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TIC Travel Insurance

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About TIC Travel Insurance

Travel Insurance Consultants (TIC) was established in 1988 as a wholly owned Santam specialist business and has since become the largest travel insurance company in South Africa.

They offer a wide range of travel insurance products to cater to the individual needs of leisure, senior, business, youth, and corporate travellers. These products include comprehensive coverage options, flexible policies, and 24-hour emergency assistance.

Where is TIC today?

Today, TIC continues to be a leading provider of travel insurance locally, with a large distribution network of travel agents, brokers, banks, medical schemes, and affinity groups.

The company offers a range of innovative products and services to ensure that customers are well-protected while travelling, including access to safe blood provided by the Blood Care Foundation.

TIC's commitment to customer service and satisfaction has earned the company a reputation for reliability and trustworthiness in the travel insurance industry. With its extensive experience and expertise, TIC is well-positioned to meet the evolving needs of travellers in South Africa and beyond.

How TIC's customer service sets them apart

TIC is committed to providing excellent customer service and support to all its clients. The company has a team of highly trained and experienced professionals who are dedicated to helping customers with their travel insurance needs.

Its customer service team is available 24/7 to assist you with any questions or concerns you may have regarding your policies or claims.

Its customer service levels are reflected in its high customer satisfaction ratings, which attest to the company's commitment to putting customers first.

Its customer-centric approach is evident in its product offerings, which are designed to cater to your individual needs. TIC's user-friendly website and online platform make it easy for you to purchase and manage your policies, file claims, and access customer support.

TIC is a division of insurance giant Santam

At Travel Insurance Consultants (TIC), they know that life is all about adventure and exploration, which is why they specialise in providing travel insurance policies to protect you while you're out there living your best life.

As a division of Santam, a respected and trusted financial services provider, TIC has the support and backing of an industry leader to ensure that you receive high-quality coverage and support when you need it most.

TIC Travel Insurance Services

Travel Insurance Consultants (TIC) provides a comprehensive range of travel insurance products to meet the needs of all types of travellers.

From comprehensive coverage for leisure travellers to specialised policies for business and corporate travellers, TIC offers a range of products designed to protect you and your loved ones while travelling.

The different travel insurance policies from TIC

• Leisure Comprehensive: Comprehensive coverage for individual leisure travellers, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, lost or stolen luggage, travel delay, and legal assistance.
• Leisure Standard: Standard coverage for individual leisure travellers, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Senior: Travel insurance policies designed specifically for travellers over the age of 60, with coverage for medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Business: Specialized coverage for individual business travellers, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Annual Declaration: Annual coverage for frequent travellers, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Youth: Specialized coverage for travellers under the age of 30, with coverage for medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Local: Coverage for travel within South Africa, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Emigration: Coverage for travellers who are emigrating from South Africa, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.
• Incoming: Coverage for non-South African residents travelling to SA, including medical and related expenses, evacuation, cancellation, curtailment, personal liability, personal accident, and lost or stolen luggage.

Travel Insurance Consultants offers a range of high-quality travel insurance products that are specifically designed to meet the needs of different types of travellers and age groups.

Their products are categorised into different travel types and age groups, making it easy for you to choose the policy that suits your specific needs.

TIC Travel Insurance – Travel insurance

• Product Travel Insurance
• Comprehensive Plans A comprehensive range of travel insurance products tailored to your needs, including leisure, senior, business, youth, and corporate.
• 24/7 Assistance They prioritise excellent customer service and support, with a team of highly trained professionals available 24/7 to assist you with your travel insurance needs.
• Quality Cover TIC has the support and backing of industry leader Santam, which provides you with the assurance that you’re receiving high-quality coverage and support from a reputable company.

Benefits of TIC Travel Insurance

• Their policies offer comprehensive coverage for various travel-related risks. Whether it's medical expenses, evacuation, cancellation, lost luggage, or personal liability, you can travel with peace of mind knowing that you’re protected against unforeseen circumstances.
• Flexible policies that cater to your individual needs. With options such as leisure comprehensive, business travel, senior, and youth policies, you can customise your coverage based on your specific travel requirements.
• Free 24-hour emergency assistance anywhere in the world.
• A simple application process through their website makes it convenient for you to obtain travel insurance. Their claims process is straightforward, with a 24-hour emergency assistance helpline and claims consultants who aim to settle valid claims quickly.

A tailored insurance package for your needs

Whether you’re travelling for leisure or business purposes, locally or abroad, TIC has a product that can provide you with comprehensive cover for a wide range of emergencies.

They also have specific products for youth and senior travellers, as well as a group product for 10 or more travellers. 

The simple application process: whenever and wherever

• Visit the TIC website and select the "Get a quote or buy" option.
• Enter your travel details such as your destination, travel dates, and the number of people travelling.
• Select the type of cover that you need, such as Leisure Comprehensive or Business Travel.
• Enter your personal details such as your name, contact information, and payment information.
• Review the policy information and make any necessary adjustments to your cover.
• Accept the terms and conditions of the policy.
• Submit your application and wait for confirmation of your policy via email.

Alternatively, you can also apply for travel insurance through their network of travel agents, brokers, banks, medical schemes, and affinity groups.

Simply provide your details and requirements to your chosen agent or broker and they’ll assist you in finding the appropriate policy and completing the application process.

Claiming is just as easy as applying

To make a claim, simply call TIC's 24-hour emergency assistance helpline, which is available worldwide. A claims consultant will guide you through the process and provide you with the necessary documentation to support your claim.

TIC aims to settle valid claims as quickly as possible, and they will keep you updated on the progress of your claim throughout the process.

TIC Travel Insurance Contact

Contact number.

• 011 521 4000
• (011) 521 4413
• [email protected]
• http://www.tic.co.za/

Physical Address

• 52 Corlett Dr, Illovo Johannesburg Gauteng 2194 South Africa
• Get Directions

Postal Address

• PO Box 3337, Cramerview, 2060, South Africa

Opening Hours

• Monday 08:00 – 17:00
• Tuesday 08:00 – 17:00
• Wednesday 08:00 – 17:00
• Thursday 08:00 – 17:00
• Friday 08:00 – 17:00
• Saturday – Closed
• Sunday – Closed

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We use cookies to personalise content, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. You consent to our cookies if you continue to use our website.

Travel insurance

Holidays should be a time to relax, not worry.

Holidays should be a time for relaxation, not for worrying about getting stranded or having to pay for expensive medical treatment abroad. The last thing you need is to be burdened with financial losses arising from a medical emergency, trip cancellation or delays and lost luggage while traveling. Travel Insurance Consultants (TIC) is the largest travel insurer in Southern Africa, with a market share exceeding 50%, offering comprehensive insurance solutions for local and international travel.

The extra mile for you

Experience and expertise.

We have over 30 years of experience and offer a wide range of tailor-made products that make us the preferred travel insurance provider for Southern African travellers.

There for you 24/7

We offer worldwide 24/7 emergency assistance. Ensuring that, wherever you are in the world, whatever time it is, you’re never alone when you need medical assistance.

Travel insurance for a wide range of events

We also cover repatriation and evacuation, accidental death or disablement, personal liability, hijack hostage and wrongful arrest incidents.

Why you need travel insurance

You may be thinking, “I don’t need extra travel insurance. I have free cover through my credit card.” But, the fact is that most complimentary insurance products only provide a limited amount of cover for medical expenses and losses such as damaged or lost luggage. With the declining rand value, the cost of medical treatment and evacuation for an overseas medical emergency can bankrupt you. That’s why it’s important to ensure you have comprehensive cover.

TIC offers a wide range of products to cater for all travel requirements

Range of products:.

Leisure comprehensive

Leisure standard

Annual declaration

Group travel cover

Cover for expatriates

Global medical health plans

Our products include important benefits such as:

Medical and related expenses and assistance services

Cancellation

Curtailment

Personal liability

Personal accident

Lost or stolen luggage

Travel delay

Legal assistance

Get a quote today

You’re just a few short questions away from getting an obligation free quote for your travel insurance needs.

All you need to know about travel insurance and more

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Help and FAQ's

General enquiries.

Tel: 0860 100 484

Tel: 011 521 4002

Claims and emergencies

E-mail: [email protected]

Web: www.tic.co.za

How soon before my trip should I buy travel insurance?

Do i have to start and finish my trip in my country of residence, i am going overseas for over a year. will tic cover me, will tic cover local domestic travel.

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Travel Insurance Consultants

• Multiple insurance options
• Efficient online services
• Medical emergency assistance

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• Travel Insurance Consultants travel insurance product
• Travel Insurance Consultants contact details

About Travel Insurance Consultants

Travel Insurance Consultants (TIC) specializes in protecting travelers with travel cover which is specially designed with your travel requirements at heart.

An accredited member of ASATA

As an accredited member of ASATA, TIC remains in line with the regulatory requirements needed for the travel industry. For over 25 years, TIC has remained one of the leading travel insurance brands across the country.

World-class travel management companies throughout the country rely on TIC to provide travel insurance for their clients, as well as businesses in other industries which require business travel insurance and personal travellers on a country broad spectrum.

TIC cater to all travellers

Be it in-country or internationally, they have an option that covers every risk and aspect of your travel needs from the minute you step off the plane. TIC is located in all major towns throughout the country and Africa, with an experienced team and a passion for helping clients, they deliver exceptional services to travellers everywhere.

Travel Insurance Consultants Services

Travel Insurance Consultants (TIC) provide solutions that are over and above the normal benefits.

They mainly specialize in travel insurance and focus purely on establishing the best possible solutions for their clients.

Travel insurance you can trust

TIC clients can get travel insurance cover for luggage theft or loss of luggage, assistance in emergencies such as evaluation due to country unrest, or severe weather conditions. They also have medical emergency assistance. When you travel to a foreign country, you never know if you could react to bad food or get involved in an accident, get sick, or experience anything else that may need treatment from a medical facility.

Local and overseas Travel insurance

TIC also offers products suitable for leisure travel. This is purely customized for those going on holiday and where no business is entailed. Business travel cover options are more specified, especially if you are going to be doing heavy manual labour and if you are under the age of 69. You can qualify for a comprehensive local travel insurance plan if you are a traveler that is younger than 69.

Travel Insurance Consultants – Travel Insurance

• Product Travel Insurance
• All online You can get your quote and buy your cover completely online with no paperwork
• Comprehensive cover TIC offers comprehensive cover. You can cover personal and business travel. You can also get cover whether you are a student or senior.

Benefits of Travel Insurance Consultants

• TIC App - with the TIC app you can contact the emergency hot line 24hours a day. You can submit your claim and see all of your policies in one place.
• Submit your claim on the app or online. Simply put in your policy number and contact details to be sent to the correct department. You can lodge your claim while you are still traveling but you must log the claim by at least 30 days of your return.  
• Inbound travelers can also buy cover when coming to SA 

TIC - Travel insurance that just keeps getting better

Travel Insurance Consultants (TIC) will provide clients access to travel insurance with a difference, just with a few clicks of your mouse.

TIC provides innovative online tools, developed especially for the simplicity and efficiency of their service delivery. By browsing TIC’s website, you can access all the information you need and you can even get an online insurance quote . You can read up on the benefits available and complete the online application forms available on the site.

Super-fast application process

Forms can be emailed directly to the TIC consultant team, and processed immediately; to make sure they get your insurance in place before your trip. TIC will give you a quote, and if you accept, your cover will be put in place immediately.

How to pay for your cover

Payment for your travel insurance cover of choice can be paid directly to TIC via credit cards for online applications. TIC does advise that travelers obtain their travel insurance a few days at least before travelling.

Your travel insurance can be bought up to 12 months before your trip. Bearing in mind, should you require a visa, you may need a bit of lead time, and purchase your travel insurance at least 6 weeks before travelling. Embassies usually require a letter from your /travel insurer when applying for your visa.

Travel insurance if you are younger than 28

Another bonus feature TIC offer is for youths under 28 years old, travelling overseas, who can receive insurance cover for up to two years. When travelling to high-risk areas of unrest, TIC also provides medical and emergency cover, as well as emergency evacuation services if the need should arise.

How to claim with TIC

TIC has a 24-hour emergency helpline for you to call whenever you need to submit a claim. TIC will access your situation and act accordingly.

Claims must be submitted within a 60-day time frame once you arrive back from your trip. All the required documentation needed when claiming is specified on the TIC website. Should you have any questions or queries in regards to their travel insurance options, don’t hesitate to contact TIC's experienced team of travel insurance experts.

Customer Reviews & Testimonials

They are always ready to help no matter the hour, very reliable and also cheap with their prices.

Jaco. H — Kensington —

If it wasn’t for them, I would have had some major problems as I got Malaria on my trip to upper Africa and needed urgent medical care. Thank you, Travel Insurance Consultants you saved my life.

Blessing. G — Krugersdorp —

Their cover is most comprehensive at a reasonable price too. They offer amazing customer service and have fast turnaround times whenever you need to claim.

Sarie. N — Edenvale —

Travel Insurance Consultants Contact

Contact number.

• 011 521 4000
• (011) 521 4413
• [email protected]
• http://www.tic.co.za/

Physical Address

• 52 Corlett Dr, Illovo, Johannesburg Gauteng 2194 South Africa
• Get Directions

Postal Address

• PO Box 3337, Cramerview, 2060, South Africa

Opening Hours

• Monday 08:00 – 17:00
• Tuesday 08:00 – 17:00
• Wednesday 08:00 – 17:00
• Thursday 08:00 – 17:00
• Friday 08:00 – 17:00
• Saturday – Closed
• Sunday – Closed

This website uses cookies

We use cookies to personalise content, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. You consent to our cookies if you continue to use our website.

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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 Guide to Single Trip Travel Insurance

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Table of Contents

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Click  here  for our travel alert about the Israel – Gaza conflict.

Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Covid-19 Benefits Available for One-Trip Domestic and International Policies (Standard and Top). Find out more here

Cheap Travel Insurance | Canstar Award Winner | Tick Insurance

If you’ve got a lot to organise before your trip, you can tick one thing off your list right now – and that’s travel insurance!

At Tick Travel Insurance, covering your holiday is a no-brainer. It’s fast, comprehensive, and best of all – it won’t cost you heaps of cash.

We’ve made the Tick Travel Insurance process as simple as possible so that you can get cover instantly and be ready for your holiday.

Why Buy With Tick Travel Insurance?

Your Benefits

¹ We offer 3 tiers of domestic policies (Basic, Budget, Standard and Top) to suit every budget. Our policies provide the cover you need, without the extras that you don’t, to make finding the right policy easy.

*Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.