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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

SEE FULL REVIEW »

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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Table of Contents

The 11 best annual travel insurance policies, what is annual travel insurance, is annual travel insurance worth it, how much do annual travel insurance policies cost, does credit card travel insurance apply annually, choosing an annual travel insurance policy, final thoughts.

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

GeoBlue Trekker Choice

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

GeoBlue Trekker Essential

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

Trawick International Safe Travels Annual Deluxe

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

Allianz Travel AllTrips Basic Plan

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz Travel AllTrips Prime Plan

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

Allianz Travel AllTrips Executive Plan

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz Travel AllTrips Premier Plan

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

AIG Travel Guard Annual Travel Insurance Plan

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity Voyager Annual Travel Insurance

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

Seven Corners Travel Medical Annual Multi-Trip

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

A Plan That Didn’t Make Our List

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

How Annual Travel Insurance Works

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

When To Buy an Annual Travel Insurance Policy

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

What Annual Travel Insurance Policies Do and Don’t Cover

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Understanding Trip Length Rules

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Trip Protection Annual Multi-Trip

Convenient annual travel insurance protects your money, health, and belongings

One trip just isn’t enough.

That’s why you need the best annual trip protection, so you can see more, do more, and experience more, always knowing you’re prepared for the unexpected..

With Seven Corners Trip Protection Annual Multi-Trip, you can travel as often as you want on one convenient plan. That’s travel protection for a whole year that provides coverage for trip cancellation, trip interruption, and trip delay. You’ll also get travel medical benefits, COVID-19 coverage — including protection for medical expenses, trip cancellation, and more if you get sick — and baggage protection for every trip you take throughout the year.*

* Subject to plan limits per term

When should I take out annual travel insurance?

If you travel frequently — domestically, internationally, or both — an annual trip protection plan may be for you. 

Whether you’re a solo traveler, young family, or senior, this multi-trip plan protects your money, health, and belongings. Purchase it before your first trip and enjoy 365 days of peace of mind.

You can choose for your plan to begin on a future date as far as 180 days from tomorrow. The plan will expire exactly one year from the start date you choose.

Protect your money

Protect your health, protect your belongings, 24/7 travel assistance services, when the unexpected happens, the right trip protection can help you recover money you would have otherwise lost due to a trip cancellation, trip interruption, or trip delay..

All coverage and plan costs shown are in United States dollar amounts, per person, and up to the amount shown. The limit for each benefit is the total maximum limit for the plan year.

When your domestic health insurance doesn’t cover you during your trips, travel medical benefits can pay for the cost of vital healthcare.

Travel medical expenses.

• Pays up to $250,000 ($50,000 for New Hampshire residents)
• Covers the cost of treatment for medical emergencies (including COVID-19 and Adventure Activities) that occur during your trip. $100 deductible applies ($50 for Florida residents).
• Emergency dental expenses are covered up to $750. No deductible.

Emergency Evacuation and Repatriation of Remains

• Provides primary coverage up to $500,000
• Covers the expense of transporting you to the nearest adequate medical facility or returning you home if appropriate medical care is not available at your destination. Includes Adventure Sports Coverage.

You packed the essentials, which means not having them on your trip is less than ideal. Travel insurance can help pay to replace them.

Baggage and personal effects coverage.

• Pays up to $2,000
• Reimburses you for lost, stolen, or damaged luggage, as well as sporting equipment and personal effects
• $100 deductible ($50 for Florida residents) and a $500 per item limit apply.

Baggage Delay

• Reimburses you up to $100 per day to a maximum of $1,000
• Covers the expense of replacing clothing, toiletries, and other essential items if your baggage is delayed for the length of time specified in your plan

Travel assistance services are provided by battleface Robin Assist, an emergency assistance team available 24/7 worldwide. Travel assistance services can include emergency telephone interpretation assistance, roadside assistance, emergency cash transfer assistance, missed connections coordination, legal referrals, and more.

Frequently asked questions, who can buy seven corners trip protection annual multi-trip.

This plan is available to U.S. residents.

You cannot purchase this plan if you reside in one of these states: Minnesota, New York, and Washington.

Where can I travel?

This plan is ideal for both domestic trips in the United States and international trips.

View list of destinations not covered by this plan

How many trips per year am I covered for?

You can travel as often as you like during the length of your plan’s coverage as long as each trip does not exceed 40 days (30 days for Florida residents).

Do I need to notify Seven Corners when I go on a trip?

No. Whether you’ve been planning a trip for months or decide to take a spur-of-the-moment getaway, you do not need to notify us before you travel. You’ll still be covered by your annual plan.

Is the Trip Cancellation limit per trip or for the entire year?

Coverage limits shown for Seven Corners Trip Protection Annual Multi-Trip are cumulative for the plan year.

What is a pre-existing condition, and can I get coverage for one?

A pre-existing condition is an illness, disease, or other condition that you, a family member, or traveling companion has before your coverage begins. They may include conditions such as heart disease, diabetes, autoimmune disorders, and more.

Pre-existing conditions are covered by Trip Protection Annual Multi-Trip after the policy has been in effect for 60 days. At the end of your annual coverage, you can re-buy the plan for an additional year. If you purchase again without a gap in coverage, you do not need to wait another 60 days to gain pre-existing conditions coverage.

This can be a complicated subject, so we recommend you read your plan document and contact us if you have questions.

What if I think I might take one or more trips with a value of greater than $10,000?

For trips exceeding $10,000, we recommend purchasing  Seven Corners Trip Protection  for single trips instead of the annual multi-trip plan. This will provide better coverage for travel with higher trip costs in the event of a trip cancellation or interruption.

What is Adventure Sports Coverage?

Adventure Sports Coverage can pay benefits if you suffer an injury while participating in adventure activities. These activities include cycling, mountain climbing up to 15,000 feet, fishing, scuba diving for qualified divers up to a maximum depth of 40 meters, scuba diving for unqualified divers up to a maximum depth of 30 meters, snorkeling, white or black water rafting, canoeing, kayaking, water skiing, camping, hiking, backpacking, sailing, downhill and cross-country skiing, snowboarding, snowmobiling, tobogganing, snow tubing, and ice skating.

Can I get a refund if I'm not satisfied?

If you are not satisfied for any reason, you may cancel your plan within 10 days from the date of purchase by contacting battleface at  [email protected] . We will refund your plan cost paid provided there has been no incurred loss, you have not departed on a covered trip, or you have not filed a claim under your plan.

For full details about this plan and what is covered,  review your plan document .

Important Note: This plan is underwritten by Spinnaker Insurance Company (an IL Corporation, NAIC# 24376), with administrative office at One Pluckemin Way, Suite 102, Bedminster, NJ 07921. Plans are offered and administered by battleface Insurance Services LLC, 45 East Lincoln Street, Columbus, OH 43215, National Producer Number 18731960 (FL License number L107363/CA License number 0M75381). Travel Retailers offering this plan may not be licensed insurance producers and cannot answer technical questions about the terms, benefits, exclusions, and conditions of this insurance or evaluate the adequacy of your existing insurance. Your Travel Retailer may be compensated for the purchase of a Plan and may provide general information about the Plans offered, including a description of the coverage and price. The purchase of this Plan is not required in order to purchase other travel products or services offered by your Travel Retailer. This is a brief description of the coverage provided under policy series RIG-1000. The Policy will contain reductions, limitations, exclusions, and termination provisions. Please refer to the Policy for complete details. If there are conflicts between the information on this site and the Policy, the Policy will govern in all cases. Not all products or coverages may be available in all jurisdictions.

Non-insurance assistance services are provided by Robin Assist LLC (in CA: battleface Insurance Services dba Robin Assist).

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• Key takeaways

Detailed look at best annual travel insurance plans of 2024

What is annual travel insurance, what does annual travel insurance cover, how much does annual travel insurance cost, annual travel insurance vs single-trip insurance, our top picks for single-trip plans, is annual travel insurance worth it, multi-trip insurance faq.

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Best Annual Travel Insurance: Multi-Trip Coverage

• Based on our analysis, the best annual travel insurance plans come from Worldtrips, Faye, Seven Corners, Trawick, GeoBlue, & MedJet Assist. ( skip ahead to view these plans ).
• Annual travel insurance plans can work out to be cheaper than buying individual travel insurance policies for each trip . However, annual coverage is usually not as robust as a single-trip coverage.
• Annual travel insurance plans mainly offer medical-based coverage but usually lack coverage for other scenarios like trip interruptions, cancellation, delays, or lost baggage.
• It’s important to evaluate your coverage needs before opting for a multi-trip travel insurance plan, as the inclusions vary greatly by provider .
• You may find that buying separate travel insurance policies for each trip fits your needs better. You can compare the cost of single-trip coverage here .

Our top 3 recommendations for annual travel insurance

Seven corners, trawick international.

An annual travel insurance plan, or multi-trip insurance plan, is a type of travel insurance policy that provides coverage for every trip you take over a period of up to 365 days.

While single-trip insurance is a great option for seldom travelers, multi-trip travel insurance might make more sense if you travel regularly.

Annual travel insurance policies can be ideal for:

• early retirees
• long-term travelers
• students abroad
• business travelers
• families who regularly bounce between countries and destinations

Annual travel insurance is not only convenient, but it can also be more cost-effective than buying a separate plan each time you travel. That said, not all travel insurance companies offer annual plans, and even then, some plans are different than others.

So, let’s get into it. You can find our top picks for the best annual travel insurance below.

Best Overall

Why we like it.

Editor's take

The Worldtrips Atlas Multi-trip plan is our top choice for annual travel coverage thanks to it’s comprehensive benefits and extremely high medical coverage. It can cover you for an unlimited number of international trips lasting up to 30 or 45 days.

You’ll get $1M in emergency medical treatment coverage as well as $1M in emergency medical evacuation coverage. Apart from this, Worldtrips is one of the few providers that offers comprehensive benefits with their annual multi-trip plan.

This means you’ll also get coverage for thinsg like dental emergenices, accidental death and dismemberment, trip delays, lost checked bagage, personal liabity, and more.

This plan also includes trip iterruption beneifts of up to $10,000.

This is one of the most complete plans we have found for annual multi-trip coverage.

• Get coverage for medical expenses and emergency medical evacuation worth up to $1 million
• Coverage can apply to multiple trips during 364 days
• A $250 deductible applies per trip
• Non-medical insurance benefits come with low limits
• Some benefit amounts are lower for older travelers
• Co-payments can apply for select medical care

Best For Frequent Travelers

Seven Corners’ Trip Protection Annual Multi-Trip plan allows you to travel as many times as you’d like throughout the year under one policy. With $250,000 worth of medical coverage ($50,000 for New Hampshire residents), you are protected should the worst happen during your trip.

Alongside this standard medical coverage, the Trip Protection Annual Multi-Trip plan covers emergency dental expenses up to $750 and coverage for COVID-19-related illnesses.

This plan enables you to choose from four levels of trip cancellation coverage: $2,500; $5,000; $7,500; and $10,000. Trip interruption coverage also provides up to 150% of the trip cancellation limit and up to $1,000 of missed connection coverage per year.

Read our full review

• $250,000 for emergency medical expenses
• Travel multiple times a year
• 24/7 emergency travel assistance included
• Provides primary coverage up to $500,000 for emergency evacuation
• Customizable benefit levels
• Coverage only applies to trips up to 40 days
• Deductible up to $100 for emergency medical coverage

Best Overall for Comprehensive Coverage

The Safe Travels Annual Deluxe plan from Trawick International is aptly named as it represents the most deluxe and comprehensive annual travel insurance plan on our list. It’s important to note that its sister plan (the Trawick Safe Travels Annual Basic) is our choice for the best value plan thanks to the coverage it provides for the price. However, if you want to be fully covered on your trip, the Safe Travels Annual Deluxe plan is the one to go for. It offers everything that the Basic plan offers, just with higher coverage limits.

With this plan, you get international and domestic travel coverage for medical treatment and evacuation. While the medical limits are lower than other plans, they should be enough for the majority of situations domestically and abroad.

The Deluxe plan also offers coverage for any delayed trips, with an allowance of $500 per trip. The plan also includes hurricane and weather cover, up to the maximum benefit shown on the confirmation of coverage - ideal for those traveling to volatile weather destinations.

Travelers looking to cover any possibility of baggage delays or loss of items during their travels will be pleased to see that the Safe Travels Annual Deluxe plan provides both. Policyholders will be entitled to a daily cover of $200 for delays of baggage and a $150 per item cover on all lost items during travel.

With medical coverage for COVID-19 included in the Emergency Medical Coverage, the Safe Travels Annual Deluxe plan provides great peace of mind when traveling in the post-COVID world.

• Covers domestic & international travel
• Includes emergency medical evacuation coverage
• Covers interruption and cancelation of the trip
• Offers hurricane and weather coverage
• Offers sports and activities coverage
• Medical limits are low for international trips
• Secondary medical coverage

Best Value for the Money

This plan offers great value as it’s the second most affordable plan on the list and offers many different types of coverage. Where the Geo Blue Trekker Essential excl US plan only covers you outside the U.S., the Safe Travels Annual Basic plan from Trawick International offers coverage to both domestic and international destinations. It also goes several steps further from medical-only coverage and offers basic coverage for:

• Trip interruption
• Trip cancellation
• Travel delays
• Baggage delays
• Lost baggage and personal items
• Accidental death and dismemberment

That said, it is important to note that the medical coverage limits on this plan are lower than most. You will only be covered for up to $10,000 in medical treatments and $50,000 for medical evacuation. You also won’t be covered for pre-existing conditions. That makes this coverage ideal as a supplementary plan to your U.S. healthcare and perfect for domestic travel or travel in and around North America and the Caribbean.

• Great plan to have for basic coverage
• Diverse coverage and inclusions
• Cancelation & interruption coverage
• Lower medical coverage limits

Best for Basic Coverage on Trips Abroad

The GeoBlue Trekker Essential excl US plan is a great basic plan for frequent travelers who are looking for medical-related coverage when heading out of the U.S. for up to 70 days per trip and is also the most affordable plan on our list. With this plan, you can take an unlimited amount of trips during a year and stay covered as long as each trip lasts under the 70-day maximum.

With a robust $500,000 emergency medical coverage limit and a $250,000 medical evacuation limit, this policy should easily cover you in almost all medical scenarios should the worst happen abroad. This policy can also cover pre-existing health conditions which is a major plus for older travelers or those with health issues.

Limitations to this plan are that it only covers trips outside of the U.S. and does not include cancellation, interruption, or travel delay coverage. Therefore, if you plan to travel domestically or are keen on being covered for things not just related to travel health, you may want to look at other plans on our list, like the ones from Trawick International.

• Solid medical coverage limits
• Coverage for an unlimited number of trips
• Covers pre-existing medical conditions
• 24-hour assistance provided
• Money-back guarantee
• No cancelation/interruption coverage
• No coverage on trips within the U.S.

Best for High Medical Coverage

The GeoBlue Trekker Choice excl US plan is one of the best multi-trip plans for travelers needing high medical coverage limits for trips outside the U.S. With this plan, you will get up to a million dollars worth of emergency medical coverage and $500,000 of medical evacuation and repatriation coverage. These levels are some of the highest in the industry and can ensure you are covered in almost all medical scenarios. Added to this extensive list is a 24-hour accidental death and dismemberment coverage and sports coverage, ensuring you are fully prepared for any eventuality. This plan is a step up from the Trekker Essential excl US offering higher medical coverage and coverage for lost baggage and equipment. All of these coverage inclusions make this an ideal plan for adventure travel and travel to remote areas of the globe. As with the Trekker Essential excl US, this plan does not offer coverage for trips within the U.S., cancellation or interruption coverage, nor on trips lasting longer than 70 days.

• High medical coverage limits
• Accidental death & dismemberment coverage
• Baggage and personal items loss coverage
• Covers some sports & adventure activities
• No coverage for trips within the U.S.
• No cancelation or interruption coverage

Best For Annual Membership

Medjetassist.

MedJet Assist is a membership plan that ensures individuals get the medical evacuation help they need when they need it. Paying for membership ensures travelers get help arranging medical transfers regardless of medical necessity, and it lets members determine which medical facility they want to be moved to. This plan works for medical evacuation within the United States and abroad, and it can be purchased for short-term travel or longer trips.

While the traditional MedJet Assist plan includes coverage for medical evacuation, the upgraded MedJetHorizon plan also adds in worldwide travel security, crisis response, and evacuation services powered by FocusPoint International. This add-on coverage can help pay for evacuation in the event of terrorism, natural disasters, and violent crime.

• Available for short-term or long-term travel
• Can cover pricey evacuation expenses when you need medical care
• Covers both personal and business travel
• Membership covers each trip you take during its term
• Short-term memberships start at just $99
• Does not include traditional travel insurance benefits
• Does not cover transportation from the site of an accident (medical facility transfers only)
• Covers up to two transport events per year

Annual travel insurance, also known as multi-trip travel insurance, is a type of travel insurance policy that covers you for multiple trips throughout the year. It’s important to highlight the difference between multiple trips throughout the year, and taking a single trip that visits multiple destinations.

Under annual travel insurance policies, you are able to leave your home country, take a trip abroad, return home, and repeat the process several times throughout the year. Each of these single trips, regardless of the time in between, will be covered under an annual/multi-trip travel insurance policy.

On the other hand, a single-trip insurance plan covers you for one single trip, regardless of whether this journey includes more than one country or destination (i.e. backpacking through Europe)

With a single-trip policy, your coverage begins once you leave home and ends as soon as you return whereas with an annual/multi-trip policy, your coverage starts and stops each time you travel.

Some annual travel insurance plans are medical plans only, meaning they provide coverage for medical care that is required during travel but not much else.

That said, some annual travel insurance plans, including some mentioned above, offer comprehensive coverage with benefits for trip cancellation and interruption, travel delays, lost and delayed baggage, and more. However, it requires a cancellation reason covered by the policy. Cancel for any reason (CFAR) coverage can be added to most plans.

Choosing between either annual travel medical insurance or a more comprehensive option will depend on your needs and how much you are willing to spend.

• Cheaper than buying multiple single-trip plans
• The convenience of buying one plan vs. many separate ones
• Ideal option for frequent travelers
• Limited coverage options versus single-trip plans
• Fewer plans to choose from
• May not be a perfect fit for each trip you take

All annual multi-trip travel insurance plans include coverage for medical expenses , including protection for any medical emergency that occurs.

However, coverage limits vary by plan, and some travel insurance plans offer considerably higher limits than others (even up to $1 million).

 Other common benefits of annual travel insurance plans include:

• Coverage for emergency medical evacuation: Emergency medical evacuation coverage, also known as medevac, is insurance that covers emergency transportation when you become ill or injured away from home.
• Protection for repatriation of remains : A repatriation of remains policy provides coverage for the transportation of the policyholder’s bodily remains to their country of residence - should they result in death from a covered illness or injury.
• Insurance for medical expenses due to COVID: This coverage allows the policyholder to be insured for any medical expenses caused by the Coronavirus/SARS-CoV-2.
• Accidental death and dismemberment (AD&D) coverage : AD&D coverage pays benefits should the policyholder experience an accidental death or dismemberment. This also includes the loss, or loss of use, of body parts or limb functions.

It’s important to note that some traditional travel insurance benefits are often not included in annual plans. This all depends on the travel insurance provider you’re considering and the multi-trip plans they have on offer. This being said, it is not a given that the following insurance benefits will be absent from any annual travel insurance policy.

Here are some traditional travel insurance benefits you may get with an annual travel insurance policy:

• Trip cancellation coverage : Trip cancellation coverage will financially cover you should any unforeseen circumstance prevent you from making your planned trip.
• Trip interruption coverage: This insurance policy will reimburse you for any unused, prepaid, or nonrefundable expenses should you be required to cut your trip short.
• Insurance for travel delays: If you experience flight or travel delays, your policy will cover you for certain expenses such as cancelation fees or unused activities.
• Protection for lost or delayed baggage: This policy allows you to claim the cost of any lost or delayed luggage en route to your travel destination.
• Coverage for missed connections : If your flight, train, boat, or any other predetermined mode of travel is delayed, this insurance policy will cover the cost of any additional transport needed to complete your trip.

To give you an idea of the cost of a travel insurance plan with annual coverage, we applied for quotes from all the top travel insurance companies included in this guide.

The quotes we received were for a multi-trip plan lasting for up to one year and aimed to cover two 45-year-old citizens of the United States.

While included benefits and coverage limits vary among these plans, the chart below shows the average premium cost for each provider meeting these criteria.

While these price examples can offer insight into ballpark figures for what an annual plan could potentially cost, it’s important to note that the cost of travel insurance varies based on many factors, such as your age, destination of choice, state of residence, and more.

Therefore, we recommend getting a quick personalized quote using a comparison tool. This can allow you to see several plans and prices all at once that are valid for your personal trip parameters.

Is it cheaper to buy annual travel insurance vs. single-trip insurance?

An annual policy intends to cover multiple trips over a period that may last up to one year. Therefore, the cost is higher. However, it’s important to consider all of the destinations you plan to visit before purchasing travel insurance for a year.

If you plan on staying in the same destination for the duration of your trip, such as a vacation to Bali , or are taking a cruise once a year, then buying affordable travel insurance for a single trip, monthly travel insurance, or a cruise insurance plan will likely be less expensive than buying an annual plan. Apart from that, single-trip travel insurance plans tend to have more types of coverage included overall. It is important to mention that many multi-trip insurances oftentimes exclude seniors and people 60+ years old. In that case, it is highly recommended to compare single-trip plans or senior insurance offers .

However, if you plan on visiting multiple destinations or countries throughout the year, an annual plan with travel insurance for one year may make more sense. If you have a list of your destinations, try searching what several single plans would cost compared to an annual multi-country travel insurance plan.

For international trips where you may need travel insurance for multiple countries, single plans will be more expensive than if you were to buy single plans for US destinations.

If you are a spontaneous traveler and want the freedom to know you will be covered regardless of where you decide to travel, opting for a multi-trip insurance plan can save you time and money.

As mentioned before, annual travel insurance is right for people who travel frequently, such as digital nomads, business people, retirees, students abroad, etc.

Here are some examples of people who may and may not benefit from annual trip insurance:

An annual travel insurance policy may be right for you if you meet the following criteria:

• You take at least four or five separate trips that keep you on the road (or in the air) almost year-round
• You travel often and frequently at the last minute and you want a travel insurance policy that is always in force
• You want to limit your out-of-pocket expenses by purchasing a single travel plan once per year
• You have a pre-existing condition and you want to ensure you have medical coverage when you travel abroad
• You want  coverage for COVID-19  when you travel abroad

You may want to opt for a sing-trip plan if you meet the following criteria:

• You only take a few trips each year
• You only plan to travel within the US
• You travel within the U.S. and you have a health insurance plan that applies nationwide
• You prefer to customize each travel policy you buy with select add-ons

Seven Corners Trip Protection Choice

• Overall trip cost
• Travel delays & stipends
• Baggage & equipment loss/damage
• Emergency medical expenses

Tin Leg Gold

• Accidental death & dismemberment
• Medical coverage for COVID-19 sickness
• Pre-existing conditions (when meeting waiver criteria)
• Sports & adventure (exclusions apply)

Trawick International Safe Travels Voyager

• Hurricane & Weather
• Financial Default
• Baggage and personal items loss up to $2,500
• Baggage delay coverage up to $600 per person

Investing in an annual travel insurance plan can be well worth it if you travel often and want to ensure you have coverage each time you do.

Having an annual plan in place means you don’t have to get a new travel insurance quote for each trip you take. Instead, you can pay an upfront premium once and get coverage that lasts for multiple trips.

That said, it’s worth noting that some year long travel insurance plans are limited to medical-only coverage. Therefore, we recommend looking for annual plans with comprehensive coverage if you want protection against travel delays, trip cancellation and interruption, lost or delayed baggage, and other risks.

We suggest researching the travel insurance companies in our guide and comparing their plans side-by-side. From this annual travel insurance comparison, you can get a few quotes for the types of trips you want to take. Don’t settle on a travel insurance policy until you find one with the included coverages and benefits you need.

Ultimately, whether or not to purchase a multi-trip travel insurance plan will depend on your specific travel habits and how much you want to spend.

Jon Morgan's experience buying annual travel insurance:

“I find myself traveling quite frequently for business meetings, conferences, and networking events. Having an annual plan seemed like the most practical choice because it provides continuous coverage for all my trips throughout the year.

It just saves me from the hassle of purchasing separate insurance every time I travel, which, trust me, can get quite overwhelming with my schedule.

I would definitely buy an annual plan again . It just simplifies my life and ensures I’m protected every time I step out for a business trip.

The thought that I won’t be financially burdened if something goes wrong is a huge relief. Having the peace of mindknowing that I’m covered in case of trip cancellations, medical emergencies, or unexpected events during my travels is priceless.” –  Jon Morgan

When should I purchase annual travel insurance?

You can purchase travel insurance any time of the year as it typically lasts 364 days after the date of purchase. However, many people start a new travel insurance annual plan at the beginning of the calendar year so as never to be left without one by forgetting when to renew.

Do I need to know how many trips I will take before I buy annual travel insurance?

You typically aren’t required to give all your destinations when signing up for an annual travel insurance plan. However, regarding price, single travel insurance plans can be cheaper and more comprehensive. Therefore, we recommend annual travel insurance if you take at least four or five separate trips each year. Ultimately, these yearly travel insurance plans are geared toward jetsetters, expats, and business travelers.

What is the difference between annual travel insurance and multi-trip travel insurance?

Annual travel insurance and multi-trip travel insurance are essentially the same thing. Annual travel insurance typically lasts for up to 364 days, whereas some multiple-trip plans last for a shorter duration. Make sure to compare travel insurance plans that make sense for how long and how often you plan to travel.

What companies offer annual travel insurance?

Top providers that offer annual travel insurance plans include Allianz, GeoBlue, HTH Travel Insurance, IMG, Seven Corners, and WorldTrips.

Do you have to pay all at once?

Annual trip insurance plans require you to pay a single premium all at once. However, this means you shouldn’t have to pay any more travel insurance premiums for up to one year.

About the Author

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Policy Details

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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

Multi-Trip Travel Insurance: One Policy That Covers Every Trip for a Year

You don't have to buy travel insurance each time you go somewhere. You can buy it annually. Here's what multi-trip insurance is, how it works, and how to tell if it's the economical choice for you.

By Jason Cochran

Last updated: August 13, 2024

For years you've heard it drilled into your brain: Always buy travel insurance for major trips.  But even minor trips may involve big problems. 

Airlines and airports are halting operations without warning , political skirmishes are changing the landscape of no-go destinations , and, oh yeah, you could still get sick with Covid when you're scheduled to travel.

Given how unreliable travel has become and how easy it is to get stranded between point A and point B, our new travel insurance advice could very well be simplified to three words: Always have it . 

There's actually a type of travel insurance that you only have to buy once a year. Multi-trip insurance will cover you, no matter where you go, for the length of the policy's validity period, which is usually a year.

Buy this type of insurance once, and you'll be covered for all your trips for a full 12 months. 

Does multi-trip travel insurance save money?

That's something you have to calculate based on who you are and what your travel habits are.

"The cost of single-trip products are often based on two factors: the age of the traveler and the cost of the trip," said Daniel Durazo of Allianz Travel Insurance , one of the largest players in the business. "So as those factors go up or down, so does the cost of travel insurance."

According to Durazo, single-trip policies often cost between 5% and 10% of the total cost of a trip.

On the other hand, annual multi-trip policies are usually offered at a flat rate, "meaning your cost may not increase with age and trip cost," Durazo said.

Once you possess multi-trip coverage, you don't have to report each trip you take to your insurer, like you do with single-trip policies. You're simply covered for the year, no matter where you go.

All of the insurance industry experts we spoke to estimated that you'd need to take at least three to five trips in a year for the expense of a multi-trip policy to be worth it. 

Can I travel all year with a multi-trip policy?

You can take multiple trips, but you can't remain on the road for months at a time. With an annual policy, coverage for each trip will expire after a maximum number of permitted days.

Lynn Pina of Pennsylvania-based GeoBlue , which sells annual travel insurance products, says that "most policies [only] cover trips up to 30 days [apiece]." (However, one of the company's premium products, GeoBlue Trekker, will cover trips lasting up to 70 days.)

After time's up on a trip, travelers on an annual plan will have to return home and then leave again for the clock to reset for the next trip. If you can't get home in between journeys, many insurers will also sell you add-on plans to cover the extra days.

Consequently, multi-trip insurance is better for leisure or business travelers and not designed for expats or long-term backpackers. 

How can I compare single-trip travel insurance policies vs. multi-trip policies?

You don't have to track down a bunch of insurers to compare prices. That can be done quickly.

There are several one-stop online insurance marketplaces where you can plug in your details to see what numerous companies will offer.  InsureMyTrip ,  Squaremouth , and QuoteWright  have all been in business for many years. Check those and you'll be able to survey the major players and compile a thorough list of options. 

Those websites can also handle quotes for multi-trip insurance, so you won't have far to go to compare prices and inclusions.

Will multi-trip travel insurance cover trip cancellation?

Not automatically. You have to make sure you buy a policy that has trip cancellation coverage. For example, Allianz's most affordable option, AllTrips Basic , will not cover cancellation, but the company's upgraded policies, like AllTrips Premier , do cover cancellation. 

If you want the ability to decide unilaterally that you don't want to take a trip you bought, you must ensure that  Cancel for Any Reason (called CFAR) coverage is part of your policy. Not all insurance offerings automatically include a CFAR clause. 

Some upper-tier multi-trip plans will also cover everyone in your household, even if you travel separately. Maybe you can split costs with family members.

Will multi-trip travel insurance cover lost luggage?

Multi-trip policies tend to cover baggage loss, but only for a small amount and only for checked baggage.

That might not be a deal-breaker, though, because many credit cards automatically include such protection if you pay for travel with them. You might already have free baggage coverage.

Will multi-trip travel insurance cover rental car insurance?

That's another thing your credit card may already cover, but many multi-trip policies still throw it in. All of Allianz's annual plans do, and the coverage is good for $45,000 in rental car collision damage.

Will multi-trip travel insurance cover medical expenses?

Not all annual policies do. Some require Americans to have primary medical insurance back home and will only deal with medical situations that are classified as emergencies.

"The benefits of these plans vary but most typically cover medical expenses, trip interruption, and medical evacuation costs," said Pina of GeoBlue. "Some may even cover preexisting conditions for medical services and medical evacuation."

You just need to seek out the specific medical coverage for your needs.

"If your prepaid costs for an international trip are for items that can be rescheduled [for free], like airline tickets, consider a travel medical plan that provides coverage for medical expenses that will not be covered by your domestic health insurance," said Pina.

Even if your policy offers limited medical inclusions, make sure it at least includes Covid-19 coverage and access to a doctor around the clock via a telehealth service. 

How often must I travel to make multi-trip travel insurance worth the money?

You may also like:  Frommer's 8 Great Travel Insurance Providers You may also like:  How to Tell If You Need Travel Insurance, Based on the Type of Vacation

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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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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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

Bank of America® Customized Cash Rewards credit card

Earn 3% cash back when you choose online shopping plus earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Find the Best Travel Insurance & Avoid Costly Surprises

• 22 Top-Rated Providers
• Side-by-Side Comparison
• 3 Million+ Travelers Insured

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.

• America’s largest travel insurance marketplace
• Intuitive & user-friendly comparison engine
• Lowest prices, guaranteed
• Multi award-winning customer service team
• 150,000+ customer reviews

Save With Squaremouth

No bias. No hidden fees. All the support. That’s why for 20 years, our customers keep coming back.

What Travel Insurance Benefits Do I Need?

Check out the comprehensive benefits our providers offer and find the perfect policy to meet your travel needs.

What Coverage is the Most Important?

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.

Great price

"I looked for alternative travel insurance besides Allianz. I'm glad I searched because I got just what I needed and a very good price!"

Kent from MA 06/20/2024

Easy to Use

"Squaremouth makes shopping for travel insurance easy by allowing a side-by-side comparison of policies and offering endlessly customizable filters."

Stephanie from MI 06/12/2024

10 star customer service

"Beyond best in class service levels. The expertise and information shared was amazing."

Susan from GA 06/03/2024

Great selection, Easy choosing

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

Spencer from NV 06/03/2024

"Website was easy to navigate. Numerous options for insurance. Excellent filter opportunities."

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.