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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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The Definitive Guide to Single Trip Travel Insurance

The single trip travel insurance guide.

There are currently well over 500 different single trip travel insurance policies to choose from. Selecting the right policy can seem a little overwhelming, so you will be glad to know that we have reviewed every one for you, ranking them by cover, sums insured and premium.

This review guide will help you understand what to look out for when picking single trip travel insurance and how to choose the right policy for you and your family.

The Single Trip Travel Insurance Market

What is a single trip travel insurance, what does single trip travel insurance cover.

• When should I buy single trip travel insurance

Can you take out single trip travel insurance after leaving?

Why get single trip insurance, who is a single trip travel insurance policy for, how much does single trip travel insurance cost, what affects the price of single trip travel insurance, what are the benefits of single trip travel insurance, what are the drawbacks of single trip travel cover, what are the exclusions under single trip holiday insurance, what extras can i include under a single trip travel.

• Tips when comparing single trip travel insurance.

Despite the current economic climate and the looming results of Brexit, there has been a steady increase in the number of visits abroad, which have risen by 31% since 2010, a trend which has been forecast to continue.

78% of all trips abroad were to Europe, with Spain being the most popular European destination (26% of all trips). North America (including Canada) was the second most visited destination with 6.5% of all UK overseas visits being made to the region. The number of flights leaving UK airspace has also increased from 46 million in 2013 to 61.7 million in 2017.

Short breaks and city trips, particularly to European destinations is a rising trend aided by budget airlines and an avalanche of online providers offering cheaper last minute deals. Trips typically last no more than four nights. This has led to a change in holiday habits, indicating that consumers are taking a greater number of shorter overseas breaks rather than one long annual holiday.

The benefit of a single trip policy is that you are only paying for the specific time you are away.

As mentioned above single trip travel insurance covers a wide range of unknown situations, such as:-

• Cancellation/Curtailment/Abandonment - The need to cancel, curtail or abandon your trip, as a result of death, bodily injury, illness, redundancy, foreign office directive, natural disaster or catastrophe.
• Emergency Medical Expenses – The cost of medical treatment and associated expenses (such as repatriation) required as a result of an illness or injury caused whilst you are abroad.
• Baggage Cover – The loss, theft, or accidental damage to your luggage, personal possessions or money.
• Missed Departure – additional expenses to assist you in reaching your destination if you have missed your original departure.
• Delayed Departure – Compensation if your flight is delayed for 12 hours or more.
• Delayed Baggage – The cost of essential items if your baggage has been lost or delayed.
• Personal Accident – Financial compensation disability or death as a result of an accident.
• Personal Liability – Protection if you injure a third part or damage their property.
• Legal Expenses – Should you need to sue for compensation.
• Hijack/Mugging – Compensation should you be hijacked or mugged whilst abroad.

When should I buy single trip travel insurance?

Your single trip policy should be purchased the moment you book your holiday or trip. Even if you are not planning to travel for several months, the moment that you take out a policy, you will be covered for cancellation of your trip.

For example: -

You or a relative become sick or have an accident and are unable to go on the trip.

You might have been made redundant and can't afford to go on the trip and you didn't know about the redundancy when you booked.

You could be forced to cancel your holiday due to bereavement.

Despite the need to book insurance immediately after you have reserved your trip, it is estimated that 35% of consumers actually take out travel insurance 0-1 days before they leave. Whilst no-one wants to cancel their trip abroad, at least insuring early will mean the Insurer will refund some or all of the travel costs.

Yes . If you have already left and forgotten travel insurance, there are several companies who will still provide cover. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim.

Obviously, the Insurer would not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them, or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim.

We have listed a few examples of companies who offer this service.

• True Traveller
• Globelink Travel Insurance
• Alpha Travel Insurance

To prevent fraud, there is normally no cover in the first 48 hours after you’ve taken out a policy, except where you suffer an injury as a result of an accident.

Whilst the last twelve months has seen an increase in the sale of single trip travel insurance, it is estimated that anywhere between 1 million to 3 million travellers didn't bother to take out a policy before they left for their trip abroad. Those customers who didn't take out cover cited the cost, poor past experience, or ignorance as the main reasons for not insuring themselves.

Travel Insurance has never been more competitive. A single trip policy covering a few days away can be purchased for just a few pounds. There is no good reason for you to travel abroad without Insurance. It doesn't make any financial sense NOT to take out travel insurance.

If you are planning a trip, even if it is only to Europe for a few days, you shouldn't just rely on the European Health Insurance Card . A serious injury may still leave you with a large medical and repatriation bill, having your luggage stolen or having to cancel the trip altogether, can leave you thousands of pounds out of pocket. For the cost of a round of drinks, you can travel knowing you are fully protected, should the unthinkable happen.

Most single trip policies can be taken out by an individual. Many policies offer a discount for couples (who live together) and families consisting of a single or two parents and up to eight children. In many cases children can travel free of charge

Asda Travel Insurance will include children at no extra cost under their family policy

Insurewithease.com will cover children for free under all their single trip policies

Some single trip policies will allow groups of individuals (who are not necessarily related) to cover themselves under the same policy (as long as they are travelling together and to the same destination). The majority of these will cover up to ten individuals and offer a discount.

A few companies will cover more than ten individuals such as TopdogTravelInsurance.com

Most policies require you to insure for a minimum of three days with a maximum period of 12 months (some companies will cover you up to 24 months), useful if you are planning to travel around the world for a year, or need to spend a few months with relatives. (There are specialist backpacker policies for longer term travel, but the cover isn't usually as comprehensive).

What you’ll pay for travel insurance is affected by a number of individual factors, such as:

Your age - In general the younger you are the cheaper your insurance is going to be. However some Insurers charge more for the under 25's, so it's important to compare costs. Price increase steadily until you hit your 60's when there is a huge step up in cost, in some cases by as much as 100%.

For travellers over the age of 75 the choice becomes less and the premium even higher. There are several companies who have no age limit on single trip travel insurance such as Holidaysafe.com , and Allclear Travel Insurance , who also specialise in travel insurance with Medical Conditions.

The level of cover - Like other companies, we rate travel insurance policies on a scale of 1 - 5, (with 5 being the highest rating) but unlike other companies, we take a much stricter approach to our award structure. We believe a 5 star policy should be just that, a policy that has the most comprehensive and highest levels of cover, combined with the lowest excess.

Of course these policies come with a higher price tag, but you can still find five star rated policies that are extremely competitive. For Example Holidaysafe's five star rated Premier Plus policy costs only £39.23 for a two week vacation anywhere in the world.

Four star policies are still worth considering but may not have the absolute highest levels of cover. The cheapest four star rated policy based on the same duration and destination as the example above is through Explorer Travel Insurance and their four star rated Platinum policy costing £28.37 .

If you don't need the highest levels of cover, three star policies are an option. Cover tends to meet the industry averages, but may be missing features like gadget cover, or end supplier failure and the excess may be higher.

You need to pay more attention and compare policies carefully if you are choosing a three star policy, to make sure your requirements are still met, but there are some great bargains to be had. Using the same criteria as above, Alpha Travel Insurance provides the cheapest option in respect of their three star rated Alpha 50 ST policy costing £22.61 .

One and two star policies are for those who only require the bare minimum cover for example just medical expenses and aren't worried about cancellation, baggage cover, missed or delayed departure. The advantage is that premiums are extremely cheap. If you are one of those people that hasn't in the past bothered with travel insurance, you should at the very least opt for a one or two star rated policy that covers emergency medical expenses, like CheaperTravelInsurance's bronze policy .

The type of holiday - two weeks sunbathing by the pool is going to cost less than two weeks skiing. Any holiday which includes adventurous activities such as skiing, scuba diving, mountain climbing, or trekking will cost you more and in most cases will be a paid option in addition to the standard premium.

Your Destination - Trips are normally split into three or four (sometimes five) regions. Trips to Europe France Germany etc. will be the cheapest. Taking advantage of the European Health Insurance card means that medical bills are lower for the Insurer.

Some Insurers charge a higher premium to include Balearic countries (Mallorca for example), as they tend to operate a higher level of private healthcare which costs more.

Some Insurers use a different rating structure if you are visiting either Australia or New Zealand. Whilst medical costs tend to be higher than European countries, there are reciprocal healthcare arrangements in place between the UK and these countries, known as MEDICARE and the medical cost to the Insurer is reduced.

The last two regions are the rest of the world excluding the USA and Canada and worldwide including the USA and Canada. In general terms, the further you travel the more expensive the policy will be. The cost of medical treatment in the USA and Canada, whilst excellent, is notoriously expensive and naturally premiums charged reflect this.

The duration of your holiday - Simply put, the longer you are abroad, the higher the cost of travel insurance.

Medical Conditions – if you have a pre-existing medical condition, chances are your premium will be higher. However there are some good travel insurers, who specialise in travel insurance with Medical conditions such as All Clear Travel Insurance . Don’t be tempted not to disclose any conditions, as failure to declare a pre-existing medical condition could invalidate your insurance. Read our guide on the rules of taking medicine abroad .

• You only pay for the exact time you will be away.
• The cover you choose will be tailored to that specific trip. For example if you have recently purchased an expensive laptop, you can make sure it’s specified. You can also make sure specific activities are covered which may not be the case with annual travel insurance .
• Most annual policies have a single trip limit of 31 days. If you are travelling abroad for a longer period, a single trip policy would be the only option.
• If you are only planning to go abroad once per year, a single trip policy should be cheaper than an annual one.
• It may be more expensive to purchase single trip policies if you are planning more than one trip per year.
• Every time you take a trip abroad, you would have to spend additional time re-comparing quotes and cover.
• You must remember to take out a single trip policy every time you book a trip abroad.
• Prices for travel insurance could increase over the course of a year, whereas with an annual policy you have already paid the premium for twelve months cover.
• Loss or theft of, or damage to baggage, including valuables, gadgets and money if they are left unattended at any time (including a vehicle, or whilst in the care of a carrier), unless they were locked in a safe or left in your locked accommodation.
• Loss or damage caused by your baggage being delayed confiscated or detained by customers or any other authority.
• Losing or not having the correct documents (passport, visa, inoculation certificate, travel tickets) that you need to travel.
• Travelling to a country or specific area, which has been advised against by the Foreign and Commonwealth office, or World Health Organization.
• Travelling, to take part in a professional sport, or professional entertaining.
• Changing your plans, returning home or cancelling a trip, because you no longer want to travel, didn’t enjoy the holiday or simply changed your mind.
• Placing yourself in unnecessary danger, for example jumping or diving from a pier, wall, bridge or rock, including tomb stoning, or shore diving.
• Climbing on top of or jumping from a vehicle. Climbing or jumping from a building or balcony.
• Drinking too much alcohol, or taking drugs.
• Claiming for costs that were paid for using any airline mileage reward scheme.
• Claiming for illness caused as a result of a pre-existing medical condition, which you didn’t declare when taking out the insurance.
• Planning an adventure holiday which includes an activity such as skiing , scuba diving, white water rafting or mountaineering and you haven’t told the Insurer.

In addition to the standard cover, you are in many cases, able to extend a policy to include further activities such as Golf or Cruise holidays , and the additional costs associated with a wedding abroad.

Travel Insurance may also be extended to cover business trips , including business equipment and car hire excess. For those who plan to trek or mountaineer, cover can be extended to include the cost of search and rescue.

Tips when comparing single trip travel insurance

You should think about the type of trip you are taking (business, relaxing holiday, weekend break, adventure holiday), the overall cost, how much luggage you are taking with you.

Emergency Medical Treatment - The vast majority of policies cover £10 Million and upwards, but you should go for at least £5 Million.

Cancellation – Make sure that the maximum exceeds the total cost of your holiday, including hotel or villa, flights, or cost of travel and pre-paid excursions.

Baggage – Add up the total cost of personal possessions that you will take with you on your trip and make sure this is under the policy limit. Also pay attention to the single article limit, the valuables limit, and the limit for gadgets like laptops, mobile phones etc. Make sure you are not carrying more than you are insured for.

Money and Cash – Check the policies inner cash limit. Don’t carry more cash than the limit allows, because if it is stolen or you are mugged, you won’t be insured.

Legal Expenses – It is always good to know that you have any legal costs covered, so go for a policy that includes it as standard.

Personal Liability – Accidents happen and sometimes caused by you, so choose a policy that includes at least £1 Million, preferably £2 Million of Personal Liability cover.

Activities – Think about the activities you plan to do whilst on your trip and check the policy to ensure they are either automatically included (even common activities like swimming or snorkelling) or that you have paid the correct additional premium to include them.

Excess – Some policies don’t charge any excess, but if you can stand to take a small hit in the event of a claim, then premiums can be reduced if you elect a large voluntary excess.

Finally if you are using a comparison website, don’t just settle for the cheapest, because the protection offered may not be enough to cover your holiday. Carry out your research carefully. If you want an unbiased opinion use our free travel insurance comparison and rating tool to help you narrow down your search.

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7 Best Cheap Travel Insurance Companies in May 2024

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

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

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

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

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

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

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

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

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

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

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

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

Reliable but cheap travel insurance providers

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

Why we picked it:

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

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

Among the lowest prices we found.

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

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

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

Includes a preexisting medical condition waiver.

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

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

3. IMG (iTravelInsured Lite plan: $77)

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

Covers costs related to trip interruption up to 125% 

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

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

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

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

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

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

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

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

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

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

6. Seven Corners (Basic plan: $75)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

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

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• Single trip travel insurance | Is it the right insurance for you?

Single trip travel insurance

Compare single trip travel insurance policies and find the best deal on travel insurance with our comparison tables

Do I need single trip travel insurance?

Single trip travel insurance covers you for one trip with a specified start and end date. It may be a cheaper option than annual travel insurance (also known as multi trip travel insurance) if you don't take many trips during the year.

A single trip policy may also be useful if you are doing an activity, or visiting a country, insurers consider high risk, as you will only be paying the premium for the time you are taking that additional risk.

If you plan to go abroad several times a year for normal activity holidays, you may find that annual travel insurance offers better value.

Compare travel insurance quotes

Search for annual or single trip travel insurance with Uswitch and theIdol.com*

What are the advantages of single trip travel insurance?

If you will only have one holiday this year then a single trip policy is likely to be the best solution. If you travel more frequently, or at short notice, an annual policy may offer greater flexibility.

You need to add up all the trips you plan to go on, and compare quotes for annual insurance to your single trip insurance quotes. Check the small print of your policy that all the countries you hope to visit and all the activities you intend to undertake are covered.

Compared to a multi trip, or annual policy, single trip travel insurance can be:

Cheaper - if you don't plan to go anywhere else in the next year.

More specific - if the nature of your trip and your journeys vary considerably with specific requirements such as, risky sports or more risky destinations, getting annual travel insurance may get too expensive. One trip to Africa and another trip to go skiing might not be covered under the same policy, for example.

However, there may be disadvantages. For example an annual policy may be more convenient if you want to suddenly decide to take a last-minute deal, or while on holiday, fancy crossing the border to another country, trying a new ‘dangerous’ activity, or staying a few days longer and extending your trip.

What should a single trip policy cover?

Single trip policies can cover illness and injury, holiday cancellation, loss of baggage, theft, emergency repatriation, public liability and personal accidents.

You should get access to a 24-hour emergency line to call in the event of an emergency, or to make a claim as soon as possible.

Most policies (38 of our 40) will now cover fully-vaccinated travellers for Covid risks - getting it, having to isolate, cancelling, being hospitalised while on holiday, curtailing your holiday and being repatriated. If you have not been vaccinated against Covid, then all Covid claims will be excluded.

It’s easy to see the exact Covid wording for each policy when you generate a list of quotes.

How much does single trip travel insurance cost?

Travel insurance for a single trip can cost just a few pounds. But if you're considering the cost of a policy, you need to  make sure that it covers all eventualities .

Make sure you aren't losing out on cover in important areas if you opt for a cheaper policy. Often policies which come as part of a credit card perks package, or travel insurance associated with your flight or travel package don't offer enough cover for emergencies.

The cost of travel insurance can vary greatly depending on many factors, including:

Where you are travelling

Whether you want single, joint or family cover

Pre-existing medical conditions

Cover limits

Extra cover for sports and activities

Using a price comparison site will make it easier for you to select your preferences and compare prices from lots of insurers, without having to fill in your details again and again.

One trip travel insurance

Single trip travel insurance is sometimes known as one trip travel insurance. When you're comparing costs and insurance policies, bear in mind that the best single trip travel insurance may not be the cheapest.

It's possible to buy single trip travel insurance for a single person, a couple travelling together, or family travel insurance for a single trip or destination.

If you're looking for worldwide trip cover, which involves onward travel, one way travel, or trip with no return leg to the journey, then you may need to use a specialist travel insurer.

You can use our single trip travel insurance comparison tool to find the best single trip travel insurance policy for you, and compare prices and find the best travel insurance rates.

When to buy travel insurance

While you might only remember to buy travel insurance when you're packing your suitcase, ideally you should take out cover as soon as you've booked.

Good quality travel insurance policies will cover you for cancellation, and if you take out your policy as soon as you've booked, you'll be covered straight away. You may find that you cannot cancel for Covid for the first 48 hours - to stop people who found they had Covid from buying insurance and immediately claiming cancellation costs.

If you wait until nearer to your holiday and then have to cancel, you won't be covered if your policy isn't in place yet.

For more information about travel insurance, check out our guide based on  frequently asked questions .

How to choose a single trip travel insurance policy

If you've decided you need a single trip policy instead of annual cover, you should also look out for these factors when choosing your cover:

Do you need worldwide or European cover?

How many days' travel will you be covered for in total?

Does the policy include baggage cover, and is the limit high enough?

What’s the single article limit for valuables and gadgets?

Do you already have cover for your belongings away from home with your home insurance?

Is your cash covered for loss or theft?

Is the cancellation cover limit high enough to cover the cost of the booking?

Have you declared any pre-existing medical conditions? (If you don’t declare any illnesses that you have, your claim could be rejected.)

Are there any exclusions?

Can you afford to pay the excess if you need to claim?

Are you covered for any planned activities, such as skiing and scuba diving?

If you have a pre-existing condition, you can still get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) also access to a directory of insurance brokers willing to cover customers with pre-existing medical conditions.

You can contact the  Money and Pensions Service (MaPS)  or you can telephone 0800 138 7777.

*To help you compare travel insurance policies and find the right cover for your requirements, Uswitch has selected  theIdol.com  to provide you with quotes. Quotations are provided by  theIdol.com  on a non-advised basis. This means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs.  theIdol.com  is a trading name of Investment Discounts Online Ltd and is registered in England and Wales, registration number 04231834. Registered address One Coleman Street, London, EC2R 5AA. Authorised and regulated by the Financial Conduct Authority, registration number 197451. Investment Discounts On-Line Ltd is part of the Legal & General Group. This can be confirmed at  http://www.fca.org.uk/ . View  theIdol.com 's  Our Services Document ,  Privacy policy  and  Terms & Conditions .

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• Annual travel insurance | Is multi-trip travel insurance for you?
• What does travel insurance really cover?
• Travel Insurance FAQs | Guide to Travel Insurance

Introduction to Nationwide Travel Insurance

• Coverage Options
• How to Purchase and Manage Your Policy

Nationwide Customer Reviews and Claims Experience

Compare nationwide travel insurance.

• Why You Should Trust Us

Nationwide 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.

Nationwide Travel Insurance has been around close to 100 years after being founded in 1926. The Ohio-based company has many different products in the insurance and finance space, including coverage for trips. Nationwide Travel Insurance policies are available for single or multiple trips and can cover cruise trips too.

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide Travel Insurance is one of the leading names in insurance across various areas of coverage including life, auto, and travel insurance. Nationwide Travel Insurance's coverage is also as comprehensive as it is varied. It tops our list of the best travel insurance companies and best cruise travel insurance , also ranking among the best cheap travel insurance companies for the value it provides. With single trip, multi trip, and cruise-specific policies along with an abundance of riders, there's a good chance Nationwide Travel Insurance will have the coverage you're looking for.  That said, Nationwide Travel Insurance lacks some of the niche coverage that other companies can provide. For example, Nationwide Travel Insurance doesn't insure trips over 31-days long. Its annual travel insurance only applies to trips 30 days or under. Additionally, Nationwide Travel Insurance lacks specific adventure sports coverage. Ultimately, Nationwide Travel Insurance is the company to beat. If you're shopping for something a little more specific, use Nationwide Travel Insurance's quotes as your baseline as you search for something more tailored to your trip. 

Coverage Options from Nationwide

The travel insurance policies offered by Nationwide Travel Insurance are available to consumers and are divided up by the type of trip: single trip, multiple trips, or cruise coverage.

Single-trip travel insurance policies

Nationwide Travel Insurance offers two single-trip travel insurance policies: the Essential plan and the Prime plan.

As the name suggests, Nationwide Travel Insurance Essential travel insurance covers the basics. It offers some protection should anything happen ahead of your trip or while you're on your trip.

The Prime plan takes your coverage to the next level, with higher coverage limits and the option to add on the coveted cancel for any reason (CFAR) coverage at an extra cost.

Both plans include trip cancellation or interruption coverage in the event of terrorism in your destination city, travel assistance from Nationwide Travel Insurance at no additional charge, and refunds with a 10-day review period (except in Washington and New York). Note that for baggage and personal effects coverage, there is a $500 combined maximum limit for valuable items (see your policy's terms and conditions for details on what's considered valuable). It also covers damaged or lost sports equipment.

Here's how the two plans stack up in terms of coverage limits. For trip delay coverage, you'll be eligible for reimbursement for delays of six hours or more.

Annual and multi-trip travel insurance policies

If you're looking for travel insurance coverage for more than one trip and want to cover your partner and children, the Travel Pro Plan may be an affordable option. It's important to note that this policy only covers events after departure, not pre-departure events. This policy could be as low as $59 as of the time of writing.

The Travel Plus Plan is another multi-trip policy from Nationwide Travel Insurance that has flexible term limits for trip interruption and cancellation coverage, up to $10,000. This covers the gaps from the Travel Pro Plan, which only covers post-departure events. So if you needed to cancel the trip due to a covered illness or other reason, this is the plan for you.

If you want to increase the level of benefits for your after departure coverage, the Travel Pro Deluxe Plan does just that. It builds on the Travel Pro Plan, hence the name, and includes higher coverage limits for just $20 more.

All plans include the same travel assistance from Nationwide Travel Insurance that's included with the single-trip policies. Here's how the multiple-trip plans compare:

Cruise coverage

Nationwide Travel Insurance offers three cruise travel insurance plans.

If you're going on a short cruise or going for the first time, the Universal Cruise Plan may be a good starting point if you want added protection and to recoup nonrefundable costs. Just make sure that you qualify based on your state, as cruise coverage isn't available in all states.

If you're going on a longer cruise and want added coverage to protect your trip, the Choice Cruise plan is an option to consider. And if you're looking for the most benefits and go on many cruises, the Luxury Cruise plan offers the most coverage options.

All three policies can be refunded with a 10-day review period, except in Washington and New York.

Here's a comparison of the coverage you'll get with Nationwide Travel Insurance's three different cruise travel insurance policies:

Additional coverage options from Nationwide

Nationwide Travel Insurance has a number of additional coverage options that can add more protection to your policy but also add to the cost as well. These include:

• Financial default coverage , in the event your travel supplier ends up in default or bankruptcy. This is available with the Essential and Prime single-trip policies.
• Pre-existing condition waiver, which may offer coverage for pre-existing illnesses or diseases if certain conditions are met. This is available with the Essential and Prime single-trip policies.
• Accidental death and dismemberment, which can have limits of $5,000, $10,000, $25,000 or $50,000 depending on the plan. This is available with the Essential and Prime single-trip policies.
• Accidental death for flights only, which can have limits of $100,000, $250,000, or $500,000. This is available with the Essential and Prime single-trip policies.
• Rental car collision or loss coverage, in the event something happens to your rental car, you can add on this coverage for up to $25,000 or $35,000 depending on the plan.This is available with the Essential and Prime single-trip policies (except in Texas or New York).
• Cancel for any reason (CFAR) , which must be added to a policy and is available through the single-trip Prime Plan, the Choice Cruise Plan, and the Luxury Cruise Plan.

Nationwide 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 Nationwide Travel Insurance Insurance 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 Nationwide Travel Insurance coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• Essential: $89.55
• Prime: $129.19

Premiums for Nationwide Travel Insurance Insurance plans are between 3% and 4.3% of the trip's cost, well within the average cost of travel insurance.

Nationwide Travel Insurance insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Essential: $113.01
• Prime: $160.47

Once again, premiums for Nationwide Travel Insurance plans are between 2.8% and 4% of the trip's cost, within and below the expected range of travel insurance costs.

A 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:

• Essential: $571.62
• Prime: $801.94

Nationwide Travel Insurance plans cost between 2.8% and 4% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Essential: $248.56
• Prime: $352.44

Premiums for Nationwide Travel Insurance plans are between 4.1% and 5.9%, which is well the average cost for travel insurance. While its certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies tend to quote for older travelers. 

Nationwide Annual Travel Insurance Cost

Quotes from Nationwide Travel Insurance's annual travel insurance plans don't actually change based on age or state. You'll get a base quote of $69, which will vary based on how much trip cancellation coverage you'd like to purchase. Prices range from $155 to $729

You can also select a Pro Delux upgrade, which will cost an additional $20.

How to Purchase and Manage Your Nationwide Policy

To purchase a Nationwide Travel Insurance travel insurance policy, you first need to obtain a quote from Nationwide Travel Insurance's website. You should be prepared to provide the following:

• Destination
• Departure date
• Return date
• State of Residence
• Total trip cost
• Initial trip payment date

When you select a plan, be sure to also take a moment and scroll through the optional add-ons, such as rental car coverage. 

How to File a Claim with Nationwide

If you purchased travel insurance through Nationwide Travel Insurance and need to file a claim, you can contact a Nationwide Travel Insurance representative. You have seven days from the start of the issue that caused loss to notify Nationwide Travel Insurance of your claim.

Claims through Nationwide Travel Insurance are handled by Co-ordinated Benefit Plans, LLC. You can use its claims portal or call a representative, based on your type of policy.

Single trip policy phone number: 888-490-7606

Annual plan policy phone number: 866-281-1017

Cruise policy phone number : 866-281-0334

Rather reach out via email? You can contact Nationwide Travel Insurance via [email protected] .

If you need to send documents via mail, the mailing address is:

Co-ordinated Benefit Plans, LLC

On Behalf of Nationwide Mutual Insurance

Company and Affiliated Companies

P.O. Box 26222 Tampa, FL 33623

Nationwide Travel Insurance refrains from promising a specific response time frame. However, customers have reported waiting several weeks before hearing any updates.

Since Nationwide Travel Insurance offers such a wide breadth of insurance types, it's difficult to separate its travel-specific customer reviews from reviews on its other products. It received an average of 1.16 stars out of five across over 340 reviews on its BBB page, though most customers are writing about experiences with Nationwide Travel Insurance's auto and health insurance.

On SquareMouth, a travel insurance-specific aggregator, Nationwide Travel Insurance has an average of 4.01 stars across 570 reviews. Reviewers reported unresponsive a claims team and long wait times. Additionally, while insurance companies often engage directly with customer reviews on SquareMouth, Nationwide Travel Insurance doesn't respond to customer reviews.

Learn more about how Nationwide Travel Insurance Travel Insurance compares against the competition. 

Nationwide Travel Insurance vs. Allianz Travel Insurance

Much like Nationwide Travel Insurance, Allianz Travel Insurance insurance offers many different types of insurance coverage. While the company may be most well known for auto insurance, it offers travel insurance as well and has eight options. Allianz Travel Insurance, a major player in the travel insurance space, has 10 options listed.

Allianz Travel Insurance may offer higher coverage limits for the policies offered and have a streamlined process for filing a claim online. Where Nationwide Travel Insurance wins out is the fact that you can add cancel for any reason (CFAR) for an added cost, whereas CFAR coverage isn't available when purchasing an online policy via Allianz Travel Insurance.

Read our Allianz Travel Insurance review here.

Nationwide Travel Insurance vs. John Hancock Travel Insurance

John Hancock Travel Insurance  is similar to Nationwide Travel Insurance in that it provides a wide range of insurance offerings and financial services. One of those offerings is travel insurance. John Hancock travel insurance offers travel insurance through Bronze, Silver, and Gold policies.

When comparing policies, the budget option may be slightly more affordable with Nationwide Travel Insurance. However, mid-tier and higher coverage options may be more affordable with John Hancock travel insurance. It depends on your policy, trip details, and age. One good thing is that you can add cancel for any reason (CFAR) coverage under all John Hancock travel insurance plan options.

Read our John Hancock Travel Insurance review here.

Nationwide vs. credit card travel coverage

Rewards credit cards come chock full of benefits for cardholders, some of which they might be unaware of. One such perk can be travel interruption or cancellation coverage as well as rental car coverage. Credit cards may have sufficient coverage for quick trips. However, if you want the peace of mind of having solid medical coverage or higher limits, going the traditional travel insurance route may be a better fit.

For frequent travelers, credit card travel protection may be appealing as the coverage is constant. If you're looking for a comparable travel insurance plan with more comprehensive coverage, some companies offer annual travel insurance.

You can find our guide on the best credit cards with travel insurance  here.

Nationwide Travel Insurance Frequently Asked Questions

Nationwide Travel Insurance's travel insurance offers very comprehensive coverage, including trip cancellation, interruption, medical emergencies, and baggage loss.

Yes, Nationwide Travel Insurance allows the purchase of travel insurance up to a day before your departure. It doesn't offer plans for trips already in progress.

Nationwide Travel Insurance covers COVID-19 like any other illness, covering trip cancellations with proof of a positive test and covering emergency medical expenses. 

Nationwide Travel Insurance single trip plans cover pre-existing conditions as long as you purchase the Essential plan within 10 days of your trip deposit and the Prime plan within 21 days of your trip deposit. The annual plan doesn't cover pre-existing conditions, with a 60-day look-back period. 

Nationwide Travel Insurance is known for its reliable customer service, wide range of coverage options, and the ability to tailor policies with various add-ons, setting them apart from many competitors.

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

For our review of Nationwide Travel Insurance, we looked at the leading travel insurance providers and compared the amount of options provided, coverage limits, cost, customer service options, and flexibility.

Nationwide Travel Insurance is a top contender for cruise-related travel insurance policies and stands out for having cancel for any reason (CFAR) coverage, though it's not available with every policy and comes with an extra cost. To find the best travel insurance policy for you, review various providers and compare quotes before buying a policy.

Read more about how Business Insider rates travel insurance companies here.

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

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

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