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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, canada travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

If you’re travelling to Canada, make sure you get the right Canada travel insurance . Some things you’ll need to take into account are:

• The cost of your trip – Because if you have to cancel, you’ll want to know that you’ll get the cost back
• The activities you’re likely to be doing – If you’re planning anything really extreme, we can offer you extra cover if needed. Just  contact us  to find out more
• Will you need additional  snowboarding  or  winter sports travel insurance ?
• Any medical conditions you may have – We consider everything but an extra cost may apply
• And don’t forget to check the  latest travel advice for Canada from the FCDO

What is covered with travel insurance to Canada?

As standard, our policies cover for  over 100 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting your holiday short
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

To make sure you have the best holiday possible, we’ve put together some facts and some important information which we think you’ll want to know before your trip to Canada.

Backpacking in Canada?

If you‘re thinking of going on an outdoor adventure around Canada, consider our  travel insurance  so you have some extra cover while exploring off the beaten track.

Our single trip travel insurance can cover you for up to a year, so plenty of time for backpacking around the country. And, if you’ll be taking sports or photography equipment around the hostels, you can add extra valuables cover to your policy, allowing you to backpack across Canada with an easy mind. Take a look at our  policy wording  for full details of the cover provided.

So go on – explore those mountain trails to your heart’s content!

When is the best time to visit Canada?

The summer months in Canada are June to September, with temperatures similar to those in the UK. In winter it gets much, much colder, but that may be exactly what you’re looking for, especially if you’re taking out winter sports travel insurance ! Whatever time of year you go, there’s sure to be plenty of cultural highlights and amazing natural spectacles.

Do I need a visa for Canada?

You don’t usually need a visa to travel to Canada as a British citizen for short trips, but you will need to get an Electronic Travel Authorisation (eTA) before you travel. Also, when you arrive in Canada, you’ll need to be able to provide proof of financial stability for the length of your stay.

You can find more information about  visas, entry requirements and eTAs for Canada here .

Canada Covid travel restrictions

Like many countries, Canada changed its entry requirements during the Coronavirus pandemic. The rules can change quickly, so make sure you keep up to date with the FCDO travel advice . The Canadian government has also set up a handy online Q&A , where you can answer a few questions to find out whether you’ll be able to travel.

Make sure to read about our Covid travel insurance to find out what you’ll be covered for.

How much is travel insurance to Canada?

The cost of Canada travel insurance varies. It will depend on things such as the length of your holiday and what you’ll be doing there. Travel insurance for Canada can be expensive, because claims costs are higher than in Europe. We offer four cover levels to choose from, for both single trips and annual travel insurance , so we’re sure to have a policy to suit your budget.

What’s the best travel insurance for visitors to Canada?

You’ll find the highest level of travel insurance for Canada in our Black policies. Black level policies cover unlimited medical expenses and up to £10,000 of cancellation costs. There’s also no excess to pay if you do need to claim. We also offer Gold, Silver and Budget Canadian travel insurance, so get a quote today!

How much travel insurance do I need for Canada?

The amount of travel insurance Canada holidays need will depend on various things. Think about the cost of your trip, what you’ll be taking with you, and whether you’ll be doing any hazardous activities. Make sure you choose a policy that fully covers your trip. You need to know you can get your money back if something does go wrong.

Healthcare in Canada

Medicare is used in Canada as a public healthcare service, but the cost of medical treatment for visitors can be quite expensive – so it’s always best to make sure you have the right level of medical travel insurance to cover medical expenses.

It’s also important to remember to give you GP a call at least four to six weeks before you go, to check whether you need any vaccinations.

You can find more information about  healthcare in Canada here .

Can you help if I need medical treatment while in Canada?

Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.

If you need emergency medical assistance just give our team a call any time, day or night.

Interesting facts about Canada

• Canada’s Nanaimo Marine Festival, held in July, boasts that it’s “the world’s cleanest race”. That’s because contestants compete with each other over a gruelling 36-mile course across the Strait of Georgia… in bathtubs!
• The distinctive maple leaf flag of Canada was only adopted in 1965 when it became the nation’s first ever official flag. There were complaints in 2013 when the Bank of Canada put the “wrong” maple leaf on new banknotes!
• The Mounties always get their man! is a phrase associated with the Royal Canadian Mounted Police. But their motto is really “Maintiens le droit” meaning “Uphold the law”. The better known phrase comes from a Montana newspaper report of 1877.
• Canada’s favourite fast-food dish is “poutine”, which originates from French-speaking Quebec. It’s a heart-clogging marriage of chips and cheese curds, smothered in thick gravy.
• Canada produces more than 80% of the world’s maple syrup. It’s derived from the sap of the maple tree, which stores starch before winter and converts it into sugars when the sap rises in spring. If only the fruits turned into waffles…
• The huge tides at Hopewell Rocks, Fundy Bay, Canada, have created some strangely eroded rock formations, which look like flowerpots. At high tide, the water level can rise as much as 16m, when the sea swallows up the steps down to the beach!
• Lacrosse wasn’t invented on the playing fields of British girls’ schools, but comes from the indigenous peoples of Canada. The Iriquois, Choctaw, Cherokee and others played forms of lacrosse long before the arrival of Europeans in the Americas.
• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

InsureandGo Review

Insureandgo travel insurance covers the basics well and a plan geared for cruises..

Top Ten Reviews Verdict

Although it does not cover the less likely trip emergencies, InsureandGo nonetheless covers the standard travel insurance needs well and is a choice worth considering if you're looking for bargain or cruise-specific options.

Offers cruise cover

Good basic coverage

Only covers UK, Ireland and Australian travelers

Online-only

Why you can trust Top Ten Reviews Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test .

InsureandGo is a UK-based travel insurance company that provides coverage for travelers living in the UK, Ireland and Australia. An online-only insurer, InsureandGo offers a wide range of coverage and in the UK will consider coverage for any medical conditions, includes children on annual policies for free, and covers up to 50 adventure activities. 

InsureandGo review: Plan options

InsureandGo travel insurance covers the basics for reimbursement should you have to cancel your trip or have a medical emergency during your travels. It also has a plan geared for cruises. While it lacks some of the features commonly found with the best travel insurance agencies, it is one of the cheapest we evaluated.

We priced out three different plans – a Mississippi river cruise, a vacation in France and an Antarctic adventure. In each case, InsureandGo's plans were significantly cheaper than most of the others in our lineup – sometimes hundreds of dollars below the average. In order to provide these less expensive plans, this trip insurance company does not cover some of the popular but less likely events that others insure, such as trip cancellation due to airline, tour company or cruise line insolvency. It also does not reimburse some of the smaller expenses, like change fees or lost prescriptions, and it lacks a concierge service that most travel insurance companies provide gratis.

InsureandGo review: Coverage

If you are more interested in the basic coverage, however, you may find it's a good deal. It compares well to other plans for how much it reimburses for cancellations, interruptions and delays, and is above average when it comes to lost luggage or baggage delays. It's one of the highest for covering medical expenses. In addition, it has cruise plans with extra coverage for missed departures and compensation for missed cruise days should illness confine you to your cabin.

This company does not provide concierge services, such as a hotline to call to get restaurant reservations, hotel recommendations or even help finding a lawyer. However, for medical emergencies, InsureandGo can locate a doctor for you. As with any insurance, the features, prices and terms vary by your need, so be sure to check the online contracts when you price out your specific plan. This agency does not reimburse lost mileage or cancellations due to default by the carrier. 

InsureandGo review: Making a claim

We found the procedures and rules for filing to be about average. The travel insurance agency is clear about what it requires, specifically noting proof in writing for any event that may lead to a claim. As with other travel insurance companies, you need to download the form, but the forms include a checklist of the required paperwork. If you have questions of an administrative nature, you need to call during business hours, but there is a 24/7 line to call if you have an emergency while on your trip.

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Should you choose InsureandGo?

While InsureandGo does not cover all the features of other higher-ranked travel insurances we reviewed, it nonetheless does a good job at covering the basics, with above-average compensation for medical needs and some extra considerations for cruises. The paperwork checklist on the claims form makes it easier to file a claim. It lacks some amenities like concierge service and a 24/7 line for non-emergency questions, but with one of the lowest rates of the insurances we reviewed, it's worth pricing out.

Noel has worked as a reporter and editor for many online and print publications including the Salt Lake Tribune and the Ogden Standard-Examiner, covering diverse beats like education, city development and politics. He also wrote and edited an online monthly magazine for the nutritional supplement company Max International. Noel has degrees from the University of Utah and Weber State University in psychology, English and creative writing and is passionate about writing in all its forms.

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Most Popular

Take us away with you

Travel insurance from €6.71*

InsureandGo offers  a range of travel insurance policies  for holidays and trips of all types, whether you’re looking to cover a lazy beach holiday or an action-packed adventure around the world. That’s why we’re  Ireland’s travel insurance specialist.

• Medical coverage up to €10m (Platinum product)
• Cancellation and personal belongings covered
• 24/7 emergency assistance
• Discount for private health insurance customers
• Online medical screening

Our travel insurance policies now provide cover for Cancellation and Curtailment as a result of a COVID diagnosis, and Medical Expenses incurred abroad as a result of a COVID diagnosis, subject to the policy terms, conditions, and exclusions.

*Based on a single trip to anywhere in Europe for three days for someone aged 65 or under.

Single trip travel insurance

• Up to €7,500 Cancellation cover (Platinum product)
• Cover for trips of 3 days to up to 12 months
• Over 50 sports and activities covered free
• 24-hour emergency helpline

Annual multi-trip

• Unlimited number of trips covered
• Cover for trips of up to 60 days (Platinum product)

What are you covered for?

InsureandGo offers comprehensive coverage for your travel needs. Get a quote for an annual multi-trip or single trip travel insurance policy now.

Medical coverage

You will have access to medical coverage up to €10 million if you choose the Platinum option.

Cancellation

All of our travel insurance policies include cover for cancellation of your trip.

Emergency assistance

If you have an emergency, you can call our medical emergency line, 24 hours a day, 7 days a week.

Transparency

We are fully transparent to our clients. There are no hidden transaction fees in your coverage.

I’ve lost my documents. How do I retrieve them?

If you have lost your policy documents, you can retrieve them online. Enter your quote number and e-mail address to access your documents. If you would like your documents resent through the post or you have forgotten your quote number or if you have any other problems accessing your documents online, please call our customer service team on 091 545 904 or email [email protected] .

What do I do if my passport is lost or stolen abroad?

You should report any loss or thefts of passports to the local police in the country you are in as soon as possible. You will need the crime reference details they provide for the APS1 (which is the Lost or Stolen Passport Notification) form. You should also report the loss or theft to the Irish embassy of the country you are in. You can get details of your local Irish embassy wherever you are by visiting the website of the Department of Foreign Affairs. The Irish embassy will issue you with replacement travel documents so you can travel back.

When will my documents arrive through the post?

Normally, we say to allow between 5 to 10 working days between you buying your policy and your documents being received in the post. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.

What do I need to take on holiday with me?

We advise that you take your travel insurance certificate and the relevant policy wording booklet away with you.

You may travel with a printed copy of your emailed documents. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

Read more FAQs

Emergency contact overseas

In the event of an emergency overseas, call +353 91 545908

Non-emergency claims

For non-emergency claims, please call +353 91 545907

Other enquiries

For other enquiries, please see our “Contact Us” page.

Wintersports cover

We will pay (up to the amount specified, based on the policy you choose) for:

loss, theft or damage to winter sports equipment, the hire of winter sports equipment (should your equipment be lost stolen or damaged), the cost of your ski pack (should you become ill or injured), extra travel and accommodation expenses if your outward or final return journey is delayed due to avalanche, and if the piste is closed for more than 12 hours.

Private health insurance discount

If you and each additional traveller on this policy have private health insurance in place providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you qualify for a reduced premium on your travel insurance. This cover must remain in place for the full duration of your policy with us.

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your travel insurance policy will commence once you have reached the limit on your private health insurance policy.

Destinations

Europe excluding Algeria, Israel, Jordan, Libya, Lebanon and Syria (Area 2)

The Continent of Europe, The Azores, any country or island with a Mediterranean coastline.

Please see list below:

Albania - Andorra - Austria - Balearic Islands - Belgium - Bosnia - Bulgaria - Canary Islands - Corsica - Crete - Croatia - Cyprus - Czech Republic + Slovakia - Denmark - Egypt - Finland - France - Greece - Germany - Hungary - Ibiza - Iceland - Italy - Lapland - Liechtenstein - Luxbbourg - Madeira - Mallorca - Malta - Menorca - Monaco - Morocco - Netherlands - Norway - Poland - Portugal - Romania - San Marino - Sardinia - Sicily - Slovenia - Spain - Sweden - Switzerland - Tunisia - Turkey - Yugoslavia. Also included is these parts of the former USSR: Estonia - Belorussia - Latvia - Lithuania - Moldavia - Russia (Moscow) - Ukraine (Kiev)

Worldwide excluding USA/ Canada (Area 3) Worldwide including USA/ Canada (Area 4) United Kingdom and Channel Islands (Area 1)

Group types

Individual(s): Principal insured Person(s) that are not spouses or common law Partners.

Couple: Principal insured Person and his/her spouse or common law Partner.

Family: Principal Insured Person, his/her spouse or common law Partner, and their dependent child/children aged 17 years and younger.

The main traveler must be aged 18 or over, but not exceed 86

This date is too far from the current date

091 545 904

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Policy type

Destination.

Europe The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands, and non-European countries bordering the Mediterranean (except Algeria, Israel, Jordan, Libya, Lebanon and Syria)

Worldwide excluding USA/ Canada(Area 3) Worldwide including USA/ Canada(Area 4)

Winter sports

We will pay (up to the amount specified, based on the cover you choose) for: loss, theft or damage to winter sports equipment, the cost of your ski pack (should you become ill or injured), extra travel and accommodation expenses if your scheduled public transport is cancelled or curtailed due to avalanche or if the piste is closed for more than 12 hours due to lack of snow, a benefit per day.

Journey dates

Please note: You will not be covered for holiday cancellation until your policy start date. Choose today’s date if you want cover as soon as possible.

Select whether you would like to purchase an insurance policy tailored for families or a group of individuals so we can offer you the most suitable products.

Private Health Insurance

Private health insurance discount

If you and each additional traveller on this policy have private health insurance in place providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you qualify for a reduced premium on your travel insurance. This cover must remain in place for the full duration of your policy with us.

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your travel insurance policy will commence once you have reached the limit on your private health insurance policy.

Contact Us - Opening Hours

If you have any questions, queries or comments, please don’t hesitate to contact us. You can get in touch with us at the following times:

Mon-Fri 9am – 5pm

Emergency number: +353 91 545 908 (emergency overseas, 24/7)

Non-emergency claims +353 91 545 907

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.

Seniors Travel Insurance

Here at InsureandGo, a multiple  award winning  travel insurance company, we provide travel insurance for seniors with competitive rates.

Our friendly and knowledgeable team is here to answer any questions you may have, and travel knowing that you are backed by an expansive 24/7 global assistance network. InsureandGo is fully owned by Europ Assistance. Europ Assistance has a global presence in more than 200 countries, with a network of more than 750,000 assistance providers averaging 10 million assistance interventions every year. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.

Get the most out of your holiday whether you’re caravanning around Australia or flying overseas. Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019. and 2022. We recently received the  Canstar 2022 award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check out external review sites like  Product Review  and  Feefo  for unbiased customer feedback.

Why Travel With Us as a Senior?

Selecting a Seniors Travel Insurance Policy

Offering policies for domestic, single-trip international, annual multi-trip international, and cruise travel, you can be assured to find the right product for your next holiday. We provide coverage for seniors up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age). This affordable and quality cover has made us a great option for seniors over 65.

There is no need to search for a specific Seniors policy. Simply select the trip type that best describes your journey in the quote box above when you request your instant quote. You’ll be presented with 3 levels of cover where you can compare the products and their quotes.

Pre-Existing Medical Conditions:

InsureandGo strives to offer the best possible comprehensive coverage possible; therefore we consider all  pre-existing medical conditions  for possible cover, subject to agreement, without any up-front medical certificates. A pre-existing medical condition is  any diagnosed medical condition for which, in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication.

Our policies cover many pre-existing conditions, some at no extra surcharge. To see if we can cover yours, please complete our medical assessment online at 4th step of quote journey or over the phone. 

To obtain a quote online, simply fill in the quote box above, which will allow you to compare our products and quotes. Before submitting your payment details, you have the option to declare all medical conditions online; this will only take you a few minutes. You will be able to save your quote for when you’re ready to purchase as all quotes are valid for 30 days. Note that selecting our Gold Level Coverage option will provide you with unlimited cancellation.

Travelling with grandchildren:

Spend more time with your grandchildren without spending any extra for your insurance. In addition to covering all your needs, your policy^ will cover any grandchildren (under 18yrs) travelling with you for free**.

Most Common Questions

We cover up to 79 or 100 years of age, subject to policy type and cover level selected.

We consider all pre-existing medical conditions for possible cover, subject to agreement, in all of our travel insurance products, except for our Domestic Travel Insurance. To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone

If, subject to our medical questionnaire, we are unable to cover your pre-existing medical conditions, we will only exclude any claims directly/indirectly relating to those conditions. Please keep in mind that you are still insured medically for a new condition that may unexpectedly arise overseas as well as accidental injuries and illnesses.

No. Simply select the trip type that best describes your journey.

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseeable death, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time, and this cover does not include any cover for pre-existing medical condition of non-travelling relatives. Please refer to the policy wording for any benefit limits

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours, as long as you eventually go on the holiday.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

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**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

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

Best International Travel Insurance for June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

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

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

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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Nsm insurance group acquires two leading u.k. travel insurance brands.

AllClear and InsureandGo Join Forces with NSM for a New Chapter in Travel Insurance

CONSHOHOCKEN, Pa. , May 29, 2024 /PRNewswire/ --  NSM Insurance Group , a global specialty insurance provider with more than $1.6B in premium across 25+ niche insurance programs, today announced that it has signed a definitive agreement to buy InsurEVO. Based in the U.K., InsurEVO is a specialist personal lines travel MGA with more than three million customers and operates AllClear Travel insurance  and InsureandGo  — two of the most trusted and dominant travel insurance brands in the U.K. The closing is subject to regulatory approvals and other customary closing conditions.

"Today marks an exciting new chapter for AllClear and InsureandGo. We are delighted to welcome these renowned brands to the NSM family," said Geof McKernan , CEO & Founder of NSM Insurance Group. "Chris has done a tremendous job growing both brands and leading process and technological change while maintaining strong growth. Together, we will drive continued innovation to deliver exceptional value to our clients and expand our global presence."

Since 2000, millions of customers have relied on AllClear and InsureandGo for their travel insurance needs. These leading travel brands are committed to providing a seamless and effortless insurance journey for customers while maintaining award-winning customer service. Through their digital platforms, these brands have deployed leading-edge technology to achieve their number one priority – delivering the best possible experience for the customer.

"We're absolutely thrilled to join forces with NSM to help us continue to grow and scale the business. Over the last two decades, our dedicated and talented team has helped us grow into the force we are today, and we look forward to extending that growth with NSM," said Chris Rolland , Group CEO of AllClear and InsureandGo. "NSM has the prowess and proven track record to help our business grow by expanding our distribution channels — further enhancing our technology platforms and expanding our global market reach. We are confident that NSM will help lead us to a bright future filled with growth, development and success."

Over the past 34 years, NSM has developed a winning formula for building the industry's most successful and sustainable insurance programs, consistently outperforming competitors and driving industry-leading growth and profitability. This latest strategic investment is a significant step forward in NSM's mission to become a dominant player in the travel insurance space — providing unparalleled travel insurance platforms and solutions to customers worldwide.

For more information about NSM or for investment opportunities, please visit nsminc.com .

About NSM Insurance Group NSM Insurance Group is a global specialty insurance provider, exclusively focused on building successful insurance programs. For more than 30 years, NSM has been committed to delivering industry-specific insurance programs that help agents meet the unique needs of their customers and fuel market growth through innovative development, underwriting, distribution and claims expertise. The company has built more than $1.6 billion in premium across 25+ specialty insurance programs and brands around the world focused on collector cars; student health and travel; social services and behavioral health; addiction treatment; coastal condominiums; towing and garage; trucking; sports and fitness; professional liability for contractors, architects and engineers; habitational; commercial and residential contractors; medical stop-loss and managed care; staffing; and workers' compensation. For more information on NSM, visit nsminc.com .

About The InsurEvo Group InsurEvo comprises three key consumer brands, InsureandGo, AllClear and JustCover trading across U.K., Australia and Ireland . For more than 20 years, award-winning travel insurance specialist AllClear has helped cover more than three million policyholders — with customers across the U.K., Ireland and Australia . AllClear is passionate about enabling people to obtain specialist travel insurance whatever their medical condition or age. AllClear offers quality insurance with 5 Star Defaqto rated products and best-in-class service evidenced by 97% of 150,000+ Trustpilot reviews rating the team 'Great' or 'Excellent.' AllClear provides products, technology platforms and services for many national charities and household brands including Aviva, Direct Line, Diabetes U.K. and Motability. AllClear is the selected Travel Insurance Specialist scheme provider for the British Insurance Brokers Association (BIBA) since 2011.

Media Contacts: Leanne Scott Brown NSM Insurance Group [email protected]

Letitia Smith AllClear Travel Insurance [email protected]

View original content to download multimedia: https://www.prnewswire.com/news-releases/nsm-insurance-group-acquires-two-leading-uk-travel-insurance-brands-302157465.html

SOURCE NSM Insurance Group

NSM Insurance Group to Acquire U.K. Travel Insurance Leader InsurEVO

CONSHOHOCKEN, PA — NSM Insurance Group recently signed a definitive agreement to acquire InsurEVO, a prominent personal lines travel MGA based in the U.K. InsurEVO operates two leading travel insurance brands, AllClear Travel and InsureandGo, which collectively serve over three million customers.

The deal, subject to regulatory approvals and customary closing conditions, marks a significant expansion for NSM Insurance Group. “Today marks an exciting new chapter for AllClear and InsureandGo. We are delighted to welcome these renowned brands to the NSM family,” said Geof McKernan, CEO and Founder of NSM Insurance Group. McKernan praised Chris Rolland, Group CEO of AllClear and InsureandGo, for his leadership and technological advancements that have fueled growth.

Since 2000, AllClear and InsureandGo have provided travel insurance to millions. Both brands focus on delivering seamless and efficient customer experiences. Their success is driven by advanced digital platforms and award-winning customer service.

Chris Rolland expressed enthusiasm about the acquisition. “We’re absolutely thrilled to join forces with NSM to help us continue to grow and scale the business,” said Rolland. He highlighted the dedication of his team over the past two decades and looked forward to further growth under NSM’s guidance. “NSM has the prowess and proven track record to help our business grow by expanding our distribution channels, enhancing our technology platforms, and increasing our global reach.”

This acquisition will likely bolster NSM’s presence in the travel insurance market, leveraging InsurEVO’s established reputation and customer base. The collaboration aims to drive innovation and deliver superior value to clients worldwide.

In summary, NSM Insurance Group’s acquisition of InsurEVO positions both companies for enhanced growth and expanded market presence. As they integrate their capabilities, they aim to set new standards in travel insurance and customer satisfaction.