business trip travel insurance

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The Best Business Travel Insurance (2024 Guide)

Business travelers need travel insurance cover potential unexpected delays, cancellations, interruptions or baggage loss.

in under 2 minutes

with our comparison partner, Squaremouth

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel insurance for business travelers covers specific needs that may differ from personal vacations. For example, you may need an insurance policy to cover a laptop or other business equipment and a rental car. Trip insurance can also provide peace of mind that you have coverage while traveling so you can focus on work.

We at the MarketWatch Guides Team have researched the best travel insurance companies to help you choose the right business travel insurance policy. Read on to learn more about the benefits, coverage options and cost of business travel insurance.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

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Rating Factors

Why Get Business Travel Insurance

Often referred to as corporate travel insurance, business travel insurance can protect you from financial risks and losses during work trips. While personal and business insurance products still offer trip cancellation and medical coverage, there are a few key differences compared to standard travel insurance.

Business travel often includes unique risks due to frequency, trip costs and busy itineraries that require transportation. Frequent business travelers may benefit from multi-trip or annual insurance plans, along with generous coverage limits for trip delays, lost luggage and stolen business devices. These types of trip policies can help combat financial losses related to work travel.

What Business Travelers Need Covered By a Travel Insurance Policy

Below is a list of the main policy types for business trip insurance.

Trip Cancellation and Interruption Coverage

If you need to cancel a business trip or cut it short due to disruptions, travel insurance with trip interruption and cancellation coverage can help recover non-refundable, prepaid costs. Reimbursement is subject to reasons approved by your travel insurance provider and can vary. Generally, travel insurance covers cancellations due to the following unforeseeable events:

• The insured traveler or accompanying business partner suffers a serious illness or injury
• Death of a family member
• Natural disasters
• Terrorist events
• Inclement weather resulting in canceled flights
• An unexpected legal obligation such as jury duty

Since most policies cover cancellations for unexpected or emergent reasons, business travelers may choose to upgrade their plan with cancel for any reason (CFAR) coverage . CFAR coverage is an add-on that allows you more flexibility in canceling your trip.

Baggage and Personal Belongings Coverage

Travel insurance with baggage coverage reimburses partial or full costs due to:

• Lost or damaged baggage
• Theft of valuable business equipment
• Loss of travel documents

Furthermore, most policies provide baggage delay insurance to reimburse you for purchased necessities (like clothes and cosmetics) if your luggage arrives late to your destination.

Business Equipment Coverage

It’s important to check the fine print of policy documents to ensure you have sufficient coverage for specific business equipment. Many providers offer additional business coverage as an upgrade. For example, the Allianz AllTrips Executive Plan features specific benefits for business equipment and rentals.

What Is Business Travel Medical Insurance?

Business travel medical insurance can help cover emergency medical expenses during business trips. While some private health insurance extends international coverage, government health insurance will not pay for your medical care while traveling abroad. Comprehensive travel insurance plans also include emergency medical evacuation and repatriation coverage, along with accidental death and dismemberment benefits.

Travel medical insurance typically pays emergency healthcare costs related to:

• Ambulance service
• Hospital or medical facility fees
• Emergency dental work
• X-rays and lab tests

Business Travel Insurance Cost

The cost of travel insurance depends on your provider, coverage selections and destination. Generally, travel insurance policies cost $35 to $200 per trip. However, your cost may vary if you add business-related coverage such as device protection or rental car damage. You may also have a different rate if you opt for multi-trip or annual coverage .

You can also check with your credit card company to see if you have existing coverage, or opt for coverage through your airline. We suggest requesting quotes from at least three providers before selecting a travel insurance plan.

Benefits of Business Travel Insurance

Whether you’re embarking on a single-trip business venture or you travel for work regularly, it pays to safeguard your travel investments. Business travel insurance costs are minimal in comparison to expensive last-minute cancellations or health emergencies while overseas.

Here are some of the top benefits of a business travel insurance plan:

• Financial protection against unforeseen events
• Reimbursement of prepaid, nonrefundable costs due to travel delays , interruptions and cancellations
• Coverage of lost or stolen business equipment
• Some providers offer 24/7 travel assistance services for business travelers

Tips for Choosing the Right Business Travel Policy

Most comprehensive travel insurance policies are suitable for business travelers. You may choose add-ons for extra protections, including rental car, CFAR and business rental equipment coverage. To choose the right policy, consider the below tips:

• Compare coverage options, exclusions and costs between insurance providers
• Evaluate the reputation and financial stability of each insurance company
• Look for coverage that includes loss or delay of business devices
• Consider providers that offer 24/7 travel assistance and concierge services for business travelers

Considerations for Business Travelers

Before purchasing business travel insurance, consider your personal requirements. For example, you may need coverage for pre-existing medical conditions . If you are traveling abroad, international travel or visa requirements could require valid travel insurance.

If you’re traveling with expensive electronic devices, check that your policy includes valuables or device coverage. Also, consider baggage loss coverage if you plan on checking any valuables with your bags. For regular business travel, consider purchasing multi-trip or annual insurance policies to pay one premium for multiple trips made during a specific time frame.

Is Business Travel Insurance Worth It?

Business trips often include significant prepaid costs for airfares, hotels and car rentals. It is ultimately up to you to decide if travel insurance is worth it for your next business trip. However, travel insurance for business travelers helps cover your financial investment, along with any valuable items you take with you or rent. Comprehensive travel insurance also provides peace of mind in the event of medical emergencies while you’re on business trips overseas.

Frequently Asked Questions About Travel Insurance for Business Travelers

What does business travel accident insurance cover.

Business travel accident insurance protects employees who travel frequently for work. Most policies cover accidental death or dismemberment, which typically applies to incidents that occur on common carriers in transit (like an airplane). However, some plans may include other medical benefits.

Will travel insurance reimburse expenses for a canceled business trip?

Reimbursement rates and conditions depend on your travel insurance policy. If your trip gets canceled for a reason covered by your travel insurance provider, you can claim reimbursement of prepaid, non-refundable costs, such as flights and hotels. Acceptable reasons for cancellation generally include unforeseeable emergencies like serious illness or injury.

Does travel insurance cover business equipment?

Not all travel insurance policies cover business equipment. Check with your provider to ensure you have coverage for specific business items or devices. Many companies offer upgrades and add-ons for extra coverage of valuables, along with plans specifically designed for business travelers.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

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What's the Best Business Travel Insurance?

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

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Travel Insurance

How to find the best business travel insurance

Jennifer Simonson

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 7:22 a.m. UTC Jan. 18, 2024

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• Business travel insurance can cover trip cancellation, interruption and delay, medical and emergency evacuation, lost baggage and stolen personal belongings.
• Not all travel insurance plans cover work equipment.
• Consider buying business travel insurance if you are self-employed, traveling overseas for business or planning to add leisure time to your business trip.

While business travel insurance might not be the first thing you think of when preparing for a business trip, a comprehensive travel insurance policy can help protect you from financial loss. 

Business travel insurance may make sense for you if you are self-employed and footing the bill for your business trip, or if you are traveling internationally and are worried about the cost of medical care abroad. It may also be a smart purchase if your company won’t reimburse you for extra expenses if you experience flight delays or need to cut your trip short because of an emergency back home. 

Compare the best travel insurance offers

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Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

What does business travel insurance cover? 

Business travel insurance bundles together several types of coverage, which typically include:

• Trip cancellation insurance.
• Trip interruption insurance.
• Trip delay insurance.
• Travel medical insurance.
• Emergency evacuation insurance. 
• Baggage insurance. 
• Death and dismemberment insurance.

Coverage types and amounts vary depending on the travel insurance plan you buy.

“Travel insurance may cover trip cancellation, trip interruption, trip delay, medical expense and baggage for both leisure and business,” says Christina Tunnah, spokesperson for World Nomads. 

“The specific outcome of a claim, however, depends on the nature of the loss,” she says. “No matter what type of policy you choose, be sure to read the policy in its entirety so you understand any limitations or exclusions.”

Trip cancellation insurance for business trips

Trip cancellation insurance can reimburse you for 100% of the insured cost of your prepaid, nonrefundable travel expenses, such as airline tickets and hotel reservations, should you need to cancel your trip because of a reason listed in your policy. 

Reasons that are acceptable for trip cancellation benefits typically include severe weather and injury, serious illness or death of you, your traveling companion or a family member. 

Some travel insurance plans, such as AIG Travel’s Travel Guard Deluxe, will allow you to cancel if your business partner is injured, becomes seriously ill or dies. The Deluxe plan also provides trip cancellation benefits for select work reasons, such as unexpected job loss, employer-initiated transfer more than 100 miles from home and being required to stay and work during the scheduled trip. 

Trip interruption insurance for business trips

Trip interruption insurance can reimburse up to 150% of your insured trip expenses when you need to end your business trip early for a reason in your policy. 

If you have a death in your immediate family and need to return home early, trip interruption benefits could cover the cost of transportation to the airport and a last-minute flight home. It can also reimburse you for nonrefundable expenses like a hotel room that you will no longer need if you cut your trip short. 

Trip delay insurance for business trips

If your connecting flight is delayed or canceled, travel delay insurance can cover the cost of unexpected expenses you incur, like a meal at the airport or a night at a hotel. 

Trip delay insurance typically has a waiting period before benefits begin, so check your policy to see how many hours the delay must be before you can file a claim. Also, look for the daily and overall maximum benefits per person. If your trip delay insurance only provides $250 in coverage per day, that might not be enough for a taxi and hotel room. 

Know more about flight cancellations: Flight cancellations

Travel medical insurance for business trips

When on your business trip, if you get hurt or sick, travel medical insurance can help pay for medical care, imaging tests, lab work, medicine and a hospital stay. This can be particularly valuable if you travel to a country where your U.S. health care plan does not provide coverage. 

Emergency evacuation insurance

If you are badly injured or become severely ill in a remote location or underdeveloped country, emergency evacuation travel insurance covers the cost of transporting you to the nearest adequate medical facility for treatment. On some occasions, this coverage pays to fly you home for treatment. It may also include coverage for repatriation of remains if you die on the trip. 

Baggage insurance

If your luggage or personal items are lost, damaged or stolen, baggage insurance can cover the depreciated value of your belongings. This is typically secondary insurance, which means you’d have to file a claim with your airline or homeowners insurance first.

Baggage delay coverage can reimburse you for extra expenditures if you are without your bags for a period of time. There is usually a waiting period, such as six or 12 hours before benefits begin. If your bags still haven’t arrived after the waiting period, you can buy replacement items and file a claim for reimbursement. Be sure to note the maximum coverage limit per person as baggage delay coverage might only be a few hundred dollars.  

Many travel insurance plans do not include coverage for lost business equipment, so be sure to read your policy for exclusions. 

Death and dismemberment insurance

Business travel insurance often includes accidental death and dismemberment insurance. This might cover death or dismemberment that happens while traveling on public transportation, that results from a common carrier accident, that happens in any way except on a common carrier or that occurs at any point during your trip. Read your plan for details. 

What to look for in a business travel insurance plan

Business travelers should look for plans that include coverage for rental cars, business equipment, travel delays and trip cancellations. 

While most trip cancellation insurance policies cover emergency situations like the death of a family member or severe weather, some policies also cover business-specific cancellations. 

The Explorer plan from World Nomads, for example, includes trip cancellation coverage for certain business reasons, such as your company’s acquisition, merger or bankruptcy, physical damage to your company from a natural disaster, vandalism or theft and a requirement to stay by your boss. 

If your business trip requires you to travel with equipment, make sure it is covered under your policy. 

Allianz offers an annual AllTrips Executive insurance plan that covers both personal and business travel for an entire year. The AllTrips Executive Plan offers benefits for business equipment. If your business equipment is lost, stolen or damaged, Allianz will reimburse reasonable costs for equipment rental, replacement or repair. The policy covers up to $1,000 for replacement or repair and up to $1,000 for business equipment rental, per person, per trip.

Not all insurance plans cover work equipment. Insurance providers like World Nomads exclude coverage for professional equipment. If your bags are stolen, your personal belongings may be covered but your work devices or work-related gear like samples or trade show materials would not be, Tunnah says. 

Do you need medical evacuation insurance? 

Medical evacuation insurance is a good idea if you are traveling abroad to remote islands or regions of a country that have limited medical facilities or staff, says Scott Adamski, AIG Travel’s Head of Global Product Development. 

If this were to happen on your business trip, you might be close enough to get to a local clinic, but it might not be sufficient if the injury sustained requires advanced imaging or emergency surgery. In that case, you would need to be quickly transported to the nearest metropolis. 

Having medical evacuation insurance would be critically important because the costs associated with medical evacuations are expensive. 

“Even just from the Caribbean to Miami, an air ambulance will come with a five-figure cost, and we have seen many evacuations that land in the six figures. Because payment has to be confirmed before the air ambulance will even take off, travelers need to consider where the funds would come from,” Adamski says. 

He adds that while some group health policies offer coverage for evacuations, they may come with a coverage limit of $5,000 to $10,000. In the case of a $100,000 evacuation, you might be responsible for the balance. Facing such a financial burden while trying to get home could be overwhelming. A travel insurance plan with sufficient medical evacuation coverage would be vitally important in a case like this.

Most comprehensive travel plans include coverage for emergency medical transportation, but coverage amounts are typically lower in the more basic plans. If this is important to you, look for a plan with a high coverage limit.

Travel insurance company Travel Guard offers a coverage enhancement called “Medical Bundle” that doubles the coverage limits for medical expenses and evacuation on certain travel insurance products.

Frequently asked questions (FAQs)

Travel insurance covers your financial investment in a trip and extra money you spend because of unforeseen events that happen before and during your trip. 

A comprehensive travel insurance plan will include several types of coverage, including trip cancellation , trip delay, trip interruption, emergency medical care, emergency medical evacuation, baggage delay, and loss. 

When comparing travel insurance plans, look for what is covered and excluded from coverage, the daily and maximum coverage amounts, and the waiting times before coverage begins.

Travel insurance policies typically exclude routine physicals and dental care, elective medical procedures, mental health care, routine pregnancy, and injuries sustained during high-risk activities such as rock climbing or scuba diving. 

If you want coverage for extreme activities, look for a plan that offers an adventure sports upgrade, such as the Travel Guard Deluxe plan.

Business travel insurance can help protect you from unexpected incidents during a work trip such as travel delays or interruptions, lost luggage, and medical emergencies. 

It can be smart to buy business travel insurance for a business trip, even if your company is paying for your travel. Here are a few reasons why:

• Your company might not pay for a last-minute, one-way plane ticket if you need to cut your business trip short because of a family emergency back home.
• Your company might not pay your medical bills if you get sick or hurt while on a business trip abroad.
• Your company might not reimburse you if your personal belongings are lost or stolen while on a business trip.   

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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What Business Travel Insurance Is And Why To Get It

Travel insurance — what it is and why you should consider getting it.

Business travelers are well acquainted with all the things that could go wrong on a business trip. Flight cancellations. Lost luggage. Weather delays. Whether it's domestic or international travel, it's good to be prepared for some level of inconvenience along the way. But for business travelers, any travel delay can mean a missed sales opportunity or a disappointed customer. It’s not just an inconvenience — there can be serious business ramifications.

The responsibility for mitigating the impacts of these risks on the business falls on the travel manager. Every flight cancellation or rescheduled itinerary potentially costs your company money in non-refundable tickets or extra change fees. This responsibility extends beyond keeping an eye on expenses. The travel manager’s job is to ensure the wellbeing of travelers, especially when traveling internationally.

Business travel insurance is one way to mitigate the financial impacts of the unexpected and provide peace of mind for you and your travelers. It eases the stress of dealing with unexpected travel changes and protects you from certain financial risks and losses that can occur. This goes beyond flight cancellations and baggage delays. Let’s say you have a medical condition and your doctor advises you cancel your trip. Without travel insurance, any non-refundable fees that you’ve already paid would be lost.

That’s why Egencia has partnered with Allianz Global Assistance to provide air travel insurance — and peace of mind — to travelers who book their business trips through our platform.

Why you need a travel insurance plan

Every traveler has encountered cancellations and baggage delays at some point. A single trip can be compromised if there are multiple layovers with international travel. But there are many other risks that can impact business travel.

• Flight delays and last-minute cancellations cause you to miss important meetings.
• Severe weather shuts down travel routes, preventing you from arriving at your destination on time.
• An injury or other medical condition forces you to cancel or reschedule a planned trip.
• Serious illness while traveling could involve emergency medical evacuation or even a last-minute change to your trip to get you out of the country.
• Checked luggage containing important business equipment, presentation materials or personal items like credit cards doesn’t arrive on time or gets stolen.

We live in a dynamic, unpredictable world. It’s not a question of if it’s going to happen, but when it will happen. Business travel insurance can reimburse you for non-refundable money spent on air travel or hotels. It can also reimburse the costs of emergency medical treatments when your people are on the road. The key is to make sure you have the right kind of travel insurance plan.

How, when and where to get travel insurance

You don’t want to wait too long to purchase travel insurance. The best time to buy is when you book your business trip.

When you book business travel through Egencia, you're given the option to purchase business travel insurance provided by Allianz Global Assistance. Allianz Global Assistance is an Egencia Advantage Partner and provides travel insurance plans that protect travelers within the U.S. with up to 28 covered reasons for trip cancellation. Allianz also provides coverage in 15 countries in EMEA. Their assistance team is ready to help travelers on the road find help while traveling 24/7, any day of the year. Some of the items covered include:

• Trip cancellation
• Trip interruption
• 24/7 travel and emergency assistance
• Travel and baggage delay

With these options available right in the booking tool, Egencia integrates travel insurance protection along with the other details of an itinerary. For travel program management purposes, all information is in one portal.

Beyond travel insurance

There are other programs that can also provide some reimbursement protection when travel insurance isn’t requested or available. For instance, travelers in the EU who book their itinerary through Egencia can use AirHelp to aid with cancellations or delayed EU flights. While it’s not an insurance policy, AirHelp is a program that allows you to recoup some air travel expenses when disruption happens.

Egencia can help you find all the resources you need to manage a successful travel program.

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

Looking for better business travel solutions? Get in touch with us.

What is business travel insurance?

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Key takeaways

• Business travel insurance reimburses particular unexpected expenses or financial losses you suffer before or during a trip for work.
• A travel insurance policy usually covers things like trip cancellation/interruption, medical costs, lost baggage, travel delays, lodging expenses and more.
• Costs for business travel insurance often run between 5 and 7 percent of the trip's total expense.
• If you have a business travel credit card, however, you likely already have at least basic travel insurance under its policy, so you might not need to purchase any additional coverage.

A lot can go wrong before or during a faraway meeting, out-of-state conference, remote office visit or other planned business trip. The airport can lose or damage your luggage, your travel plans may need to be canceled suddenly due to a personal emergency, or you could simply get sick while away from home.

For these and other reasons and more, it’s smart to consider getting business travel insurance . This coverage should safeguard you financially if you incur a covered setback prior to or while you’re traveling for work .

This guide will help you find out more about business travel insurance, how it works and what’s covered, as well as who should get business travel insurance and whether this level of coverage is worth it.

How does business travel insurance work?

You have insurance for your home, car and health care. You might even have life insurance coverage. But where do you turn if you want to protect yourself financially from a business trip setback? Fortunately, you can purchase business travel insurance, also called corporate travel insurance or business trip insurance.

“Business travel insurance is insurance coverage specifically designed to protect individuals traveling for a business-specific reason. It offers comprehensive protection against unexpected incidents and expenses that can occur during a business trip,” explains Mark Friedlander, director of Corporate Communications for the Insurance Information Institute in St. Johns, Florida.

Consider that many expenses related to an upcoming business trek have to be paid well in advance and are not refundable. That means if something happens that prevents you from traveling, you could be on the hook for hundreds if not thousands of dollars. That’s where having business travel insurance comes in handy.

“You can purchase a single-trip policy, which covers expenses that arise on a single trip — usually between travel dates specified in advance,” Andrew Schrage, CEO of Money Crashers in Boston, notes. “Or, you can choose an annual or multi-trip policy that covers any eligible expenses that arise during the policy’s effective period — usually one year — regardless of how many trips you take during that time.”

What does business travel insurance cover?

Here’s what a standard business travel insurance policy typically covers, per Friedlander:

• Trip cancellation/interruption costs
• Expenses related to travel delays
• Medical bills incurred while traveling, including those related to COVID-19
• Missed connection assistance expenditures
• Costs and hassles related to lost baggage
• Car rental and lodging expenses

Stan Sandberg, co-founder of TravelInsurance.com, says many consumers opt for business trip insurance for the trip cancellation/interruption protections offered.

“Standard trip cancellation coverage will reimburse non-refundable, prepaid costs if an insured traveler has to cancel for a wide range of reasons, including getting sick unexpectedly,” he says.

Coverage for medical emergencies and health care away from home are other popular standard features in most plans.

“This is especially valuable for employees traveling abroad, where regular medical insurance might not apply. And individuals with chronic conditions can find coverage for flare ups during travel by declaring them before the business trip,” says Justin Albertynas, a travel industry expert and CEO of RatePunk.

A business travel insurance policy doesn’t cover every possible expense, however. Among the typical exclusions are:

• Reasonably foreseen events
• Acts of war
• Declared epidemics and pandemics (by the World Health Organization and/or U.S. Centers for Disease Control and Prevention)
• Travel restrictions imposed by a government entity.

Who should get business travel insurance?

Good candidates for purchasing business travel insurance include those who frequently travel for work but are not already covered by their employer.

“As most large employers most likely have travel insurance plans in place to cover their employees’ work-related travel, individual business travel insurance plans are typically targeted to independent contractors and small business owners,” adds Friedlander.

Examples of business travel insurance in action

Here are three hypothetical scenarios that underscore the value of having business trip insurance:

1. You need to cancel your trip last minute

“Let’s say you have a single-trip business travel policy with trip cancellation/interruption coverage that reimburses up to $5,000 in prepaid non-refundable expenses,” Schrage explains. “The day before your flight, an immediate family member has a medical emergency and you need to cancel your trip to care for them. If you paid $500 for round-trip airfare, $1,000 for a five-day hotel stay, and $300 for a five-day car rental, your insurer should honor a claim for $1,800 total, as long as the expenses are fully paid and not refundable by the vendor under any circumstances.”

2. You get into a medical emergency

“Imagine an employee traveling for business in Germany who unexpectedly falls ill and requires medical attention,” Albertynas says. “The incurred expenses may include a doctor’s consultation, prescription medications, hospital stay and necessary medical tests. In this scenario, the employee’s total medical expenses could add up to €1,950 or more. Business travel insurance could cover these costs, ensuring that the employee is not burdened by unexpected medical bills during their trip.”

3. Your baggage is delayed

Assume your suitcase gets lost or delayed by the airline and you need to pay extra money out of pocket for clothing, medicine and toiletries. Your policy should cover your expenses up to a predetermined amount. “Just keep in mind that business travel insurance policies often have a waiting period before coverage begins for baggage delays — typically around 12 hours,” Albertynas continues.

The average cost of business travel insurance

Business trip insurance policies commonly run approximately 5 percent to 7 percent of the total cost of your trip. “For example, travel insurance for a $3,000 business trip would cost between $150 and $180 in premium for the policy,” Friedlander says.

What you will pay will depend on the type of policy, your destination, coverage inclusions, your age and other factors. Schrage adds, “Basic trip interruption/cancellation coverage can cost as little as $10 to $20 per day, while more comprehensive policies can cost $50 or more per day. Policies that cover voluntary cancellations, known as CFAR policies, cost 50 percent to 100 percent more than policies that cover involuntary cancellations only.”

Choosing a higher deductible can lower your premium, but you’ll pay more upfront if you have to make a claim.

“Opting for a $200 deductible, for example, means you will pay that amount before coverage starts. Co-pays, co-insurance and out-of-pocket expenses refer to costs beyond the coverage limits,” Albertynas says. “It’s important to carefully review all policy details and premium quotes and understand the trade-offs involved so you can select the right plan while balancing your premium, deductible and additional expenses.”

Do credit cards offer business travel insurance?

Getting trip insurance is almost always a smart idea. But the truth is, it might be an unnecessary expense if you already have  free coverage included with your credit card , which some cards provide.

“Many business credit cards provide generous business travel coverage at no out-of-pocket cost. As long as you use your credit card to pay for eligible travel expenses, this is a better deal than buying a policy separately,” advises Schrage.

The most common types of coverage included in business travel insurance provided by a credit card are trip interruption/cancellation, accidental death and dismemberment, and rental car loss/damage.

“Before assuming your trip is covered in full, look at the limits for each coverage type and do the math. For example, if the non-refundable portion of the trip costs $10,000 and your policy only provides $5,000 in interruption/cancellation coverage, you’ll pay at least $5,000 out-of-pocket,” Schrage cautions.

The bottom line

Acquiring business travel insurance is worth it if you frequently travel for work — especially if you spend a lot on business trips, travel abroad or to riskier countries and don’t already have coverage provided by your employer or a travel credit card .

“But all business travel policies are not the same,” adds Friedlander. “It’s wise to read the fine print of your policy so you have a clear understanding of what’s covered and what’s excluded.”

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Business travel insurance

Article contents.

Tegan Oldfield

3 August 2023 | Updated 20 October 2023 | 5 minute read

Travel insurance might not be the first thing that comes to mind when planning a business trip. However, having the right policy could be helpful if your journey is delayed, cancelled or affected by issues like lost baggage.

Here’s everything you need to know about choosing the right business travel insurance.

What does business travel insurance cover?

Business travel insurance should cover a range of things.

Personal possessions

Gadgets like laptops and phones are often a major component of business travel. If you’re taking a few high-value tech items, adding gadget insurance to your policy will cover your gadgets if they’re lost, stolen or damaged on your trip.

Remember to check if the insurer covers items owned by the business or only items owned by yourself.

It’s highly recommended that you back up any essential data on an external hard drive and carry it in a separate bag.

Most policies won’t cover you for lost data – and if a business contract is riding on a presentation that’s on a misplaced laptop, the consequences could be costly.

Cancellations and delays

Cancelled or delayed flights could be an issue if you have important meetings. 

A good travel insurance policy includes protection for these types of disruption, paying for additional accommodation and travel if your journey doesn’t go to plan.

In some cases, you can also recover the costs of unused deposits, hotels, excursions, or other pre-booked expenses from your insurer.

Medical expenses

If you have to cancel your business trip because of ill health, you should get your money back  for your flights and accommodation. 

Bear in mind that you might need to provide proof from a doctor that you’re unfit to travel.

Also, if you become seriously ill while on your business trip, a travel insurance policy will pay for emergency medical treatment and repatriation (getting you home). 

Check whether you already have cover 

Some companies offer insurance as part of their employment package, so check that you’re not already covered before taking out travel insurance.

If you’re self-employed, then you’ll need to arrange your own travel insurance. 

If you’re working with a business who’s paying for your travel and accommodation, they may organise a travel insurance policy for you also. 

How is business travel insurance different?

You can find specific policies tailored to the needs of business travellers, although generally, standard travel insurance policies can be used for both holidays and business trips.

Check the exclusions for business use in your policy. Our policies cover you for both leisure and business trips (excluding any manual work),  but other insurers may not.

Cover for activities on your business trip  

Your business trip might also involve some networking and socialising activities.

If you’re playing golf with potential clients for instance, golf equipment is covered on your standard policy.

We cover you for personal accidents and liability when doing various sports and leisure activities, including golf, cycling, fishing and yachting (as long as it’s inside territorial waters).

If your skiing or snowboarding, you can upgrade your cover to include winter sports insurance .

Annual versus single-trip insurance

If you travel abroad for business trips several times a year, an annual travel insurance policy might be more cost-effective.

As well as working out cheaper than multiple single-trip policies , an annual policy means you can arrange business trips without worrying about sorting insurance each time.

Our annual multi-trip insurance covers you for unlimited trips lasting up to 31 days at a time as standard.  

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Business Travel Insurance

What is business travel insurance? 

If you’re planning a business trip, you should make sure you’re protected in case something doesn’t go to plan. With our business travel insurance policies, you can choose the perfect cover for you. Whether you're travelling once or taking multiple trips, heading to Europe or visiting further afield, our business travel insurance is appropriate for most travellers.

By purchasing travel insurance for your business trip, you can take the unnecessary worry out of travelling, so you can concentrate on the job at hand. Our specialist business travel insurance is designed with professionals in mind. That’s why we include cover for business equipment, alongside medical expenses, loss and cancellation. This way, you can rest assured that should anything unexpected happen, the essentials will be taken care of.

As with our usual policies, you can feel safe in the knowledge that our global team of experts are on hand to provide support and assistance if something goes wrong. With over 13,000 people working across five continents and speaking 58 languages, we’ll be by your side wherever your work takes you.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does business travel insurance cover? 

With our business travel insurance, you can choose between a Single Trip or Annual policy. We also have two levels of cover: Silver and Gold.

Whichever level of cover you choose, our Single Trip and Annual policies include business equipment cover, so you may not need to take out separate laptop travel insurance. We can even send a replacement business associate to complete your itinerary if you have to cut your journey short.

Business travel insurance can protect you if you need to cancel your trip before you travel, or if you need to curtail your journey. If your departure or your personal belongings are delayed, we can provide some compensation. We’ll even provide legal support to claim compensation for a fatality, or if you fall ill or are injured on your trip.

We also understand that medical cover is important. That’s why our travel insurance for business trips covers emergency medical expenses, personal accident and personal liability cover. You’ll have 24-hour access to a GP consultation service  too.

To help protect you while you’re away, our policies can cover you if you lose your passport, personal money or personal possessions. If you choose our Gold cover, you’ll also be protected against the financial failure of your end-supplier.

To see exactly what our business travel insurance policies include, please visit the  Policy Information Hub . 

The right cover to fit your needs for you and your travels

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Business Silver

Business gold, annual multi-trip silver with business, frequently asked questions.

Whether our Single Trip or Annual business travel insurance is right for you will likely depend on how often you travel.

If you’re only planning on taking one business trip this year, then our Single Trip business travel insurance is the right insurance policy for you. But, if you’re a frequent traveller and you plan on taking multiple trips, our Annual business travel insurance could work out to be a more cost-effective option.

You can work out whether a Single Trip policy or an Annual policy is best suited to your needs by getting a business travel insurance quote online.

If you’re thinking of combining business with pleasure on your trip, while many sports and leisure activities are covered as standard on our Business Travel policies, from 5th May 2021, we will not be able to provide cover while you take part in riskier Category 3 and Category 3 sports and leisure activities like kite surfing and rubgy. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased after 5th May 2021 aren't affected and your cover won't change.

If you’re likely to hit the slopes while you’re away, then we do offer  Winter Sports and Ski as an optional addition to your policy. This will provide you with protection against ski-specific risks such as avalanche closures, delayed or damaged ski equipment and unused ski-pack costs. 

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Get peace of mind – whether travelling for work or play – with our additional cover options.

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Make a claim, policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

• Introduction to InsureMyTrip

Features of InsureMyTrip Platform

• Purchasing and Managing Your Policy
• How to File a Claim
• Customer Service Experience and Usability
• Why You Should Trust Us

InsureMyTrip Travel Insurance Review 2024

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 insurance products to write unbiased product reviews.

Founded in 2000, InsureMyTrip is the first major travel insurance comparison site to hit the market. The company has served over 4 million customers and works with some of the best travel insurance companies to help travelers find the right coverage. Here's a closer look at what you need to know before using its comparison tools.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connects customers to a range of the most popular travel insurance providers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Site prioritizes travel insurance providers by customer reviews
• con icon Two crossed lines that form an 'X'. Site does not facilitate claims filing
• con icon Two crossed lines that form an 'X'. InsureMyTrip customer service is limited
• con icon Two crossed lines that form an 'X'. Company does not provide its own travel insurance packages

Introduction to InsureMyTrip 

InsureMyTrip is a travel insurance broker, which means it doesn't offer its own travel insurance. Instead, InsureMyTrip lets you compare policies from 25 of the industry's best travel insurance companies to select the best coverage for your needs. You can also buy, manage, and cancel your insurance policy through InsureMyTrip.

InsureMyTrip also has a customer service team called Anytime Advocates, which can help you file or facilitate a claim. Having an extra set of eyes on your claim may help you receive a response faster than if you were to take on your travel insurance claims office on your own.

Even if you prefer to purchase an insurance policy directly from your provider, InsureMyTrip is worth a visit solely for their customer reviews. You can read reviews by specific plan and whether a claim was filed. This is a great feature in a travel insurance marketplace, getting honest insight into how well a company works.

When you InsureMyTrip, you'll be able to see all the plans that apply to your travel details and personal information. You can opt to only see the following policy types: 

• Comprehensive
• International Medical
• Medical Evacuation
• Embassy Visa
• Accidental Death

Once you obtain your list of quotes, you can opt to see limits and terms for specific coverages, such as trip cancellation, emergency medical, evacuation, and pre-existing condition coverage . You can also receive quotes on annual travel insurance policies, if you intend to go on more than one trip this year.

Here are some more terms that InsureMyTrip offers with its quotes.

Best Plans Guarantee

First, InsureMyTrip's Best Plans Guarantee ensures that only plans with multiple positive ratings and reviews are shown to its consumers. The company provides a forum to allow past customers to share their experiences with specific providers. The insurance providers get a grace period to collect enough reviews. After the grace period expires, the site's offerings are filtered based on the feedback received, with the highest-rated plans receiving the highest ratings.

In short, you're free to choose your travel insurance, but InsureMyTrip's site prioritizes the companies consistently performing well, making it easier to find travel insurance companies you'll love.

Price Guarantee

All travel insurance is regulated state by state. So as InsureMyTrip points out on its website, offering discounts on these products is illegal. With that in mind, the company promises to show you the lowest prices while remaining legally compliant, meaning you won't find a (legal) lower price anywhere else.

Money Back Guarantee

You can cancel your InsureMyTrip travel insurance plan during your review period and get your money back if you're unhappy. However, there are a few caveats to this one. First, the company clearly states that each cancellation and refund policy differs by the provider, and you'll likely be subject to those terms. In addition, some providers may charge an administrative fee, which is typically not eligible for a refund.

InsureMyTrip Travel Insurance Cost

The cost of travel insurance can vary widely depending on several factors, including the trip destination, trip duration, trip cost, the age of the travelers, the provider, the plan chosen, and any additional coverage options selected.

The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to compare the average cost of travel insurance for your plans is by comparing quotes online.

Purchasing and Managing a Policy With InsureMyTrip

You can get a quote from InsureMyTrip's website by inputting the following information:

• Destination
• Travel Dates
• Citizenship and Residence
• Number of travelers and their ages
• Trip details (taking a flight, cruise, renting a vacation home)

Once you're taken to the quotes page, you can compare policies and sort your search by price, popularity, and rating. 

How to File a Claim with InsureMyTrip

You'll need to work directly with your insurance provider if you have to file a claim. However, InsureMyTrip makes it easy to access the correct contact information and claims forms.

You can find your provider's information by navigating to the "File a Claim" page on InsureMyTrip.com . Then, select your insurance provider and policy from the drop-down menu. Typically, InsureMyTrip will provide each insurer's phone number, emergency contact line, and mailing address. When available, it also lists email addresses and URLs for claims forms.

If you encounter any issues with your provider's claims process, you can email InsureMyTrip's Anytime Advocates at [email protected].

InsureMyTrip Customer Service Experience and Usability

InsureMyTrip received an average rating of 4.3 stars out of five from Google Maps reviews of its headquarters in Rhode Island. Most of the negative reviews of InsureMyTrip talk about a claims issue with their providers, which InsureMyTrip doesn't directly control.

InsureMyTrip regularly responds to negative reviews, offering phone numbers and emails that customers can call for help with their policies. 

How InsureMyTrip Compares

Insuremytrip vs. squaremouth.

Squaremouth is one of the leading travel insurance aggregators, listing policies from 32 companies compared to InsureMyTrip's 25 companies. Squaremouth also lists options online for group travel insurance policies, which InsureMyTrip only quotes for when you call their customer service line.

Both InsureMyTrip and Squaremouth allow you to purchase, manage, and cancel a policy on their platforms. You'll have to file claims directly with your insurer, but both companies offer ways to facilitate customer claims. InsureMyTrip has an Anytime Advocates team, which can help customers with filing claims or facilitate an existing claim. Squaremouth has a Zero Complaint Guarantee, which promises that they'll act as a mediator if a customer feels that a claim was denied unfairly. 

InsureMyTrip vs. VisitorsCoverage

InsureMyTrip's offerings are more comprehensive than VisitorsCoverage's, which offers policies from 15 travel insurance companies.

VisitorsCoverage does a better job summarizing policy terms, offering eligibility details like max trip length and age limits, which InsureMyTrip lacks. It also offers more search filters, allowing travelers to select search options for students studying abroad, business travelers, and U.S. green card holders. That said, VisitorsCoverage does not field customer reviews.

Read our VisistorsCoverage review here.

InsureMyTrip FAQs

Yes, InsureMyTrip offers travel protection insurance from 25 travel insurance companies, with search customizations like medical-only, Schengen Visa insurance, and AD&D insurance.

InsureMyTrip is very user-friendly, streamlining the insurance purchasing process and allowing travelers to compare all plans available for their trip. 

While InsureMyTrip offers some search refinements, they do not offer a filter for adventure sports.

Yes, customer reviews often highlight InsureMyTrip's customer service as helpful and efficient in addressing questions and assisting with policy selection. Negative customer reviews often receive responses from InsureMyTrip's team, which will try to resolve lingering issues.

InsurInsureMyTripMyTrip offers the advantage of comparing multiple insurance plans from different providers in one place, simplifying the process of finding the best coverage for specific travel needs.

Why You Should Trust Us: How We Reviewed InsureMyTrip

When reviewing InsureMyTrip, we looked at its insurance partners and ran comparisons against other broker sites within the industry. We looked at the providers listed on its website, the assurances it offers, and customer reviews.

You can read more about how we rate travel insurance products here .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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05/12/2024 • 10 min

Memorial Day 2024 Travel Guide

Memorial Day marks the start of summer for many, where al fresco dining and seaside adventures await. With the three-day weekend fast approaching, there’s no better time to hit the open road and explore pastures new.

If you’re planning to travel this holiday weekend, you’ll be joining millions of fellow Americans. A 2024 survey conducted by Hertz found that 58% of Americans plan to travel over 50 miles, with the vast majority using cars for transportation.

Whether you’re visiting sun-soaked shores, bustling cities or vast mountains, you’ll want to make your journey as smooth as possible. Buckle up and discover everything you need to know about Memorial Day with our travel guide.

Jump to the section you need:

What Is Memorial Day?

When is memorial day, where to travel for memorial day weekend, best time to travel for memorial day weekend.

Memorial Day Weekend Travel Considerations

What Car To Rent For Memorial Day .

Memorial Day is an American holiday that commemorates the men and women who lost their lives while serving in the U.S military. Formerly known as Decoration Day, it emerged after the Civil War and became an official national holiday in 1971.

During Memorial Day, many Americans visit cemeteries or memorials, participate in parades, and wear red poppies in thoughtful remembrance. However, Memorial Day Weekend also kicks off summer travel plans, picnics, sports events, family gatherings and other cultural events.

For 2024, Memorial Day falls on Monday, May 27th. Since the holiday creates a three-day weekend (from the Saturday before through to Monday), Americans can officially begin Memorial Day travel and activities from Saturday, May 25th.

In years gone by the holiday was observed on May 30th until Congress launched the Uniform Monday Holiday Act in 1968. This established Memorial Day as the last Monday in May. The date varies from year to year, with Memorial Day in 2025 falling on Monday, May 26th.

For some Americans, Memorial Day weekend is a time to travel and return to the relaxed rhythms of summer. For others, it’s a period of action-packed fun and activities.

According to our Hertz survey, around 40% of Americans flock to the beach during the holiday, while 34% travel to big cities. Some 30% opt for small towns, and 27% seek the serenity of the mountains.

Whatever your itinerary, there are a variety of destinations to choose from. Here are a few locations that offer the chance to enjoy the three-day weekend in style.

Popular Memorial Day Travel Destinations

If Memorial Day for you means the biggest events and the brightest lights, you might want to consider one of these more popular options.

Renowned for its cultural attractions, world-famous theme parks, and diverse entertainment offerings, it’s no surprise Orlando is a top Memorial Day travel destination. This fun-filled pocket of Florida transforms into a hub of patriotic fervor and family-friendly fun during the holiday weekend.

Families can visit the Memorial Day Weekend Extravaganza at Sunset Walk, make a splash at the Island H2O Water Park, shop till they drop at Disney Springs, and observe the dazzling Memorial Day fireworks.

For a truly eclectic Memorial Day weekend, travel to Denver . As Colorado’s major metropolis, you’re never short of things to do here – from blockbuster museum exhibitions to festivals and pro sports games.

Journey to Red Rocks Amphitheater for live music amidst the rolling foothills of downtown, or meander through rotating exhibits at Denver Botanic Gardens. Visitors can also enjoy street art, outdoor and patio dining, and craft beer along the Denver Beer Trail.

If you’re looking for a healthy balance of family fun, live music and unforgettable activities this Memorial Day holiday, look no further than Atlanta . Known for its trademark southern generosity, there’s plenty on offer for every type of visitor.

Head to the Stone Mountain Laser Show to honor the American troops, see electrifying performances at the Atlanta Jazz Festival, or enjoy a scenic escape at the shores of Lake Lanier. Don’t forget to visit Georgia State Parks for special Memorial Day Events and activities.

Put yourself right in the heart of history this Memorial Day weekend and travel to Boston . The birthplace of the American Revolution, Boston offers the perfect setting for the holidays, with a wealth of activities and events around every corner.

Witness the Memorial Day Flag Garden at Boston Common, catch the baseball at the iconic Fenway Park, and indulge in outdoor and patio dining along the Boston Harbor. Or step back in time with a self-guided walking tour, with options ranging from the Blak Heritage Trail to the Freedom Trail.

From electrifying nightlife to award-winning cabanas, Las Vegas is the perfect Memorial Day weekend travel destination for young groups and couples. Despite the expansive desert on its doorstep, Las Vegas pulls out all the stops for epic pool experiences and water-based activities.

Visit Lake Mead for jet skiing, boat rides or soaking up some sun. Or cool off at one of many pool parties across the Strip. When the sun sets, hit the clubs and bask in the summer vibes, or enjoy a long lineup of music festivals dominating the city.

Alternative Memorial Day Travel Destinations

While many prefer to follow the crowds for a slice of the action, others might want to set their coordinates for somewhere a little more off the beaten track for a Memorial Day weekend to remember.

As the “Live Music Capital of the World”, you’ll find live music festivals and more Memorial Day fun when you travel to Austin . There’s something for everyone here; from learning the state’s history at the Texas Capitol to kayaking in Zilker Metropolitan Park.

Outdoor activities abound in Austin. Head to Hill Country and tube the spring-fed rivers, explore quiet trails along Lady Bird Lake, and camp among the stars at Mckinney Falls State Park. During the day, satisfy your hunger at one of Austin’s many patio bars and restaurants.

Palm Springs

Palm Springs is the ultimate Memorial Day travel destination offering the perfect blend of sophistication and nature. Spring and summertime bring wildflowers, lilies and poppies to bloom, serving as the perfect backdrop for outdoor activities.

Visit the Palm Springs Air Museum for its annual Memorial Day Flore Drop, hike through Joshua Tree National Park, and wander through the Living Desert Zoo and Gardens. For some downtime, there’s also boutique shopping at the El Paseo Shopping District not far away.

Make the most of your Memorial Day weekend and travel to Charleston . Historic architecture, cobblestone avenues and the landmark Angel Oak make it a pleasant gateway all year round. And with colorful gardens and minimal rain in the summer, it’s a must-visit location during the holidays.

Take a boat tour through the Charleston Harbor and learn about the city’s history, or admire the fauna of Magnolia Plantation and Gardens. If you’re looking to soak up some vitamin D, head to nearby Sulivan’s Island for white sand beaches and watersports.

Often overlooked as a Memorial Day travel destination, Lexington is ideal for families looking to enjoy some outdoor fun. It’s the “Horse Capital of the World”, offering some unique experiences that are usually hard to come by.

Discover the horse racing history at the Keeneland Racecourse, or zipline 185 feet above the Kentucky River Palisades. For more tranquil activities, ride through Kentucky’s rolling Bluegrass hills, spotting and horse farms along the way.

New Orleans

For an unforgettable Memorial Day weekend, travel to New Orleans . The city comes alive during the holidays, with music, magic and mouthwatering Creole cuisine flowing through every courtyard.

Connect with New Orleans history at the National World War II Museum, spot local talent at the Le Petite Theatre, or dine al fresco at the historic French Quarter. Immerse yourself in the city’s rousing Greek Fest along in the Gentilly neighborhood, where you’ll find an endless buffet of traditional Greek cuisine.

With 38.4 million Americans flocking to both local and far-flung destinations for Memorial Day weekend by car, you can expect some company on the road. In fact, the busiest days for rental car pickup are traditionally Thursday, May 23, and Friday, May 24.

It might seem impossible to get around, but we’ve got you covered. Here are the best ways to get organized for Memorial Day travel.

Book a car ahead of time:

Rental car rates are often more expensive the closer you get to the time of renting. Aim to book your rental car at the same time as other parts of your trip – i.e. hotel and flights.

Plan your trip in advance:

Planning your Memorial Day trip well in advance will allow you to get the best possible travel deals. It’ll also give you adequate time to determine the best routes when driving your rental car.

Book outside of high-volume locations:

Airport car rental locations often see a high level of bookings during peak travel times. Consider booking at a neighborhood car rental location if availability is limited.

Travel during off-peak times:

Thursday and Friday are the busiest pickup days for car rental. Plan to leave early on Thursday or Friday morning to avoid any heavy traffic. If you’re traveling during peak travel times, give yourself extra time to reach your destination.

Memorial Day Travel Considerations

Even with your plans sorted, you can’t always account for potential roadblocks. Prepare for the Memorial Day travel rush and make your car journey as smooth as possible with the following considerations.

1. The vast majority of travelers will be driving to their destination

It’s estimated that 37 million travelers drove to their destinations in 2023. If this is repeated in future years, or even increases, it’s inevitably going to mean some congestion on the roads.

If your journey includes metropolitan areas or driving on stretches of America’s busiest highways, aim to leave early in the morning and give yourself extra time to reach your destination.

2. More travelers will plan to rent cars

Car rental bookings are always high in the run-up to Memorial Day weekend with the busiest day always being the Friday, which falls on May 24th in 2024. Around 28% plan to road trip with a car rental this year.

With more people queuing for their rentals, it might take longer to get the keys to your weekend wheels, but you can save time by signing up for a free rewards program like  Hertz Gold Plus Rewards . This will bring you a number of benefits including less time waiting in line and expedited drop-off – meaning more time for you to enjoy the vacation itself.

3. The busiest airports for rental pick-ups are usually LAX, SFO, MCO, ATL and DEN

Are you flying into one of the busiest airports this holiday weekend? Las Vegas (LAS), Boston (BOS), Orlando (MCO), Atlanta (ATL) and Denver (DEN) are generally the top spots for holiday travel. So, if any of these are your destination do plan ahead, give yourself plenty of time, and even prepare for delays or cancellations.

Starting this summer, Hertz customers can get on the road faster by skipping the counter at over 40 airport pickup locations. One week before your rental, check-in on your phone, select your car online and walk directly to the lot for pickup.

4. Gas prices will be higher

Gas prices have been on the rise since last Memorial Day weekend, as you’ll no doubt notice when you go to fill up. Consider going for a fuel-efficient rental car or even a hybrid. We’ve got a wide range of models in our fleet to suit your needs.

What Car To Rent For Memorial Day

Whether you’re seeking seaside serenity or a thriving metropolis, Hertz car rental offers a hassle-free journey. You’ll find a wide range of cars to choose from, but the right rental depends on your Memorial Day travel needs, number of passengers and more.

Mid-Size Sedans

Mid-size  sedans  are perfect for small families and groups looking for extra luggage space. Cars like the Mercedes-Benz C-Class, Cadillac CTS or similar are great options for Memorial Day weekend travel. Space, safety and comfort guaranteed.

Full-Size Sedans

Full-size sedans, like the Jaguar XF or Volvo S90, offer increased cabin space and a separate trunk to store your belongings. Perfect when exploring bustling cities and small towns during Memorial Day. Traveling families and medium-sized groups will enjoy the leg room and extra luggage space.

With all-wheel drive, small and compact  SUVs  are a popular choice for outdoor adventures and unpaved roads. If you’re traveling with a family or group, a small SUV like the Mazda CX5 or Buick Encore can give you ample cargo space, with fuel-efficient options to boot.

Mid-Size SUVs

Mid-size SUVs are robust and versatile, seating up to five people and three suitcases – think Kia Sorento or Nissan Pathfinder. They’re also reliable, taking on any weather or terrain. For long Memorial Day weekend travel plans, consider a mid-size SUV for comfort and confidence.

Explore More

Memorial Day weekend is a staple in the calendar, with plenty of destinations to explore. With strong demand for car rentals across the U.S. for Memorial Day travel, get ahead of the crowd with a Hertz car rental.

Join the  Hertz Gold Plus Rewards  loyalty program to skip the counter at select locations, add products to your profile and save time on Memorial Day travel.

Start planning your 2024 Memorial Day trip

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Your 2024 Credit Card Checklist for Summer Travel

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Checklists are a key step in travel preparation for many people. Passport — check. Phone charger — check. But have you checked to make sure you’re fully utilizing the travel perks offered by your credit card?

Whether you’re a seasoned jetsetter or a novice traveler seeing the world for the first time, benefits from the right credit card can make a trip more convenient and more comfortable. That’s good news for the 50% of Americans who plan to travel more in 2024 than 2023, according to a survey by IPX1031, a Fidelity National Financial Company.

Here’s a credit card checklist to review before you hit the road this summer.

1. Bring a card

First things first — be sure to bring a credit card! Many airlines, and even entire airports, are now cash-free. That means you’ll need a card to pay for that pre-departure drink or in-flight snack. You might even earn bonus rewards.

For example, if restaurants are a bonus category for your card, sit-down establishments within the airport will usually still earn that higher rewards rate. If your card earns a bonus on travel purchases, you'll usually earn that bonus for in-flight purchases.

2. Register for TSA PreCheck, Global Entry or Clear

Airports are more crowded than ever, with air passenger growth up 6% and foreign travel up 24% year over year, according to a study conducted by the U.S. Travel Association and Tourism Economics.

To ease the burden of long lines, check if your card offers a credit that covers the cost of TSA PreCheck , Global Entry or Clear . These programs allow you to speed through the line at security or customs, but since they all require a background check and an in-person interview, you'll need to register well before your trip. Even if you haven’t been verified for this trip, register today to prepare for your next trip.

3. Register for lounge access

Airport lounges offer a reprieve from the hustle and bustle of the airport terminal, with most offering free food and drinks. If your card offers access to Priority Pass lounges, you’ll need to register for that benefit before you hit the road.

Don’t forget your physical membership card, or even easier, download the Priority Pass app and use your phone to access the lounge.

4. Notify your issuer of your travel plans

Few things can create issues like having your card unexpectedly stop working when you’re away from home, especially internationally. With rates of credit card fraud increasing, it’s possible your card could stop working if you’re spending outside of your normal patterns or locations. To preempt this, notify your issuer before you travel. Often you can do this online or through the app, but just in case, be sure to travel with at least two cards .

5. Avoid paying foreign transaction fees

If you’re traveling abroad, make sure you have a card that doesn’t charge foreign transaction fees . If your card does levy those fees, try to get a different card before you leave the country.

6. Pay with your most rewarding card

Be sure to identify opportunities to leverage your trip and earn outsized rewards. For example, if you know you’ll be staying at a Hilton brand hotel, you might consider applying for one of the Hilton credit cards offered by American Express and earn up to 14 Hilton points per dollar you spend at the hotel. Those points can stack up fast and easily defray costs for your future travel.

But you'll need to bring the physical card with you. Many hotels aren't able to accept digital wallet payments, so if you can't swipe your card, you'll miss out on those heightened rewards.

7. Check your card’s money-saving offers

Many issuers have programs, such as AmEx Offers, Chase Offers and BankAmeriDeals from Bank of America, that let you add rotating promotional offers to your card and earn additional points or cash back for making purchases at specific merchants. Be sure to review these offers for any merchants where you might spend during your travels. Just be aware of the fine print — often these offers exclude, or only include, international merchants.

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