to [email protected]
• - For submitting complaints and/or claims to the company, the ARAG S.E. Sucursal en España has a Customer Service Department at c/ Roger de Flor, 16, 08018-Barcelona, email: [email protected], website: www.arag.es to attend to and resolve complaints by insured persons in connection with their legally recognised rights and interests. The Department will resolve the issue within two months from the date on which the complaint was submitted.
• - In the event of disagreement with the resolution adopted by the Customer Service Department, or if a period of two months has passed without a response being received, the claimant may contact the Servicio de Reclamaciones de la Dirección General de Seguros y Fondos de Pensiones at Paseo de la Castellana, 44, 28046 - Madrid, or the website: www.dgsfp.mineco.es and the telephone number 902 19 11 11.
• - You can view the Report on the insurer's solvency and financial situation at https://www.arag.com/company/financial-figures.
• - By providing bank details for payment of the insurance premium, the Policyholder/Insured party authorises the relevant amount to be charged to the account detailed in this document, or to any other account notified to the Insurer for this purpose, throughout the duration of the Contract.

ISSUED IN MADRID

For the Company

Member of GEC

INFORMATION REGARDING DATA PROTECTION

THE POLICY HOLDER

Data processor

The entity responsible for processing personal data is ARAG SE, Sucursal en España, whose NIF is W0049001A and registered address is C/ Núñez de Balboa no. 120, 28006 Madrid. Email: [email protected] Webpage: www.arag.es. You can contact the Data Protection Office at [email protected].

Purpose and recipients

The information provided will be processed for the purpose of establishing, managing and developing contractual relationships between you and the data processor, as well as for the prevention of fraud.

We will also process your personal data to inform you about our products and for quality control purposes in the provision of the guarantees of your insurance contract.

We will not pass on your personal data to third parties except in the following cases: applicable regulations oblige us to, for legitimate interests or with prior consent from the owner of the data.

Your data will be accessible to ARAG SE, Sucursal en España third-party collaborators who intervene in the formalities arising from underwriting the insurance and the effective provision of its guarantees.

If you need assistance and you are outside the European Union, we may need to transfer your personal data to other countries in order to effectively fulfil the guarantees of your insurance contract.

Your data will be kept during the validity of the insurance contract. After its termination, they will be blocked during the legally required periods for the purpose of determining any liability arising from their processing. Once the statutory limitation periods have elapsed, the data will be deleted.

Authentication

The legal basis for processing your personal data is the execution of the insurance contract you have signed with this insurance company. Providing your data is essential for the formalisation of this insurance contract, which is not possible without them.

The legal basis for processing the data for direct marketing and satisfaction surveys is a legitimate interest in meeting your expectations as a customer and improving the quality of the service received. You can oppose the processing of your data at any time in the manner described in the Rights section.

The legal basis for transferring data to third parties is constituted by provisions in insurance regulations that either protect the legitimate interest of the entity or impose specific obligations on it for the development of its activity, in regard to the insurance contract (Law 50/1980 on Insurance Contract), regulations on ordination, supervision and solvency (Law 20/2015 on Ordination, Supervision and Solvency of insurance and reinsurance entities) and other regulations governing insurance activity.

The legal basis for transferring your data to a country outside the EU is the need to execute the guarantees provided in your policy.

You have the right to access your personal data subject to processing, as well as request the rectification of inaccurate data or, where appropriate, request its deletion when the data is no longer necessary for the purposes for which it was collected. You can also exercise your rights of opposition and limitation to the processing and transfer of the data.

You can exercise your rights by writing to the data processor, ARAG SE, Sucursal en España, by email [email protected] or if you prefer, by post addressed to C/ Roger de Flor, 16, 08018, Barcelona (include “Attention to: ‘Data protection’” on the envelope). Please include or attach a copy of your ID or passport. In the event that your above rights request is not complied with, you can submit a complaint to the Spanish Data Protection Agency (www.agpd.es).

Third party(s’) personal data

Regarding other individuals’ personal data that must be given to ARAG SE, Sucursal en España, in order to formalise this policy, they must be informed - prior to the communication of their data - of the information contained in the preceding paragraphs.

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ARAG launches new travel insurance for Covid-19

Insurer arag has launched its new travel assistance product in spain, which is an adapted product for the times of the covid-19 pandemic.

The product is called ARAG Special Stays and is aimed at national trips and day visits to border countries. As explained by the company, this insurance is created "to guarantee safety and tranquility in this year's vacation trips, in which most of them will be within the country due to the international medical emergency situation."

It will also offer coverage for day trips to Portugal, France and Andorra. Those insured with this product will have medical and healthcare cover, including Covid-19 disease cover, and convalescence in a hotel if necessary, as well as a professional driver or early return.

In addition, if the trip has to be cancelled, the policy offers coverage for cancellation expenses for up to 20 different causes and includes reimbursement of holidays. It also includes the costs of an early return due to hospitalisation or death of a relative. As a novelty, ARAG Especial Estancias includes coverage for pets.

The company highlights that all coverage and guarantees will be provided ‘without restrictions for coronavirus’.

PassportCard launches international health insurance in Germany

Blink launches travel insurance service blink luggage, rightpath releases new features for its claims platform.

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Travelers Plans How to Travelers Plans in The World

Arag travel insurance.

Traveling is one of the best ways to unwind, explore new cultures, and create unforgettable memories. However, as enjoyable as traveling can be, it can also be unpredictable. From flight cancellations and lost luggage to medical emergencies and accidents, there are several unforeseen circumstances that can ruin your travel plans and turn your dream vacation into a nightmare. This is where Arag travel insurance comes in, offering you the best protection for your travel plans.

What is Arag Travel Insurance?

Arag travel insurance is a comprehensive insurance policy that covers various travel-related risks and emergencies. It is designed to provide you with peace of mind as you explore different destinations around the world. Arag travel insurance covers various aspects of travel, including medical expenses, trip cancellations, lost or stolen luggage, flight delays or cancellations, and personal liability, among others.

Why Do You Need Arag Travel Insurance?

Traveling can be unpredictable, and unforeseen circumstances can occur anytime. Arag travel insurance is essential because it provides you with a safety net in case of such eventualities. With Arag travel insurance, you can travel with peace of mind, knowing that you are covered in case of medical emergencies, lost luggage, or flight cancellations. Additionally, Arag travel insurance offers 24-hour emergency assistance, providing you with support and guidance in case of any emergencies.

What Does Arag Travel Insurance Cover?

Arag travel insurance covers various aspects of travel, such as:

How to Purchase Arag Travel Insurance?

Purchasing Arag travel insurance is easy and convenient. You can purchase it online from the comfort of your home or through a travel agent. To purchase Arag travel insurance, you will need to provide your travel details, such as the dates of your trip, your destination, and the number of travelers. You will also need to select the coverage options that suit your travel needs and budget.

Traveling can be exciting and adventurous, but it can also be unpredictable. With Arag travel insurance, you can rest assured that you are covered in case of unforeseen circumstances, giving you peace of mind as you explore different destinations around the world.

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AIG Travel Guard Insurance Review: What to Know

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Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Debido a la situación de conflicto y guerra declarada en Palestina, Israel, Rusia, Bielorrusia y Ucrania y el cierre de su espacio aéreo, nuestros seguros no pueden cubrir ningún viaje a estos destinos mientras dure la situación. Te informaremos cuando esta situación cambie y se puedan volver a contratar seguros para viajes con destino a los países indicados.

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Escoge el seguro según tu viaje:

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El seguro perfecto que incluye la posibilidad de cancelar tu viaje y recuperar el dinero invertido:

El seguro para viajes con destino a cualquier lugar del mundo.

El seguro ideal para las familias con menores de edad.

Este seguro es para extranjeros que queráis disfrutar de vuestra estancia dentro del espacio Schengen:

Seguro ideado para los viajes de crucero.

El seguro ideal para los que queréis disfrutar de los deportes de invierno con total tranquilidad.

Las coberturas indispensables para el viaje de estudios al extranjero:

Estas son las coberturas necesarias para los viajes de hasta 1 año de duración:

Precio ejemplo para 1 persona durante 90 días por Europa

Seguro ideado para grupos a partir de 5 personas:

Para obtener el precio es necesario que nuestros asesores contacten con vosotros para ofreceros las mejores coberturas a vuestras necesidades

Seguro que incluye las coberturas veterinarias para los que viajan con sus mascotas:

Si estás preparando un viaje pero tienes tus dudas sobre qué cubre tu seguro a partir de la aparición del coronavirus es importante que leas las siguientes aclaraciones.

Con esta información pretendemos ayudarte con las dudas que te puedan surgir como siempre, sobre cualquier aspecto en tu seguro de viaje . Recuerda que puedes contactar con nosotros para aclarar todas tus dudas lo mejor posible.

Sí , en caso de contagio nuestros seguros de viaje* , con cobertura de asistencia médica, cubre por COVID-19 .

Como asegurado, en caso de dar positivo por enfermedad COVID-19 antes del viaje, podrás recuperar los gastos de cancelación hasta el límite contratado. Si se trata de un familiar hay cobertura si este es sintomático y es hospitalizado como mínimo una noche o necesita estar en cama 3 días (en los 7 días previos al viaje).

En este caso el seguro de viaje no cubre gastos de cancelación de viaje si se declarada o está declarada la pandemia por COVID-19 en el país destino al que quieres viajar.

*Condiciones sujetas a la contratación de la modalidad 48 “Viajeros Plus” comercializado en este sitio web y Venta Directa (teléfono o solicitud)

Asistencia médica: ARAG te facilitará todo lo que necesites, poniendo a tu disposición los equipos y servicios médicos más adecuados para atenderte allí donde te encuentres

Gastos de anulación de viaje: Si sufres un accidente de última hora y debes anular tu viaje, te reembolsamos los gastos de cancelación

Repatriación: Si estás herido o enfermo ARAG se hará cargo del traslado hasta la clínica u hospital y si tienes que ser trasladado a tu domicilio, organizaremos el transporte

Coberturas de equipajes: Si pierdes tu equipaje durante el transporte, pierdes o te roban tus documentos, te gestionaremos su búsqueda y te indemnizaremos si es necesario

¡y muchas coberturas más!

Valoraciones (últimos 12 meses)

Un proceso de compra muy sencillo, simplemente perfecto.

Ver todas las opiniones

Descargar Condicionado General del Seguro ARAG Viajeros Plus (PDF | 531.3 kB)

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Estés donde estés, ARAG cuenta con una red de especialistas distribuida por todo el mundo. Esto te permitirá olvidar la búsqueda de personal médico en un país extranjero, ya que solamente contactando con nosotros, te ofreceremos lo que necesitas. Esta cobertura cubre toda la atención médica y sanitaria incluyendo la intervención quirúrgica en caso de que sea necesaria, lo que te hará viajar con total tranquilidad.

Además de cubrir tu asistencia médica, nuestros seguros te ofrecen la garantía de que serás repatriado siempre que el equipo médico no lo prohíba por motivos de salud. En caso de fallecimiento, ARAG se hará cargo de los costes que genere el viaje de vuelta de los restos y de todos los que se derivan de este proceso sin incluir la inhumación ni la ceremonia.

Los viajes seguros siempre son más felices y uno de los imprevistos que suele arruinarlos es la anulación del mismo. Con esta cobertura, te reembolsaremos los gastos de transporte hasta el importe que hayas contratado. Para beneficiarte de esta cobertura es imprescindible que la contrates durante los 7 días naturales posteriores a la contratación de los billetes del medio de transporte .

Una de las quejas más habituales de los viajeros tiene que ver con problemas e incidencias con el equipaje, ya sean daños materiales, pérdida total o parcial del equipaje debido al transportista y robo del mismo. Con esta cobertura te garantizamos una indemnización por daños y pérdidas de tu equipaje o efectos personales en caso de robo, pérdida total o parcial debida al transportista o daños a consecuencia de incendio o agresión, ocurridos durante el transcurso del viaje, hasta el máximo contratado. Esta indemnización es complementaria a la que recibas por la compañía de transporte. Por ello, deberás presentar el justificante de la indemnización correspondiente de la empresa transportista, la relación detallada del equipaje y su valor estimado. Con esta garantía no queda cubierto el hurto ni la simple pérdida causada por tu olvido. Tampoco las joyas, el dinero, documentos personales ni el material deportivo e informático.

La app gratuita para tener todas las prestaciones de tu seguro de viaje a un solo clic así como la opción de preparar tu viaje antes de partir. Descárgatela ya y descubre todas las prestaciones. ¡Te sorprenderá!

Contrata aquí tu seguro de viaje en 3 cómodos pasos: escoge tu tipo de viaje, introduce tus datos, realiza el pago con tarjeta y recibirás tu seguro al instante por e-mail.

Llámanos y nuestros asesores te gestionarán la contratación. Si lo prefieres, te podemos llamar nosotros gratuitamente.

Rellena el formulario y nuestros asesores contactarán contigo en un plazo máximo de 24 horas.

Consulta a tu corredor de seguros acerca de los seguros de ARAG. Si no tienes ninguno, llámanos.

Si eres cliente y necesitas contactar con nosotros desde España, llámanos y nuestro equipo de asistencia te atenderá. Estamos aquí las 24 horas los 365 días del año.

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Si eres cliente y necesitas contactar con nosotros desde el extranjero, llámanos y nuestro equipo de asistencia te atenderá. Estamos aquí las 24 horas los 365 días del año.

Llámanos al 0034 933 001 050

Práctico y móvil: Guarda información útil de tu seguro ARAG en una tarjeta wallet en tu smartphone. Si eres cliente de ARAG con la tarjeta Wallet tendrás tu póliza siempre a mano. Encontrarás:

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Am best revises outlooks to positive for arag insurance company.

OLDWICK, N.J., April 10, 2024 --( BUSINESS WIRE )-- AM Best has revised the outlooks to positive from stable and affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of "a+" (Excellent) of ARAG Insurance Company (ARAG) (Des Moines, IA).

These Credit Ratings (ratings) reflect ARAG’s balance sheet strength, which AM Best assesses as strongest, as well as its strong operating performance, neutral business profile and appropriate enterprise risk management (ERM).

The outlook revision to positive reflects ARAG’s long-term operating performance, which has outperformed similarly assessed peers, both in terms of its underwriting and total return metrics. ARAG’s favorable operating performance has proven to be sustainable, with its single line of business, personal legal insurance, historically producing minimal loss severity with loss reserve development patterns that are relatively short-tail. The severity of each loss is largely limited by the specific nature of the coverages and the pre-defined fee structure. Additionally, ARAG’s ability to quickly process claims through its fast-track claims payment system has afforded it significant discounts from the attorney network utilized for services rendered. These factors have enabled ARAG to outperform its peers consistently.

ARAG’s balance sheet strength is assessed as strongest based on its strongest level of risk-adjusted capitalization, as measured by Best’s Capital Adequacy Ratio (BCAR), modest underwriting leverage, strong liquidity measures, conservative investment strategy, relatively predictable claims development patterns and low reinsurance dependence. These positive factors are partially offset by the substantial annual stockholder dividends paid to the parent company, ARAG North America, Inc., which have limited the company’s surplus growth in recent years.

The business profile is assessed as neutral as the company is a provider of personal legal insurance in the United States with a market-leading position offsetting its single line of business concentration. The company distributes its products primarily through employers as part of their employee benefits package, targeting those that have 250 or more employees in a wide variety of industries that have historically demonstrated strong participation levels in similar legal plans.

The company’s ERM program is considered appropriate for the size and scope of its operation, as it adheres to a conservative risk appetite and maintains an established corporate governance structure.

Positive rating action could occur in the near term if ARAG’s operating performance continues to trend favorably compared with similarly assessed peers, while maintaining stable premium growth and policyholder retention. Negative rating action could occur if risk-adjusted capitalization materially weakens, including as a result of outsized dividends.

This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best's Credit Ratings . For information on the proper use of Best’s Credit Ratings, Best’s Performance Assessments, Best’s Preliminary Credit Assessments and AM Best press releases, please view Guide to Proper Use of Best’s Ratings & Assessments .

AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com .

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Robert Gabriel Senior Financial Analyst +1 908 882 1789 [email protected]

Christopher Sharkey Associate Director, Public Relations +1 908 882 2310 [email protected]

Daniel Teclaw Director +1 908 882 2390 [email protected]

Al Slavin Senior Public Relations Specialist +1 908 882 2318 [email protected]