nib travel insurance annual policy

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Travel insurance

NIB Annual Multi-Trip review

Annual policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

Compare international travel insurance 2024 | choice.

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Travel Insurance

Hold tight!

We're currently revamping our travel insurance vertical. In the meantime, you can get a free online travel insurance quote through Fast Cover today!

Disclaimer:

We’ve partnered with Fast Cover, however, we do not act on their behalf. For questions relating to travel insurance policies, contact Fast Cover directly.

If you click on an affiliate link on our website and then make a purchase of the product or service, we may receive monetary compensation.

Fast Cover Travel Insurance provides travel insurance for a variety of trip types. You can get a travel insurance quote at fastcover.com.au or call 1300 409 322.

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• United States
• United Kingdom

NIB Travel Insurance

Our verdict: nib offers relatively basic travel insurance, with no specific cruise cover or adventure pack. however, members do enjoy a 10% discount..

In this guide

Summary of NIB International Comprehensive policy

How does nib travel insurance cover covid-19, what policies does nib offer, here's a breakdown of nib travel insurance features, standard features, optional add-ons, how to make a nib travel insurance claim, here's the bottom line about nib travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• There is no age limit on NIB's comprehensive policy, good news for older travellers.
• NIB covers over 40 pre-existing medical conditions as standard and extends cover for many more if travellers pay a higher premium.
• Although cruising is covered as standard, there's no add-on option for specific cruise-related risks including cabin confinement or missed port excursions.
• Individual benefits aren't particularly high in comparison to some other providers.

Compare other options

Congratulations, nib!

nib received the highly commended award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards.

Table updated September 2023

NIB offers cover for COVID-19 in a range of different situations and scenarios, including:

• Overseas medical costs related to COVID-19
• -you or a travelling partner is diagnosed with COVID-19
• -a close relative or business partner is hospitalised or dies due to COVID-19
• -you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
• Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
• Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
• Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
• Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.

There are some scenarios that are not covered by NIB including if you were diagnosed with COVID-19 before heading on your trip but you went anyway or if you knowingly put yourself in contact without someone diagnosed with COVID-19.

NIB offers five insurance policies to travellers. The two international policies are Comprehensive and Essentials. The two domestic policies are the Australian Travel Plan and the Cancellation and Additional Expenses Plan. Finally, the Annual Multi-Trip Plan offers cover for overseas and domestic travels, more than 200km from your home in Australia, for trips of up to 45 days.

International Comprehensive

International Essentials

Australian Travel Plan

Cancellation and Additional Expenses Travel Plan

Annual Multi-Trip

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that NIB will cover. These benefits may only apply on NIB's Comprehensive International Plan.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money
• Luggage and travel delay
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Accidental death

NIB also offers an add-on cover for snow sports.

• Snow Sports Cover. Cover for equipment, cancellation expenses, ski lift passes and ski run closure if you're heading to the slopes.

Unfortunately, travel insurance doesn't cover everything. Generally, NIB will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• An act of war, invasion or revolution
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications after the 26th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the NIB PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

Follow these instructions to make a claim from NIB Travel Insurance:

• Create a NIB account or log in to your existing account.
• Tell NIB what happened and lodge the expenses you're claiming.
• Check your email for relevant supporting documents to upload.
• Submit your claim and the NIB team will be in contact.

NIB Travel Insurance has fairly stock-standard benefits and limits. However, it has a strong focus on offering cover to travellers with pre-existing conditions and does not implement an age limit on its International Comprehensive policy.

Over 40 pre-existing medical conditions are covered as standard and travellers can apply to have their pre-existing medical condition covered for an extra premium.

If you're still not sure about NIB, you can compare other travel insurance companies here .

Does NIB cover pre-existing medical conditions?

NIB automatically covers more than 40 existing medical conditions, provided you satisfy the criteria for that condition. If your condition is not automatically covered, you can apply for cover. In many cases, NIB expects to be able to offer cover for an additional premium.

Can I purchase a NIB policy if I'm already travelling overseas?

Yes. However, there is a 72-hour waiting period for all policies purchased while travelling. If you purchase while you're travelling, you must get cover up to the date you will return to your home in Australia.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

More guides on Finder

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6 Responses

Why does Norfolk Island not show up as ‘No matches found’ in the destination option search?

You’re absolutely right, we haven’t yet built the functionality to include Norfolk Island on the form.

You may want to check out our page on domestic travel options . Since 2016, Norfolk Island has been considered a domestic territory of Australia meaning you’ll be covered by a domestic policy (assuming you’re flying to the island).

Of course, you can also get in touch directly with NIB about your needs should you need more assistance.

Best, James

Does NIB have unlimited cancellation costs?

NIB International Comprehensive and Annual Multi Trip has unlimited cancellation costs for both single and family cover.

Check out their Product Disclosure Statement on their website for further information.

Hope this helps.

Cheers, Jonathan

Seeking domestic repatriation insurance . We are a couple 82+ 76 travel and resort holiday -Melbourne to Queensland for 28 days ,our concerns are for a non road accident or illness ,and we are incapacitated ,how do we get home? We don’t need cover for luggage or resort refund,or hospitable medical costs. There is no ambulance covet for Such an event,say for a totally incapacitated person . We gave private cover with NIB

Hi Kathleen,

Thank you for your question.

You have contacted finder.com.au, we are a comparison and information service and not actually NIB Travel Insurance. NIB Travel Insurance is not currently one of the brands in our panel of travel insurers. If you would like to get cover from NIB you will need to contact them directly.

Most of the travel insurance brands won’t cover you for repatriation on the domestic policy. However, most of the brands will cover you for TPD while traveling in Australia. If you would like to compare quotes from the travel insurance brands in our panel, please head to the travel insurance home page.

Cheers, Zubair

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nib Travel Insurance

Important information on terms, conditions and sub-limits.

Are you a nib healthcare member? Or maybe just looking for travel insurance from a provider that makes the well-being of Aussies its business? Either way, if you’re considering a nib travel insurance policy, we’ve got the lowdown to get you started. 

Established in 1952, nib is one of Australia’s fastest growing health funds. Along with travel insurance, they offer health and life insurance to Aussies and New Zealanders. Offering a range of competitive travel insurance options underwritten by Lloyd’s, nib has your wellbeing in mind.

nib travel insurance policies

When you buy a travel insurance policy from nib, you can choose between comprehensive or select coverage. As well as choosing cover for a single traveller or for a family . Take a look at the full list of options in the table below:

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Comprehensive

Choose $10,000 to unlimited

Assessment required, may cost extra

Choose $5,000 to $40,000

Annual Multi Trip

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Are pre-existing medical conditions covered under nib travel insurance policies?

There are over 30 medical conditions that will be covered automatically and at no extra charge under nib travel insurance policies. Some conditions may have special eligibility criteria, so it's final to read the PDS and reach out to nib if you're not sure about your personal circumstances. You should always declare a pre-existing condition to your travel insurance provider to have on your certificate of insurance, otherwise, any claims you later make related to your condition may not be eligible. 

What optional additions are there with a nib travel insurance policy?

With a nib travel insurance policy, you’ll have the option to add extra features to tailor your cover to your trip. You can choose to increase cover for valuable items or for rental vehicles, to remove excess by paying an extra premium, or to add cover for snow sports to your policy.

Is it possible to cancel my nib policy?

Yes! You have 14 days to cancel your policy and get a full refund of your premium. You can also cancel after this cooling-off period, but you won’t be entitled to a refund. You also aren’t entitled to a refund if you’ve made a claim on your policy or have already started your trip. To cancel, just give nib a call.

How to make a claim with nib

If all goes according to plan, you’ll never need to know how to make a claim on your travel insurance policy. But sometimes the unexpected does happen, so it’s a good idea to know the process and keep in mind what you need to do to make your claim successful. Here are a few key steps to making a claim with nib travel insurance:

• Get a claims form, by contacting nib, either by email, phone or by visiting their website.
• Fill out the form in as much detail as you can. The more detail you can provide, the quicker and easier the claims process will be.
• Include any receipts, medical certificates, police reports or statements from transport companies that might be relevant to your claim. You’ll have to send the originals in with your claim, but don’t forget to keep a copy for yourself as well.
• Put your claim in no later than 30 days after your return home.
• You should hear back from nib within 10 business days.

How is nib rated by the Mozo Community?

Read how the Mozo community has rated nib travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

nib travel insurance

Overall 5.7

Value for money

Policy coverage

Customer service

Claims handling

Recent nib travel insurance customer reviews Recent nib travel insurance customer reviews

nib Travel Insurance review

Overall rating   1 / 10

Don't use NIB Travel insurance

Double standards, asking for documentation that has absolutely no bearing on the result of whether the claim should be paid. Asking for qantas to provide a letter why the flight was cancelled is outrageous. Proof was supplied that the flight was...

Full review

Double standards, asking for documentation that has absolutely no bearing on the result of whether the claim should be paid. Asking for qantas to provide a letter why the flight was cancelled is outrageous. Proof was supplied that the flight was cancelled via email and sms. NIB does thus to bully you into submission and they hope you find it all to difficult and give up. Shane on you NIB.

Value for money   4 / 10

Policy coverage   3 / 10

Customer service   1 / 10

Claims handling   1 / 10

Trust   1 / 10

Phillip, New South Wales, reviewed over 1 year ago

Nib are making my life a misery. My flight was cancelled by qantas. I received an sms in dubai from qantas advising of the cancellation. This resulted in me having to book another flight which I paid for. Nib will not payout until a letter is...

Nib are making my life a misery. My flight was cancelled by qantas. I received an sms in dubai from qantas advising of the cancellation. This resulted in me having to book another flight which I paid for. Nib will not payout until a letter is received from qantas as to the reason the flight was cancelled. Three other people with exactly the same insurance from nib who were with me on the same flight have been paid out without the need for a letter. Go figure . It all depends who reviews your claim. Pray you don't get Danielle. Nib are completely and comprehensively useless. I will never use them and nobody should either.

Value for money   2 / 10

Policy coverage   8 / 10

Overall rating   9 / 10

Competitive travel insurance Helpful with medical questions

Value for money   9 / 10

Policy coverage   9 / 10

Customer service   9 / 10

Trust   9 / 10

Christine, New South Wales, reviewed over 1 year ago

Overall rating   10 / 10

Outstanding customer service, would recommend.

Nib customer service is good and ready to help you. I was charged extra fees for a dental treatment because I was misinformed by one of the representatives so the next time I called, the manager happily credited back the extra amount and adjusted...

Nib customer service is good and ready to help you. I was charged extra fees for a dental treatment because I was misinformed by one of the representatives so the next time I called, the manager happily credited back the extra amount and adjusted that into my premium. As a result it restores my faith into the company and I’m thinking of going for another product with them soon. Both me and my wife have Nib cover and we are happy with them. I think it's a customers duty to be informed before going for medical treatments to be better informed. I would recommend Nib to friends and family because they've always been really helpful and affordable.

Value for money   8 / 10

Claims handling   10 / 10

Trust   10 / 10

Mathilde, Queensland, reviewed over 3 years ago

Overall rating   0 / 10

Waiting to respond 40 over minutes.

I am a nib Heath member and thought it would be better to choose no for travel insurance. How disappointing, I was put on hold 45 minutes or more. What a shame. Very poor service, would never recommend them to anyone.

Value for money   1 / 10

Policy coverage   1 / 10

Claims handling   0 / 10

Trust   0 / 10

Balvindar, New South Wales, reviewed about 4 years ago

Compare nib policies with other Australian insurance providers

Travel insurance is the most important thing you’ll pack for your upcoming trip, so why wouldn’t you take the time to compare all the options available to you and make sure you’re getting the best possible deal? And now, it’s easier than ever with Mozo’s travel insurance comparison tool to do the hard work for you. You just need to give us some details like your destination and travel dates, and we’ll show you a range of the travel insurance policy options that are available to you.

And while you’re there, hop across to our travel hub for all the latest hints, tips and tricks on saving money while you trek across the globe. If you’re in the market for some tips from genuine travellers like yourself, our best $20 series is a must-read for some ideas on how to spend an inexpensive afternoon abroad.

Compare Travel Insurance from major brands including:

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising.

We do not compare all brands in the market, or all products offered by all brands. At times certain brands or products may not be available or offered to you. If you proceed with a travel insurance policy through Mozo, Mozo may receive a referral fee.

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Best Annual Travel Insurance in 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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

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

Factors we considered when picking travel insurance companies

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

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

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

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

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

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

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

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

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

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

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

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

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

2. Seven Corners

What makes Seven Corners great:

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

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

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

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

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

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

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

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

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

What does travel insurance cover?

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

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

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

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

Many credit cards come with complimentary travel insurance .

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

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

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

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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