aig macau travel insurance

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Serving Macau since 1983, we are one of Macau's leading providers of personal and business insurance.

About AIG in Macau

AIG Macau is a branch of AIG Insurance Hong Kong Limited, a general insurance company incorporated in Hong Kong.

Launching of Macau:

AIG Macau became fully operational as of June 1, 2010 in place of the Macau branch of its affiliate company, American Home Assurance Company (AHAC Macau).

Drawing on almost three decades of local experience and AIG's international presence around the world by serving 88 million customers in 130 countries and jurisdictions worldwide, AIG in Macau offers a wide range of insurance products for individuals, families, small businesses and multinationals.  No risk is too small or too big.

To ensure that all customers receive both maximum protection from potential risk and the best value from their investment, we take an integrated approach to risk management and constantly review and update products and services.

Whether the need involves insurance for a home, a car, an office block or a fleet of commercial vehicles,  we are there with the right product at the right price.

Our Regional Presence

AIG Asia Pacific is one of the largest personal and business insurance specialist groups in the region. We are among the leaders in every market in which we operate.

Our network of operating companies reaches across many countries and jurisdictions in the Asia Pacific region, including Australia, China, Guam, Hong Kong, Indonesia, Japan, Macau, Malaysia, New Zealand, Philippines, Papua New Guinea, Saipan, Singapore, Taiwan, Thailand, and Vietnam.

Our clients include many of the region's largest and most respected listed corporations.

AIG is one of the world's leading property-casualty and general insurance organizations. Serving more than 88 million commercial and personal clients in more than 130 countries and jurisdictions, AIG has a 90-year history, one of the industry's most extensive ranges of products and services, and excellent financial strength, AIG enables its commercial and personal insurance clients alike to manage virtually any risk with confidence.

AIG is the marketing name for the worldwide property-casualty and general insurance operations of AIG Inc.

For additional information, please visit our website at  http://www.aig.com .

Message from the President and CEO

AIG has maintained a continuous presence in Greater China since it first opened its doors in Shanghai 90 years ago. Today, we are one of the largest and most financially secure insurance organizations in the world, with more than 40,000 employees worldwide serving more than 88 million individual and business customers in more than 130 countries and jurisdictions.

In Macau we offer businesses and individuals a broad range of high-value general insurance products, all supported by superior AIG service and unmatched claims settlement.

We look forward to serving you in the months and years ahead under the AIG banner.

President and CEO AIG Insurance Hong Kong Limited

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• Effective Date: Start Date

The departure date must be within 365 days starting from today.

*The promotion offer is subject to Terms and Conditions ,  please  click here   for further information.

| Asia |   Australia, Brunei, Cambodia, China, India, Indonesia, Japan, South Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam

| Worldwide |  All destinations excluding :   Cuba, Iran, Syria, North Korea, Crimea Region, Donetsk People’s Republic (DNR) Region or Luhansk People’s Republic (LNR) Region

Latest announcement:    If you have already purchased “ TravelWise”  Insurance Protection Plan, please  click here  for further information.

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

Important Notice:  COVID-19 is a foreseen or known event. For more details, please  click here.

AIG TravelWise Insurance

AIG’s TravelWise travel insurance provides comprehensive protection for your journey and is one of the best travel insurance packages available in Hong Kong.

We cover your medical costs should you have an accident or suffer illness while on holiday worldwide, along with any losses arising from your trip being cancelled or your journey being delayed. AIG also covers loss of your baggage or personal belongings, as well as all other risks related to your travelling experience.  

TravelWise holiday insurance comes with AIG Travel Assistance, our worldwide emergency service which gives you 24/7 access to a dedicated team of multi-lingual staff of doctors, nurses, medical professionals and security personnel, who can respond to your needs in the event of an emergency.

Flexible plans from HK$14.45 only

• Travel delay - 5 hours from stated departure or arrival
• Baggage delay - up to HK$2,000 maximum
• Baggage and personal effects
• Emergency medical expenses
• Personal accident - accident while in a common carrier up to HK$1.2M maximum
• Journey cancellation or interruption
• Loss of income benefits
• Compassionate visit

*All journeys must commence from Hong Kong

*The price is for reference only. You could get a  quote here  real time. # The above information is for reference only. For the full benefit table, please refer to our  TravelWise brochure  or click  Buy Now .

Receive COVID-19 coverage of up to HK$1,200,000

AIG TravelWise insurance is now enhanced with COVID-19 coverage. Get the same existing protection, now with COVID-19 cover including emergency overseas medical expenses, journey cancellation, curtailment and quarantine allowance if you are diagnosed with COVID-19.

As you look to explore the world again, travel safely with TravelWise for greater peace of mind.

Journey cancellation cover if you are diagnosed with COVID-19 prior to departure from Hong Kong

Emergency overseas medical expenses cover, curtailment cover and quarantine allowance if you are diagnosed with COVID-19 while traveling overseas

*This is for reference only and is subject to policy terms and conditions. For the full benefit table, please click  Buy Now .

Check out travel insurance plan with new COVID-19 cover

Click to compare plan coverage and benefits.

• Plan Benefits
• Coverage comparison

COVID-19 Coverage

Optional benefits.

*The above information is for reference only. For the full benefit table, please refer to our  TravelWise brochure  or click  Buy Now .

We are here to support you in case you experience difficult situations during your journey

We understand that things can change quickly, and you might need extra support especially while abroad. 

AIG offers a 24/7 toll-free travel emergency hotline to provide support if you feel unwell, or are banned from boarding your transport or from entering a country due to an emergency health condition.

Please note: Expenses incurred from third-party vendors as well as AIG administrative case fees for assistance services not covered as part of this insurance plan are the responsibility of the Policyholder.

When should I buy the travel insurance?

As soon as you have confirmed your travel route and destination, you should consider purchasing travel insurance. The policy must be purchased before your journey commencement (before you leave an immigration counter in Hong Kong), travel insurance purchased after you departed Hong Kong is considered invalid.

I purchased the annual plan of TravelWise insurance policy, will this policy cover all of my trips in this year?

TravelWise annual plan covers all of your trips during the year while trip must commence from Hong Kong with maximum 90 consecutive days per journey.

If I purchased TravelWise Deluxe single plan, will I be covered if I take hot air balloon ride?

Yes, TravelWise covers all amateur sporting activities.

I felt sick while I was travelling but I did not consult a doctor. I only saw a doctor when I came back to Hong Kong. Am I covered?

Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your TravelWise single plan, we only pay for medical expenses incurred as follow-up treatment in Hong Kong if you have consulted a Legally Registered Medical Practitioner overseas for the same sickness during the insured trip.

Who is eligible to purchase?

Anyone age 70 or below on the commencement date of the policy. A policy may be purchased by an individual or a family for travel overseas for purpose of leisure and/or business, provided the trip is commences from Hong Kong.

Note : We do not cover any travel to Cuba, Iran, Syria, North Korea, the Crimea region, Donetsk People’s Republic (DNR) Region or Luhansk People’s Republic (LNR) Region.

How much premium do I have to pay?

Please press “ Buy Now ” above or refer to our  TravelWise brochure  for premium levels for each plan.

I travelled to Thailand for 4 days and purchased TravelWise single insurance plan. On the last day of the trip, I suffered from fibular fracture which caused me to stay 2 more days in Thailand. Will TravelWise Protection Plan cover my trip?

Yes. Cover will automatically be extended up to a maximum of 10 calendar days without paying any additional premium, in the event the journey is being unavoidably delayed. (e.g: Travel Delay and missed departure sections due to fibular fracture, and insured person can provide medical documentation to prove that he/she is not medically fit to travel)

How and when can I contact AIG Travel (emergency service team)?

You can call our emergency service team 24/7 at (852) 3516-8699

I am heading to an overseas exchange after which I will stay behind for my personal travelling. Can I only buy travel insurance only for my personal travel?

Yes, but you must purchase your Travel Insurance for the whole period (including exchange & leisure travel).

My flight will depart on 11:50pm on 1 Feb evening. When should be my policy inception date?

You must take 1 Feb as the inception date/ departure date of your Travel Insurance, and the protection will commence after the insured person passed the Hong Kong Immigration Department counter.

If I travel to multiple countries within the same trip, do I need to purchase a separate plan for each country?

If you are travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.

I will be travelling to Thailand this weekend, but a tsunami has just hit the tourist spot today. I want to cancel my trip. Am I covered?

If the Security Bureau issued a “Red or Black Alert” within 7 days of your journey departure date or during your journey, AIG shall reimburse you in accordance with the following “Journey Cancellation”, “Journey Curtailment” or “Journey Re-arrangement” coverage.

I originally planned to travel from Edinburgh to London then coming back to Hong Kong by air. Unfortunately the earthquake had halted the air traffic in Scotland. I chose the road transport instead to travel to London in order to catch the flight to Hong Kong. Can I claim the road transport costs?

Yes, we will reimburse you the additional road transport fares since earthquake is a natural disaster which has caused the delay or cancellation of your scheduled flight. Please ensure that you submit to us  the letter from airline to prove the flight delay/ cancellation.

How can I make a claim?

In the event of loss, written notice of claim should be submitted to AIG Hong Kong within thirty (30) days after the occurrence , together with all relevant documents. 

In order to help us to deal with your claims, you should provide all the supporting documents to substantiate your claim. Complete documentation will prevent any delay in your claim assessment as additional time may be required to obtain the requisite information.

Upon receipt of sufficient documents, we will assess your claim accordingly. The result of your claim submission will be sent to you shortly.

For detailed claims procedure, please check travel claims procedure .

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• China Assist Card Hospital List
• TravelWise Policy Wording
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Travel Guard ® Direct

√  Up to $80 in eCapitaVouchers (Single Trip Plan)

√  Luggage & travel data (Annual Multi-Trip Plan)

√  Promo code AIGTGD

√  Promo till 30 June 2024

Make a claim

• Renew Annual Travel
• Make Changes to Your Travel Policy
• Request for Proof of Cover Letter

Current Promotion

June Travel Promotion

Use promo code:  aigtgd for annual multi-trip and single trip plans .

Promotion is valid till 30 June 2024 .  T&Cs apply.

AIG Travel Assistance Services

Get 24/7 travel assistance exclusively to AIG policyholders. We operate globally across 8 service centres, with a team that is proficient in over 40 languages , providing comprehensive support for travel or medical emergencies abroad. 

Top 3 reasons to buy Travel Guard® Direct

QUICK QUOTE

To get a quick quote, select the destination you are travelling to:.

SINGLE TRIP COVERAGE

The maximum length of each insured trip is 182 days.

ANNUAL COVERAGE

The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days

Policy Type

The policy type shows which people are insured under the policy. You can choose from either Individual or Family cover.

If you choose Individual cover this policy insures you only.

If you choose Family cover this policy insures you and/or your spouse and/or your children.

• Under a Per Trip policy, the family must depart from and return to Singapore on the same itinerary together as a family for cover to apply.
• Under an Annual Multi-Trip policy, cover will apply to you or your spouse whilst travelling separately of each other; however your children must be accompanied by you and/or your spouse for the entire trip for cover to apply.

Group/ Couple

Select this option if you have individuals travelling together on the same dates and to the same destination.

For Group/ Couple up to a maximum of 10 individual policies on the same transaction.

Region 2 Destinations

Brunei Darussalam, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Vietnam

Argentina, Bahrain, Bangladesh, Belize, Bolivia, Brazil, Chile, China (excluding Tibet), Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Hong Kong SAR - China, India, Kuwait, Macau SAR - China, Maldives, Mexico, Mongolia, Nicaragua, Oman, Pakistan, Panama, Paraguay, Peru, Qatar, Sri Lanka, Suriname, Taiwan - China, Thailand, United Arab Emirates, Uruguay, Venezuela

Region 3 Destinations

Region 1, Region 2, Australia, Japan, South Korea, New Zealand, Nepal, Tibet - China and the rest of the world.

(Exclude Cuba, Iran, Syria, North Korea or the Crimea region)

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We do not provide Annual Multi Trip for Group

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Key Benefits

Before you buy, travel alerts, testimonials.

      COVID-19 Benefits & FAQ

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( www.AIG.sg  or  www.gia.org.sg  or  www.sdic.org.sg ).

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Learn more about AIG's Travel Guard Direct

• Policy Wording (issued on/after 24 September 2022)
• Policy Wording (issued on/before 23 September 2022)

Enquiries:  6419 3000 24-hour overseas emergency assistance hotline : 6733 2552 Travel claims : 6224 3698

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Travel Insurance Macau

Whether it is for work or leisure, taking a trip to a foreign country is always a new experience! And a country like Macau has a lot to offer in terms of business opportunities, thanks to its open market structure, as well as tourist activities, courtesy of the cultural heritage of the land!

The city is known for its Macanese and Chinese food and Chinese cuisine with hints of Portuguese ingredients. So what are you waiting for if all of this is something you want to be a part of? Get your Macau travel insurance and be on your way. Now, remember, as with any overseas place, the travel to Macau from India can be expensive. However, you can secure your Macau travel from India with a trusty travel policy. Afterall, it is only a good policy that can help you stay safe and keep you protected against a variety of emergencies.

And to ensure that your travel insurance safeguards you to the best of its ability, you can opt for a travel insurance policy from Tata AIG. With our comprehensive Macau travel insurance, you can be better prepared for your Macau trip. And to ensure that travel policy does not add much to your Macau trip cost from India, we offer affordable travel insurance premiums that you can choose from. Even if you’re travelling with your family, you can select a family travel insurance plan and get comprehensive protection for your loved ones on your Macau travel from India.

Key Benefits of Purchasing a Macau Travel Insurance

When on your trip to a foreign country, any kind of emergency can ruin the spirit of the vacation. But facing tough situations becomes much easier if you have some backup and travel insurance is that backup for you. So, whenever you are planning a trip abroad, always remember to get a travel policy:

Some benefits of having travel insurance when you travel to Macau from India are-

• Travel assistance on your trip.
• Coverage for flight hijacking.
• Coverage for baggage loss or delay.
• Personal liability cover in case of third-party damages on your trip.
• $5,00,000 in coverage against accidents, diseases, and COVID-19 care.
• Tata AIG travel insurance Macau plans may be purchased quickly and easily online.
• Buying travel insurance from India to Macau at only ₹45.5 per day.
• In the event of hospitalisation close to the plan's expiration date, your insurance coverage for Macau will be automatically extended for up to 60 days or until discharge, whichever comes first.
• Your travel insurance Macau policy is automatically extended for 7 days upon a flight cancellation or postponement.

Travel Insurance for Macau from India

Macau and Hong Kong successfully combine Western and Eastern cultures. Macau and Hong Kong are known for their western-style schooling, democratic political system, and status as important trading ports. Although the vast majority of the populace in both regions is Chinese, their long periods of colonial governance have produced an independent lifestyle from China.

Each year, many Indian tourists visit Macau and Hong Kong. If you're one of those who get to visit Hong Kong and Macau, make sure you have a travel policy. Many things might go wrong when travelling abroad, and you do not wish to be stranded without insurance. You could get sick or have an accident. You could also lose your luggage sometimes along the way. While vacationing in and around Macau, you might also misplace your passport. And being alone in an unfamiliar area, surrounded by strangers, is bound to make you feel anxious. Our insurance policy will come in handy in such situations! If you are travelling solo for business, you can purchase specialised business travel insurance to ensure your safety while on the road. You might want to be especially careful while travelling with family and get family travel insurance just to be extra safe. You do not want to be caught in a situation where you need help but do not know where to get it from.

Use a travel insurance premium calculator to see what kind of plan fits into your budget and how you can go about getting it. Many factors affect the Macau trip cost from India, and these are the same factors that affect your policy price. Entering the variables into your travel insurance premium calculator may help you estimate how much you need to pay.

Today getting travel insurance is easier than ever before, and you can complete the task in a few minutes with a few clicks of your mouse. So, when you have affordable rates and an easy application process, you should not let anything stop you from getting a travel policy.

Macau Travel Insurance: Why Is It Needed?

To travel is indeed a beautiful experience. We get to do things we have never done before, see things we have never seen before and sometimes even be a different person. Travelling gives a different perspective from the one we may be having as we get a chance to see how different people live, what they do and how they behave. It is a chance to experience true freedom outside the constraints of everyday life. It is a chance to relax and recuperate while also learning much about this world and its myriad of cultures. But to do all of this, we must be free from the stress of things that could go wrong.

To give ourselves the chance to let go and relax, we must secure our trips, especially international trips, with a reliable travel insurance policy. We know that we will be paying a large sum of money for our trip, so we may be constantly worried about things going wrong and have to pay an extra sum of money. This is not a concern we need to have if we use the right travel policy. We know that we will be taken care of and do not have to empty our pockets abroad in case of an emergency.

Another important thing to keep in mind when considering our Macau trip cost from India is healthcare. Healthcare can be really expensive abroad. So we need to be prepared in case we fall ill while in Macau and need assistance. Getting admitted to a hospital and having any procedure done can be expensive as a tourist, and you need to consider this contingency when planning your budget.

The wise thing to do is get health coverage with your travel insurance plan. Here, you end up paying only a little extra for your insurance, and your insurance takes care of the rest should you need medical assistance while in Macau. So, when planning your Macau travel from India, do not forget to get health coverage with your travel insurance.

Tata AIG's Macau Travel Insurance Plan: Benefits Offered

As stated above, you do not want to be caught in a situation while abroad where you need to pay extra or are stuck without any assistance. While going to a foreign land where you do not speak the language, do not make yourself vulnerable to situations where you may be honestly stuck without a way out. Always get travel insurance before leaving for a trip abroad. Also, take a look at the many benefits that Tata AIG offers, and you will no longer doubt why you need to buy travel insurance.

1. Baggage Coverage - If you lose your baggage or it is delayed at the airport, the Tata AIG luggage cover can offer unrivalled help. You can use this service to get a complete refund for all of the things in your checked bags upto the limit mentioned in the policy.

2. Travel Coverage - With Tata AIG Macau travel insurance, you'll have comprehensive protection for your trip to this foreign destination. It will cover you against things like losing your passport, travel delays or cancellations, and hotel cancellations, among other things.

3. Medical Support

The Tata AIG Macau travel insurance policies are intended to provide comprehensive coverage in the event of a sickness or injury while on vacation. This health coverage will compensate your expenses if you become sick or meet with an accident that needs you to be hospitalised. The best news is that you'll be covered for any COVID-19-related medical expenses you incur throughout your trip.

4. Additional Advantages

• Packages for travel insurance in Macau start at ₹45.5 per day.
• Purchase travel insurance in Macau through the Tata AIG portal without a complete medical examination.
• Payment of travel insurance rates is in Rupees and receipt of travel insurance policy in Macau are simple.

5. COVID-19 Cover

Coronavirus continues to be a concern for tourists and inhabitants in several Asian nations, with cases continually being reported. Any hospital stays or medical bills incurred as a result of the coronavirus, including isolation charges, hospitalisation, or non-refundable charges incurred due to the trip getting terminated, will be covered by travel insurance.

Macau Visa for Indians

There is a visa procedure that needs to be followed when you want to visit Macau and depending on the purpose of your visit, you can choose a type of visa that best suits your needs. The visa type and its validity will determine the duration of your stay and your restrictions with regard to your activities in Macau. A Macau visa for Indians has the unique advantage of allowing the individual to register for permission before travelling to the nation. These are the different types of Macau visa for Indians -

• Dependent Visa
• Tourist Visa
• Visa of up to 14 days
• Visa of more than 14 days

Indians who complete their Pre-arrival registration (PAR) online can enter Macau without a visa. The PAR application process is simple and free. If you intend to travel to Macau, you need to apply for a visitor's permit 4 to 6 weeks ahead of time. If you have a valid Indian passport for at least 6 months and intend to travel to Macau for less than 14 days, you can request it online. This PAR registration is effective for 6 months, and you can enter Macau as many times as you like as long as each visit is fewer than 14 days. Also, there are no India to Macau travel restrictions you need to worry about when getting your permit.

Travel to Macau from India: Documents Required

You cannot go to Macau if you do not have the following documents in place;

• A properly completed application form
• The latest image of the applicant must be attached to the application.
• A photocopy of the applicant's passport is required.
• A duplicate of the passenger's confirmation of financial circumstances, such as financial records, bank account passbooks, income tax receipts, or an employment document.
• Proof of the tour itinerary and hotel reservations.
• Proof of visit (receipt/itinerary for package tours).
• a photocopy of the sponsor's ID card (for a visa for more than 14 days).
• a copy of the sponsor's passport page with their photo (for a visa for more than 14 days)

The Indian Embassy in Macau

Unfortunately, there is no Indian Embassy in Macau, but if you ever find yourself in a situation where you need help, and your travel insurance is not enough to take care of your needs, you can always reach out to the Indian Embassy in Hong Kong. Remember, there are no India to Macau travel restrictions, so you should have no problems, but still, here is the contact information of the Indian Embassy in Hong Kong.

Macau Trip: Safety and Travel Tips

Some safety tips to keep in mind while travelling to Macau are-

• Keep your passport safe at all times.
• Avoid becoming involved in any local protests.
• Get to a safe area or shelter if you find yourself in the neighbourhood of any significant local gatherings or protests.
• Always keep up with local news and alter your vacation plans accordingly.
• Observe the local government's and officials' rules and regulations.
• Avoid engaging in any illegal actions and respect the integrity of public spaces.
• Travelling to unknown or isolated areas without adequate information is not recommended. Seek assistance from the local government.
• Always use legitimate and legal modes of transportation.
• Keep track of your visa status in Macau, and ensure you don't overstay your welcome.
• Safeguard your valuables and luggage, particularly in congested areas and tourist attractions.
• To provide enough financial assistance throughout your journey, choose the ideal Macau travel insurance plan.

Safety Recommendations for COVID-19

Keeping the ongoing pandemic in mind, there are several recommendations you must keep in mind to ensure your safety and that of others.

• When outside in a crowded place, use a non-surgical mask to shield your mouth and nose.
• Keep your social distance.
• When travelling, wash your hands frequently and use hand sanitiser.
• Maintain a healthy lifestyle, remain hydrated, and watch for COVID-19 signs. Self-isolate and get yourself tested as quickly as possible if you have any symptoms.
• Observe all local COVID-19 recommendations in collaboration with the local government making it possible for them to make Macau safe and secure.
• You can easily use your travel insurance to seek financial assistance if you experience COVID-19 indications or need emergency medical attention.

Major International Airports in Macau

Macau has one airport called the Macau International Airport.

Currency and Foreign Exchange

Macau has a currency of its own different from the one used in Mainland China and Hong Kong. The currency is called the Macau Pataca (MOP). You can check the conversion rate from INR to the Macau Pataca here.

https://www.xe.com/currencyconverter/convert/?Amount=1&From=INR&To=MOP

As with all international travel, it is always recommended that you carry some cash in the currency of the country you are visiting. There may always be some stores or counters that accept only cash, and you do not want to be caught in an awkward situation if you do not have some at hand.

A Few Must-Visit Places When in Macau

Macau is a true paradise for people who take time out to visit it and has something for everyone. Here are some places you must not leave Macau without visiting.

1.The Venetian - The Venetian, a Vegas-style hotel themed after Venice, is among Macau's more sophisticated tourist destinations and features one of the biggest casinos in the world. Known for its ultra-luxurious settings, exquisite décor, and lavish amenities, the resort is inspired by Venice, with its canals, limestone bridges, cobblestone alleys, and an artificial clear sky ceiling.

2. Macau Tower - The moment you step through the glass-fronted lifts you will be soaring to a breathtaking 223 metres above ground level in under 60 seconds. You can watch the landscape of Macau as you rise. When at the Macau Tower, enjoy a coffee or some delectable treats and take in the spectacular 360° sights from the Observation Room on floor 58!

3. Fisherman’s Wharf - Fisherman's Wharf is an exciting amusement park with themes dedicated to different port cities, including Amsterdam, Miami, Lisbon, Cape Town and Venice. The park comprises numerous shopping centres, eateries and several vibrant casinos and bustling pubs.

4. Ruins of St. Paul - Macau's most historically significant monument is the Ruins of St. Paul, which is situated within Senado Square. Many people visit this UNESCO World Heritage Site daily, which illustrates the experiences of a bygone era of Portuguese persecution.

5. Nam Van Lake - The effect created by 288 brightly coloured spotlights, controlled by computers and twirling over pristine water jets at this lake is undeniably beautiful. The famed Macau Tower can be seen from Nam Van Lake. When Macau organises a fireworks festival, Nam Van Lake is a great place to watch the show.

Best Time to Visit Macau

Macau is best if you visit between October and December. The dry and wet seasons in Hong Kong and Macau are distinct. So, if you really want to enjoy your trip to Macau, visit the country between the end of summer and the beginning of winter.

All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location.

*Subject to change based on the nature and extent of the coverage.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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1. can i get travel insurance for macau for someone over 60 years of age.

Yes, you can get travel insurance plans for all people regardless of their age. But remember, the premium costs and some features may change depending on this.

2. Do I need to have COVID coverage on my insurance?

Yes, most places require tourists to have a travel insurance plan with Covid coverage to ensure that they are taken care of in case of contraction.

3. What is a personal liability cover in travel insurance?

If you are involved in an accident where another individual suffers personal harm or injuries, the personal liability feature covers these damages to the third-party. However, this feature or cover will not cover your travel companion or family members as it is meant for third-party liabilities.If you are involved in an accident where another individual suffers personal harm or injuries, the personal liability feature covers these damages to the third-party. However, this feature or cover will not cover your travel companion or family members as it is meant for third-party liabilities.

4. Do I receive reimbursement in case my flight is cancelled?

Yes, you receive flight cancellation insurance as part of your comprehensive travel insurance plan from Tata AIG.

5. How do I seek help while abroad if I am diagnosed with COVID-19?

For America's policies, you can call us at +1-833-440-1575 (Toll-free within the US and Canada) or write to us at [email protected]

For other policies, you can either call us at +91 – 022 68227600 (Call back facility available) or write to us at [email protected]

6. How does the trip cancellation cover my travel insurance work?

The trip cancellation feature in your travel insurance will protect you against financial losses in case an emergency causes you to cancel your trip and all the reservations and return to India. The losses covered include your unused travel and accommodation expenses that are non-refundable.

7. How do I calculate my Macau trip cost from India?

The amount of money you need to travel from Macau to India should include all the travelling expenses, including your flight tickets, visa costs (if the trip extends beyond 30 days), transportation by private vehicle or public transport, accommodation expenses and other costs depending on your itinerary. The cost of your trip will depend on the nature and duration of your trip and can differ from person to person.

Other Destinations

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

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

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

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.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Introduction to Faye Travel Insurance

• Types of Policies Offered
• How to Purchase and Manage Your Policy

Faye Customer Service and Support

Compare faye travel insurance.

• Why You Should Trust Us

Faye 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.

At its core, Faye Travel Insurance is the first fin-tech startup providing a modern take on travel insurance. Our Faye travel insurance review finds the company prides itself on offering a fully digital experience. This digital push means its consumers can buy a policy, submit claims, and receive payouts seamlessly through a mobile app.

Faye puts your travel insurance options in the palm of your hand. However, everyone's travel insurance needs differ. Online access is only one of the things travelers look for. So it's essential to read the fine print before you pay for the best travel insurance for your needs. Here's a closer look at what you need to know before buying a Faye travel insurance plan.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Customers love the product and claims process
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy online quoting process
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Add-ons including pet care, rental car coverage, and cancel for any reason
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy debit cards for claims payment on your trip
• con icon Two crossed lines that form an 'X'. Only available to US citizens
• con icon Two crossed lines that form an 'X'. May be harder for non-tech savvy travelers
• con icon Two crossed lines that form an 'X'. Younger travelers can find cheaper travel insurance elsewhere

Faye is a fairly new competitor in the travel insurance industry, operating since 2019. It offers one base travel insurance policy with quite a few additional coverage options, such as pet care expenses, vacation rental damage protection, and adventure sports protection. You'll manage your policy, file claims, and communicate with customer service and travel assistance through Faye's mobile app. 

Faye's "whole trip" travel insurance policy covers all the fundamentals with fairly high coverage limits. That said, its premiums are on the high side. It has particularly high rates for younger travelers relative to its competitors, which is a shame, since its tech-focused approach to travel insurance seems geared towards younger travelers.

Types of Policies Offered by Faye Travel Insurance 

Faye starts with one base plan, boasting that it provides "whole trip" travel insurance to protect "your trip, your health, and your stuff." It also offers riders to customize your coverage for a fee.

Here's what's included in the base plan:

Additional coverage options from Faye

In addition to the base plan, Faye offers a robust selection of riders or supplemental policies buyers can add to the plan for an additional cost. The riders are the same in the U.S. and abroad.

These include:

• Adventure and extreme sports protection: up to $250,000 (international trips) or $50,000 (domestic trips) for accident and sickness expenses. Users should read the policy to ensure their plans qualify.
• Vacation rental damage protection: applicable for short-term rentals like Airbnb and VRBO or other rentals. Faye will reimburse you up to $3,000
• Cancel for Any Reason: up to 75% of the nonrefundable insured trip cost when purchased within 14 days of initial trip deposit
• Pet Plan Bundle: up to $2,500 for vet expenses and $250 for kenneling if your trip is extended unexpectedly
• Rental car care (for cars renting within the U.S. and Canada only): up to $50K in coverage for accidental damage by collision, vandalism, natural disaster or theft related to your rental car

Always check your other insurance policies if you're looking for specific coverage types not included in this list. You might be surprised at the coverage automatically available to you. For example, U.S. auto insurance will extend to rental cars in the U.S. You can talk to your auto insurance company about any international travel.

Additionally, some credit cards offer travel protections , which are generally along the lines of basic travel cancellation insurance. If you have a travel credit card, it may be worth double-checking the protections that the credit card provides. You can find our guide on the best travel credit cards here.

Faye Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Faye travel insurance coverage costs.

• 23-year-old from Illinois taking a week-long, $3,000 trip to Italy: $162.18
• 30-year-old from California on a two-week vacation to Japan for $4,000 trip: $173.17
• Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000: $919.70
• 65-year-old New Jersey couple traveling to for Mexico for two weeks for $6,000: $436.52

With these estimates, Faye isn't the cheapest travel insurance policy . However, these costs are roughly in line with what you should expect to pay for an average travel insurance policy. 

How to Purchase and Manage a Faye Policy

To purchase a Faye policy, you'll need to give them the following details about your trip:

• Destination
• Travel dates
• Number of travelers, their birthdays, and email addresses
• State of residence

Once you get your quote, you can input your trip cost as well as purchase any riders you qualify for. 

How to File a Claim with Faye

The easiest way to submit a claim with Faye is through its mobile app. The app has a 24/7 chat feature to ensure you get the assistance you need as quickly as possible.

You can also contact Faye via phone or email. Domestic travelers should call +1-833-240-7056, while international travelers should dial +1-804-482-2122. If you wish to contact the company via email, [email protected] is the best address.

Notably, one thing that sets Faye's claims process apart from other travel insurance providers is that any payouts you receive will be deposited directly into your Faye Wallet. The Faye Wallet works similarly to an Apple Pay account, allowing Faye's team to process claims faster. You can immediately access the money to pay for things like dog kenneling, replacing everyday toiletries and clothes, and more.

Customer reviews report that a claim might take a while to process on their own but calling Faye's customer support line can expedite the claims process.

Although Faye is relatively new in the travel insurance industry, it's built an excellent reputation among its customers. It has an average rating of 4.7 stars out of five on its Trustpilot page. Reviewers spoke highly of the buying process and customer service team. The claims process received mixed reviews, with some extended wait times, but reviews on the claims process were still positive overall. 

Faye's mobile apps on Android and iOS play a significant role in your coverage, allowing you to manage your policy, file claims, and communicate with Faye's customer service team. Faye's Android app received 4.0 stars on the Google Play store, and its iOS app received 4.2 stars. 

In addition to positive reviews, it's also worth mentioning that Faye regularly responds to reviews on Trustpilot as well as its mobile app. That said, contacting customer service directly is still the most reliable way to get assistance, as review response times from Faye range from same-day to two weeks from when the review was made.

Learn more about how Faye Travel Insurance compares to some of the best travel insurance companies.

Faye vs. AIG Travel Insurance

While both Faye  and AIG offer apps for travel insurance customers, AIG's app is currently only available to those with corporate bookings. In short, vacationers lack access to the app. Faye, on the other hand, has apps for both IOS and Android users.

Faye may be the way to go if you're more comfortable navigating the insurance process on your phone or don't plan to take a computer. Still, AIG may provide more options if you want more control over your claim limits.

AIG offers three levels of comprehensive travel insurance with varying limits. The company also has annual travel insurance plans, which may be a good fit if you plan to go on multiple trips this year. Overall, premiums are similar between the two companies.

Read our AIG Travel Insurance review here.

Faye vs. Allianz Travel Insurance

One of Faye's main benefits is that it offers a large selection of add-on options that allow you to tailor your coverage to fit your needs. These include riders like a pet policy or an adventure sports rider.

At this time, Allianz only offers supplemental rental car insurance policies in addition to its comprehensive insurance plans.

However, Allianz may present a more straightforward and comprehensive option if you're not in the market for hyper-specialized coverage. Both companies include emergency medical transportation and costs in base plans. Overall, Allianz is typically the more affordable option between the two.

Read our Allianz Travel Insurance review here.

Faye vs. World Nomads Travel Insurance

On the whole, Faye and World Nomads travel insurance are relatively similar. Both offer comprehensive insurance plans, coverage for extreme sports, and 24/7 claims assistance. However, it's the finer details that set the two companies apart.

For its part, Faye's most significant selling point is its mobile app and quick transfer of funds to its card. It also has the option to add on those tailored additional coverage riders, such as its pet plan bundle, cancel for any reason coverage, and vacation rental damage protection.

In contrast, World Nomads has two comprehensive plans, which means you can select your claim limits. Plus, the company allows you to extend your coverage if you stay away from home longer than you'd planned.

World Nomads premiums may also be more competitive depending on where you're going.

Read our World Nomads Travel Insurance review here.

Faye Travel Insurance FAQs

Yes, Faye offers travel insurance for international trips, making it suitable for international travel, but it's always important to check specific destination coverage in the policy terms.

Yes, Faye offers an adventure and extreme sports protection rider, though it will significantly increase the cost of your travel insurance policy.

Faye handles COVID-19 like any other illness when it comes to trip cancellations and medical emergencies.

Faye's claims process is reportedly simple, with no paperwork required. Reports of claim wait times vary, but getting in touch with customer service is a reliable way to expedite the process.

Faye stands out for its digital approach to travel insurance with its mobile apps for iOS and Android.

Why You Should Trust Us: How We Reviewed Faye Travel Insurance

While reviewing Faye, we compared its offerings to other reputable travel insurance providers. Specifically, we compared the available plan options, add-ons, claim limits, coverages, exclusions, and typical policy costs.

Choosing the best policy for you and your co-travelers is about finding a policy with the right type of coverage and sufficient claim limits. Of course, price is a significant factor for many consumers. But specialty riders for daredevils and other details help consumers make the right decision. As such, we take all that into account.

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

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