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Find the Best Travel Insurance & Avoid Costly Surprises

• 22 Top-Rated Providers
• Side-by-Side Comparison
• 3 Million+ Travelers Insured

Standard Single Trip Policies

• The most popular and comprehensive travel insurance plan
• Covers cancellations, medical emergencies, delays, and luggage
• Protection from the time you purchase to the date you return

Annual / Multi Trip Policies

• Cost-effective option for travelers taking multiple trips a year
• Includes common medical, delay, and luggage benefits
• May require add-ons from trip cancellation or interruption

Cruise Insurance Policies

• Offers comprehensive trip protection on land and at sea
• Includes high travel medical insurance coverage limits
• Protects against hurricanes, inclement weather, and more

Adventure & Sports Policies

• Essential for travelers partaking in high-risk activities
• Provides protection for lost or delayed sports equipment
• Strong coverage for cancellations and medical emergencies

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Whether you’re heading abroad or staying local, we make it easy to find the best travel insurance plan for your next adventure. No bias. No hidden fees. Just the best trip protection quotes from the country’s leading providers.

Tell us some basic information about your next trip. We’ll use these details to help narrow your search and show the plans that best fit your needs.

Easily see how plans from the best travel insurance providers compete on cost and coverage. Use filters and sort results to uncover the right plan for you.

Get peace of mind at the lowest possible price. We partner with leading providers to offer you the best policies at the best value, guaranteed.

Why Trust Squaremouth?

When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

That's why we're here – over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance plans and protect their trip expenses.

Our industry-leading comparison platform , enriched by customer reviews, displays unbiased results based on your specific trip details. If you run into any trouble, our multi-award-winning customer service team is just a phone call away.

• Helped more than 3 million travelers
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• Multi award-winning customer service team
• 140,000+ customer reviews

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We've helped more than 3 million travelers find the best policy for their trip.

Key Travel Insurance Benefits

Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

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Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

10 Ways to Get Great Coverage For Less

When it comes to travel insurance, more expensive does not necessarily mean better. We uncover 10 proven tactics you can use during your search to lower premiums without sacrificing protection.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

What Does Travel Insurance Cover?

Comprehensive travel insurance coverage is designed to protect against common disruptions that may impact a trip. Most travel insurance plans will provide coverage for trip cancellations, medical emergencies, travel delays, missed connections, accidental death and dismemberment, and lost luggage.

How Much Does Travel Insurance Cost?

In general, comprehensive travel insurance coverage costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without cancellation coverage will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: The situations and expenses that are covered by a travel insurance policy.
• Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
• Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
• Premium: The cost of the policy for your specific trip.
• Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Does Travel Medical Insurance Cover International Trips?

Yes, travel medical insurance provides coverage for unexpected medical expenses that you may experience during a trip. This can include ambulance rides, hospital stays, doctor visits, and emergency medical evacuations.

Medical coverage is the most popular benefit among travelers because most primary health care plans, such as Medicare or an employer-sponsored plan, don’t offer coverage overseas. Traveling without proper health insurance could lead to thousands of dollars in out-of-pocket expenses.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing medical conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations under specified circumstances, such as sudden illness, injury, or death of a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Submit supporting documents: Attach all required documents to substantiate your claim.
• Keep records: Maintain copies of all submissions and correspondence for your records.
• Follow up: Stay in touch with the insurer for updates on your claim status.
• Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

5 Best Cheap Travel Insurance in 2024 (plus DISCOUNTS)

Home | Travel | 5 Best Cheap Travel Insurance in 2024 (plus DISCOUNTS)

If you’re taking a trip and looking for the best cheap travel insurance , you’ve come to the right place. Travel insurance may not be the most exciting topic, but it’s an essential part of planning a trip , so make sure you don’t leave home without it!

Besides, you can find affordable travel insurance for all types of budgets, so rest assured that you can get great coverage without spending a lot of money. In this guide, I’ll share the 5 cheapest international travel insurance companies to help you find the perfect fit for your trip needs.

5 Best cheap travel insurance in 2024

I will say upfront that we use Heymondo for all our trips. It’s one of the best travel insurance companies out there, offering tons of coverage and competitive prices. Plus, Heymondo is the only provider that pays your medical expenses upfront , so you don’t have to pay out of pocket and file a claim for reimbursement. Plus, you can get a 5% Heymondo discount just for being a Capture the Atlas reader.

5% OFF your travel insurance

Of course, there are other great options, such as SafetyWing , a cheap travel medical insurance that’s perfect for those on a tight budget who don’t mind having a deductible. Keep reading to see all the best options, compare prices, and see what inexpensive travel insurance should include.

Top 5 cheap travel insurance companies in 2024

In this guide, you’ll find the 5 best cheap travel insurance companies of 2024, so I’m sure you’ll find an option that’s perfect for you. To sum up, these are my top 5 recommendations:

• Heymondo , the best cheap travel insurance company
• SafetyWing , the best medical-only cheap travel insurance
• IMG , the best budget travel insurance for seniors
• Trawick International , a cheap travel insurance for pre-existing conditions
• Travelex , a cheap travel insurance for families

Keep reading to learn more about each company, including its prices, coverage limits, and other benefits, as well as a chart comparing the cheapest travel insurance policies.

Best cheap travel insurance price comparison

Before I get into details about each of these cheap travel insurance companies , I want to give you an overview of their prices and benefits. This chart will let you see each provider’s price per person, deductible, and coverage limits at a glance.

For this cheap travel insurance comparison , I used the example of a 30-year-old traveler from Canada who was going to Costa Rica for one week with a trip cost of $2,500. I also chose the most affordable plan for each company:

As you can see, Heymondo and SafetyWing are the two cheapest international travel insurance options. While Heymondo costs more, it also offers much higher coverage limits than SafetyWing, which is why it’s our favorite. It’s also the only provider that pays your medical expenses upfront , so you don’t have to pay out of pocket.

IMG Global, Trawick International, and Travelex offer similar coverage in some categories, but they also cost more. I recommend reading about each company below so you can determine which one best suits your needs .

1. Heymondo , the best cheap travel insurance company

Heymondo is one of the best cheap travel insurance companies overall, offering a high amount of coverage at a great price. With Heymondo, you’ll have comprehensive travel and medical-related benefits, including emergency medical expenses, trip cancellation insurance , and baggage loss.

There is also a $0 deductible for single-trip and annual multi-trip insurance, and the deductible for long-stay travel insurance is just $250 per claim. Best of all, they’re the only company that pays your medical bills upfront , so you don’t have to pay any medical bills and file a claim later to get a reimbursement.

Heymondo was also one of the first providers to include COVID coverage in its policies, which set the bar for other insurers. Moreover, the 24/7 traveler assistance app is another testament to Heymondo’s dedication and customer service. You can use it to get in touch with a team of doctors for advice and recommendations for the nearest clinic or hospital.

For all these reasons, we’ve been traveling with this insurer for 5 years, and we have a detailed Heymondo insurance review that you can read for more information. Overall, it’s the best value for money, and for just a bit more, you can upgrade your coverage to include adventure sports, cruises, and electronics.

Right now, we have the annual multi-trip policy from Heymondo, which is the cheapest international travel insurance for frequent travelers. If you decide to purchase from Heymondo, don’t forget to take advantage of our 5% Heymondo discount code by using our link .

2. SafetyWing , the best medical-only cheap travel insurance

Another affordable travel insurance to look into is SafetyWing . Their Nomad Insurance plan offers excellent, budget-friendly medical coverage with some travel-related benefits like baggage loss.

One of the most unique things about SafetyWing is that you can get coverage in your home country for 30 days after you’ve been abroad for 90 days, so it’s a good deal if you want supplementary protection for any medical issues. Moreover, this is a good, cheap travel insurance for families since it offers free coverage for up to two kids under the age of 10.

Keep in mind that while SafetyWing has cheap travel medical insurance , it focuses mostly on health-related benefits like emergency medical expenses and COVID coverage. That said, if you’re fine with having medical-only insurance for travel , it’s one of the best deals.

Another drawback of SafetyWing is that it has a $250 deductible per claim, so you’ll have to pay $250 toward your medical bills before the company will cover the rest. If you don’t want a deductible, Heymondo is a good alternative.

3. IMG Global , the best budget travel insurance for seniors

If you’re looking for travel insurance for seniors , then IMG Global is one of the best options. Finding budget-friendly travel insurance for seniors can be super tricky, but IMG Global has a plan specifically designed for travelers 65 and older.

The GlobeHopper Senior Single Trip plan offers travel and medical-related benefits and the option to choose a maximum coverage limit of $50,000, $100,000, $500,000, or $1,000,000. It’s also one of the few cheap travel insurances for pre-existing medical conditions , so it’s ideal for older travelers. While there aren’t as many travel-related benefits with this plan, it does offer lots of flexibility, as customers can choose a deductible of $0, $100, $250, $500, $1,000, or $2,500.

And for other travelers, IMG Global’s iTravelInsured Travel Lite plan is a good deal, with a $0 deductible and a good amount of coverage in all travel and medical-related categories. This includes emergency medical, evacuation, and trip cancellation/interruption benefits. In fact, its trip cancellation covers a wide range of reasons, including work transfers, job loss, passport/visa theft, natural disasters, and injury/illness.

However, this plan is among the most expensive options we found, so if you’re looking for cheaper single-trip travel insurance , I recommend Heymondo .

4. Trawick International , an affordable travel insurance for pre-existing conditions

Trawick International is another cheap travel insurance for pre-existing medical conditions , so if that’s something you’re looking for, I suggest getting a quote.

The company’s Safe Travels Explorer Plus plan is just a few dollars more than the Safe Travels Explorer plan, so it’s worth shelling out a bit more for its comprehensive coverage. This includes emergency medical expenses, repatriation, trip cancellation, baggage loss, and more, plus a $0 deductible. You can even add cancel for any reason travel insurance to your policy.

While Trawick International offers travel insurance for pre-existing conditions , you must purchase your plan within 7 days of the initial trip deposit date to enjoy this benefit. Also, it’s worth noting that the medical expenses coverage is on the lower end, at $250,000. If you don’t have a pre-existing medical condition and want higher medical coverage, you can get about five times more protection by going with Heymondo .

5. Travelex , a cheap travel insurance for families

Finally, Travelex is another cheap travel insurance company and a great option if you’re looking for domestic travel insurance for the USA . Travelex’s plans are affordably priced and offer comprehensive protection, including coverage for pre-existing medical conditions.

You can choose from the Travel Basic or Travel Select plan, although we recommend the latter, especially if you have a pre-existing condition or want a higher amount of coverage. That said, make sure to purchase your policy within 15 days of your initial trip payment so you receive a Pre-existing Medical Condition Exclusive Waiver.

Additionally, Travelex is a good option to consider if you want cheap family travel insurance since kids under 17 are included for free. Plus, you can upgrade your coverage to include things like rental cars, Cancel for Any Reason, and extra medical coverage.

Travelex’s benefits include coverage for baggage loss, trip cancellation, trip interruption, and evacuation and repatriation. While it also offers emergency medical expenses coverage, the limits are quite low, especially considering the price.

Also, for Canadian residents, there is a medical-only plan, which could be a good option if you’re looking for cheap medical-only travel insurance .

What does cheap international travel insurance cover?

When looking for the best deals on travel insurance , remember to check the policies carefully so you understand what’s included. Some cheap travel medical insurance plans include higher amounts of coverage compared to others with similar prices, so it gets a bit tricky.

Below, you’ll find the most important things to consider when browsing affordable travel insurance .

Emergency medical coverage

First, emergency medical expense coverage is one of the most crucial aspects of any cheap travel health insurance . You want to be covered for any unexpected costs that arise from an injury or illness while abroad. Emergency medical coverage includes things like hospitalizations, doctor-prescribed tests, treatments, and even dental procedures.

Emergency medical coverage with cheap travel insurance

Again, this is one of the most important benefits to look for, even if you want inexpensive travel insurance . It’s worth paying a bit more for a high amount of coverage, especially if you’re shopping around for travel insurance for the USA , where healthcare costs are through the roof.

Medical evacuation & repatriation

Another thing to look for when browsing the cheapest holiday insurance is medical evacuation and repatriation. The costs for these services are super expensive, so having this type of coverage is essential.

With medical evacuation and repatriation protection, you’ll be covered if you need to be transported from a remote area to a hospital or from your travel destination to your home country due to a serious injury or illness. It’s easy to overlook this benefit but should something happen and you don’t have this coverage, it could result in a huge financial loss.

Medical evacuation & repatriation coverage

Should an emergency arise, you don’t want to delay getting proper medical care, so having this type of coverage is very important!

Covid-related coverage

As I mentioned, Heymondo was one of the first providers to cover COVID-19 the same as any other illness, and many other insurance companies soon followed suit. While the height of the pandemic is over, it’s still worth having COVID coverage.

Besides, most cheap international travel insurance includes this type of coverage, so it won’t increase the price of your policy. If you do happen to contract COVID during your trip, you’ll be covered for the medical and travel-related expenses.

The exact terms and conditions depend on the company, but most insurers cover travelers for COVID testing, treatment, and quarantine.

Trip cancellation (and trip interruption)

Another thing you’ll want your plan to include is some type of trip cancellation coverage. This usually covers reasons like illness, inclement weather, strikes, and jury duty. However, you should always double-check your policy since providers vary on what they will and won’t cover.

Trip cancellation and trip interruption benefits

Also, be aware that cheap travel insurance typically doesn’t include Cancel For Any Reason (CFAR) but may offer it as an add-on. You can check our guide on the best cancel for any reason travel insurance for more information.

Along the same lines, trip interruption coverage will reimburse you if you need to cut your trip short due to a serious illness, injury, or the death of a family member. When buying cheap travel insurance , check to see if this benefit is included and what exactly falls under this category.

Lost or stolen baggage & delays

Lastly, baggage loss is something that even the most affordable travel insurance plans should cover. Anyone who has traveled knows that there is always the risk of your luggage getting lost, damaged, or delayed, so having this type of coverage is a good idea.

Under this benefit, you’ll receive a reimbursement so you can buy new toiletries, clothes, and other essentials if something happens to your luggage. The amount depends on the particular plan you choose.

What’s not covered by cheap travel insurance?

Now that you know the most important things to look for when shopping for travel insurance on a budget , let’s talk about what’s not covered. While cheap travel insurance can definitely offer comprehensive coverage, some policies only cover medical-related expenses, so you won’t be covered for travel-related issues.

Others exclude certain things like coverage for pre-existing medical conditions, natural disasters, and fear of travel. Again, it’s crucial that you look over your policy carefully so you know exactly what you’re getting.

Tips for buying travel insurance on a budget

Getting cheap international travel insurance isn’t just a matter of purchasing the least expensive policy you see. To get the best bang for your buck, keep these tips in mind:

• Pay attention to the policy limits to make sure you’re getting the best deal on travel insurance . While you might find lots of plans with low prices, that doesn’t mean they all offer the same amount of coverage.
• Buy at the right time . It’s better to purchase a policy as soon as you book your vacation so you know the exact price of your trip (this makes the claims process easier). Also, if you buy your policy just after booking your trip, you will have more benefits regarding the cancellation coverage.
• Shop around and compare cheap travel insurance policies from different providers.
• Only buy what you need and decline any unnecessary extras. For example, if you just need medical coverage, you don’t need to bother with things like trip cancellation and baggage loss coverage.
• If you travel more than three times a year, consider getting annual multi-trip insurance , which will save you money in the long run.
• Check to see if your credit card has travel insurance benefits . Some cards offer protection for trip cancellation or delayed/lost baggage (I’ll touch on this later).

By keeping these tips in mind, you can find cheap travel insurance for any type of trip.

Medical-only vs. cheap travel insurance

As you’re shopping for low-cost travel insurance , you’ll probably come across medical-only travel insurance . While they’re both affordable options, they aren’t the same, so it’s important to know the difference.

Cheap international travel insurance includes both medical and travel-related coverage. This means that you’ll be covered for health emergencies like sicknesses and injuries, as well as trip cancellation and baggage loss.

On the other hand, medical-only travel insurance will only apply to medical-related scenarios, and the coverage limits tend to be a lot higher. Of course, this really comes in handy when you’re traveling to countries where healthcare is exceedingly high, like the United States or Japan.

For our trips, we like to have insurance that covers medical and travel-related situations, which is why we always go with Heymondo travel insurance plans. This way, we’re covered for medical emergencies, trip delays, lost baggage, evacuation, repatriation, and more.

Is getting affordable travel insurance worth it?

Without a doubt, travel insurance is worth it , always! When you travel as much as us, you realize that anything can happen while you’re abroad, so it’s always a good idea to be prepared. We’ve had several scary experiences and mishaps, and if it weren’t for our annual travel insurance from Heymondo , we would’ve been stuck with huge headaches and financial losses.

Here are just a few examples of times when we’ve had to rely on our insurance:

• We had our most traumatic experience in the Peruvian Amazon when our boat capsized and tossed all of the passengers and their bags into the river . We were carried away by the water for about 15 minutes before we were able to get rescued and climb back on land. While Dan and I didn’t need medical attention, we lost a lot of equipment, including a couple of laptops and cameras, several lenses, two hard drives, and our passports. Fortunately, we were able to contact Heymondo via their 24/7 app, and they helped us connect with the Spanish embassy to return to Spain for new passports. Plus, our policy included $750 dollars each for Dan and me to cover our lost equipment.
• A less dramatic but still terrifying incident occurred in Alaska when Dan’s drone hit a tree and fell on me, cutting up my hand . I got freaked out by all the blood, and, in a rush, we drove to the nearest hospital for medical care. If we had contacted Heymondo first, they would’ve arranged the medical payments in advance, but since we forgot to, we had to pay the $3,000 bill upfront. Heymondo quickly reimbursed us, of course, but imagine if we hadn’t had trip insurance!
• In Ecuador, Dan got a stomach sickness that led to a hospital visit. Luckily, with our cheap holiday insurance , we were covered for this emergency medical expense.

So yes, getting insurance is totally worth it! Best of all, there are affordable travel insurance plans out there, as you’ve seen in this guide, so there’s no reason not to get it.

Credit cards with cheap travel insurance benefits

The last thing I want to touch on involves getting cheap travel insurance with one of the best credit cards for travel . While not all cards have this benefit, some offer trip cancellation protection or reimbursement for lost or delayed baggage.

For example, the Chase Sapphire Preferred credit card is one option that offers cardholders coverage for trip cancellation and interruption, as well as baggage loss/delay coverage. So, if you’re thinking about buying cheap travel insurance that mostly covers medical-related expenses, you might want to look into a credit card with travel-related benefits.

That said, I still recommend investing in a good travel insurance policy, especially if you’re a frequent traveler. You can find the best deals on travel insurance by looking into any of the providers I mentioned in this guide.

FAQs – Cheap travel insurance

To end this guide, I’m sharing the answers to the most common questions about affordable travel insurance :

What is the best affordable travel insurance?

In my opinion, Heymondo has the best cheap travel insurance on the market, although it’s also worth looking at SafetyWing , IMG Global , Trawick International , and Travelex .

How much does travel insurance cost?

You can buy cheap travel insurance for under $10 per week, although the amount of coverage varies.

What are the different types of budget travel insurance?

You can find cheap medical-only travel insurance or affordable insurance with travel and medical-related coverage.

The best cheap travel insurance covers emergency medical expenses, repatriation, baggage loss/delay, and trip cancellation.

What’s not covered by cheap travel medical insurance?

Some budget travel insurance policies won’t cover pre-existing conditions or travelers over a certain age.

When should I get travel insurance if I’m on a budget?

You should purchase your travel insurance as soon as you book your holiday.

Is buying cheap travel insurance worth it?

Yes, even if it’s a cheaper travel medical insurance , it’s still worth getting. This way, you’re covered in case anything goes wrong during your trip, so you can focus on enjoying yourself.

I hope this guide helps you find the best affordable trip insurance for your needs. Don’t forget that you can save money on a Heymondo policy by using our link .

If you have any other questions about budget travel insurance , feel free to leave me a comment below. I’d be happy to help you out.

Until then, have a great trip, and don’t leave home without travel insurance!

Ascen Aynat

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Best International Travel Insurance for June 2024

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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

How we rate the best international 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 US 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 overall: Allianz

• 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

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 here.

Best for exotic trips: World Nomads

• 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)

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 here.

Best for trip interruption: C&F Travel Insured

• 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.

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 here.

• 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

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 here.

Best for family coverage: Travelex Travel Insurance

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

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 here.

Best for long trips: Seven Corners

• 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

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 here.

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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Allianz Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

What does Allianz Travel Insurance cover?

Allianz single trip plans, allianz annual/multi-trip plans, which allianz travel insurance plan is best for me, can you buy allianz travel insurance online, what isn't covered by allianz travel insurance, is allianz travel insurance worth it.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

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

on Chase's website

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

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

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

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

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

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

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.

6 Best Cancel for Any Reason Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

IMG Travel Insurance »

Squaremouth »

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 Cancel for Any Reason Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• Seven Corners

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

• AXA Assistance USA
• IMG Travel Insurance
• Squaremouth

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000

SEE FULL REVIEW »

Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Compare multiple plans with CFAR coverage in one place

Comparison tool makes it easy to price shop

CFAR coverage reimbursements and fine print vary by company

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

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 she 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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