nrma travel insurance contact us

NRMA Travel Insurance

Our verdict: nrma has some particularly high benefit limits and offers 5% off if you already have insurance with them..

In this guide

Summary of NRMA International Comprehensive policy

How does nrma travel insurance cover covid-19, what policies does nrma offer, here's a breakdown of nrma travel insurance features, standard features, optional add-ons, how to make an nrma travel insurance claim, here's the bottom line about nrma travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• NRMA covers up to $10,000 of your rental car excess, higher than many other brands.
• NRMA covers up to $45,000 for loss of income. We didn't find another brand that offered more cover in this area.
• There's no option to add higher-risk activities to your policy, such as outdoor rock-climbing, which might rule NRMA out for some travellers.
• NRMA offers limited coverage for expenses related to COVID-19.

Compare other options

Congratulations, NRMA!

NRMA received the highly commended award for 'Travel Insurance - Comprehensive' in the 2023 Product Awards . NRMA also received the highly commended award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards .

Table updated September 2023

NRMA offers some cover in relation to COVID-19, including:

• Appropriate overseas medical, emergency, evacuation or repatriation costs if you're diagnosed with COVID-19.
• Additional expenses if you're diagnosed or admitted to hospital with COVID-19.
• Additional expenses if a relative or your business partner not travelling with you becomes sick as a result of COVID-19.
• Amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19 before you leave.
• Amendment or cancellation costs if your non-travelling relative or business partner becomes sick due to COVID-19.
• Amendment or cancellation costs if you're are an essential health care worker whose leave is revoked due to COVID-19.
• Amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19 on your trip.

There are some scenarios that are not covered by NRMA Travel Insurance, including if your accommodation or tour cancels due to COVID-19 or if you travel knowing you have COVID-19.

NRMA offers six insurance policies to travellers - International Multi-Trip, International Comprehensive, International Essentials, Domestic Multi-Trip, Domestic Comprehensive, and Domestic Cancellation.

International Multi-Trip

International Comprehensive

International Essentials

Domestic Multi-Trip

Domestic Comprehensive

Domestic Cancellation

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that NRMA will cover. These benefits apply across all international policies.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Delayed luggage allowance
• Rental car insurance excess
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Accidental death

NRMA also offers opportunities to tailor your cover to suit your needs. It has a specific Cruise Cover option but otherwise you just have to request a quote for your other needs.

• Cruise cover. Mandatory if you are going on a multi-night cruise, includes extra cover for some cruise-related risks such as cabin confinement and missed ports.
• Medical Conditions and Pregnancy. NRMA may consider covering your pregnancy or pre-existing condition following a health questionnaire.
• Increase luggage item limits. You may be able to increase the item limit by paying an additional premium.
• Motorcycle/moped riding. Extends your insurance policy to cover some motorcycle and moped-related claims, but not personal liability.
• Snow skiing, snowboarding and snowmobiling. If you want your policy to cover you while on the slopes, you'll need to pay an additional premium.

Unfortunately, travel insurance doesn't cover everything. Generally, NRMA will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications before the 24th week of gestation or if you have had previous pregnancy complications
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the NRMA PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can claim online via the NRMA website, following these instructions:

• Describe the incident
• Enter your expenses or losses
• Upload any supporting documents
• Provide your bank details
• Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days. Once you've lodged your claim, NRMA will update you within 10 working days.

You can also phone NRMA on 1300 135 640 between 9am-5pm, Monday to Friday. Or you can fill out a claim form and post it to:

NRMA Travel Insurance c/o Cover-More Claims Department Private Bag 913 North Sydney NSW 2059

NRMA offers particularly high benefit limits, so if you're travelling with expensive items or have a high rental car excess, it could be a good option.

However, any travellers keen to take part in risky or high-adrenaline activities may want to look elsewhere as NRMA doesn't offer an opportunity to add an adventure pack to its policies, whereas many other insurance brands do.

If you're still not sure about NRMA, you can compare other travel insurance companies here .

What type of documentation do I need when making a claim?

NRMA may ask you to provide a range of documents including receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.

Does NRMA cover pre-existing conditions?

NRMA covers a range of pre-existing conditions as standard, including asthma, coeliac disease, and bunions. Some additional conditions are covered with specific conditions, such as not being hospitalised within a certain time period, while others you will need to apply for specific cover and pay an extra premium..

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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Travelling to Bankok Singapore

Thanks for reaching out to Finder.

If you are looking to apply for a travel insurance with NRMA , you may directly visit their website to request a quote or to speak to a representative who can help with your insurance enquiries.

Alternatively, you may compare policies from different brands from our Travel insurance for Singapore page. Simply enter your travel details and press “Get my quote”. Once you have chosen a particular cover, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with your application or get in touch with their representatives for further assistance.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

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If your business has been affected by COVID-19 and you have business interruption cover, talk to us about making a claim on 132 818 .

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• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 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.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for medical-only coverage: GeoBlue Travel Insurance
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most U.S. health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best International Travel Insurance Overall

Allianz travel insurance.

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Best International Travel Insurance for Exotic Trips

World nomads travel insurance.

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

Best International Travel Insurance for Trip Interruption

C&f travel insured.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

Best International Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

Best International Travel Insurance for Family Coverage

Travelex travel insurance.

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review .

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Best International Travel Insurance for Long Trips

Seven corners travel insurance.

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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SquareMouth travel insurance review 2024

Compare dozens of top travel insurance companies in minutes..

Squaremouth is an online travel insurance marketplace that's helped over 3.5 million people buy policies since 2003. It offers dozens of providers, including many of our top picks — like Nationwide , Berkshire Hathaway Travel Insurance and Travel Insured International . We love how simple the platform makes it to compare multiple providers and get details about each. And the unique zero-complaint guarantee means SquareMouth will remove a provider if you have an issue that's not adequately resolved.

Squaremouth Travel Insurance

The best way to estimate your costs is to request a quote

Policy highlights

While not an insurer itself, Squaremouth is a travel insurance marketplace that can help you quickly compare costs and coverage for a travel insurance policy. It offers annual and single trip policies from top providers including Berkshire Hathaway Travel Protection, Tin Leg, Generali and more.

24/7 assistance available

• Allows you to quickly and easily compare dozens of travel insurers
• Coverage from many top travel insurers is included
• Specialty coverage available for cruises and adventure sports
• Doesn't directly offer insurance policies since it's a marketplace

SquareMouth review

Policies offered by squaremouth, squaremouth pros and cons, squaremouth customer satisfaction, how do i buy travel insurance through squaremouth.

Squaremouth provides quotes for several different kinds of policies, including:

Single trip travel insurance

As you might expect, these are short-term policies intended to cover one trip . The coverage is more comprehensive than an annual travel insurance policy, with rates based on a percentage of your costs , typically between 4% and 8%.

Annual travel insurance

If you expect to travel a lot in a year, this policy can simplify things by putting all your coverage in one place. It varies by provider, but multi-trip policies usually cover travel delays, lost luggage and medical expenses.

Cruise travel insurance

The best cruise insurance policies include:

• Travel to and from your port of call
• Coverage at sea
• Trip delays, interruptions or cancellation
• Delayed or lost baggage
• Emergency medical care and evacuation

Adventure and sport travel insurance

Many standard travel insurance policies don't cover high-risk activities like skydiving, skiing and scuba diving. SquareMouth includes providers who offer coverage for extreme sports, adventure travel and more.

Flight insurance

flight insurance can help you recoup costs that aren't reimbursed by your airline, like cancellation due to a family member's death or a job loss. It only covers the flight, however, not accommodations or rental cars,

Group travel insurance

If you're a large family heading to a wedding or coworkers going on a business trip, group travel insurance can be a lot cheaper than buying multiple individual plans.

To qualify for a group policy with Squaremouth, you'll need to have 10 or more U.S. residents all going to the same destination within the same timeframe.

Medical travel insurance

Your health insurance may not cover medical care if you're abroad. A medical travel policy can pay for doctors' visits, hospital stays and even an emergency evacuation if you unexpectedly get sick or injured.

Consider these factors before buying a travel insurance policy through Squaremouth

• Many well-known providers. Squaremouth works with dozens of insurers, many of which are praised for reasonable rates and excellent customer service.
• Simple comparison tool. You can view three quotes in an easy-to-view grid, making it easy to compare price, coverage and customer ratings.
• Zero complaint guarantee. SquareMouth will mediate complaints with your insurer and, if the issue isn't resolved satisfactorily, will remove that provider from its platform.
• No markup. Squaremouth doesn't add fees to the prices of the providers on its platform.
• Slow to respond to complaints . While SquareMouth received a respectable A- from the Better Business Bureau , it cited the length of time it takes to respond to complaints as the reason for not giving it a perfect score.
• No 24/7 customer service. Representatives are available from 8 a.m. to 10 p.m. ET. That can be frustrating if you're traveling in another time zone and need help.
• Promotes its brand in searches. Tin Leg, a provider founded by SquareMouth in 2014, appears at the top of most search results. You can then filter by price, popularity or other categories.

SquareMouth 's zero-complaint guarantee means it advocates for customers if their travel insurance claim is rejected. If the issue isn't resolved satisfactorily, SquareMouth will remove that provider from its platform. The SquareMouth website isn't particularly flashy but it's very easy to navigate and you can get quotes just by providing basic information about yourself and your trip.

You do need to work with the travel insurance company that issued your policy to file a claim or resolve any issues, however. And SquareMouth customer service representatives are only available from 8 a.m. to 10 p.m. ET daily. If you're in a different time zone and need help, you'll have to wait.

In addition, the site received an A- from the Better Business Bureau . That's a very respectable grade but the length of time SquareMouth takes to respond to complaints was cited as the reason it did not receive an A+.

To buy a policy on SquareMouth , you'll want to first get a quote by inputting:

• The ages of all travelers
• Total trip cost
• Travel dates
• Countries being visited

You'll receive sample prices from dozens of companies, which you can filter by price, popularity, most recently purchased and other categories. When you're ready to enroll, you can hit the "buy now" button.

From there, you'll finalize the details about the people on the policy, your destination and dates and then purchase the policy. You'll receive a confirmation email after your purchase.

Shop for a personal loan

Is squaremouth travel insurance legit.

SquareMouth has been an online insurance marketplace since 2003 and it works with many top companies in the industry. It received an A- from the Better Business Bureau.

How much does travel insurance cost?

Travel insurance typically costs between 4% and 8% of your trip's total cost, according to the U.S. Travel Insurance Association . Prices can vary based on your age, destination and the length of your trip.

Does travel insurance get more expensive the closer you get to your departure date?

While it's best to get a policy as soon as possible, the cost won't increase as your departure date nears. You can typically buy a policy up until the day before your trip.

What does travel insurance not cover?

Most travel insurance doesn't cover foreseeable events, like known storms, epidemics or acts of war. Pre-existing conditions and dangerous activities may require special policies to be covered.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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