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Assurance Voyage en ligne - Allianz Travel

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Assistance médicale, déclarer un sinistre, nos produits, assurance vacances (option annulation), assurance multi voyages, 🕒 délai de souscription du contrat.

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Pourquoi choisir allianz travel, anticiper les frais médicaux à l’étranger grâce à la souscription à une assurance voyage.

Qu'est ce qu'une assurance voyage ?

Pourquoi ai-je besoin d'une assurance voyage ?

Quand et comment souscrire à un contrat d’assurance voyage ?

Les contrats et assurances vacances présentent-ils les mêmes garanties que les assurances proposées avec ma carte bancaire ?

Qu'est ce que comprend la garantie annulation ?

En quoi consiste la garantie Assistance et rapatriement médical ?

Qu'est ce que l'avance et prise en charge des frais médicaux ?

Qu'est ce que le service Téléconsultation voyageur

Qu'est ce que l'interruption de séjour ?

Qu'est ce que la couverture bagages / effets personnels ?

Qu'est ce que la garantie Vol Manqué ?

Qu'est ce que la garantie Retard de Transport ?

Qu'est ce que la garantie de rachat de franchise de votre véhicule de location ?

Qu'est ce que la garantie Responsabilité Civile à l'étranger ?

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Trusted Travel Insurance. Nearly 30 Years of Expertise.

Medical, Trip Cancellation and Interruption, and Baggage Protection Insurance: Tour+Med covers travelling Canadians of all ages.

Get 24/7 support anywhere around the world, plus access to our network of medical experts.

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Read about our travel insurance products, contact emergency assistance, traveling with peace of mind..

Tour+Med has been providing travel insurance to Canadians of all ages for almost 30 years.

We are a trusted name among Snowbirds, but our competitive premiums, comprehensive coverage, and personalized approach meet the needs of all types of Canadian travellers.

Take advantage of our global network of medical experts.

Travel confidently!

Why choose Tour + Med

Travel insurance specialists.

Our experts take the time it takes to provide advice and answer your questions.

Personalized coverage

We customize your coverage so it suits your needs.

We are here for you, every step of the way

We are by your side at all times; from your purchase to your claim, including assistance.

Simple and clear

We simplify processes and documents to help you understand the insurance you are buying.

Testimonials

Thanks for all your help in the past months. Special thanks to (employee from Claims Services), who always was respectful, caring, knowledgeable and responsive. We have passed on your company name to everyone we talk to regarding emergency medical & travel insurance.

We have had Tour-Med for the last 7-8 years.

And …yes… we did had an expensive claim:

• service was EXCEPTIONAL
• response and attention to detail was IMPECCABLE
• claims payments were PROMPTLY made…NO HASSLES…they paid and delivered EXACTLY what they promised.
• have NOT had a premium increase due to the 2 claims as far as we can tell.
• after discharge from hospital, they followed up with us to find out if anything was still standing and how we were doing.

They are not the cheapest nor most expensive but we FULLY endorse their policies.

We sent our documents for cancellation of our trip and received the refund in less than 10 days. Extraordinary service. I will deal with Tourmed again.

I unfortunately had a motor bike accident in Utah in July, 2023.  I was severely injured and spent a week in the hospital. I received EXCELLENT care and was 'medevact' to my home in BC on a private jet with two medical attendants..I can only imagine the cost for all this as all the bills were paid for by Tour+Med. Any bills I did receive I simply forwarded to them for payment. No questions asked!  I UNEQUIVOCALLY  recommend Tour+Med!!  Choosing Tour+Med as my insurer saved my life and my retirement pension!!  With gratitude, R.R.

We received a letter last week informing us that my husband's invoice from the hospital in Florida had been paid. This email is to say THANK YOU for the excellent service. We received professional service from the beginning. Every time we had a call, the first thing that was asked is how we were doing, and it feels good to see that human service still exists. We won't go away for long periods anymore due to (our age and) what happened this year, but rest assured, we will recommend you to our friends and family.

I received your letter dated July 4, advising me that TourMed had paid my hospital bill after my incident in Arizona in April. I can’t tell you how relieved I am to know that was covered! I thank you so much!

To give you a little background of the incident… there were 12 of us exploring the desert beauty in the area South of Florence, when we were all attacked by a huge swarm of Africanized honey bees (more commonly known as ‘killer bees’). We were all stung, but I seemed to be the worst. In my hospital stay, they told me they had removed over 500 stingers from my body, primarily my back, chest, face and scalp. The bees were in my nose, ears, and mouth. I was intubated and airlifted to the trauma centre where I was treated for 5 days. I am still not 100%, but a little better everyday. We have all been wary of scorpions and rattlesnakes in the desert, but not these bees!

I am very lucky to have survived this incident, and I truly believe the quick response from the medical team that treated me played a huge part in my survival. I am so very grateful to all involved in my ongoing recovery from this horrific ordeal.

Read our blog article about this medical emergency.

Thank you for your prompt handling of my request. It's very nice to see something go through so smoothly!

I had a medical problem arise while on holidays in Texas and required an emergency hospital visit. The LS-Travel Company far exceeded my expectations. Everyone that my husband or I spoke with at LS-Travel was amazing and I deeply appreciate how efficient my claim was handled. I would highly recommend this company for your travel insurance needs and am truly grateful to all the helpful kindness that your team provided. Thank you from the bottom of my heart.

My wife was hospitalized and needed to be repatriated to Canada in an air-ambulance. You were there at all times during this ordeal and showed great sollicitude.

You show empathy and do exceptional work. We greatly appreciate your professionalism.

I want to thank you for dealing with my medical claim so quickly and efficiently. The online claims process was simple and easy to understand. It took very little time. Impressive! I will recommend your company to my friends.

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Visit the client portal to view your policy documents, print your tax receipts, change your dates, inform us of your new address, and much more!

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Things to do in maine: complete guide for a successful trip, 6 must-see places for rvers in canada, high blood pressure and travel insurance: everything you need to know to travel well-covered with hypertension, head office and customer service.

247, boulevard Thibeau Trois-Rivières (Québec) G8T 6X9

Telephone, toll free:

1 877-344-8398

819-377-3587

Emergency medical assistance

A bilingual team available 24 / 7 anywhere around the world!

E.U. and Canada:

1 844 820-6588

1 888 820-6588

1 819 377-2241

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Assistance médicale d'urgence en voyage

Une équipe bilingue disponible 24 / 7 de partout dans le monde!

E.U. et Canada :

001 888 820-6588

Frais virés :

001 819 377-2241

A bilingual team available 24 / 7, anywhere around the world!

Holiday September 2 nd

Please note that our offices will be closed on Monday, September 2 nd for Labour Day .

For a last-minute purchase, check out our online quoting tool .

To extend your policy, connect to the Client Portal .

If you are on a trip and require Emergency Medical Assistance , click the link below. This service remains available 24/7.

Offices closed at noon on Wednesday, June 5 th .

Our offices will exceptionally close at noon on Wednesday, June 5, 2024 for an internal team activity.

Special Long Weekend Schedule :

Please note that our offices will be closed from Friday March 29 th to Sunday 31 st .

We will be open on Monday April 1 st .

Statutory Holiday May 20th:

Please note that our offices will be closed on Monday, May 20 th for Victoria Day .

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Travel insurance provides financial protection in case of incurred medical expenses that may arise during a trip outside of your province or country of residence. Without proper travel insurance, you may find yourself responsible for the payment of the medical bills incurred in an emergency, while consulting a doctor, or if you are hospitalized. Even if you are covered by your provincial health insurance, the cost of medical expenses incurred outside of your province remains very limited.

Our travel insurance plans provide coverage for COVID-19 and all the variants at no extra cost. We have several plans to choose from based on your age, preexisting medical conditions and trip length at the most competitive price.

In the event of a medical emergency during your stay, you must contact emergency assistance listed on your travel insurance card before seeking care. A traveler who does not contact emergency assistance prior to receiving treatment may have his coverage reduced or limited. In the event that you cannot contact emergency assistance prior to receiving treatments, you can ask someone to call for you, or call as soon as it is possible.

Yes, our exclusive product plans provide coverage for pre-existing medical conditions , as long as you meet the eligibility and stability requirements. Our easy to use state of the art medical declaration tool was developed to simplify the underwriting process and guarantee coverage for your preexisting medical conditions.

Your provincial health insurance plan covers a very limited portion of your medical costs while you are abroad. Each public insurance plan reimburses hospital services following a sudden illness or an accident according to pre-determined amounts. These amounts do not take into consideration the reality of the expenses of health care in the country visited.

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• 12 August 2024 | Press release Record rainfall: Making your claim process easier
• 30 July 2024 | Press release Funding collective mobility is a societal issue
• 17 July 2024 | Press release Two new appointments to CAA-Quebec’s senior management team

Découvrez le magazine des membres CAA‑Québec

Le Canada a enfin sa charte. Découvrez les grandes lignes.

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Frequently asked questions - Travel insurance

The coverage offered by the RAMQ (Régie de l’assurance maladie du Québec) when you travel outside Quebec is far from complete. In addition, the RAMQ doesn’t provide 24/7 assistance services if something goes wrong.

Travelling outside Canada: The RAMQ will reimburse only a very small part of medical expenses incurred abroad: $50 for a doctor’s visit and $100 per day of hospitalization. Many other things aren’t covered at all, like prescription drugs, ambulance transport or repatriation, so you can quickly run up a very large bill.

Travelling in Canada: The RAMQ will reimburse professional services only up to the going rate in Quebec, even if the insured person paid more. If the service costs more than in Quebec, you will have to pay the difference. What’s more, in the rest of Canada, like abroad, prescription drugs, emergency dental care, ambulance transport and repatriation costs aren’t covered.

The insurer usually pays the expenses directly. However, certain hospitals may require immediate payment.

We recommend that you contact travel medical assistance services as soon as you can. They will be able to recommend a physician, clinic or hospital, confirm your coverage and avoid you having to make a deposit.

Although the addition of a deductible is optional, it is a good way to reduce your insurance premium. You can choose from among different deductible amounts. The chosen amount is the maximum you will have to pay for your medical expenses in the event you experience a problem abroad. The insurer will pay the remaining amount, if any.

Whether or not you opt for coverage with a deductible, you should always contact the insurer’s assistance service to have treatments approved.

A pre-existing condition is a health condition already existing at the time the contract is purchased or at the time of departure. Examples might include a case of the flu that you saw a doctor about, a change to the dosage of one of your existing medications, high blood pressure, surgery or a condition for which you are awaiting medical results.

Your policy may cover a pre-existing condition, but it depends on the nature of the condition, its severity and its stability. We will consider your pre-existing condition as low- or high-risk based on your age. As a result, your premium may be slightly higher than for a person in perfect health.  

The information that you give your advisor about your health is important. It must be clear and accurate, so that the advisor can serve you properly.

Yes, but be aware that insurance companies and carriers may not have the same rules.

While Canadian authorities allow pregnant women to fly until 36 weeks of gestation, the conditions are different for most travel insurance.

CAA-Quebec Travel Insurance covers pregnancy and related complications if the pregnancy has not been declared high-risk and if the pregnant woman is travelling before the final nine weeks preceding her due date.

However, children born while traveling are not covered, regardless of when they were born.

Airlines may ask pregnant women for a written confirmation of how many weeks pregnant they are, so it’s important that they see their doctor and make sure they get all the information they need before travelling.

Yes! The Annual Plan package option from CAA-Quebec Travel Insurance is perfect for people who plan to make several trips a year. You choose the maximum duration of your coverage based on the total length of your trips. Several trip-length options are available to you.

Choosing this option saves you time, since you'll be covered for all your trips during the year under a single policy. Plus, you won’t need to notify your insurer before each trip, unless an extension is required or there is a change in your health.

It also saves you money: the insurance generally pays for itself after just two trips.

Travel insurance premiums are calculated by taking into account several criteria, including the length of the trip, the person’s age, the coverage chosen, and the state of their health (above a certain age).

We've developed a unique and effective calculation tool, so our counsellors can always offer the best option for you, along with a personalized premium at the lowest possible rate.

And that's not all! A number of discounts are available to you, and you can combine them. CAA-Quebec members are automatically awarded a discount of 10% on their premium. Members who purchase an explore travel product, and groups of 10 or more insured persons earn an additional discount of 10% . Our family premium is another way for you to save.

There are various reasons why you might need to extend your trip: you might be having too much fun to come home just yet, or an unforeseen event beyond your control might prevent you from coming back when you planned. In the first case, all you need to do is notify us before the return date specified in your contract. If no claims have been filed, we will extend your contract and charge the extra amount to your credit card, so you can enjoy your vacation for longer!

In the case of an unforeseen event, such as a delay of up to 24 hours due to the carrier, or hospitalization that goes beyond the planned return date, your coverage can automatically be extended free of charge. Refer to your policy for more details.

Contact the insurer's assistance services. See full details on the Claims and assistance page.

Whether or not they are at fault, Quebecers injured in a road accident while they are outside Quebec are entitled to the same compensation under the public plan.

For more information > see this link from SAAQ

A pre-existing medical condition is a health condition that already exists at the time insurance is purchased or at the time of departure. It’s also known as a “pre-existing condition.”

It may include, for example, a case of the flu that you’ve seen a doctor about, a change in the dosage of one of your existing medications, high blood pressure, surgery, a condition for which you’re awaiting medical results, etc.

You must inform your insurer of your health status, e.g., on the medical questionnaire if one is required. A false statement or incorrect information may result in your policy being cancelled and rendered null and void.

Travel insurance distributed by CAA-Quebec allows you to add an option to your policy to cover a pre-existing medical condition. No additional questions about your health will be asked. Your condition simply needs to be stable for seven days prior to departure in order to be covered.

Yes, the travel insurance distributed by CAA-Quebec covers COVID-19.

However, exclusions and limitations apply when a Canadian government travel advisory for COVID-19 is in effect.

If you purchase only emergency medical or trip interruption coverage, exclusions and limitations apply if the advisory is in effect prior to your departure. For example, the maximum benefit payable for medical care related to COVID-19 could be reduced if your COVID-19 vaccination is not up to date.

If you purchase insurance that includes trip cancellation coverage, the exclusions and limitations apply if the advisory is in effect before you purchase your insurance. For example, if you book a trip despite a government advisory, you will not get a refund if you have to cancel your trip due to COVID-19.

Check the latest advisories on the Canadian government website before you travel.

The insurer reserves up to 12 weeks to analyze and process travel claims for insurance distributed by CAA-Quebec. You can check the status of your claim online at any time.

Claims may be limited or denied if you did not contact the insurer before obtaining a consultation or treatment. Claims related to pre-existing conditions may be ineligible, whether or not a condition was disclosed at the time the insurance was purchased.

You may terminate your policy within 10 days of purchase if you haven’t started your trip and no claim is pending. Your premium will then be refunded. However, insurance that includes trip cancellation coverage purchased within 11 days of the trip cannot be terminated or refunded.

Other refund options are available. Please see the Refunds section of your policy for full details.

If you return from your trip early, you can get a refund for any unused days. You must provide proof that you have returned to your home province. It must indicate the place and date of your return.

Taking medication doesn’t necessarily mean your insurance coverage will be limited. As a general rule, if the medical conditions for which you’re taking the medications are stable during the three or six months prior to your departure, you shouldn’t have any problems. You should be able to buy travel insurance and even get coverage for the conditions. The stability period required in order for a condition to be covered varies between products.

The most important thing is that you know what medications you’re taking and why. You must be able to provide your insurer with accurate information when purchasing travel insurance. False statements or incorrect information can render your insurance policy null and void.

If you’re unsure about the functions of your medications, talk to your pharmacist. Ask for a specific list of your medications and the medical conditions they’re related to.

No. Significant limitations and even exclusions apply if the insurer finds there has been abuse of alcohol, drugs, or medication. For example, if you have an accident while under the influence of alcohol or drugs, you may not get any compensation.

You can purchase CAA-Quebec Travel Insurance at any time prior to your trip. However, the sooner you insure, the more risks and unforeseen events you cover that could arise between now and your departure.

In fact, you may even pay a lower premium if you take out your insurance in advance, since the premium increases with age. Therefore, it is a smart choice to purchase your insurance before your birthday.

Furthermore, some coverages cannot be purchased at any given time, such as “all-risk” cancellation insurance. It must be taken out within 48 hours of purchase or first payment. This insurance covers cancellation of your trip for any reason whatsoever. Reasons for cancellation are not limited to the risks listed in the policy.

Do you have questions about travel insurance?

1-855-440-4402

Your request has been sent and will be handled by a CAA-Quebec team member within a maximum of 48 business hours.

If this is an emergency, you can contact us at any time by calling 1-800-222-4357.

In order to provide you with products and services that fulfill your expectations, we need to collect certain personal information. 

In full transparency, the following explains how we use your personal information. We guarantee that we will handle such information with care, in compliance with our privacy policy and with the law

How your information is used

By engaging in business with us, you consent to the collection and use of your personal information, as well as that of the individuals you represent, by CAA-Quebec, its affiliates and partners.

Your personal information is collected and used for:

• providing you with products and services;
• confirming your identity;
• soliciting you for surveys;
• improving the customer experience along with our products;
• managing risk, safety and regulatory compliance; and
• allowing you to enjoy all the benefits and privileges that are reserved for members when you first become one.

Your information may also be used to:

• provide you with personalized benefits, offers, promotions, and advice, and to ensure that you enjoy them;
• present you with targeted advertising on third-party sites; and
• send you invitations to take part in events or contests.

Your personal information may be communicated to a person associated with your account or to a CAA-Quebec supplier or partner, such as when CAA-Quebec acts as a sales intermediary (for insurance or travel), and to technology solution providers, including providers outside of Quebec.

Your rights regarding your information 

You can access and correct your personal information. You also have the option of withdrawing your consent for specific uses through your Member Account, either by following the steps outlined in our Privacy Policy or by sending a request at any time by calling 1-800-686-9243.

For further details, please refer to our Privacy Policy at caaquebec.com/privacy .

Please note that quotes, changes to existing policies, and purchases cannot be made via this form or by email.

Ask for a quote or to purchase travel insurance .

To make changes to an existing policy, call 1-855-440-4402 .

You must complete all fields except those marked “optional.”

CAA‑Québec Assurances refers to Cabinet en assurance de personnes CAA‑Québec, firm in insurance of persons. The travel insurance products offered to CAA‑Quebec members and to the clients of its affiliates in Quebec under the name Assurance voyage CAA‑Québec are underwritten by Echelon Insurance doing business under the name Orion Travel Insurance and distributed by Cabinet en assurance de personnes CAA‑Québec. They are also offered by Voyages CAA‑Québec as part of its travel agency activities.

Find the Best Travel Insurance & Avoid Costly Surprises

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Explore Travel Insurance Types and Quotes

Standard single trip policies.

Our top plan type that covers cancellations, medical emergencies, delays, and luggage, protecting you from purchase to return.

Annual / Multi Trip Policies

A cost-effective choice for frequent travelers, these plans include medical, delay, and luggage benefits, with optional add-ons for trip cancellation or interruption.

Cruise Insurance Policies

Offers comprehensive protection for land and sea trips, with high medical coverage and weather safeguards.

Adventure & Sports Policies

Adrenaline-seeker? No problem. These plans cover lost or delayed sports equipment, cancellations, and medical emergencies.

Quote, Compare, and Go

Finding the best coverage for your trip is easy. Get personalized quotes from top providers in minutes.

Tell us some basic details about your trip to start your quote and we’ll handle the rest.

See how plans from the best travel insurance companies compete side-by-side.

Choose the perfect policy at the lowest price and travel with peace of mind.

Join More Than 3 Million Protected Travelers

Let’s face it, traveling these days can be expensive. That’s why we make it quick and easy to compare affordable travel insurance policies from the nation’s most trusted providers. Since your trip deserves the best coverage, we make sure that every plan on our site is carefully vetted and backed by real customer reviews.

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Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

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"It's always good to see all choices when decisions about insurance are concerned. I always go to Squaremouth when I need travel insurance."

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Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

Most Popular Types of Travel Insurance

When it comes to travel insurance, there’s no such thing as a “one-size-fits-all" policy. Discover the different types of travel insurance coverage you should consider for your upcoming trip.

10 Ways to Get Great Coverage For Less

When it comes to travel insurance, more expensive does not necessarily mean better. We uncover 10 proven tactics you can use during your search to lower premiums without sacrificing protection.

Our Travel Insurance Experts are Available

Have questions? We have answers.

What Does Travel Insurance Cover?

Travel insurance is designed to cover out-of-pocket expenses relating to an unforeseen disruption to your trip. The majority of policies sold through Squaremouth are comprehensive and offer coverage for trip cancellations, medical emergencies, significant delays, and mishandled or lost luggage.

How Much Does Travel Insurance Cost?

Comprehensive travel insurance usually costs between 5% to 10% of your insured trip expenses. Factors like your trip cost, age, trip length, and coverage needs can impact pricing . You can lower your premium by comparing plans and choosing policies that don’t include cancellation coverage.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: The situations and expenses that are covered by a travel insurance policy.
• Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
• Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
• Premium: The cost of the policy for your specific trip.
• Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations for reasons like sudden illness, injury, death of a family member, natural disasters, or unexpected work obligations. Policies with Trip Cancellation benefits usually offer 100% reimbursement for prepaid, non-refundable trip costs.

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

Does Travel Insurance Cover Canceled Flights?

Yes, the majority of travel insurance plans provide reimbursement if your flight is canceled and your travel plans are significantly delayed. You may be eligible for coverage through your policy’s Travel Delay or Trip Cancellation benefit depending on how soon you’re able to be rebooked.

Is Travel Insurance Necessary for International Travel?

Travel insurance acts as a financial safety net as you explore the world. Since most U.S. healthcare plans don’t extend coverage overseas, travel insurance can act as an international health insurance plan that protects you from unexpected medical expenses you may face during a trip. While rare, certain destinations or tour operators may require proof of travel insurance that lasts for the duration of your trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

It depends. Many travel insurance plans exclude coverage for pre-existing conditions, but some offer wavers, if you purchase within 14-21 days of your initial trip deposit. Check your policy details carefully to understand the specifics.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers you for one specific trip and is the most popular choice. Annual Travel Insurance on the other hand, covers multiple trips within a year. If you travel frequently, an annual plan can be more cost-effective and convenient than buying individual policies for each trip.

How Do I File A Travel Insurance Claim?

Each provider will have their own unique claims process. However, most will include the following steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Follow up: Stay in touch with the insurer for updates on your claim status.

View our Claims Center for more information on filing a travel insurance claim.

June 1, 2020

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Last-minute cancellations. Travel delays. Rental car accidents. When the unexpected happens, you can rely on Allianz Travel Insurance to help make things right.

Whether you're planning a road trip, camping getaway or vacation rental, a OneTrip plan can help you journey there  — and back  — with confidence.

Get affordable protection for all your trips — family vacations and weekend getaways alike — for a full 365 days.

Enjoy peace of mind on your next road trip. Get robust rental car coverage for a fraction of what you'll typically pay at the rental counter.

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Why Do I Need Travel Insurance?

Because your trip is too important to leave to chance. For a small fraction of your trip costs, you can count on travel insurance to save the day when things go awry.

• If you have to cancel your trip for a covered reason, travel insurance can reimburse you for your prepaid, non-refundable trip costs. Without insurance, you could lose the money you paid for your vacation rental, car rental, hotel, flights and more.
• If you experience a covered medical emergency , travel insurance can help ensure you get high-quality care and reimburse you for covered medical costs. Without insurance, you may have to pay out of pocket.
• If your rental car gets damaged, lost or stolen , travel insurance can pay for the loss. Without insurance, you could get hit with a huge bill.
• If you face an unexpected crisis, travel insurance connects you to 24-Hour Hotline Assistance for expert help and advice. Without insurance, you’re on your own.
• If your travel plans are affected by COVID-19,  many of our travel protection plans now include the Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. Benefits vary by plan and by state of residence, and are not available in all jurisdictions. Learn more in our COVID-19 FAQ .

WHICH PLAN IS RIGHT FOR ME?

OneTrip Travel Insurance Plans

If you're the type who plans one big getaway a year, a OneTrip plan can offer benefits to help you breathe easier -- like trip cancellation, luggage protection, emergency medical benefits, and more. And all plans come with 24-Hour Assistance in case you need expert travel help along the way.

Annual Travel Insurance Plans

Frequent traveler? An AllTrips annual travel insurance plan may be a great fit. You can get the protection you need for all the trips you take in a full year -- domestic or international, leisure or business -- all under one convenient plan.

Rental Car Insurance Plans

If you're hitting the road in a rental car, OneTrip Rental Car Protector can provide primary protection for covered collision, loss, and damage, along with 24- hour emergency assistance. It's an affordable alternative to using your personal insurance, or overpriced options at the rental counter.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

What our customers say

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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7 Best Cheap Travel Insurance Companies in July 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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 .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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.

• Assurance voyage multirisque
• Assurance voyage avec garanties médicales
• Garanties non médicales et en cas d’annulation de voyage
• Assurance voyage tous risques pour voyages multiples
• Assurance voyage annuelle avec garanties médicales pour voyages multiples
• Visiteurs au Canada et Étudiants non résidents
• Obtenir un traitement médical
• Comment soumettre une réclamation
• Accéder au portail de réclamations
• Règlement des différends
• Documentation requise
• Comprendre l'assurance voyage
• Comment choisir un forfait d’assurance?
• Avant de partir
• Pendant votre voyage
• Conseils de voyage

Couverture météorologique

Lorsque vous préparez un voyage, qu’il s’agisse de vacances bien méritées ou d’un voyage d’affaires, la dernière chose dont vous voulez vous préoccuper, ce sont les perturbations inattendues causées par les conditions météorologiques.

Compte tenu de l’impact mondial des changements climatiques, les conditions météorologiques imprévisibles deviennent un problème de plus en plus important pour les voyageurs internationaux. Heureusement, l’assurance voyage peut offrir une protection cruciale avant, pendant et après ces scénarios naturels imprévus.

Allianz Global Assistance propose plusieurs polices d’assurance voyage qui prévoient spécifiquement des prestations en cas de perturbations liées aux conditions météorologiques. Comprendre le fonctionnement de ces polices et les garanties qu’elles comprennent peut vous aider à faire en sorte que vos projets de voyage se déroulent sans tracas, même lorsque le mauvais temps les menace.

Types de perturbations météorologiques couvertes

• Annulation d’un voyage en raison des conditions météorologiques . L’une des préoccupations les plus courantes des voyageurs est de devoir annuler un voyage en raison de conditions météorologiques défavorables. Allianz Global Assistance peut fournir une couverture pour l’annulation d’un voyage lorsque des conditions météorologiques défavorables rendent le voyage impossible. Il peut s’agir de situations où des vols sont annulés ou des avis de voyage sont émis en raison d’ouragans, de blizzards ou d’autres phénomènes météorologiques extrêmes. Si vous devez annuler votre voyage et que vous avez déjà engagé des frais non remboursables, votre police d’assurance Allianz peut vous aider à les récupérer, souvent jusqu’à concurrence du coût du voyage assuré.
• Retard de voyage dû aux conditions météorologiques . Les retards dus aux conditions météorologiques peuvent même perturber les voyages les mieux préparés. Allianz Global Assistance inclut des prestations de voyage pour les retards causés par des conditions météorologiques difficiles, telles que les tempêtes de neige ou les inondations. Si vous subissez un retard important, qui peut se traduire par de l’attente à l’aéroport ou dans d’autres centres de transport, votre police d’assurance peut couvrir des frais supplémentaires tels que les repas et l’hébergement. Ainsi, les perturbations météorologiques inattendues ne vous feront pas débourser pour les coûts essentiels pendant ce retard.
• Interruption de voyage en raison de graves intempéries ou de catastrophes naturelles . Les catastrophes naturelles, notamment les ouragans, les tremblements de terre et les feux de forêt, peuvent interrompre vos projets de voyage une fois parti. Allianz Global Assistance inclut des prestations pour interruption de voyage causée par de telles catastrophes. Si vous devez écourter votre voyage et rentrer en raison d’une catastrophe naturelle affectant votre destination, votre police d’assurance peut vous aider à couvrir les frais supplémentaires liés à un retour anticipé, ainsi qu’à rembourser la partie non utilisée de votre voyage.
• Couverture en cas de mauvais temps affectant votre destination . Parfois, le mauvais temps à votre destination peut affecter vos projets de voyage de différentes façons. Les polices d’Allianz Global Assistance prévoient souvent des indemnités en cas de fermeture temporaire de votre hébergement ou d’autres importants services de voyage en raison de mauvaises conditions météorologiques. Si votre destination de voyage est touchée par un événement météorologique qui a un impact sur vos projets, vous pouvez déposer une demande de règlement afin de récupérer une partie des coûts liés à la perturbation.

Types de polices d’assurance voyage avec garanties non médicales proposés par Allianz Global Assistance

Allianz Global Assistance propose plusieurs types d’assurance voyage qui peuvent couvrir les perturbations liées aux conditions météorologiques. Voici quelques options intéressantes à examiner :

• Garanties non médicales : Prestations pour l’annulation de voyage, l’interruption de voyage, le retard de voyage, la perte ou l’endommagement des bagages et l’assurance accident de voyage.
• Forfait avec garanties non médicales (après le départ) : Identique à la formule standard sans soins médicaux, mais prenant effet après le départ et comprenant une assurance interruption de voyage, une assurance retard de voyage, une assurance perte de bagages et une assurance accident de voyage.
• Assurance Annulation et interruption de voyage : Remboursement des frais de voyage non remboursables en cas d’annulation ou d’interruption du voyage pour des raisons couvertes.
• Assurance Interruption de voyage : Couverture des frais si votre voyage est interrompu après avoir commencé pour une raison couverte.

Pour obtenir plus de renseignements ou pour consulter les détails de ces polices , rendez-vous en ligne.

Éléments à prendre en compte lors du choix d’une couverture

Lorsque vous choisissez une assurance voyage auprès d’Allianz Global Assistance, tenez compte des éléments suivants :

• Coût du voyage assuré : Assurez-vous que le plan que vous choisissez couvre le coût total de votre voyage, y compris le billet d’avion, l’hébergement et les autres dépenses. Cela vous permettra de maximiser votre remboursement si vous devez annuler ou interrompre votre voyage pour une raison couverte.
• Limites et exclusions de la police d’assurance : Examinez les détails de la police pour comprendre les limites de la police d’assurance et les éventuelles exclusions liées aux événements météorologiques. Savoir ce qui est couvert et ce qui ne l’est pas peut vous éviter des surprises en cas de demande de règlement.
• Conditions préexistantes : Certaines polices peuvent comporter des exclusions liées à des conditions préexistantes ou à des événements météorologiques spécifiques. Vérifiez les détails pour vous assurer que votre couverture répond à vos besoins.

L’assurance voyage d’Allianz Global Assistance peut fournir une protection complète contre les perturbations liées aux conditions météorologiques, garantissant vos projets de voyage, même en cas de conditions météorologiques imprévisibles.

En choisissant la police qui correspond à vos besoins, vous pouvez avoir l’esprit tranquille en sachant que vous êtes couvert en cas d’annulation, de retard, d’interruption de voyage et d’évacuation d’urgence. Comprendre les spécificités de votre police d’assurance et ce qu’elle couvre ou non vous aidera à prendre des décisions éclairées et à voyager en toute confiance, quelles que soient les conditions météorologiques.

• 5 raisons pour lesquelles votre réclamation pourrait être rejetée
• 7 façons dont l’assurance annulation et interruption de voyage vous fait économiser de l'argent
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At ConsumersAdvocate.org, we take transparency seriously.

To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in Travel Insurance:  Travel Guard Insurance ,  Allianz Global Assistance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth ,  Tin Leg ,  Faye , and  Faye2 .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity.

Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process,  click here.

Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders. Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services.

Best Travel Insurance Based on In-Depth Reviews

• 200+ Hours of research
• 60+ Sources used
• 15 Companies vetted
• 3 Research Criteria
• 6 Top Picks

• Look for customizable coverage
• How we analyzed the best Travel Insurance Companies
• Our Top Picks: Travel Insurance Reviews
• Travel Insurance and the Novel Coronavirus

In light of the current Covid-19 pandemic—and the accompanying social distancing and travel restriction measures implemented across the world—record numbers of flights, vacations, cruises, and other travel plans have been thrown into disarray. While the response from individual airlines  and hotel chains has been to relax their cancellation policies, travel insurance companies are a different story . The travel insurance policy types that would apply to most of those canceled plans are trip cancellation or trip interruption, both of which are usually named-peril plans. This means that they'll honor the coverage on the insurance policy, but ONLY IF the reason for cancellation is listed in the plan. And neither the fear of contracting coronavirus or the fact that there is a very real worldwide pandemic, are listed reasons. 

There is one notable, albeit more expensive option, if you purchase (or purchased) a Cancel For Any Reason (CFAR) add-on policy, then you can do exactly that: change your travel plans entirely and practice social distancing at home. To qualify, you must have purchased the CFAR within the insurer's specified timeframe after making your first payment, and you must insure the totality of your trip costs. You should also know that even a CFAR only goes so far—you won't be fully reimbursed, even though you're insuring 100 percent of your costs—most travel insurance policies give you the option of a 50 or 75 percent reimbursement.

Given the situation, before booking any travel and purchasing travel insurance, we recommend that you follow the current Center for Disease Control ( CDC) recommendations . Ask yourself:

1. Are coronavirus cases surging or spreading at your destination?

2. Do you live with someone who at high risk of infection from the coronavirus?

3. Likewise, are you yourself at high risk of becoming gravely ill from coronavirus?

4. And finally, does your destination have any travel restrictions or requirements?

This fourth question is key since it can significantly derail your plans—many state, local, and territorial governments have implemented restrictions of varying degrees, from mandatory testing or quarantines to outright travel bans. The European Union, for instance, just extended its travel ban for U.S. citizens, while Ireland and Hawaii allow travel but require a two-week, in-country quarantine. In short, we recommend you take the time to verify if this is the case in your chosen destination, either on state or local public health websites if traveling within the continental U.S., or through the U.S. Department of State's Country Information page . 

• TravelInsurance.com review

Best for Travel Insurance Options

For consumers who want comparison shopping convenience,  TravelInsurance.com is a great choice since it allows you to compare many policies at the same time. 

Screenshot ravelinsurance.com, December 2019.

Customers are asked to fill in a simple web form that asks for the dates, destination, and total cost of an upcoming trip. The website instantly generates a list of available policies (26 of them for a hypothetical trip we described), their coverages, their costs, and their issuers’ financial strength ratings. The information is laid out on a single page in an easy-to-read format. Prospective travelers can do side-by-side comparisons of a smaller number of policies. 

TravelInsurance.com is not an insurer itself, but it partners with many of the insurers we recommend. Before purchasing any one travel insurance policy, it's a good idea to research the company issuing it to gather even more information about it. 

• Generali Global Assistance review

BEST FOR TRIP CANCELLATIONS AND INTERNATIONAL SUPPORT

Generali provides great value for your buck. Generali’s 24/7, year round “Telemedicine" service connects you with a network of American doctors for non-emergency medical consultations, advice, and prescriptions. The Premium plan offers a million dollars in medevac coverage, and nice extras, like $500 for sports equipment delays and $1,000 for missed connections. This policy is perfectly suited for the well-to-do traveler with a lot of money invested in a trip.

Generali scored high with us because, as travel insurers go, they offer some of the most comprehensive coverages, highest payout maximums, and many additional policy features other providers don't. All standard trip interruption and cancelation reasons are provided for, and then some. Additionally, the company has generous provisions for baggage and trip delays. Generali really shines when it comes to its traveler assistance services. Along with all the usual customer assistance features, the company also makes provision for such things as specialty food delivery, an emergency cash advance of $500, and travel companion meet and greet services. Pound for pound, one of the most extensive offerings out there.

The company will cover up to a whopping $250,000 max for medical care, and up to $1 million for emergency medical transportation. There are three plan levels that, aside from a few items, only differ in maximum payouts for certain coverages.

Generali also stands out in the trip interruption/cancellation category. They will reimburse up to 175% the cost of the trip due to trip interruption, and also provide a generous $1,000 travel delay reimbursement. If you purchase the premium plan, the coverage kicks in after a mere 6-hour delay.

Generali boasts many more customer assistance services than standard among travel insurance providers. These include identity theft resolution services, personalized retail shopping assistance services, procurement of hard-to-find items, limousine pick up of friends and business partners, pre-trip assistance, specialty food delivery, and booking golf tee times just to name a few. Generali's 24-hour emergency hotline can be accessed from anywhere in the world and includes medical, travel, and concierge assistance services.

The company's services are accessible anywhere in the world and they maintain a BBB accreditation of A+. Generali Global Assistance operates as a subsidiary of Europe Assistance Holding S.A. and their travel insurance business evolved from CSA Travel Protection.

• World Nomads review

Best for the Young and the Restless

World Nomads offers a choice of two plans. The primary difference between the two, aprt from cost, of course, are the benefit limits associated with each. Both plans offer the same types of coverage, including trip cancellation, trip interruption, emergency medical, evacuation, repatriation, and personal property losses. We used a hypothetical $3,000 trip to France tWorld Nomads' policies to competitive plans.

World Nomad's Standard Plan has a benefit limit of $2500. It wouldn't cover the entire cost of our hypothetical trip to France, but it would certainly lessen the economic blow of cancellation or interruption. World Nomad's Explorer Plan has a benefit limit $10,000 for cancellation and interruption. It would fully reimburse the cost of our hypothetical trip. I's important to understand that you can't collect any more than your trip cost with trip cancellation or interruption coverage, no matter how high the benefit limit of your policy. Our hypothetical traveler would want to compare the premium difference between the two plans. If it were more than $500, then World Nomad's Explorer plan would probably not make good financial sense. 

Both of World Nomad's plans reimburse travelers for up to $100,000 in travel medical expenses. The Standard Plan covers up to $300,000 in medical evacuation costs while the Explorer Plan ups that figure to $500,000. The Standar plan offers up to $1000 reimbursement for baggage loss or theft, while the Explorer plan protects you for up $3000 for those losses. The more expensive of World Nomad's plans might make sense if you carry a lot of expensive gear when you travel, but again, travelers must weigh the cost of increased coverage against the benefits.  

Unlike many travel insurance providers, World Nomads covers a large number of sports in its Standard Plan (kite surfing, ice hockey, and that most dangerous of sports… air guitar ) and more extreme sports under the Explorer Plan (bull riding, cave diving up to 165 feet/ 50 meters, and mixed martial arts), making it a great choice for the adrenaline junkies. The full list of covered activities is well worth a read if only for entertainment purposes. Now that we know what ski joring is, we're raring to try it ourselves!

Screen shot of worldnomads.com, July 18, 2019.

Great Guides and Community

What truly differentiates World Nomads from a crowded field is the sense of community it cultivates with its customers. The website contains free travel guides to numerous worldwide destinations, as well as free downloadable educational material on travel writing, filmmaking and other topics.

There are also sections dedicated to fascinating true travel stories to inspire your next trip, and entertaining and bizarre testimonials from World Nomads insurance customers. We’ll warn you, some of these tales are not for the faint of heart.

In keeping with the community theme, World Nomads presents an option at checkout to donate a few dollars to one of three charities, including a program dedicated to sight-restoring surgery in Kenya. According to the website, 85% of World Nomads customers elect to donate.

World Nomad's Disclaimer

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. 

• Medjet review

Best for the Vip Traveller

Strictly speaking, Medjet doesn’t provide travel insurance in the classic sense. For instance, there are no coverage options for trip cancellation, loss or delay of baggage, or many other standard travel medical insurance features. For those, you’ll have to purchase a standard travel insurance policy from another provider.

Medjet offers industry-leading global medical evacuation services to both private and corporate clients. With a network of hundreds of air ambulances and medical escorts located around the world, if you are hospitalized, Medjet provides transport to the home-country hospital of your choice aboard aircraft outfitted with state-of-the-art emergency medical equipment. Travel insurance typically requires you be treated and recover in the “nearest acceptable facility”, Medjet allows you get to a hospital at home.

Medjet operates on a membership model, with a number of programs calibrated to fit the needs of different types of travellers. Short term memberships for trips as short as 8 days are available, as are programs for students and professors and longer-term expatriates.

While there is no medical transport cost limit as long as your membership is current, Medjet does cap evacuations to two per member per year, or one for a member family. Though if you’re in need of more than two evacuations per year, you may want to reconsider your life choices.

Screen shot of medjetassist.com, July 18, 2019

Customers up to 75 years old can be covered under any of Medjet’s policies. Beyond that is a senior-specific Diamond membership which covers customers between the ages of 75 and 84.

In addition to medical evacuation, MedjetHorizon--the premium-tier option--provides professional crisis response assistance for victims of terrorism, natural disasters, kidnapping, hijacking, political threats, blackmail, and other events. If you are at risk for such hair-raising predicaments, standard travel insurance simply won’t suffice. These options are intended for VIP travellers such as high level corporate executives or high profile individuals--think C-suite execs and movie stars— but it’s also ideal for anyone who travels alone.

• AXA Travel Insurance review

Best for the Travelers on a Larger Budget

While a quick glance at AXA’s rather generic website might suggest that there’s nothing special about the company, the true value of its policies becomes apparent when you look at what’s covered. The Platinum plan for our $3,000 trip costs a quoted $125 and includes a remarkable suite of coverages. With medical expenses capped at $250,000 and medevac and repatriation capped at a cool million, the plan truly lives up to its precious metal namesake.

Screen shot of axatravelinsurance.com, July 18, 2019.

Trip cancellation and interruption pay out at an industry-standard 100% and 150% respectively, and baggage protection is well within the normal range as well. But the Platinum plan really shines when it comes to the little touches, such as a $25 a day (max of 5 days) pet boarding benefit for trip delays, $1,000 sports equipment rental, and $500 to lost golf rounds or skiing days. That’s a lot of value for 4.17% the price of our overall trip.

Identity theft protection, concierge services, a mobile app, and a blog featuring articles about various travel and travel-adjacent topics round out an above average policy. If you want high level, comprehensive coverage that won’t break the bank, AXA Platinum is a great option.

• Faye review

Faye is a travel insurance startup founded in 2019. The company offers domestic and international whole-trip travel insurance and provides comprehensive coverage for travelers. Some of the things covered by Faye’s travel insurance packages include baggage loss, trip cancellation and medical coverage.

The company helps the insured with most of a traveler’s usual woes when visiting another country, including unexpected cancellations and delays, natural disasters and even political turmoil. In light of the coronavirus pandemic, Faye also covers non-refundable medical and trip delay expenses if you become ill with COVID-19. Coverage includes emergency medical expenses, accomodation for quarantine and extension costs. 

You can submit a claim through the company’s app or through email in an entirely digital process. Faye’s plans are underwritten by the United States Fire Insurance Company, which is rated A by the A.M. Best of 2021. The company’s non-insurance assistance is provided by Global Excel Management Inc., which deals with everything from 24/7 travel assistance to real-time flight alerts.

Pricing varies by the level of coverage, with insurance from its basic plan traveling to Europe for one customer for one week coming out to $135. Faye has a 4.6 rating on Trustpilot, with the majority of reviews rating the company “excellent”. The company is not yet rated on the Better Business Bureau’s website. 

Faye offers assistance 24/7 365 days a year, connecting you with real humans when you run into a problem in the middle of a trip. Faye can also be reached through email at [email protected]. All in all, Faye’s commitment to being there for travelers as well as its comprehensive coverage provided by an underwriter with a strong reputation make it easy to recommend. 

• Other Great Providers

Allianz Travel

Allianz is the largest insurance provider in the world, which in itself doesn’t mean that much. However, with that size comes a great deal of experience and an extremely diverse portfolio of policies including annual plans covering multiple trips, family plans, and policies that cover extended trips up to a year long. These specialized offerings are perfect for families traveling together or temporarily moving to another country.

Amex Travel

Long associated with international travel, American Express’s travel insurance wing provides four tiers of protection, from a bare-bones policy to comprehensive coverage. In addition, you can create your own policy, where you pick and choose your preferred areas of coverage. In a rare move, the website also provides a sample policy contract to read before you buy. This flexibility will appeal to travelers who know what coverage they need and don’t want to waste money on coverage they don’t.

An old standby and originally an arm of Mutual of Omaha, Travelex remains a popular choice for travel insurance. Travelex offers two levels of standard protection and a number of policy add-ons to build just the right insurance for your trip. A bit on the pricey side, the costs are more than offset by top-flight concierge services and decades of experience in the industry. With above average costumer comments, Travelex is a solid choice for anyone thinking of going on a trip.

• More insight into our methodology

We wish we could tell you that we went about researching this article by buying travel insurance ourselves and jetting off to the Maldives or Bora Bora to try it out. Unfortunately our killjoy editor quickly quashed that idea. [Note from killjoy editor: Your request for paid time off is denied. See me.] Instead we had to do this the old-fashioned way with a lot of legwork, research, and interviews. We even read an entire ten page travel insurance policy cover to cover. A page turner it was not.

When we started this article, we thought we’d spend a lot of time talking about loopholes, shady insurance providers, and tips on how to wring the money you deserve out of tight-fisted companies. Imagine our surprise to discover an industry that largely delivers on coverage promises and pays out a high percent of claims. Though the industry is not perfect, and many customer complaints are completely valid, we discovered that when the right steps are taken, travel insurance really can save your trip, your bank account, and even your life. And isn’t your peace of mind worth the average travel insurance policy price of 4-10% of the cost of your trip?

A recent survey of the British insurance industry claimed a travel insurance payout rate of 87%. Comparable, but by no means definitive rates are cited in America, where the industry is more protective of its data.

The trick, as with all insurance, is to always know what you’re buying. Sounds simple, right? Take it from a team that actually read a policy and we can assure you, it is not. But don’t panic: once you know what to look for and how to read one of these contracts, you can rest easy knowing exactly where your coverage begins and where it ends.

In order to find out how to do that, we talked to people on both sides of the travel insurance market. Megan Cruz is the Executive Director of the US Travel Insurance Association . The UStiA is a trade association whose mission is “to foster ethical and professional standards of industry conduct, cultivate effective state and federal government relations, inform and assist members, and educate consumers.” The organization serves as both the forum to create and improve standards within the industry, as well as the lobby for same.

“A lot of the complaints… …that are heard by UStiA members generally relate to people thinking something is covered that is not,” she told us.

Then we talked to Ellie von Wellsheim, the founder and CEO of The Mooncatcher Project --a non-profit that provides reusable menstrual pads to school-age girls in developing nations to help them continue their education. Part of her job entails frequent travel to the countries the organization services--countries that often have substandard medical facilities or experience a higher-than-average rate of natural disasters or political instability. Travel insurance is an essential and frequent purchase for her and the organization.

“I’m going to extremely poor places where medical hospitals are pretty bad,” she told us. “I want to know that I’m covered. Because something could happen to me. The airline offered insurance is only for your travel. It doesn’t cover you if you have to be medevaced out of the country.”

Finally, we constructed our own hypothetical trip based on one of our coworkers, and plugged his information into all the insurers we researched to see what his coverage would look like. We “sent” our imaginary 38-year-old colleague to France from Washington, D.C. on each of these sites, using the same travel dates and a projected cost of $3,000 for the trip. We tended to skip the bare bones policies in favor of more comprehensive options, since the price bump was generally less than $50. We figured that if you’re already paying for travel insurance, the small extra expense if well worth the extra peace of mind.

Though not a perfect predictor of value across demographics, destinations, or trip costs, it does provide a benchmark for coverage that we can work with.

Coverage is the undisputed king in the realm of travel insurance. The single most important thing to look at is your policy and what’s on it. As a travel insurance customer, you need to be crystal clear on how much protection you are buying, as well as what circumstances are not covered.

• Extra Benefits

Because many coverage options are fairly standard in the industry, varying mostly by dollar limits, insurers add extra benefits to plans to entice buyers. These benefits can range from concierge services in the event of a flight delay up to legal assistance in a foreign country. In the event of a crisis, you can’t put a dollar amount on the value of these vital services.

• Price & Reputation

Coming in at a distant third place is price. As typically a one-time expense, travel insurance is pretty affordably priced. However, high end, high risk policies can cost up to 10% of the price of a trip. But the savings or financial reimbursement in the event of calamity make it a bargain at twice the price.

• Introduction to Travel Insurance

Let’s be real, nobody likes insurance. Ask the next five people you talk to what they think about insurance and we guarantee you’ll get an earful. Ask five more and you’ll just hear more of the same. Go on, we’ll wait.

The reputation of insurance providers is so bad that a 2017 study on public perceptions of various industries and entities shows the insurance industry as a whole earned a net favorability rating of -32. That’s worse than such widely reviled bodies as Congress and Wall Street. To say the insurance industry has an image problem is putting it mildly.

Though there are some legitimate reasons for this widespread unpopularity, part of the issue is a fundamental misunderstanding of what insurance actually is. Many people think insurance--whether travel, health, auto, home, etc.--is like a big bucket of money you add to over time and can draw from for any reason when anything bad happens to you.

As fantastic as this “rainy day savings account” would be for the consumer, the simple fact of the matter is that such a system would collapse on itself overnight as hundreds of thousands of claimants all raided the kitty at the same time.

Insurance premiums are set based on a mathematical balance between an expected loss number and the total number of insured individuals so that the pool will be large enough to cover all claims. If it costs X amount of dollars to pay out a given type of claim, you need to set premiums based on the expected frequency of that event.

Pretty grim stuff, certainly, but the science of predicting the frequency of accidents, losses, or other calamitous events is essential to the entire process of insurance. And without insurance, there is no commerce, no economy, and no modern world. The commercial container ships that carry the food, clothing, electronics, and other consumer goods we all buy every day typically cost more than $100 million dollars, not including the cargo. Insurance makes that possible. Who among us can afford to risk that much money in the uncertain world we live in, full of storms, pirates, and mechanical failures? Insurance spreads out unmanageable risk; thinning it to a much more acceptable level.

Insurance policies are legal contracts that spell out exactly what is and what isn’t covered. We’ll talk a little about certain ambiguous words that leave room for interpretation later. For now, suffice it to say that for the most part you should be able to read a policy and know with 99% certainty what you can expect to be covered. If it isn’t expressly covered, or if it’s specifically not covered, you really shouldn’t get too bent out of shape if your claim is denied. In a sense, it’s like getting mad that the wrench you bought for a home project isn’t a very effective hammer.

• What is Travel Insurance?

We’ve discussed what insurance is generally, but have so far skirted around the main theme of this article: What exactly is travel insurance?

Travel insurance is both exactly what you’re thinking and so much more. Amazingly, while most people are pretty cautious in their regular lives, often having policies for homeowner’s or renter’s, health, auto, and sometimes life insurance, very few people-- only 7%! --regularly buy travel insurance. Considering that the average American spends 25-35 days a year travelling , and that Medicare and a lot of American health insurance policies don’t provide coverage overseas, that means there are literally millions of Americans who are entirely uninsured for a whole month out of the year.

We bring this up not to bring you down, but to illustrate how strange it is that we can be so concerned with one aspect of travel safety and take such massive risks in others.

Nor are we suggesting that travel insurance is all about bodily safety. Indeed medical coverage is but one aspect of travel insurance. In fact, the number one reason people purchase travel insurance is trip cancelation coverage. Eighty eight percent of respondents to an AAA Travel phone survey cited trip cancelation as their number one concern. Health concerns, by the way, rated 69%.

These concerns bring up a good question - what exactly does travel insurance cover?

What’s Covered?

Travel insurance, much like any other type of insurance, covers an agreed-upon set of circumstances as set forth in the insurance contract. Coverage options fall into roughly five unofficial categories, which include the previously mentioned cancellation and health coverage, auto insurance, and issues with baggage. The fifth bucket includes unusual types of coverages, such as hijacking insurance, extreme sports coverage, and other options in less common demand.

Under each of these coverage areas are a slew of options that may or may not be exactly what you need for an upcoming trip.

In addition to coverage options, it’s worth looking at extra benefits provided by travel insurance companies. UStiA Director Megan Cruz told us that these “non-insurance services can include legal assistance, they can include help with lost travel documents, 24-hour assistance to make alternate travel arrangements or even coordinate emergency medical care.”

This suite of “extras”--concierge customer service options--really make the difference between a good insurance provider and a great one.

• Your Policy

The Fine Print

People commonly think of insurers as miserly bureaucrats who get their kicks denying claims. Policies are almost thought of as “sell your soul” contracts riddled with devious loopholes and the type of fork-tongued language lawyers salivate over.

And while it’s true that these documents contain more than their fair share of legalese, there is a reason for that. An insurance policy is a contract. By definition it’s going to have the kind of “contract-y” language most of us skim-read with glazed eyes if we even bother to look at it at all. That’s the bad news. The good news is that with a little patience you can fully understand the contents of your policy to see what is and what isn’t covered.

Loopholes--as they’re commonly understood--do not exist in insurance policies. While coverage can be denied for a number of reasons (drug or excessive alcohol use, for instance), those reasons are clearly laid out in the policy contract. There is no “get out of paying all claims free” card cleverly hidden in the contract to give the insurer a universal out. Though insurance companies aren’t much trusted by consumers or even terribly well-liked, they obviously wouldn’t last very long as a business if they just swindled their clients.

Study your policy--we know, it has all the excitement you’d expect from the reading of the minutes of a school board meeting. Nonetheless, read the whole thing and make notes where you have questions or something isn’t clear. Travel insurance comes with a 10 or 15 day “free look” clause where you can cancel the policy for a full refund any time within that period. Use the time to call your insurer and ask questions specifically pertaining to your trip. If you don’t like the answers, ask for changes to be made, or cancel the policy. You can cancel at any time during the free look period for a full refund.

As far as legalese, probably the most basic thing you want to look out for is whether the language in the contract is exclusive or inclusive. What this means is that the policy will either expressly outline all covered circumstances (inclusive), or spell out everything that is not covered (exclusive). If, for instance, the contract uses exclusive language and a particular thing is not specifically named, you can expect that scenario to be covered. Conversely, unless an inclusive contract tells you something is covered, it’s not.

Exclusive contracts tend to be rarer because it’s harder to compile a comprehensive list of everything that wouldn’t be covered. This creates more risk for the insurer but is definitely more attractive to the customer. If, for instance, there ever was a real life sharknado, such an event is more likely to be covered in an exclusive contract--because who would ever think to list it among the exclusions?--than an inclusive one.

Another thing to look out for is modifiers like “reasonable.” Our killjoy editor recently bought travel insurance for a trip to South America and found the following under “Benefits” when reading over his policy:

What you deem “reasonable” might be pretty different from what we or this insurer does. While we can all agree that a common cold isn’t a valid reason to cancel a trip, what is? The flu? Losing a finger? Losing a hand?

A lot hinges on this one word. We’re not suggesting that the insurer would go so far as to determine that Ebola isn’t a reasonably disabling condition to cover. We just want you to know that if you have questions about something in your policy, you can and should call the provider to ask for clarification.

So, what can you expect to be covered by your insurance?

Let’s put together a hypothetical trip to find out. You and your younger brother saw a special on land diving in Vanuatu and decide you absolutely have to go try it. As we’re sure you’re aware, there are no direct flights to Vanuatu from any airports in America, so you buy a ticket through Fiji. On the flight over, your luggage somehow misses the connecting flight and gets delayed for two days. You guys pack light, so it normally wouldn’t be a big deal except that your brother is a diabetic and accidentally checked his insulin.

Hey, he was excited about the trip and wasn’t thinking clearly, ok? Everyone makes mistakes.

When you finally get to Vanuatu and see the 80 foot scaffold you’ll be diving from, you understandably have second thoughts. Unfortunately, the tour company you booked with does not offer refunds--turns out you’re not the first one to get cold feet.

As the younger sibling, your brother decides he has something to prove and goes ahead with the jump. Predictably, he breaks his collarbone and has to go to the hospital a couple hours away. While he’s getting patched up, you decide to have a few drinks to calm your nerves and end up twisting your ankle on the uneven bamboo floor of what turns out to be a very rustic bar in Port Vila.

Now you’re also in the hospital and you end up calling the airline to push your flight back a few hours, which means you end up missing your connecting flight in Fiji.

So what parts of this calamitous trip does your travel insurance pay for?

Well, that obviously depends on the policy you bought. Here are the things you’ll want to make sure are in the contract:

• The whole point of this trip is to go land diving, which is about as extreme an extreme sport as there is. Most policies will not cover activities like this, so you’ll have to purchase extra coverage, and that’s going to cost you. Without this option, it’s likely that your brother’s injury would not be covered by standard medical protection.
• Delayed luggage protection is pretty standard in travel insurance policies and prescription drug coverage is not uncommon. Still, double check that it’s in the contract and how much is covered. Delayed luggage protection doesn’t replace your valuables; it only pays for essentials you need in the gap between when your luggage gets delayed and when it finally reaches you.
• Even though reimbursements for non-refundable tours or activities is common in travel insurance, your claim will likely be denied because the reason you weren’t able to participate in the booked event is that you were too afraid to go through with it. We’re not judging--land diving looks terrifying!
• A Note On Alcohol Use

What about the rest of the trip? Your visit to the hospital for your twisted ankle? The missed flight in Fiji?

Unfortunately for you, you voided the rest of your coverage by being drunk. Standard in most travel insurance policies is a drug and alcohol exclusion that won’t pay out if you’re intoxicated. You were drunk when you twisted your ankle, which means that your hospital visit was not covered. And because your injury caused the delay which caused you to ultimately miss your connecting flight, that most likely wouldn’t be covered either.

This is the closest thing to that mythical “get out of paying all claims free” card as you’re likely to find in a travel insurance policy. And, to be frank, it makes sense not to cover incidents that happen while the insured is intoxicated. Of course there is some wiggle room in what constitutes intoxication. If you had a glass of wine with dinner and injured yourself somehow, your medical coverage will probably be honored. But if you sprain your throwing wrist by playing four straight hours of beer pong, you’re on your own.

For the final word on what to look for in a travel insurance policy, we asked Megan Cruz for an insider’s perspective of what she looks for when she buys travel insurance (yes, the Executive Director of the US Travel Insurance Association buys travel insurance almost every time she travels). She answered: “I’m going to look at what’s covered and I’m also going to look at the limits of the insurance offered by the carrier, and I always read the fine print. I know those coverage limits so I’m not surprised later. I think about other costs in addition to my flight.”

• Common Exclusions

Policies can vary greatly from insurer to insurer and based upon the circumstances of you, the insured. Just as there are some commonalities in coverage options, there are also a number of exclusions you’ll see popping up often.

The first of these exclusions--and one we feel comfortable stressing--is for claims for incidents that occurred when the insured was intoxicated due to drug or alcohol use. Besides common sense, there are a number of fundamental insurance principles that would be broken if such an exclusion were not made, but we’ll focus only on one. The insured event must not be under the control of the insured. And while it’s certainly true that intoxicated individuals are generally not in control of whatever situation they find themselves in, by becoming intoxicated, they have essentially made the decision to make bad decisions. For similar reasons, gambling is not covered by other types of insurance because the insurer is bringing unmanageable risk upon him or herself.

Similar to this is the exclusion for stolen baggage if you leave said baggage unattended. Flirting with disaster, or otherwise exercising poor judgment is generally not insurable. Which brings us to the next item on the list.

Extreme sports such as skydiving, bungee jumping, etc. are typically excluded from ordinary travel insurance policies. In fact, traveling to compete in ordinary sporting events, such as baseball and football is also usually excluded. Additional insurance can be purchased to cover these and many other otherwise excluded activities… at additional cost.

Cancellation due to weather can be excluded in certain cases. Most commonly this exclusion applies when traveling to a region prone to hurricanes once the storm has been given a name . This happens when the storm reaches wind speeds of 39 mph. Keep an eye on the weather where you’re traveling and plan accordingly. Unfortunately, storms are unpredictable things, so if you cancel your trip, there’s a chance that the storm will veer off course and miss your destination, or run out of steam. While this is certainly good news for those living in what would have been the path of the storm, it does mean that you’ve ultimately canceled your trip for no reason.

The broadest and probably most widespread exclusion is for pre-existing medical conditions. Pre-existing conditions don’t necessarily mean something you’ve struggled with for years. Instead, the insurer will investigate the last 60 to 180 days of your medical history in what’s called the “look back period” to see if you were “medically stable” i.e. you did not exhibit active symptoms. If there is an issue, you can purchase an exclusion waiver for pre-existing conditions. Of course, this comes with an additional cost.

Some exclusions can ultimately be covered with the purchase of additional insurance, while others cannot. When in doubt, consult your policy and call the insurer. Common sense will provide some answers as well. If the scenario you want to insure sounds ridiculous to you, it’s probably excluded.

• Medical Tourism

As healthcare costs in the US skyrocket, medical and dental tourism are becoming popular for travelers of all ages. Countries with safe, affordable, top-level medical care such as Mexico, Thailand, Costa Rica, and others are attracting visitors looking to have both elective and medically necessary procedures performed for a fraction of what they would cost back home.

Though medical care in other countries is typically very safe--particularly if you’ve done your research and chosen trusted clinics or doctors--travel insurance providers almost universally do not cover medical tourism. Remember, insurance exists to cover unforeseen events; planned events that increase risk and uncertainty are generally uninsurable.

In fact, undergoing an elective procedure while on an insured trip can cause the rest of your coverage to be terminated. If, for instance, you miss a flight or are robbed after undergoing elective surgery, it can (and will) be argued that whatever medications you are or were on contributed to the unfortunate event. In short, in your insurer's eyes, you’ve rendered yourself uninsurable.

A very few insurers do sometimes offer policies specifically tailored to medical tourists, but these seem to disappear off the market quickly. Other insurers sometimes cover the parts of your trip not immediately associated with whatever procedure you’re having done--but only sometimes.

Because medical tourism insurance is an emerging travel service and its availability is so unpredictable, we can’t in good conscience recommend a provider. But as more people opt for treatment overseas, it’s likely that the insurance market will adjust to meet the demand for this type of coverage.

• What to Do If You Need to File a Claim

Insurance is one of those things you buy in the hope of never having to use, much like a fire extinguisher or a snake bite kit. In the unfortunate event that you do have to make a claim, there are a few things you can do that will help ensure that your claim will be approved in a timely manner.

The first step, again, is to have read your policy to understand exactly what is and is not covered. If the circumstances of your injury or loss are expressly excluded from coverage in the text of your policy, the likelihood of your claim being approved is slightly less than that of being struck by lightning while winning the lottery. In other words: it ain’t gonna happen.

When filing a claim, your two best friends are speed and documentation. Time is definitely of the essence when filing a claim. The sooner you file, the better off you’ll be. Thorough, dated documentation, in the form of both receipts and--depending on the nature of your claim--a physician’s note or police report, is an absolute must. If something is stolen or you are attacked in some way, absolutely file a report--get it in writing and get a copy to give to your insurer.

If your claim is denied, don’t panic and don’t take that initial no for a final answer. Ask why, specifically, it was denied and find out the process for resubmitting the claim. Make sure to get the reason in writing. It might just mean that more documentation or evidence is necessary to validate your version of events, not that the event in question isn’t covered.

If after doing everything right and having your claim denied again, you feel that you’re entitled to restitution, you can always hire a lawyer to advocate on your behalf. There are, in fact, lawyers who specialize in advocating for clients who’ve had insurance claims denied. Yes, it’s annoying and time consuming, but it can mean the difference between getting the pay out you deserve, and walking away with nothing.

• Do You Need Travel Insurance?

Officially our answer is “absolutely you do.” If you choose not to insure your trip and something happens, don’t say we didn’t warn you.

Unofficially, it’s really up to you, except that entrance to certain countries requires travel insurance. Also, when traveling with certain groups or organizations, the administrators of the trip might require travel insurance in order to participate. Study abroad programs, for instance, often require a policy.

Travel is no different. Most of us wouldn’t insure a $130 flight from Philadelphia to Boston, for instance, because we’d consider $130 an acceptable loss in the event that something went wrong and we couldn’t go on the trip. We wouldn’t be happy about it, certainly, but it also wouldn’t be the end of the world.

If, however, you have a severe medical condition, it may make sense to insure yourself for even short weekend trips like this. People with certain medical conditions both live with a higher level of risk in their daily lives and have a lower threshold for what is an acceptable risk.

Even if you aren’t at greater risk for accident, injury, etc., you could decide you wanted to insure this hypothetical $130 trip. It’s entirely up to you how much risk you’re comfortable with.

An expensive, once-in-a-lifetime trip should definitely be insured. We looked into ticket prices for that hypothetical trip to Vanuatu and they were about $1,500 per person from Los Angeles. If you live on the east coast you’ll need to tack on another $400-800 to make the LA flight. Not many people can swallow such a loss and not feel it.

Even worse is that most American of trips: the family vacation to Disney World. With airfare, lodging, park passes and food, a family of four can expect to pay around $5,000 for a week long trip. That’s about 8% of the average annual household income in America--$62,000. That’s a lot of money to flush down the drain because you weren’t insured.

Again, we can’t tell you how much risk you should deem acceptable. If you’re comfortable rolling the dice and paying $1,000 to fly from New York to Warsaw without travel insurance, we won’t stand in your way. And if you feel like insuring that weekend trip to Boston against every possible eventuality, that’s your prerogative.

• Alternatives to Travel Insurance

It’s worth noting that there are some alternatives to travel insurance, though as ever, you’ll need to read the fine print.

What the Airline Can Do for You

Airlines will often reimburse you in part or in full if your flight is canceled or delayed if the problem is the airline’s fault. More commonly, they will book you a seat on the next outbound flight going to the same destination. If your flight was the last of the day, the airline will often provide you with lodging for the night, as well as a meal allowance. However, these policies vary depending on the airline --it’s a good idea to read up on your airline’s policies before your date of departure to see what they will and will not do for you in the event of a screwup.

Even if an airline offers little upfront assistance in the event of a cancellation or delay, you’d be surprised what you can get by simply asking for it. Airlines are, after all, in the service industry. And though they don’t have the best reputation for customer service, they are surprisingly responsive to direct complaints.

Meanwhile, if you’re bumped off of an overbooked flight, you might have just hit the jackpot. According to the US Department of Transportation, delays can earn you a nice chunk of change . If your travel plans allow for some wiggle room, it could be well worth your while, headaches aside.

Whatever happens, though, nothing says you have to accept the airline’s first offer. You can and should negotiate better reimbursement for yourself.

What Your Health Insurance Can Do for You

Your existing health insurance may provide coverage in the event of an emergency... or it may not. It’s worth a call to your insurance provider before you travel to see what kind of coverage you can expect, if any. Typically what happens, if you’re covered, is you’ll pay out of pocket at the hospital or clinic and then your insurance provider will reimburse you upon your return home. What it almost certainly won’t do is provide coverage for medical evacuation. Very few plans offer that kind of coverage.

Ellie von Wellsheim, who travels to developing countries with generally poor medical care, insists that all of her volunteers purchase travel insurance when traveling to areas The Moon Catcher Project services. “I do say that I would like them not to just have travel insurance, but to have health insurance,” she told us, noting that your domestic insurance doesn’t always work overseas. “Look into your insurance and find out if you’re covered for medical expenses, but understand that if something catastrophic happens, you need to get out of the country, and can you afford $10-$15,000 to do that?”

Further, she noted that Medicare does not work outside of the country. If you’re insured through Medicare and are traveling overseas, it would not be a good idea to forgo medical travel insurance.

What Your Credit Card Can Do for You

Certain credit cards cover some of the same territory as travel insurance. Typically these are not the fee-free cards most people have to pay for unexpected car repairs or to replace the washing machine when it dies. These are premium cards with high fees that require above average credit. But the benefits are certainly well worth the fees.

With medical, including evacuation, lost or delayed luggage, auto, trip cancellation coverage and more, some of these cards completely take the place of travel insurance. Though they are more expensive than travel insurance policies on a single trip basis, if you’re taking more than one international trip a year, they could easily end up saving you money.

• FAQs about Travel Insurance

Can I cancel the policy and get a refund if I change my mind?

Can coverage be denied due to a pre-existing medical condition, what does travel insurance cover, will my regular health insurance cover me overseas, how much does travel insurance cost, the website i buy plane tickets from lets me buy insurance when i check out. should i, does travel insurance apply to business trips, i see some insurers offer annual policies. are they better than buying insurance trip by trip.

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The right insurance cover for your trip.

Protect your trip with the insurance cover of our partner AIG. Our individual insurance packages already include all the important Covid-19 benefits and so protect you comprehensively even in the event that you fall ill with Covid-19.

With our insurance partner AIG Europe S.A. we offer you two individual packages for your protection. These can be purchased partly during booking and partly after booking. 

Please note:

to use Cash & Miles, redeem promotional codes or take out insurance – use your computer, notebook or your tablet for your request.

AIG Travel Care

The insurance package Travel Care is valid in connection with a flight booking and, in addition to travel cancellation and travel interruption insurance, also includes additional Covid-19 benefits such as a compensation payment should you have to go into quarantine because of a Covid-19 infection at your destination.

• Travel cancellation insurance
• Travel interruption insurance
• Refund of hotel accommodation and rebooking costs due to quarantine
• Pre-travel information and assistance in the event of any entry problems related to Covid-19
• Costs dependent on travel dates

AIG Travel Care Plus

In addition to the benefits of Travel Care, medical expenses are also covered in the Plus package in the event that you fall ill with Covid-19. Any medical emergency return transport is covered as well.

• Medical assistance and worldwide access to German- and English-speaking doctors
• Cover for medical expenses in connection with a Covid-19 infection or treatment abroad, incl. return transport

Terms and conditions of insurance

The insurance packages AIG Travel Care and AIG Travel Care Plus can be booked with the Lufthansa Group insurance partner AIG Europe S.A. via the direct sales channels for passengers residing in Germany, Austria, Switzerland, Belgium, France, Spain, Italy, the Netherlands and Portugal*.

* Customers receive different products when making bookings involving Denmark, Finland, Greece, Ireland, Kuwait, Norway, the Netherlands, Poland, Portugal, Romania, Sweden, South Africa, the Czech Republic, Hungary, the United States of America, and the United Arab Emirates.

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