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Protect yourself with the CUMIS Travel Insurance Program. Enjoy that secure feeling knowing the unique coverage and service offered are designed with your needs in mind.

Whether you are still in school, well into retirement, a world traveller or off on a quick weekend escape, coverage options are available that fit your lifestyle. 

Key Benefits of Emergency Hospital and Medical Insurance coverage:

• Up to $10 million for emergency treatment of an injury or sickness.
• Emergency medical evacuation via air ambulance to a hospital in your province, when medically necessary.
• Up to $4,000 for treatment for an accidental dental injury
• Up to $3,000 to transport a family member or friend to your hospital bedside if you are hospitalized, plus up to $1,000 for out-of-pocket expenses incurred by them.
• Coverage for the cost to return an accompanying family member home, when necessary

Click here  to review the many plans and options designed just for credit union members under the CUMIS Travel Insurance Program. If you have any questions about additional coverage or want to know more, call 1-877-885-284

Click here to view procedures and download claim forms.  

Travel insurance does not cover everything. For a complete description of benefits and exclusions, please see the certificate of insurance. This product is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

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Travel smarter with Trip and Medical Travel Insurance

Make the most of your next adventure

Traveling is fun and exciting, but it’s often unpredictable. Smart travelers know that no trip is complete without a comprehensive travel insurance policy to lower their risks in case something goes wrong. From natural disasters and weather conditions to health issues and accidents, there’s no telling what might happen to throw your trip off course. Fortunately, Travel Insurance helps you plan and prepare for whatever comes your way. Whether you’re on a business trip or the vacation of your dreams, Redstone Insurance Services’ Trip Insurance and Medical Travel Insurance can protect you physically and financially.

Trip Insurance

You’ve been planning a trip to London for months—saving, researching, booking, and making arrangements. The day before you’re due to depart, you fall and break your ankle. Without Travel Insurance, an accident like this could be very costly. You risk losing every penny of the non-refundable expenses for your trip, including plane tickets, transportation, hotel, and pre-paid tours, theater, and event tickets.

With Redstone Insurance Services’ Trip Insurance, you’ll be covered if you need to cancel or postpone your trip, or if you have to cut your trip short and come home early. Trip Insurance could save you thousands of dollars in unrecoverable costs, and many headaches when it comes time to reschedule.

Protect your travel plans with Trip Insurance

Medical Travel Insurance

While hiking in Indonesia, you slip on the trail. You hurt your wrist and cut your hand. You’ll definitely need stiches and antibiotics, and you should probably get an x-ray. What should you do? Standard health insurance plans don’t always provide international coverage. Getting treated for an injury like this could set you back hundreds or even thousands of dollars, turning a beautiful day outdoors into an expensive day at the hospital.

Redstone Insurance Services’ Medical Travel Insurance offers the protection you need if you become ill or have an accident far from home. In a true emergency, medical care could cost tens of thousands of dollars abroad. With Medical Travel Insurance, a minor expense now could save you a bundle later on. You’ll rest easy and feel more secure, no matter where your adventures take you.

Protect yourself with Medical Travel Insurance

See how travel insurance can help you make the most of your next adventure.

Must be Redstone Federal Credit Union (RFCU) member to obtain certain insurance products. Must be eligible for membership and open a share savings account to join. A $5.00 minimum balance is required to open share savings account and must be maintained in share savings account at all times. Fees and other restrictions may apply. RFCU does not warrant, guarantee, or insure any product or service offered by Redstone Insurance Services (RIS) or any third party insurance company. RIS, third party insurance companies and RFCU are separate entities.

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Life insurance can help you create a financial plan to protect your family or business, ensure a comfortable retirement or prepare a tax-sheltered savings plan for your child’s education.

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Travel Insurance

With the CUMIS Travel Insurance Program, you can feel secure knowing the unique coverage and service offered was designed just to meet the needs of credit union members.

Read more about travel insurance

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Travel insurance

It costs a little but can save a lot.

If you're taking a vacation this year, you'll want to make sure it's everything you dream it can be. The CUMIS Travel Insurance program † is here to provide you with peace of mind while you're planning your travels.

It's easy to get coverage and protect yourself during emergencies when you're away from home.

Get a quote and buy online

You'll need to:

• Provide trip information
• Select a plan and coverage options
• Fill out traveller information
• Provide payment information

CUMIS Travel Insurance program gives you:

• Unique single or multi-trip plans at affordable rates
• 24/7 access to emergency travel assistance in almost any language
• Help with lost or stolen travel documents

Other benefits include:

• Ambulance service (land, sea and air)
• Drugs prescribed during a medical visit
• Rental of wheelchair or crutches
• Meals and accommodation for a travelling companion if you're hospitalized
• Travel costs to bring a family member to your bedside if you're ill

Not a member? Get in touch with us today. Call 1.877.378.8728 or visit a branch .

Stay protected and enjoy a worry-free trip.

† Travel insurance does not cover everything. Please refer to the certificate for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, and administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.

Emergency Assistance

Bought a policy and need help while you're travelling? Call Allianz Global Assistance.

Within Canada/USA: 1.800.995.1662

Worldwide: Country code + 800.842.08420

If you're unable to call through the toll-free numbers, please call collect at 416-340-0049

Travel insurance questions

Before you decide, look carefully at what coverage you really have and compare it to what you actually may need.

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Travel Insurance: Protect Your Trip From the Unexpected

With travel insurance in your back pocket, you can focus on enjoying your trip fully instead of worrying about ‘what-ifs.’

Be sure to check out our rates prior to booking your trip with a travel agent or airline; you may be pleasantly surprised!

Not a Member?  Join Today!

Going on a Trip? Don’t Forget to Pack Travel Insurance.

Traveling is an investment. Travel insurance helps protect your investment if something goes wrong or if you have to cancel your plans altogether. Here are some examples of what your policy could cover:

Compensation for lost or stolen luggage

Trip cancellation or interruptions (including flight delays and cancellations), insurance coverage for your rental car, a $100 “inconvenience payout” if your luggage or flight is delayed, emergency medical insurance (or evacuation, if necessary), and more—speak to an insurance representative for details, insurance coverage that takes care of your littlest travelers..

With travel insurance through Quorum’s trusted partner, children under 17 are covered for free when traveling with a parent. And if you get sick on vacation and need a relative to come get your kids, that expense may be covered too.

Other Helpful Resources:

Why Travel Insurance Makes Sense

How to Save Money on Your Next Vacation Using Your Phone

15 Ways to Stay Cybersafe When You’re Traveling

Bundle up build an insurance package and save..

Bundle your home and auto insurance to save even more on your monthly bill. Learn more about the benefits of having all of your policies with one company, and build a complete insurance package tailor-made for your individual needs.

Frequently Asked Questions

Why do i need travel insurance.

Just as you have home or car insurance, travel insurance is no different, as it allows you to protect the investment you make in your travel plans. Travel insurance can protect your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason, as well as provide additional benefits like baggage protection and emergency medical and dental.

What does travel insurance cover?

Travel insurance can provide benefits for a number of situations that may occur before or your during your trip, including:

• Trip Cancellation Protection
• Trip Interruption Protection
• Emergency Medical/Dental
• Emergency Medical Transportation
• Lost/Stolen/Damaged Baggage
• Travel Delay

Note: Not all plans include each benefit listed here. Please refer to your Certificate of Insurance/Policy for definition of terms, conditions, and exclusions. Or   speak to an agent   to choose the right policy for you.

If I cancel my trip, do I get my money back?

Trip cancellation protection provides cash back for prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your plan. Some reasons include: sudden covered medical emergencies, financial default of a covered airline, cruise line or tour operator, employer termination, terrorist incidents, and jury duty. Some reasons for cancellation aren’t covered, such as changing your mind about taking a trip or other things not named in your policy/certificate of insurance. Not all plans include trip cancellation. Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions.

If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the cancellation.

A Few Things You Should Know

Quorum will help you through the process and help you find the best rates with our third-party insurance agencies. Discounts are not available in all states and discounts vary by state. Products are not insured by the NCUA. Insurance products are not obligations of, or guaranteed by, Quorum Federal Credit Union. Insurance products are issued by MassDrive Insurance Group.

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Should You Take the Travel Insurance?

Almost anytime you book travel online or over the phone, websites or agents will ask whether you would like to purchase travel insurance for your trip. The pitch for travel insurance is usually a hard sell. Companies warn that failure to purchase travel insurance could leave you responsible for cancellation fees and other expenses.

The reality is that most people are not sure whether it is necessary or not. They may add it on blindly (or fail to buy it) without fully understanding what it offers or how it might impact their travel plans. It is essential to weigh the pros and cons of purchasing travel insurance for your particular situation since there are many factors to consider and exclusions to take into account.

What is Travel Insurance?

In a nutshell, travel insurance is designed to protect you, the traveler, from financial losses that could occur during your travel. However, only certain situations and benefits are covered, plan coverage varies, and there are many exclusions.

When Should You Take It?

One of the prime times to consider travel insurance is when you are traveling out of the country. When traveling abroad, choose a robust travel insurance plan and understand the intricacies of offerings for things like:

• Medical expenses while traveling (most U.S. insurance companies exclude expenses while traveling out of the country).
• Medical evacuation costs (if you need to be transported back to the U.S. under medical supervision the costs can be astronomical without this vital protection).
• When you have expensive non-refundable tickets that are more than you can easily afford to lose.
• When you are taking a cruise. Cruises are different because they are widely vulnerable to hurricanes and tropical storms and are fairly high-ticket items. Make sure when you book that you purchase travel insurance and that hurricanes are not excluded from this protection.

Even in these situations, you might want to check to see if you have coverage and protection elsewhere, such as through your credit card provider, first.

When Should You Skip It?

The short answer to this question is “some of the time.” That is the case when traveling domestically on a short trip where the cost of the trip is minimal.

Another time to skip the travel insurance is when your credit card company offers protection already. No one wants to pay for the same service twice. More importantly, most credit card companies provide more robust coverage than the average add-on insurance plan when booking flights and hotels.

Also, some airlines offer no change fees, which allows you to change your flight without incurring a cost to do so. If you book your trip through an airline offering this perk, then considering skipping travel insurance for this portion of your itinerary.

Further, many of the items “covered” by flight insurance are available to airline passengers automatically. Some of them allow airlines to get out of what they owe to passengers, according to Smarter Travel.

Lastly, consider the exclusions in the travel insurance plan. A recent NBC news report states that travel insurance protection is actually very thin, and the exclusions make the coverage somewhat sketchy. Those inclusions include things like delays caused by the following common reasons for flight delays and/or cancellations:

• Natural disasters (like hurricanes and earthquakes)
• Air, water, or other pollution
• Civil unrest
• Terrorist events
• Nuclear disasters

It also excludes things considered pre-existing conditions, including pregnancy and childbirth or “reasonably foreseeable” problems resulting in delayed or canceled flights from protection.

Considerations Concerning Travel Insurance

The next time you are faced with the question of travel insurance when booking your travel, consider these points before clicking to buy.

• Does your credit card company offer better protection for free?
• Are you traveling domestically are abroad?
• Does your airline offer “no change fees”?
• Are you taking a cruise?
• Are you traveling to an area affected by hurricanes and it is hurricane season?
• How much are you willing to lose for the flexibility your travels require?

Most of the time, the answer to these questions will answer your questions about the necessity of travel insurance.

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7 Best Cheap Travel Insurance Companies in July 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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

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

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

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

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

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

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

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

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

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

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

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

Reliable but cheap travel insurance providers

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

Why we picked it:

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

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

Among the lowest prices we found.

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

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

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

Includes a preexisting medical condition waiver.

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

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

3. IMG (iTravelInsured Lite plan: $77)

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

Covers costs related to trip interruption up to 125% 

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

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

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

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

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

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

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

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

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

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

6. Seven Corners (Basic plan: $75)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

, missed connection, baggage and other protections.

How to maximize your rewards

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

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

No annual fee: Wells Fargo Autograph℠ Card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

• Open 9am-5pm: Monday - Friday
• Butterly Business Park, Artane, Co. Dublin

• CALL US TODAY 01 802 2354

Travel Insurance

+5% credit union member discount, single trip, cusafe travel insurance offer. great deals and excellent cover., please note: if you travel against government advice, the policy is invalid., cusafe insurance - terms of service.

CuSafe have and always will treat your personal details with the utmost care.

CuSafe Insurance  Terms of Business

These terms of business set out the basis on which CuSafe Insurance Brokers Ltd (hereinafter referred to as “CuSafe”) will provide business services to you as a client of the firm. They also contain details of our regulatory and statutory obligations and the respective duties of both the firm and you in relation to such services. CuSafe is a member of our brokers association, Brokers Ireland.

Authorised Status CuSafe is authorised by the Central Bank of Ireland as an Investment Intermediary under the Investment Intermediaries Act 1995, and is registered with the Central Bank of Ireland as an Insurance Intermediary under the Insurance Mediation Directive. Copies of our various authorisations are available on request. Our authorisations can be verified by contacting the Central Bank on 1890 777 777. We are subject to the Central Bank’s Consumer Protection Code, Minimum Competency Code, and Fitness & Probity Standards – these can be found on the Central Bank’s website www.centralbank.ie. CuSafe is also regulated by the Competition and Consumer Protection Commission as a Credit Intermediary.

Services Provided We will offer broad based advice on a fair analysis basis in relation to all classes of life and non-life insurance policies. As a Credit Intermediary the firm can arrange personal loans e.g. premium finance. We will identify and select a suitable product producer and on receipt of your instructions we will transmit orders on your behalf to one or more product producers (a list of which is available on request). For certain classes of insurance, for example, where we have a specialist product line, we may select one or more preferred providers and arrange all such insurances with those providers. CuSafe does not hold shareholdings in any insurer and likewise no insurer has any shareholding in our firm. This firm does not have a ‘tied’ relationship with any institution that would compromise our ability to offer you broad based advice and choice. CuSafe has selected one preferred product provider, Irish Life Assurance plc., for life insurance plans (including life assurance, specified illness cover, income protection, unit linked savings, investments and pension plans), tracker bonds and Personal Retirement Savings Accounts (PRSAs). Analysis of the market will be limited to products provided by Irish Life Assurance plc.

Remuneration and Fees – Non-life CuSafe is remunerated by a professional fee for the initial work activity and time spent in seeking the best terms, advice, product and product producer for your specific needs. A professional fee is also charged for the activity involved in the renewal of the policy and also any alterations that take place during and at termination of a policy. A scale of our fees is undernoted (the percentages shown represent percentages of premiums). We are usually remunerated by commission received from the product producers (details available on request) for the work involved in placing an order and finalising the product with them on your behalf and this is not connected with any professional fee which we charge you. (Some product producers do not pay a commission). Commissions received from product producers are not offset against fees chargeable unless otherwise agreed with you in writing. All fees are shown on a per year/ annual basis. Where a policy is effected for a period longer than one year, the fees payable will be the annual rates shown below multiplied by the policy term.

Standard Scale of Fees Charged For Personal Lines Business in relation to Initial Placement and Renewal of policies: Private & Commercial Motor, Campers– Up to a maximum of 60% with a Minimum of €/£40. Household, Travel, Holiday Home and all other Personal Lines risks – Up to a maximum of 60% with a Minimum of €/£40. In relation to Alterations to or Cancellations of Personal Lines policies during the course of the insurance year which result in either an additional or refund premium and the issue of duplicate documentation a fee of up to €/£50 will apply per transaction. For Corporate Risks such as Commercial Property, Traders Combined, Employers & Public Liability, Motor Fleets, Engineering and all other business related risks in relation to Initial Placement and Renewal of policies – Up to a maximum of 60%. In relation to Alterations to or Cancellations of Corporate policies during the course of the insurance year which result in either an additional or refund premium and the issue of duplicate documentation – Up to a maximum of 60% with a Minimum of €/£40. We reserve the right to amend these fees should the complexity of the product require a higher fee. We will confirm and agree this fee with you prior to any increased charge being applied. Where we act as a wholesaling broker for particular product lines we may charge fees for acting in that capacity in addition to our Standard Scale of Fees shown above. Where we arrange an insurance policy on your behalf and you subsequently cancel cover, we will retain any fee already charged for our services in arranging that cover. We will pass on any bank charges incurred by CuSafe as a result of any payments being returned Unpaid by a client’s bank.

Remuneration and Fees – Life For Life assurance, income protection, mortgage protection, pensions, investments, and savings policies, CuSafe is remunerated on a commission basis from Insurers, and where applicable, full details are included in the product information document distributed to you prior to a proposal being completed. CuSafe may also opt to charge a fee in certain circumstances. If this occurs, you will be fully appraised of the cost involved in advance of providing a service. CuSafe may receive additional commission based on volumes of business placed. We may also receive renewal or indexation commissions. All commissions received contribute to our costs associated with the provision of ongoing services to you and are not offset against fees chargeable unless specifically agreed with you in writing.

Conflict of Interests It is the policy of CuSafe to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise, we will advise you of this before proceeding to provide any business service. If you have not been advised of any such conflict you are entitled to assume that none arises.

Premium Handling CuSafe will accept payments in various ways including, cash, cheque and debit card in respect of all classes of insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995. CuSafe is not authorised to accept cash or negotiable instruments in any other circumstances. Premiums are due on / or before renewal / inception date. Under the Central Bank legislation very strict rules apply to the payment of premiums to Insurance companies. We will not be able to pay premiums to insurers which have not been received from clients. Therefore, to avoid policy cancellation, premiums must be paid immediately prior to cover incepting or renewal date, otherwise strictly within the credit terms. Where a discrepancy of €/£10 or less arises between the amount due and the amount actually received to cover your insurance premium and our fees, we shall be entitled to write off the amount of the discrepancy in our accounts.

Cancellation / Cooling Off Period – Non-Life A consumer (as defined by SI No. 853 of 2004) has the right to withdraw from an insurance policy (as defined under SI No. 853 of 2004) within 14 days of the start date of the policy without penalty and without giving any reason – this is known as the Cooling Off period. The right of withdrawal may be exercised by notice in writing to CuSafe, quoting your policy number. Should this right be exercised the Insurance Company may charge a pro rata premium for the period you are on cover. If the cover is motor insurance and you wish to avail of the cooling off period, the policy cannot be cancelled until you return the Certificate of Insurance and Windscreen Disc to us. The policy cannot be cancelled until the certificate of insurance and windscreen disk is received by CuSafe. You, the customer can cancel your policy by notice in writing at any time. Provided that all reasonable charges pertaining to costs incurred by CuSafe have been paid and provided that no incident giving rise to a claim has occurred in the current period of insurance, you will be entitled to a proportionate return of the premium for the un-expired period of insurance unless the policy is on a minimum and deposit basis, and if this is the case, no return will be allowed on the policy and this will be noted on your policy schedule. If you cancel during the first year (outside of the Cooling Off period) short term rates apply, please see policy terms and conditions. In the case of cancellation of motor insurance you must return the Certificate of Insurance and Windscreen Disc to CuSafe. Insurance companies normally reserve the right to cancel policies at any time by giving appropriate notice to your last known address. Please refer to your policy terms and conditions. In the event of a policy being cancelled during the period of insurance, any return due will be net of commission and fees.

Failure to pay or default We reserve the right to instigate cancellation proceedings in the event of the following:

• Your non-payment of the premium due at inception, renewal or following a mid-term adjustment
• Your bank returns your cheque for any reason
• Non-disclosure of relevant information
• Insurer imposed cancellation

Your insurer may cancel your policy in certain circumstances. These conditions are clearly outlined on all policy documents. We reserve the right to take legal action for the recovery of any outstanding premiums due to insurers or fees due to CuSafe.

Complaints Procedure The company has a written procedure in place for the effective consideration and handling of complaints. Any complaints should be addressed, preferably in writing to the Compliance Officer, CuSafe. Each complaint will be acknowledged by us within 5 working days of receipt, updates will be advised in intervals of not more than 20 working days, we will endeavour to resolve the complaint within 40 business days and findings will be furnished to you within 5 working days of completion of the investigation. In the event that you are not entirely satisfied with the firms handling of and response to your complaint, you have the right to complain to the Financial Services and Pensions Ombudsman.

Investor Compensation Investor Compensation Company DAC CuSafe is a member of the Investor Compensation Company DAC Scheme established under the Investor Compensation Act, 1998. The legislation provided for the establishment of a compensation scheme and to the payment in certain circumstances, of compensation to certain clients of firms (known as eligible investors) covered by the Act. However, you should be aware that a right to compensation would only arise where client money or investment instruments held by this company on your behalf cannot be returned, either for the time being or for the foreseeable future, and where the client falls within the definition of eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of the client’s loss, which is recognised as being eligible for compensation, or €20,000.

Brokers Ireland Compensation Fund Ltd As a member of Brokers Ireland, CuSafe is also a member of the Brokers Ireland Compensation Fund Ltd. Subject to the rules of the scheme the liabilities of its member firms up to a maximum of €100,000 per client (€250,000 in aggregate) may be discharged by the Fund on its behalf if the member firm is unable to do so, where the above detailed Investor Compensation Company DAC Scheme (established by law) has failed to adequately compensate any client of the member.

Data Protection CuSafe is a Data Controller and Data Processor as defined in the Data Protection Act 1988, 2003 and General Data Protection Regulation 2018. The data which you provide to us will be held on a computer database and/or paper files for the purpose of arranging transactions or services for you. We record client telephone calls for compliance and quality control. We would also like to keep you informed of various products and services which we can offer and which we think may be of interest to you. If you do not wish to receive such marketing information please let us know below. We may provide referrals to, and receive referrals from, other firms with which we have a formal business relationship and may share relevant information for the purposes of arranging any transactions for you. You have the right at any time to request a copy of any ‘personal data’ within the meaning of the legislation (as amended or re-enacted from time to time) that our office holds about you and to have any inaccuracies in that information corrected. Your data may be transferred to a country which falls outside of the EU Commission list of adequate countries, however, we are advised that your insurer has the necessary safeguards in place to ensure that all recipients are GDPR compliant. For full details of how your personal data is used and stored, please visit our website.

Your consent The need to retain data varies widely with the type of data. Some data can be immediately deleted and some must be retained until reasonable potential for future need no longer exists. Since this can be somewhat subjective, a retention policy is important to ensure that The Company’s guidelines on retention are consistently applied throughout the organisation. All data used as a basis of a contract will be kept for the term of said contract as outlined below.

How long we hold your information The length of time we hold your data depends on a number of factors, such as regulatory rules and the type of financial product we have provided to you.

Those factors include: This section sets guidelines for retaining the different types of company data.

• The regulatory rules contained in laws and regulations or set by authorities like the Central Bank of Ireland, for example, in the Consumer Protection Code.
• The type of financial product we have provided to you. For example, we may keep data relating to a mortgage product for a longer period compared to data regarding a single payment transaction.
• Whether you and us are in a legal or some other type of dispute with another person or each other.
• The type of data we hold about you.
• Whether you or a regulatory authority asks us to keep it for a valid reason.
• Whether we use your data for long-term statistical modelling, provided that such modelling does not affect any decision we make about you.
• As a general rule, we keep your information for a specified period after the date on which a transaction has completed or you cease to be a customer.

Data Destruction Data destruction is a critical component of a data retention policy. Data destruction ensures that the Company will use data efficiently thereby making data management and data retrieval more cost effective and secure. When the retention timeframe expires, the Company will destroy said data.

Subject Access Request Subject access requests must be made in writing to the Compliance Officer, CuSafe Insurance. You must give relevant details needed to help us identify and locate all the information we may have (e.g., previous addresses, customer account numbers, etc.). CuSafe may also ask to verify your identity. A fee may be payable in certain circumstances.

The Right to Erasure A customer shall have the right to request the controller to erase personal data concerning them without undue delay and the controller shall have the obligation to erase personal data without  undue delay where the personal data is no longer necessary in relation to the purposes for which they were collected or otherwise processed or the collected data is not lawful. While a customer  may request, in writing, their data to be destroyed under the ‘Right to be Forgotten’ rule, however, destruction will be subject to any legal obligations which we may have.

Type of data collected: Policy and investment information – Name, address, email address, telephone numbers, date of birth, gender, marital or civil status, family circumstances, financial objectives, financial circumstances (including assets, liabilities, income, expenditure, banking, insurances and investments), employment, medical information where necessary, PPS numbers, copy passport or driving licence details, payment details, vehicle and property details, driving and claims history, relevant criminal convictions, penalty points, etc. Information can be obtained from sources other than you- Penalty points, address look up, geocoding information, vehicle details and history, credit score, etc. Claims information – the circumstances of an incident, health information (injuries and relevant pre-existing health conditions), relevant criminal convictions, etc. While the above covers a wide range of different types of information it is provided as a general outline, CuSafe will only collect information which is relevant to the product or service to be provided to you. All information collected will only be collated where there is a legal basis for such collection. If you are representing an organisation and provide us with a personal email address for this purpose, we will use that email address for corresponding with you, where appropriate, in relation to any product or service required. We will also use that email address for marketing purposes where you have consented to receiving marketing information.

Sharing of Information Information collected will be shared with product providers (or potential product providers) for the purposes of arranging transactions or services on your behalf i.e. Insurance companies. Information may also be shared with our support service providers, e.g. IT support companies, professional advisors, etc., who are subject to confidentiality agreements with CuSafe. Information may also be shared with regulatory bodies to which we are legally obliged to provide information.

Duty of disclosure It is your responsibility to provide complete and accurate information for insurers when arranging an insurance policy, throughout the life of that policy, and when you are renewing it. It is important that you ensure that all information provided and all statements made, and recorded on proposal forms, statements of fact, claim forms, and other documents are, to your knowledge and belief, complete and accurate. Failure to disclose any material information to your insurers could invalidate your insurance cover and could mean that all or part of a claim will not be paid.

Research / Market Security We use both local and international insurers / markets to obtain the best terms and conditions available. In selecting an insurer, a wide variety of factors are taken into account including the financial statements of the insurer in question. We do not, and cannot, guarantee the financial security of any insurer. If you have any concerns about the security offered please contact us immediately.

Claims It is essential that we are notified immediately of any claims or circumstances which could give rise to a claim. Delay in claim notification could invalidate your claim. When you notify us, you must include all material facts concerning the claim. The policy wording will describe in detail the procedures and conditions in connection with making a claim. It should be noted that there is no cover for defence costs incurred without insurer’s prior consent.

Governing Law and Language The laws of Ireland form the basis for establishing relations between you and CuSafe. All contracts, terms, conditions and communications relating to any policies you may enter with this firm will be in English.

Best Overall Travel Insurance

Best travel insurance runner-up, best travel insurance for cruises, best travel insurance for reputation, best travel insurance for pre-existing conditions, best travel insurance for digital nomads, best travel insurance for affordability, best travel insurance for road trips, best for adventure traveling, get travel insurance quotes, how we reviewed the best travel insurance companies, ultimate guide to choosing the best travel insurance.

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

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Nationwide Travel Insurance

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide travel insurance review .

AXA Assistance USA

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA travel insurance review .

Travel Guard

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard travel insurance review .

C&F Travel Insured

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Tin Leg Travel Insurance

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg travel insurance review .

WorldTrips Travel Insurance

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips travel insurance review .

Trawick International Travel Insurance

Trawick offers low premiums across its five plans, most of which offer coverage for pre-existing conditions. You'll find robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company also offers high medical evacuation coverage limits, up to $1,000,000.

Read our Trawick travel insurance review .

Travelex Travel Insurance

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

World Nomads Travel Insurance

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list, travel medical insurance capping out at $100,000. It also isn't the most flexible provider, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads travel insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

For example, to get coverage for a canceled trip due to work, many travel insurance companies require that you've been with that company for at least a year. 

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy — what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. At the very least, you should have the terms readily available while you're on your trip.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Your insurance company may even have a 24/7 assistance hotline that can walk you through an emergency during your trip, even issues that don't involve claims. 

When a problem arises. you'll want to document as much as possible, in case you need proof when filing a claim. Ask for receipts and invoices when possible.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

To come up with our list of the best travel insurance companies, Business Insider evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read more about how Business Insider rates travel insurance  for even more details.

Best Travel Insurance FAQs

There isn't one best travel insurance company; there are many great providers on the travel insurance market today. Our overall winner was Nationwide for its breadth of coverage options. AIG Travel Guard, AXA, Berkshire Hathaway, Tin Leg, WorldTrips and Trawick also made the cut. The best pick for you will depend on what features you value the most, like a low premium or high coverage limits.

While coverage varies by policy, common exclusions often include pre-existing medical conditions (unless you have purchased a waiver), accidents caused by high-risk activities if not specifically covered (e.g., skydiving, scuba diving), travel for medical procedures, and events known before purchasing the policy (e.g., traveling during a pandemic). Always read your policy carefully to understand the exclusions.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

The right amount of travel insurance depends on your trip, but $100,000 should be sufficient for most travel plans. You may want more coverage for travel medical insurance and emergency medical evacuation coverage.

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Where Kamala Harris Stands on the Issues: Abortion, Immigration and More

She wants to protect the right to abortion nationally. Here’s what else to know about her positions.

• Share full article

By Maggie Astor

• Published July 21, 2024 Updated Aug. 24, 2024

With Vice President Kamala Harris having replaced President Biden on the Democratic ticket, her stances on key issues will be scrutinized by both parties and the nation’s voters.

She has a long record in politics: as district attorney of San Francisco, as attorney general of California, as a senator, as a presidential candidate and as vice president.

Here is an overview of where she stands.

Ms. Harris supports legislation that would protect the right to abortion nationally, as Roe v. Wade did before it was overturned in 2022, in Dobbs v. Jackson Women’s Health Organization.

After the Dobbs ruling, she became central to the Biden campaign’s efforts to keep the spotlight on abortion, given that Mr. Biden — with his personal discomfort with abortion and his support for restrictions earlier in his career — was a flawed messenger. In March, she made what was believed to be the first official visit to an abortion clinic by a president or vice president.

She consistently supported abortion rights during her time in the Senate, including cosponsoring legislation that would have banned common state-level restrictions, like requiring doctors to perform specific tests or have hospital admitting privileges in order to provide abortions.

As a presidential candidate in 2019, she argued that states with a history of restricting abortion rights in violation of Roe should be subject to what is known as pre-clearance for new abortion laws — those laws would have to be federally approved before they could take effect. That proposal is not viable now that the Supreme Court has overturned Roe.

Climate change

Ms. Harris has supported the Biden administration’s climate efforts , including legislation that provided hundreds of billions of dollars in tax credits and rebates for renewable energy and electric vehicles.

“It is clear the clock is not just ticking, it is banging,” she said in a speech last year , referring to increasingly severe and frequent disasters spurred by climate change. “And that is why, one year ago, President Biden and I made the largest climate investment in America’s history.”

During her 2020 presidential campaign, she emphasized the need for environmental justice , a framework that calls for policies to address the adverse effects that climate change has on poor communities and people of color. She has emphasized that as vice president as well.

In 2019, Ms. Harris, then a senator, and Representative Alexandria Ocasio-Cortez, Democrat of New York, introduced legislation that would have evaluated environmental rules and laws by how they affected low-income communities. It would have also established an independent Office of Climate and Environmental Justice Accountability and created a “senior adviser on climate justice” within several federal agencies. In 2020, Ms. Harris introduced a more sweeping version of the bill. None of the legislation was passed.

Ms. Harris was tasked with leading the Biden administration’s efforts to secure voting rights legislation, a job she asked for . The legislation — which went through several iterations but was ultimately blocked in the Senate — would have countered voting restrictions in Republican-led states, limited gerrymandering and regulated campaign finance more strictly.

This year, she met with voting rights advocates and described a strategy that included creating a task force on threats to election workers and challenging state voting restrictions in court.

She has condemned former President Donald J. Trump’s efforts to overturn the 2020 election results. In a speech in 2022 marking the anniversary of the Jan. 6, 2021, attack on the Capitol, she said that day had showed “what our nation would look like if the forces who seek to dismantle our democracy are successful.” She added, “What was at stake then, and now, is the right to have our future decided the way the Constitution prescribes it: by we the people, all the people.”

Economic policy

In campaign events this year, Ms. Harris has promoted the Biden administration’s economic policies, including the infrastructure bill that Mr. Biden signed, funding for small businesses, a provision in the Inflation Reduction Act that capped the cost of insulin for people on Medicare and student debt forgiveness.

She indicated at an event in May that the administration’s policies to combat climate change would also bring economic benefits by creating jobs in the renewable energy industry. At another event , she promoted more than $100 million in Energy Department grants for auto parts manufacturers to pivot to electric vehicles, which she said would “help to keep our auto supply chains here in America.”

As a senator, she introduced legislation that would have provided a tax credit of up to $6,000 for middle- and low-income families, a proposal she emphasized during her presidential campaign as a way to address income inequality.

Immigration

One of Ms. Harris’s mandates as vice president has been to address the root causes of migration from Latin America, like poverty and violence in migrants’ home countries. Last year, she announced $950 million in pledges from private companies to support Central American communities. Similar commitments made previously totaled about $3 billion.

In 2021, she visited the U.S.-Mexico border and said : “This issue cannot be reduced to a political issue. We’re talking about children, we’re talking about families, we are talking about suffering.”

More recently, she backed a bipartisan border security deal that Mr. Biden endorsed but Mr. Trump, by urging Republican lawmakers to kill it , effectively torpedoed. The legislation would have closed the border if crossings reached a set threshold, and it would have funded thousands of new border security agents and asylum officers. “We are very clear, and I think most Americans are clear, that we have a broken immigration system and we need to fix it,” Ms. Harris said in March .

Israel and Gaza

Ms. Harris called in March for an “immediate cease-fire” in Gaza and described the situation there as a “humanitarian catastrophe.” She said that “the threat Hamas poses to the people of Israel must be eliminated” but also that “too many innocent Palestinians have been killed.”

In an interview later that month , she emphasized her opposition to an Israeli invasion of Rafah, the city in southern Gaza to which more than a million people had fled. “I have studied the maps,” she said. “There’s nowhere for those folks to go, and we’re looking at about 1.5 million people in Rafah who are there because they were told to go there, most of them.”

She has said on multiple occasions that she supports a two-state solution.

Racial justice

Racial justice was a theme of Ms. Harris’s presidential campaign. In a memorable debate exchange in 2019 , she denounced Mr. Biden’s past work with segregationist senators and opposition to school busing mandates.

She has called for ending mandatory minimum sentences, cash bail and the death penalty, which disproportionately affect people of color.

Amid the protests that followed the police killing of George Floyd in 2020, she was one of the senators who introduced the Justice in Policing Act, which would have made it easier to prosecute police officers, created a national registry of police misconduct and required officers to complete training on racial profiling. It was not passed.

Her record as a prosecutor also came into play during her presidential campaign. Critics noted that as attorney general of California, she had generally avoided stepping in to investigate police killings.

Maggie Astor covers politics for The New York Times, focusing on breaking news, policies, campaigns and how underrepresented or marginalized groups are affected by political systems. More about Maggie Astor

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Become a member of seiu local 2015 to access these exclusive benefits for you and your loved ones, accident, accidental death and life insurance.

The accident insurance provides a lump-sum benefit for injuries resulting from a covered accident. A  benefit  for AD&D is included as well. Covered accidents can include, but are not limited to, fractures, being admitted to the hospital, and visiting the emergency room.

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Best Credit Unions to Work For with more than $1B of assets in 2024

Among the 30 honorees that make up the largest asset class in this year's Best Credit Unions to Work For, top executives have led their organizations for 12.3 years on average. This is in addition to 83% of credit unions employing formal programs for actively recruiting and retaining a diverse set of staff.

Noteworthy statistics throughout this grouping include 63% of companies offering workplace facilities for exercise and fitness, 97% running wellness campaigns and 97% reimbursing costs for staff members pursuing an advanced or post-graduate degree.

For additional Best Credit Unions to Work For coverage:

29. Palmetto Citizens Federal Credit Union

28. HAPO Community Credit Union

27. Community Credit Union of Florida

26. Blue Federal Credit Union

25. Franklin Mint Federal Credit Union

24. Michigan First Credit Union

23. Altura Credit Union

22. Ascend Federal Credit Union

21. Cyprus Federal Credit Union

20. Empower Federal Credit Union

19. Golden 1 Credit Union

18. American Heritage Credit Union

17. Chartway Credit Union

16. University of Michigan Credit Union

15. Apple Federal Credit Union

14. MAX Credit Union

13. Deseret First Credit Union

12. Northwest Federal Credit Union

11. United Federal Credit Union

10. America First Credit Union

9. AmeriCU Credit Union

8. Veridian Credit Union

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3. Leaders Credit Union

2. One Nevada Credit Union

1. South Carolina Federal Credit Union

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In August's roundup of top banking news: The impact of National Public Data's breach on banks, USAA agrees to $64 million settlement in overcharging case and more.

City National Bank plans a new branch in California that fulfills one of its settlement obligations with the DOJ; Fiserv and PayPal expand their tech collaboration; Banc of California's Monica Sparks steps down; and more in this week's banking news roundup.

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Planning a trip abroad from Ireland? Make sure you have the right protection with Peopl Insurance. Our policies provide coverage for a range of travel-related risks, including medical emergencies, trip cancellations or interruptions, lost or stolen luggage, and more. With options for both single-trip and annual coverage, you can choose the policy that best fits your travel needs. With no upper age limits ands kids go free, the most difficult decision will be who gets the window seat.

Don’t leave your next trip to chance – contact us today to learn more about how Peopl Insurance can help protect you while you’re on the go with insurance packages that make sure you and every member of your family get the best coverage for that dream holiday.

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Our Covid cover explained

• Medical Expenses covered if you or your travelling companions are diagnosed with Covid-19 abroad.
• Additional Travel or Accommodation Expenses abroad if you need to extend your stay due to a Covid-19 diagnosis.
• Cancellation cover if you are diagnosed with Covid-19 within 14 days of departure.
• Cancellation cover if you are hospitalised with Covid-19 within 28 days of departure.
• Cancellation cover if your travelling companion(s) are diagnosed with Covid-19 within 14 days of departure.
• Cancellation cover if your travelling companion(s) are hospitalised with Covid-19 within 28 days of departure.
• Cancellation cover if somebody you have arranged to stay with abroad is diagnosed with Covid-19 within 14 days of departure.
• You are not covered for cancellation due to government travel restrictions or lockdown.

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