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Travelers Auto Insurance Review 2024

Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today.

Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.

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 .

Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers.

Ease of use Ratings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

• Received fewer customer complaints than expected for auto insurance.
• Lots of coverage options for auto insurance.
• One of the largest insurance providers in the nation.
• Rideshare insurance is not available in all states.

Travelers earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Travelers is one of the most enduring and well-known names in insurance. It’s among the nation’s largest providers of auto insurance policies and is available in most states. If you’re looking to work with an agent and buy multiple products from one provider, Travelers might be a good fit.

» MORE: The best car insurance companies

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

• Where Travelers stands out

Accident forgiveness. Qualifying drivers can choose from two accident forgiveness plans if they want to avoid having their rate increase after an at-fault accident. 

Coverage options. Travelers offers coverage that some insurers don’t, including gap insurance and premier new car replacement . Both of these coverage types come in handy if you total a relatively new vehicle. 

• Where Travelers falls short

Claims satisfaction . Although Travelers boasts few customer complaints, its customer satisfaction rating is below average in J.D. Power's 2023 auto insurance claims satisfaction study [0] J.D. Power . 2023 U.S. Auto Claims Satisfaction Study . View all sources .

• Compare to other insurers

Current Product

• How much does Travelers car insurance cost? 

Travelers car insurance costs $1,681 per year on average for full coverage insurance based on NerdWallet’s December 2023 analysis. That is almost $300 a year less than the average national annual rate of $1,982. Travelers’ rates are cheaper than most other companies we analyzed rates for, with only American Family , State Farm and USAA offering cheaper annual full coverage rates. Although USAA has cheaper rates on average than State Farm, it sells only to former and active military members and their families.

These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and any additional insurance a state requires a driver to have. These rates are averages based on NerdWallet’s December 2023 analysis. Your own price will depend on your driving history, car make and model, location and other factors.

For more information on Travelers car insurance rates, including rates after an at-fault accident or DUI, check out the table below.

If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.

• How Travelers' rates compare

Your car insurance rate is determined by a variety of factors, including your driving record and credit history in most states. California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.

Here are Travelers’ average annual auto insurance rates compared to national averages for full coverage insurance and four driving profiles based on NerdWallet’s December 2023 analysis.

• Travelers auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Travelers offers the usual auto coverage choices, plus some optional features you can add (depending on your state) for an extra cost. These include:

Gap insurance protects your auto lease or loan. If your car is totaled before it’s paid off or the lease is up, Travelers pays the difference between your loan’s balance and the car’s value when it’s totaled.

Rideshare insurance is available for people who drive for companies like Uber or Lyft. Rideshare insurance covers you from the moment you turn on the rideshare app up until you pick up a passenger, then your rideshare company’s insurance is in effect. 

Premier New Car Replacement can benefit you if your car is totaled and is 5 years old or newer. This coverage pays to replace the car with a new one, once you pay any applicable deductibles, plus includes gap insurance to pay off any loan or lease balance when the car is totaled. If your car’s glass needs to be repaired, enrolling in this program means you could have a lower deductible.

Responsible Driver Plan forgives one accident and one minor violation over a specified period, so your rates won’t go up after a crash or ticket.

The Premier Responsible Driver Plan includes the above accident and violation forgiveness perks, as well as a decreasing deductible ($50 off for every six months accident-free, up to $500 off your deductible). If your car is totaled, your deductible is waived in this program.

Travelers also offers non-owner car insurance , which provides liability coverage for drivers who don’t own a car, but still regularly drive.

» MORE: Compare car insurance rates

• Auto insurance discounts

Travelers offers many ways to save on your car insurance, including discounts for:

Having multiple policies through Travelers.

Insuring more than one vehicle.

Home ownership, even if your house or condo is insured with a different company.

Safe driving.

Having no gaps in coverage.

Owning or leasing a hybrid car.

Insuring vehicles less than 3 years old.

Paying electronically, upfront or on time.

New customers who get quotes before their current policies expire.

Drivers in high school or college who maintain a “B” average or better.

Students who are away at school.

Completing a driver training course.

Being a member of certain organizations.

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance .

• Pricing based on tracked driving habits

IntelliDrive uses an app to track your driving speed, the time of day, phone use, and braking and acceleration habits for 90 days. It’s available in 42 states and Washington, D.C. At renewal, you can get a discount of up to 30% for good driving.

Travelers also offers IntelliDrivePlus, which provides a rate at each renewal period based on driving behavior that’s tracked throughout your entire policy term. It’s only available in Arkansas, Nebraska and Ohio.

Your rates could go up if you have risky driving habits (except in certain states) for both programs.

See what you could save on car insurance

• Complaints and customer satisfaction

Travelers had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

Travelers received an overall satisfaction score of 80 out of 100 from a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

Travelers ranked No. 6 out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction [0] J.D. Power . 2024 U.S. Auto Insurance Shopping Study . View all sources .

• More about Travelers auto insurance

Website: Travelers’ login portal lets you access all of your insurance information, pay bills, track claims and more. Elsewhere on the website, you can find an agent, get a quote and read advice on topics such as driving in icy conditions and preventing house fires.

App: You can pay bills, file a claim, call for roadside assistance and view policy documents with Travelers’ mobile app, available for iOS and Android.

• Homeowners and renters insurance from Travelers

Travelers offers homeowners insurance with all of the standard coverage options, plus additional features you can buy. To learn more, see NerdWallet’s Travelers home insurance review .

The company also offers policies for those who don’t own their own homes. See our Travelers renters insurance review .

• Other insurance from Travelers

Travelers offers these additional insurance policies:

Boat and yacht.

Commercial auto.

Wedding and event.

Travelers sells the following types of insurance through third parties:

Motorcycle, through Dairyland .

Pet, through ASPCA .

You can report a claim through the Travelers website or app, though the company recommends calling if anyone was injured in the accident or there’s significant property damage.

You can get a quote on the Travelers website, call the company directly or work with a local agent.

Yes. For other options, see NerdWallet’s guide to rideshare insurance .

You can reach Travelers customer service 24/7 at 866-336-2077. Travelers also offers direct phone numbers to various departments depending on what you need help with, including help with roadside assistance, policy questions and technical issues.

Travelers offers auto insurance policies in all states except Alaska, Hawaii, West Virginia, Louisiana, Michigan, South Dakota, North Dakota, Wyoming. Travelers also sells car insurance in Washington, D.C.

Yes. For other options, see NerdWallet’s guide to

rideshare insurance

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance .

2024 auto insurance survey methodology

The opt-in survey of 7,514 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2023. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.

Only brands with 100 or more qualifying respondents are reported. Of those respondents: 301 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 140 were USAA customers, 125 were AAA customers, 105 were Liberty Mutual customers, 103 were American Family customers, 104 were Farmers customers, 104 were Travelers customers and 104 were Nationwide customers.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.

$300,000 bodily injury liability coverage per crash.

$50,000 property damage liability coverage per crash.

$100,000 uninsured motorist bodily injury coverage per person.

$300,000 uninsured motorist bodily injury coverage per crash.

Collision coverage with $1,000 deductible.Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

For drivers with a DUI, we added a single drunken-driving violation.

We used a 2021 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.

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Travelers Car Insurance Review

Claim filing available online and using the mobile app

Offers new car replacement insurance

Has roadside assistance coverage and gap insurance

Location may impact discounts you can access

Rideshare coverage isn’t available in all states

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Our ratings are unbiased. We follow strict editorial guidelines, maintain a separate business team, and have a transparent methodology.

Table of Contents

About Travelers Car Insurance

Who should get travelers car insurance.

• Insurance Coverages

Key Takeaways

• Travelers has a variety of optional coverages for customizing a policy.
• There are many potential discounts, but some aren’t available in all states.

Travelers offers customizable car insurance that enables drivers to tailor a policy to their needs. There are a number of optional coverages you might not find with some other insurers, like roadside assistance, gap insurance, and limited ridesharing coverage. Plus, there are conveniences like online claim filing and policy management. Claim filing and other tasks can also be carried out in the company’s mobile app.

There are also extensive opportunities to save with discounts, like a multipolicy discount (the company also sells other insurance products, such as homeowners and renters) and a safe driver discount. Keep in mind that where you live may impact which discounts are available.

The best way to understand how much an auto policy from Travelers will cost is to get a quote, which can be done on the company’s website or by phone. It’s always a good idea to compare quotes from multiple companies to be sure you’re getting a competitive rate.

Travelers car insurance can provide a wide array of coverages and potential discounts . It may appeal to drivers looking for options to customize a policy. Travelers also sells multiple other types of insurance, which could be convenient for policyholders who want to meet a range of insurance needs with one company. It may also create another way to save, by bundling auto insurance with other kinds of coverage.

What Does Travelers Car Insurance Cover?

Travelers offers a range of standard coverages, including:

This includes both bodily injury and property damage liability coverage in the event you’re found to be at fault in an accident.

This pays for repairs to your vehicle if you collide with another car or a stationary object, or if your vehicle rolls over.

Comprehensive

This covers non-collision damages to your car, such as those from vandalism, weather, or a falling object.

Uninsured/underinsured motorist

This applies if you’re in an accident where the other driver does not have insurance, or doesn’t have adequate coverage. It pays for resulting damages and medical costs.

Personal injury protection (PIP)

Also called no-fault insurance, this pays medical expenses for you and your passengers if you’re in an accident, regardless of fault. It can also cover lost wages and some other costs.

Medical payments (MedPay)

This covers both you and your passengers if there are injuries following an accident, regardless of who’s at fault.

Compare Car Insurance Quotes

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Additional Options Offered by Travelers Car Insurance

You can also add a number of optional coverages. Just keep in mind that these will generally cost you extra.

Loan/lease gap insurance

If your car is financed or leased, this can pay the difference between the actual cash value of the car and the unpaid loan or lease balance if your car is totaled.

Roadside assistance

If you’re left stranded due to something like a dead battery, roadside assistance coverage can help.

Accident forgiveness

This feature falls under the Travelers’ Responsible Driver Plan, and would forgive one accident within a specific period of time. (Not available in all states.)

Rental coverage

If your vehicle is damaged by a covered accident and cannot be driven for more than 24 hours, this would provide rental car reimbursement.

New car replacement

If your new car is totaled within the first five years of ownership, this would pay to replace it with a new car of the same make and model.

Ridesharing (limited)

If you use ridesharing to earn money, this would provide limited coverage for that. (Not available in all states.)

Car Insurance Discounts Offered by Travelers 

Travelers offers many possible discounts, however they may be limited depending on where you live. Discounts that may be available include:

Multipolicy

Safe driver, continuous insurance, eft, pay-in-full, and good payer, home ownership, hybrid/electric car insurance, good student, student away at school, driver training, how to buy car insurance from travelers .

If you’re interested in a car insurance policy with Travelers, you can start by getting an online quote or contacting the company by phone. You can also use the insurer’s online agent locator to check for agents near you.

Is Travelers Good Car Insurance?

Travelers offers a bevy of potential discounts, though they aren’t available in all states. And it has many optional coverages you won’t find with some other insurers, which can allow for policy customization. This includes gap insurance and new car replacement coverage. Bundling opportunities are also available. As with any insurer, the best way to determine whether Travelers is right for you is to get a quote and compare costs and coverages with other carriers.

Other Insurance Offered by Travelers 

Travelers also offers other types of insurance, including:

• Wedding and event
• Valuable items
• Boat and yacht

Travelers’ customer service can be contacted by phone at 800-842-5075. The company can also be contacted by email through its website.

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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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Housing | Allstate gets California OK to raise home…

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Housing | Allstate gets California OK to raise home insurance rates 34% in wildfire areas

The rate hike, which will take effect from november, will impact about 350,000 policyholders across california..

Allstate Corp. is set to increase home insurance rates for California customers by an average of 34.1%, marking the biggest jump in premiums for a major insurer in three years as the state faces a deepening property insurance crisis.

The rate hike, which will take effect from November, will affect about 350,000 policyholders across California. Some customers will face premium increases of up to 650%, while others may see their rates drop by as much as 57%, according to company filings.

Also see:   California condo owners to get expanded FAIR plan fire insurance

The increase is part of the broader upheaval in California’s insurance market, with top insurers like State Farm, Farmers Insurance and others pulling back from the state, citing the escalating costs of wildfires and regulations that have capped rate hikes for decades.

Allstate, which stopped issuing new homeowner policies in California in 2022, pointed to these growing financial risks when it first paused coverage.

Related:   California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage

“Higher home values and repair costs coupled with more frequent, severe weather lead to higher payments to help customers recover, so we need to adjust rates to better reflect the cost of protecting our customers,” Allstate spokesperson Michael Passman said in an emailed response to questions.

The San Francisco Chronicle earlier reported the rate adjustment and said the previous larger increase was in 2021 when Homesite Insurance was approved for a 38.2% hike.

Also see:   Travelers Insurance raising California home rates by 15% on average

The decision on Allstate follows a series of rate hikes for other insurers, including State Farm, which is seeking to raise its rates by an additional 30% after already securing a 20% increase earlier this year. The Department of Insurance is still reviewing State Farm’s latest request, with Insurance Commissioner Ricardo Lara expressing concerns about the insurer’s “financial condition.”

The rising premiums and reduced coverage are worsening the affordability crisis in California’s housing market and driving more homeowners to turn to the state’s FAIR plan, the last-resort insurer.

In an effort to stabilize the market, Lara is pushing for reforms that would allow insurers to factor in the costs of climate change and reinsurance when setting rates. In return, insurers would be required to offer more coverage in wildfire-prone areas, according to the commissioner.

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