travel insurance companies in netherlands

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Travel Insurance for The Netherlands

Visitors to the netherlands: safety and travel insurance advice.

Travel Insurance in The Netherlands for Visitors

When traveling outside of your home country, purchasing a travel medical insurance plan is always recommended. The Netherlands is no different. Even though it is one of the safest countries, it doesn’t mean you will be exempt from illness or an accident. It’s best to get coverage and peace of mind.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Health Insurance for Expats in The Netherlands

Expats in The Netherlands need to have basic Dutch health insurance . There are no exceptions, even if they are carrying private health insurance from their home country. But there is still flexibility. Within the Dutch health insurance system, everyone has the right to choose which provider they want. If you are a Dutch citizen who moved out of the country , you may need private medical insurance when visiting.

Finding a local doctor should be one of your first jobs as an expat. The local doctor plays an important role in healthcare in the Netherlands. They are the first stop to receive any type of medical treatment.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Understanding The Netherlands’ Healthcare System

The quality of healthcare in The Netherlands is excellent. The country has universal healthcare. The government requires all adults to have basic health insurance, which is managed by the government and supplemented by private companies. Additional supplemental coverage is optional, but everyone living in The Netherlands must have government-managed health insurance from a Dutch provider.

This insurance covers visits to general practitioners and hospitals. It’s very economical. Both primary and long-term services are offered at a fixed price. Furthermore, it’s illegal for insurance companies to refuse coverage or impose punitive fees. Residents with a local income level can also apply for financial assistance. This helps with the cost of basic healthcare and covers supplemental services.

Emergency Numbers In The Netherlands

The emergency number for The Netherlands is 112.

Hospitals in The Netherlands

There are three kinds of hospitals in The Netherlands: university hospitals, general hospitals, and teaching hospitals. Most of them are privately run. Visitors can expect all hospitals in The Netherlands to be clean, comfortable, and run by multilingual staff.

In an emergency situation, you do not need to be pre-registered at the hospital. You can simply go to the nearest emergency room. If you’ve been in the country for a long time and thus are signed up to a local doctor, they may also have an out-of-hours emergency number. And if you’re in Holland, you can call the Centrale Huisartsen Post (CHP) outside of regular hours to consult a doctor.

Make sure you understand what your travel insurance for The Netherlands will cover.

Vaccines and Staying Healthy

Tap water is safe to drink in The Netherlands, and public sanitation standards are high. There are no major concerns about food safety.

As with all travel destinations, ensure that your routine vaccinations are current. Some of these vaccines include measles-mumps-rubella (MMR), diphtheria, tetanus, pertussis, polio, varicella (chickenpox), influenza, and Hepatitis B.

Finding public washrooms is challenging in The Netherlands. There are free urinals in many Dutch cities, but the same can’t be said of private toilet stalls. Savvy travelers always keep several coins with them to pay for public toilets. Others simply look for fast-food restaurants. The purchase of a small soda is a small price to pay for access to a clean and private washroom!

Bike Safety In The Netherlands

The cliche of The Netherlands being a cycling destination is absolutely true. There are indeed more bicycles than people in The Netherlands. The average Dutch citizen cycles more than 3km every day . However, visitors should know that the bike lanes are dangerous spots – but not for cyclists. They’re dangerous for unsuspecting tourists! Another reason to purchase travel insurance for The Netherlands, it is common for tourists to be involved in an accident.

Designated bike lanes are usually painted red and marked with a bike symbol. But bikes are truly everywhere, and cyclists don’t slow down for pedestrians. In busy cities like Amsterdam, always assume the road you are on is used by cyclists. Double-check before you cross!

Unfortunately, bicycle theft is common in The Netherlands. Locals use a two-lock system, utilizing a standard bike lock and chain lock. They also look for guarded bike parks to park their bike.

Drug Use In The Netherlands

Cannabis is not legal in the Netherlands. Cannabis is decriminalized, and recreational use of it is tolerated. This relaxed attitude towards soft drug use plays an important role in the country’s tourism industry. Figures suggest that 25-30% of people who visit Amsterdam spend time in a coffee shop for the purpose of trying cannabis.

You are allowed to purchase up to 5 grams of cannabis for personal use. That said, you must be older than 18 years old. In some parts of The Netherlands, you also need to be a resident to make a purchase. However, residency rules don’t apply in Amsterdam. You also must visit a licensed establishment such as a coffee shop.  Coffee shops are clean, safe, and welcoming establishments with knowledgeable staff and safe products.

Despite its laid-back reputation, drug use and trafficking are taken very seriously in The Netherlands. You could face heavy fines and a serious jail sentence for trafficking drugs, traveling in and out of The Netherlands with drugs, or using drugs outside a licensed establishment.

Visiting The Red Light District

The famous Red Light District of Amsterdam. It’s a relatively tame, quiet part of the city by day. By night – well, it’s also relatively tame but with hoards of tourists. Amsterdam’s De Wallen neighborhood, better known as the Red Light District, is very safe for curious travelers to visit, with two exceptions. Anyone caught taking photos of sex workers will get in big trouble. Taking photos here is extremely disrespectful. Those working there might give you a scary warning (at best) or throw your phone into the canal (at worst). Secondly, this is a pickpocket’s paradise. Pickpocketers thrive on crowds of distracted visitors, something in abundance there.

Prostitution is legal across The Netherlands, not just in Amsterdam. Any consensual encounter between a prostitute and a customer is allowed. But there is a risk of sexually transmitted diseases, just like in any sexual encounter. Just because sex work is legal in The Netherlands doesn’t mean there are any guarantees which negate the use of safe sex practices.

The safety and health of both sex workers and customers are just two of the topics in a growing debate about the future of legalized prostitution in The Netherlands, as per the Financial Post . Of particular concern is that the country hasn’t been successful in preventing human traffickers from profiting from the system.

Passport Requirements for Travel to The Netherlands

The Netherlands is a Schengen area country . Most travelers do not require a visa for stays of 90 days within 180 days. You can find a full list of what nationalities do and do not need visas or other special considerations here .

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Travel Insurance for a Trip to The Netherlands (2024)

Travel insurance for the Netherlands will cover unexpected costs incurred from trip delays, interruptions, cancellations and more.

in under 2 minutes

with our comparison partner, Squaremouth

Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The Netherlands is a wonderful place to travel on vacation. It’s a cultural hub for art and history, making it a prime destination for travelers.

The Netherlands also enjoys a low crime rate and a reputation for safety, so you might wonder why you would want to purchase travel insurance for a trip here. But no trip is immune from travel delays or unforeseen cancellations. And with the expense of flights and the cost of accommodations and tours in the Netherlands, having the best travel insurance is a smart way to protect your vacation.

Do I Need Travel Insurance for the Netherlands?

The Netherlands is part of Europe’s Schengen area, formed after an agreement between countries in the European Union that allow people to move freely from country to country without passport checks at mutual borders. Some travelers must have a Schengen visa to enter Schengen countries, and they must prove that they have insurance. U.S. citizens don’t need a Schengen visa for a short-term stay (less than 90 days), and there are no travel insurance requirements for short-term visits.

Check the Dutch consular website to see what specific visa requirements apply to you. Travel insurance is mandatory if you have a Schengen visa.

But even if you aren’t required to have travel insurance, you should consider it when you take a trip there. International travel always has its quirks, whether from flight cancellations , baggage delays or an unforeseen emergency.

Having sound personal effects coverage and quality medical coverage for any trip are good moves. You may also want cancellation and interruption coverage to protect from losing money should you need to cancel your trip.

Compare Netherlands Travel Insurance Companies

Use the table below to compare costs, CFAR coverages and COVID-19 coverages for our top travel insurance companies that will cover trip to the Netherlands.

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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What Kind of Travel Insurance Is Needed for a Trip to The Netherlands?

The sections below provide an overview of the different types of coverage available in travel insurance policies.

Cancel for Any Reason Coverage 

Cancel for Any Reason (CFAR) coverage is an add-on feature offered by many travel insurance companies. This insurance rider lets you cancel your trip for any reason, even if it’s not included in the standard trip cancellation reasons.

While CFAR coverage offers peace of mind should you need to postpone or reschedule your vacation, it typically comes with specific requirements and limitations. These vary by insurance provider, but limitations usually include:

• That you need to cancel your trip within a certain time frame of your first trip deposit, typically 14-21 days
• That you may not be eligible for CFAR insurance based on your country or state of residence
• That CFAR may only cover a percentage of your insured trip cost rather than the full amount

If you’re interested in buying cancel for any reason coverage, check with your provider about specific requirements.

Gear Theft Protection

Gear theft protection insurance protects you against the theft or loss of valuable gear, equipment or tools. It’s relevant for travelers who take expensive equipment on trips: high-end cameras, sporting gear, laptops, etc.

Gear theft protection insurance typically covers the cost of replacing or repairing your gear if it gets stolen, lost or damaged. Specific coverage and terms vary by policy and provider. It’s important to review the fine print of the rider before buying it.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance covers medical expenses that you incur while on a trip. Medical care in the Netherlands can be expensive, so we recommend travel health insurance with a high medical maximum.

Travel medical insurance covers:

• Emergency medical treatment
• Hospitalization
• Medical transportation and repatriation to your home country
• Prescriptions
• Interruptions resulting from illness or injury

Travel health insurance won’t cover costs associated with pre-existing conditions. If you have a health condition that you may need treatment for while traveling, declare the condition to your provider ahead of time. The company may include your condition(s) in your travel insurance plan, although the price of the add-on is likely to rise.

Rental Car Protection

You can also add rental car protection to your travel insurance policy. It supplies financial protection for vehicles you rent during your trip, usually at a lower price than what you can get from your rental agency. It reimburses costs related to damage or theft associated with a rental car. Many travel insurance companies have rental car protection as an optional add-on to your policy.

Rental car protection within travel insurance typically offers coverage for the following:

• Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW): This reimburses you for the cost of repairs or the replacement value of a rental car if it gets damaged or stolen. It includes coverage for accidents, vandalism, theft and other unforeseen events that damage the vehicle.
• Personal Effects Coverage: Some rental car protection policies also cover the loss or theft of personal belongings that are inside the rental car. It typically has certain limits and may exclude high-value items such as electronics or jewelry.

Trip Cancellation Insurance

Trip cancellation insurance allows you to claim back any nonrefundable deposits made for your trip should you need to cancel your plans. Usually, you get reimbursed for 100% of your insured trip cost.

Cancellation coverage is subject to certain terms and conditions. Unlike CFAR, cancellation insurance will only reimburse you for unforeseen incidents that are covered in your insurance policy. These include:

• Death of a loved one or travel companion
• Military or jury service
• Adverse weather and natural disasters
• The traveler is made redundant and can no longer afford their trip

How Much Does Netherlands Travel Insurance Cost?

The cost of travel insurance can vary greatly between providers, as they will offer different levels of coverage. The below table compares the prices of the cheapest travel insurance plans available from five insurance companies.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Netherlands. The below quotes are for a 30-year-old traveler from Florida, traveling to Netherlands for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Most plans cost about the same. USI Affinity’s Basic policy costs significantly more than others. This plan offers $150,000 in medical coverage (not the highest maximum), as World Trips’ Basic policy offers up to $260,000.

All of the above plans include 100% cancellation coverage. Tin Leg, Seven Corners and USI Affinity have $500 in coverage for baggage loss/damage. Nationwide provides $600, and World Trips offers up to $1,000. Either may be more suitable for travelers taking expensive equipment.

Seven Corners provides CFAR as optional coverage, but the other plans don’t include it unless the policy is upgraded. Tin Leg and Seven Corners also include COVID-19 in their medical coverage. If this is a concern for you, these plans are recommended.

How Do I Get Travel Insurance for the Netherlands?

A good place to start shopping for travel insurance is to ask your bank or credit card provider if they offer coverage. You may already be entitled to extra benefits through either entity.

Also, compare quotes from multiple insurance providers. Most have more than one policy available. Some insurance companies may offer cheaper insurance plans , but these will likely have fewer benefits.

When purchasing travel insurance, always check with your insurance company for details about claim procedures, exclusions, and additional benefits.

Netherlands Safety Tips

The Netherlands remains one of the safest travel destinations on the globe, ranking 20th on the 2022 Global Peace Index. However, travel advisories highlight some dangers related to terror attacks, which have increased across some European countries. Google for more updated information about incidents, any attacks or violence that could impact your trip.

Crime and Safety

Travelers are unlikely to encounter petty crimes while visiting cities like Rotterdam or the Hague. Pickpockets are uncommon but remain cautious and keep any valuables you take in a secure location, like a hotel safe.

Amsterdam is known for its “coffee shops,” not to be confused with regular cafes because they’re licensed to sell cannabis. Even though it’s legal, marijuana regulations remain strict in Holland and other provinces. Cities closer to bordering countries like Belgium have already introduced legislation that prevents store owners from selling cannabis to non-residents.

If you plan to partake, only consume it in licensed venues.

Day Trips, Tours and Excursions 

The Netherlands offers travelers a range of activities to fill up an itinerary. From seeing tulips in April to exploring the iconic Dutch windmills, there are many sights to see.

If you want to check out the famous Anne Frank and Van Gogh museums, book in advance: wait times can be long. If you plan to visit multiple museums, consider purchasing the Museumkaart. For just 60 euros, you can enter more than 400 museums across the country and not have to pay admission, although booking fees may still apply.

The Netherlands is known for its cycling, and many cities and towns have dedicated cycling paths. Cyclists have the right of way, so pay attention when crossing roads or paths to avoid any accidents. If you are planning a cycling trip, wear a helmet and don’t ride recklessly.

The Dutch government lifted all restrictions related to COVID-19 for visitors entering the country. Travelers don’t need to provide proof of vaccination or a negative PCR test when they arrive. If you have concerns about COVID-19, be sure that your travel insurance plan includes coronavirus in your medical coverage. More information about COVID-19 can be found on the U.S. consulate website .

Is Travel Insurance for a Trip to the Netherlands Worth It?

If you’re going on vacation to the Netherlands, we highly recommend travel insurance . Having a good travel insurance plan protects you from paying medical costs or replacing your belongings out of pocket.

Although the risks of traveling in the Netherlands are minimal, interruptions and travel delays are impossible to predict. Having quality travel insurance provides a safety net should you need it.

For more information about what Netherlands travel insurance covers, read through the FAQs below.

Frequently Asked Questions About Travel Insurance in the Netherlands

Can i claim compensation if my flight is canceled.

You can claim compensation on your travel insurance for any canceled or delayed travel arrangements, such as flights or hotels. Find details of the claim procedure and the amounts available to you in your insurance policy.

Read more here about how to claim travel compensation .

Do I need Schengen travel insurance?

Travelers that require a Schengen visa also must have travel insurance. This is dependent on your country of residence. Further details about Schengen visas and travel insurance can be found here .

Is healthcare in the Netherlands free?

Medical care in the Netherlands is not free. If you need treatment or a prescription while on vacation, you must pay the full cost. Healthcare can be expensive, so having good medical coverage in your insurance plan is recommended.

Will my health insurance cover me in the Netherlands?

Health insurance usually covers medical costs in your country of residence. Some providers may extend coverage to include trips abroad, but this is not always the case. Check with your health insurance company about whether you need to buy additional coverage that encompasses your destination.

Methodology: Our System for Ranking The Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

Travel insurance the Netherlands

Travel insurance can give you peace of mind when you're traveling. It will cover you when your trip is canceled or interrupted, when you have a medical emergency, lost your baggage and some countries even require it. Even your trips inside the Netherlands will be covered.

We explore in this section

Why should i get travel insurance.

Travel insurance can give you peace of mind when you're traveling. We list some of the examples where having a Travel insurance can help you out. 

Trip Cancellation or Interruption Your travel plans can change due to various reasons, illness, a family member has an emergency or work needs you to stay. When you have Travel insurance you can reimburse for non-refundable expenses if you need to cancel or interrupt your trip.

Medical Emergencies When you have health issues when you're away from home, and medical care in a foreign country can be expensive. Travel insurance covers those medical expenses, including hospital stays, medications, and emergency medical evacuation.

Lost or Delayed Baggage Travel insurance can provide coverage for lost, stolen, or damaged baggage. It may also offer compensation for essential items in case your baggage is delayed.

Trip Delay If your trip is delayed due to covered reasons (for example weather or airline strikes), travel insurance can provide reimbursement for additional expenses like accommodation, meals, and transportation.

Travel Assistance Services Many travel insurance plans offer 24/7 assistance services. This can include help with medical emergencies, travel arrangements, language translation, and more.

Emergency Evacuation   In the event of a natural disaster, political unrest, or other emergencies, travel insurance can cover the costs of evacuating you to a place of safety.

Personal Liability Coverage If you accidentally cause injury to someone or damage their property while traveling, travel insurance can provide coverage for legal expenses and damages.

Specialized Coverage Depending on the type of policy, you may also get coverage for specific activities such as adventure sports, rental car damage, or pre-existing medical conditions.

Requirements for Certain Destinations Some countries may require visitors to have travel insurance as a condition of entry. Having the necessary coverage can save you from potential complications during immigration. Check your destination to be sure. 

What is better? Short-term or annual travel insurance?

Choosing between short-term and annual travel insurance depends on your travel habits and frequency. Some factors to consider: Frequency of Travel If you travel frequently throughout the year, an annual travel insurance policy might be more cost-effective. It provides coverage for multiple trips within a 12-month period, which can save you money compared to buying separate short-term policies for each trip. Compare prices but generally when you have two or more trips a year you are better off taking an annual travel insurance.  Flexibility Short-term policies offer flexibility in terms of coverage and duration, allowing you to tailor the insurance to the specific requirements of each trip. Annual policies may have some limitations on trip duration for each individual trip.

Medical Coverage Check the medical coverage provided by each type of policy. If you have health concerns or anticipate needing medical coverage, make sure the policy you choose provides sufficient and suitable coverage for your needs.

Destination and Activities Consider the destinations you plan to visit and the activities you intend to engage in. Some policies may have restrictions or limitations based on the location and types of activities.

Like always when you choose an insurance, carefully read the terms and conditions of each policy, compare coverage, and assess your travel patterns. If in doubt, consider consulting with an insurance advisor to help you choose the most appropriate option for your specific situation.

What is covered by Travel insurance?

This can vary depending the insurer. But regardless of which travel insurance policy you take out, your cover will always include:

• Loss or theft of luggage
• Assistance in the event of an accident, sickness, hospitalisation or death
• Earlier return journey due to illness or accident
• Extended stay as a result of a natural disaster or strike

Univé’s Travel insurance for Expats

Embark on worry-free adventures as an expat with Univé's Travel Insurance. Life's uncertainties may be as diverse as the paths you tread, but your travels deserve reliable protection.

Whether it's the automatic termination of coverage post-trip or the added benefit of free insurance for children under 4, Univé understands the unique needs of expats like you.

Univé offers both short-term and annual travel insurance. Protect yourself against unexpected events with our basic protection or customize your coverage with extras like roadside assistance and accident payment.

Univé's travel insurance  is your worry-free companion, allowing you to navigate life's twists with ease. Travel confidently and securely—choose Univé and redefine your travel experience.

Recommended insurers

FBTO is a highly-rated Dutch insurance provider where you can adjust coverage to your needs. They offer insurance for your travel, car, house, legal matters, and much more. Visit the website to get a direct quote.

ABN AMRO Bank N.V. is the third-largest bank in the Netherlands. They also have highly rated insurances and mortgages. If you already have an bank account with them, this is the easiest option to get Travel Insurance . For  long and  short term. Check the website for more information.

Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.

Centraal Beheer

Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for travel, home, car, your bike and much more.

InShared was founded in 2009 as an online insurer and became one of the most successful insurers in the online market. The go-to market strategy of online differs a lot from the traditional channels, and within this InShared made some clear choices.

Travelling is ultimately a tool for growth. If you want to venture further, click this banner and take the leap 😉

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Guide To Netherlands Travel Insurance – ALL You Need To Know

If you’re planning a trip to the Netherlands, you’re in for a treat! This tiny nation is home to one of Europe’s coolest cities and some spectacular countryside, as well as some of the friendliest people in Europe. You can easily spend endless days winding along rural routes by bike, wandering around snapping pictures of windmills and smelling the tulips, or chilling in one of Amsterdam’s famous coffee shops and partying until late.

As we always say, there’s so much more to this Western European treasure than Amsterdam. We love this buzzing city, but we urge all visitors to get out and explore as much of the nation as you can! It’s a fabulous country to ease yourself into backpacking around Europe – or simply for a long weekend.

But before you start planning your itinerary around this awesome country, you have one thing to consider: that would be… travel insurance in the Netherlands!

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For The Netherlands?

What should travel insurance in the netherlands cover, what is the best netherlands travel insurance, how to choose the right netherlands travel insurance for you.

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You may well need travel insurance for Holland. Depending on where you’re from, you may need to show proof of insurance. before you can enter. Travel insurance for visitors to the Netherlands is mandatory for all those who require a Schengen visa. Find out if your home country is on the Schengen Visa needed list here . If you are eligible to travel in the Netherlands without a visa or as part of the Schengen free movement agreement, then Dutch travel insurance isn’t mandatory.

So, if you’re not legally required to buy Netherlands travel insurance, why bother? The Netherlands is safe, right? There are no poisonous snakes, no tropical diseases – surely it’s too flat for skiing? Indeed, the Netherlands is remarkably safe. However, if you’re spending most of your time seeing the sights in Amsterdam you’re more likely to run into some trouble. Pick-pocketing, theft and drug-related crimes are pretty common in Amsterdam. You may not know it, but, due to its geography, the Netherlands is vulnerable to the effects of rising sea levels.  It’s unlikely to cause a problem, but it’s worth thinking about travel insurance in the Netherlands in a worst-case scenario.

Ultimately, the choice is yours, although we always recommend erring on the side of caution. At least explore your options and consider even the cheapest the Netherlands travel insurance for peace of mind.

Need more convincing? Check out these other reasons why you should have travel insurance !

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Healthcare in The Netherlands

The Dutch healthcare service frequency tops medical charts both across Europe and worldwide. Most recently, the WHO placed healthcare in the Netherlands at #17. The 2018 Euro Health Consumer Index ranked it at #2. Medical services are efficient, clean and professional. Most doctors speak English, which is handy. Healthcare expenditure in the Netherlands is high. In 2016, the Dutch spent 10.3% of GDP on healthcare – that’s the 8th highest out of EU/EFTA.

The Netherlands operates a universal healthcare service. It’s managed by the government and supplemented by the private insurance sector. Most Dutch hospitals are privately run and split into three types – general hospitals, university hospitals and teaching hospitals. All adults 18+ must have basic medical insurance; that applies to foreigners living and working in the country as well. Those employed by a Dutch company will receive a small percentage of support from their employer.

If you do need to see a doctor while in the Netherlands, medical service is very accessible. In the case of an emergency, call 112 (it’s free), and the advisor will determine whether or not you need an ambulance. In non-emergency instances, you must first be seen by a huisarts (GP), who will then refer you to a specialist. It’s worth noting that Dutch doctors have a reputation for believing that paracetamol cures all , so don’t get too hopeful about antibiotics.

You will not be covered under Dutch medical insurance and will be expected to pay directly or via your travel insurance in the Netherlands. From the EU, EEA, or Switzerland? Snap yourself up a free European Health Insurance Card (EHIC). This makes you eligible for reduced cost or even free emergency treatment. But don’t go crashing your bike just so you can sample the famous Dutch healthcare.

Crime in The Netherlands

The Netherlands wears its reputation for being one of the safest countries in Europe with pride. Dutch people report feeling safe in their country. That covers using public transport and when out and about at night. However, as is the case in most cases, women feel warier of walking alone at night. In recent years, cybercrimes have seen a marginal increase in the Netherlands. Take care to protect yourself with a VPN when browsing the web over unsecured wi-fi networks to combat hackers. Check your Netherlands’ travel insurance policies against cybercrime.

In other news, there have been sharp drops in the levels of property crime, vandalism, and violent crimes. In 2019, only 14% of the Dutch population surveyed reported falling victim to one of these traditional types of crime. As a tourist, property crimes (pickpocketing and bike theft!) are what you’ll need to watch out for. Consider the best travel insurance for the Netherlands to protect against any loss of valuables you’re travelling with. If you are wandering around the Red Light District at night (no judgement here!), take extra precaution against pickpockets.

We all know the Dutch have a tolerant approach to drugs. But you need to get your head around what is and isn’t allowed. Cannabis is decriminalised, but it isn’t technically legal, either. Make sure you don’t carry more than five grams of hash on your person, and you’ll be fine and dandy. Magic mushrooms are illegal, but ‘truffles’ get the green light, within reason. Selling drugs is a major breach of Dutch drugs policy, and your Amsterdam travel insurance won’t help you if you’re caught selling or buying on the street.

Issues Facing Travellers in The Netherlands

Those lucky travellers who are exploring the Netherlands don’t have too much to worry about. One thing to be mindful of is that tour operators and airlines are always at risk of cancelling arrangements. Companies can liquidise overnight, and flights can be grounded due to inclement weather. Earlier this year, Storm Ciara battered The Netherlands with gale force 11 winds and lead to around 500 flights being canceled . You might want to storm-proof your holidays to the Netherlands with some insurance!

Theft is something to be cautious of in the Netherlands. We’ve touched on pickpocketing, but bicycle theft is actually the most common crime in Amsterdam. Over 8,000 bikes were reported as stolen in 2019. As a tourist, you’re very likely to want to hire your own two-wheeler to discover this vibrant city. Theft from cars is the second most common crime, with 4,562 cases reported last year. So whether you hire a bike or a car, consider protecting your goods.

As the Netherlands’ popularity continues to soar, the tourism boom is impacting this terrific destination. Compare Amsterdam’s modest population of 1.1 million with the 17 million tourists who descend on it each year. Do your best to be the conscientious traveller you know you are, and you won’t run into any problems!

Common Activities in The Netherlands

Most visitors to the Netherlands come for cultural immersion, windmills, ‘coffee,’ and oh so pretty tulips. What’s the worst that could happen? Besides that, there are a couple of activities in the region where you might want to think about covering your back with some Netherlands travel insurance.

• Bicycle Rental – you can’t visit the Netherlands and not hire a bike! But before you do, make sure that you have the best insurance for the Netherlands to cover your rented two-wheeler in case someone runs off with it while you’re gorging on Hollandse nieuwe.
• Car rental – check whether a rented vehicle is covered under your Netherlands travel insurance for any damage inflicted by you or a third party. Plus, don’t forget your valuables! If you’re not covered, the car rental service will provide it, but usually, their fees are on the steep side.
• Festivals – including floral parades, the world’s only floating gay parade, and a troupe of musical extravaganzas, the Netherlands caters for the lot! Again, this one is a case of covering your valuables in case a fellow reveller sets their sights on your new iPhone. If you are coming for a festival, book your Amsterdam hostel in advance as they can fill up.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

As a rule, most Netherlands travel insurance will include the following;

Emergency Accident & Sickness Medical Expenses

Baggage and personal property, emergency evacuation and repatriation, non-medical emergency evacuation, trip cancellation, trip interruption.

These are key terms to look out for when comparing insurance policies. Let’s take a closer look at what each one of these actually means.

The headline for most travel insurance policies is emergency medical costs. If you are in a car crash or come down with meningitis, you want to rest easy knowing that any ensuing medical costs will be taken care of.

In case you have never seen a medical bill, let us assure you that they can be expensive. A friend of mine once racked up costs of $10,000 in Costa Rica and then a nasty infection in Thailand cost him $2,000.00 for just 2 days in hospital. Ouch.

Pre-existing medical and health conditions may not be covered or may come at an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage.

Baggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and. Many policies also extend this to cover “on the ground” theft.

The limits on this vary between policies but rarely exceed $1000 with a maximum item value between usually up to $500.

This is fine for many travellers but if you travel with a lot of electrical gear (laptop & camera), you may also wish to think about taking out a separate gadget cover.

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Emergency evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above mentioned car crash is a nasty one and the decision is taken to send you home for further treatment; this will take care of the high, associated costs.

Repatriation is the cost of sending your earthly remains home in the tragic event you die overseas. The costs of this are generally huge, and it is not a burden I would want to leave to my family. Whilst this is rare, every now and then I do come across a Facebook or “Go Fund Me” page for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis. Classic examples are outbreaks of war/civil unrest and earthquakes that decimate infrastructure. In recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evac insurance covers the costs of having to book a last minute flight (which can be expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Being forced to cancel a trip you were looking forward to sucks. But being left out of pocket just rubs salt into that festering wound. Trip Cancellation cover can help you recover non-refundable costs such as booked flights and hotel costs.

Note that you can’t claim under this simply because you changed your mind or broke up with your boyfriend. Acceptable cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong with a part of your trip leaving you out of pocket. For example, when your hotel burns down and you are forced to book another one. Or when your flight home is cancelled and you need a few extra nights at your hotel. These are just a few examples of when you may need to reply on trip interruption.

Anything Else?

The above is what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects and the best Netherlands travel insurance policies may also offer the following;

Adventure Sports and Activities

Note that some travel insurance policies do not cover adventure sports and activities. The definition of adventure sports and activities does vary between providers but for example, can include;

• Paragliding
• Soccer practice….

If you are even considering doing anything physical or outdoorsy on your trip, it is wise to check that your insurance provider is covering it. Broken ankles hurt enough without having a $5k Doctors bill attached to them.

Accidental Death and Dismemberment

This one doesn’t cover any travel related expenses but instead it basically provides you, or your family with some compensation in the event that something awful happens to you. If you die, your loved ones get a payout. Or, if you lose a finger or something, YOU get a payout.

It’s like having a bit of life cover attached to your travel insurance. I know that not everybody is altogether comfortable with the concept of pay-outs for life & limb – I guess it kind of goes something like this;

“Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved son little Jimmy died on his trip to Netherlands. The good news is that we get $10k! Netherlands here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets and some don’t. Those that do, may charge an additional fee, and they generally limit the maximum item value. If you only travel with a phone or tablet, your travel insurer may well cover it entirely. On the other hand, if you are traveling with a decent laptop then you may wish to consider obtaining gadget cover.

I have personally had gadget cover on my MacBook Pro for years.

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It is fair to say that not all insurers are created equal. Some offer lower prices than others and others offer more comprehensive cover. Some are notorious for shirking cover whilst others are applauded for their excellent customer service.

Travel insurers are all the same yet always different, and it is absolutely not the case that any one of them is the best, or is “better” than the others. Insurance is a complex product that takes into account a whole lot of data and a wide set of variables. The “best” travel insurance always depends on where you are going, when you are going there, and ultimately upon you and your needs.

Below, we will introduce a few of the many travel insurance providers on offer. These are firms we have used ourselves over the years.

SafetyWing is a very interesting travel insurance company. They specialise in covering digital nomads and offer open ended cover on a monthly subscription basis. Note that because they are primarily covering digital nomads, they don’t offer much in the way of trip cancellation or delay.

They do however excel on the health side of travel insurance, covering dental and some complimentary treatments, and they even allow young children to be covered for free. If cancellation and delay is not a concern for you or you will be spending some considerable time on your trip, then maybe SafetyWing are right for you.

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

World Nomads

World Nomads travel insurance has been designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption   (“Catastophe”)  – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption  – 100% of cost

Insure My Equipment

Insuremyequipment.com is an online insurer for expensive equipment (like camera gear). You can get specific pieces of gear insured so you know exactly what will be covered. Note that this policy is for your gear only.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more than $3000-$4000 worth of camera equipment or expensive laptops.

Choosing the right travel insurance for your Netherlands holiday is like choosing a wife, it is something only you can decide (unless your Indian in which case your parents will do it) . You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

And of course, you need to ask yourself how much can you afford – how much you can afford to pay for cover, and how much you can afford to be out of pocket in the unlikely event of a claim. Sometimes, the cheapest Netherlands travel insurance will be enough and sometimes it will be worth spending a bit more. Hopefully the information provided in this post will help you to decide – if not, then I just wasted 5 hours of my life in writing it!

Safety in Amsterdam

Where To Stay in Amsterdam

Final Thoughts on The Netherlands Travel Insurance

Nice one, you made it all the way to the end. Now your mind is swimming with all kinds of stats and facts about healthcare, crime, and safety in the Netherlands. When it comes to making that big decision about the Netherlands travel insurance, the ball is in your court. Mull over our advice, shop around, and decide what’s best for you.

And now, over to juicier topics. Where are you going to stay in Amsterdam? Where in the country will you get your Dutch pancake fix? We’ve got heaps of content for you to sink your teeth into to plan the best trip to the Netherlands. Happy travelling, and keep safe!

Aiden Freeborn

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I’ve been wanting to visit Netherlands and also for some guidance. Thanks for those wonderful tips; now I can plan to go there and enjoy a safe and jolly trip.

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Planning a trip to the Netherlands? Whether it’s to visit the fascinating city of  Amsterdam , or one of the other exciting places the Netherlands has to offer, InsureandGo offer a great range of  travel insurance  policies, no matter where you’re going or what you’ll be getting up to.

All of our policies provide cover for  over 50 amazing sports and activities as standard  so you can get up to more on your holiday. We also  consider all medical conditions  and have  no upper age limit , so get in touch today or simply  get a quote online .

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What is covered with our travel insurance to the Netherlands?

As standard, our cover to the Netherlands will include:

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

Do I need a visa for the Netherlands?

No – If you’re a British citizen travelling to the Netherlands with a valid passport, then you won’t need to apply for a visa.

Healthcare in the Netherlands

British citizens should carry their free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC), which can be used in the Netherlands. This will cover any necessary treatments you may receive at public healthcare centres or hospitals on your trip. However, it’s important to remember to still have travel insurance in place to be able to cover the costs of any unexpected medical treatment the EHIC or GHIC might not cover, including repatriation costs.

Find more information about  healthcare in the Netherlands here .

For information about  Amsterdam travel insurance  click the image below:

Or check out our  policy documents  if you still can’t find what you’re looking for.

Can I get assistance if I fall ill or injure myself while in Netherlands?

Yes – In the unfortunate event of needing emergency medical treatment while abroad, our 24-hour assistance team are always on hand to help you.

All our travel insurance policyholders can get access to our specialised team .

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

In this article

Netherlands Travel Insurance for Short-Term Visitors and Tourists

If you are planning a trip to the Netherlands, it can be a little bit of a buzzkill to think of something going wrong and needing medical assistance. However, it is always best to be prepared for anything.

Netherlands travel insurance grants you the security of knowing that if you do need medical assistance during your trip, you will not be met with large unexpected medical bills, which you have to pay out-of-pocket.

Do I Need Travel Insurance for the Netherlands?

If you need a Schengen visa to enter the Netherlands , then you also need travel health insurance. Travel health insurance is an essential part of the Dutch visa application process . Along with all other documents, you need to submit a health insurance policy of at least €30,000 coverage in the Netherlands and the entire Schengen zone.

Companies like Europ Assistance and MondialCare can provide you with the insurance certificate you need when applying for a Dutch visa. These are established leaders in the travel insurance industry, so their policy will be accepted by the Dutch embassy.

If you are a non-EU citizen who is exempt from a visa, such as an American, Canadian, etc., you do not need travel insurance to enter the Netherlands. That said, although it is not an entry requirement, you are still advised to purchase a travel insurance policy because healthcare in the Netherlands for tourists is not free.

If you are an EU/EEA/Swiss citizen, you can use your EHIC (European Health Insurance Card) to receive the same level of healthcare coverage in the Netherlands as Dutch citizens. This means that you would not need to pay for basic doctor’s consultations and treatment, but certain procedures do require you to pay a portion of the cost out of pocket.

If you are moving to Holland to study, work, or another type of long-term visit which lasts more than 180 days, then you should get health insurance for the Netherlands .

Do UK Citizens Need Travel Insurance for the Netherlands

UK citizens travelling to the Netherlands do not need travel insurance to enter. But again, it is highly encouraged to obtain some sort of healthcare coverage, to avoid paying out-of-pocket for any arising medical emergencies. Health insurance options for British citizens travelling to the EU include:

• Global Health Insurance Card (GHIC) , which grants Britons the same health insurance rights in the Netherlands as Dutch citizens.
• Travel health insurance, which covers medical emergencies in all Dutch healthcare providers, private or public. Travel health insurance usually has a more comprehensive scope of coverage (e.g. it also covers treatment in private clinics and emergency evacuations.

Netherlands Travel Medical Insurance Requirements

Travel health insurance for the Netherlands visa applications should fulfil the following conditions:

• Cover at least €30,000 for medical emergencies, evacuation, and repatriation.
• Be valid for the entire duration of your trip.
• Be valid in the Netherlands and the entire Schengen Zone.

Naturally, you can get an insurance policy with additional coverage or a higher policy maximum. This is just the most basic plan which is required for the Schengen visa application .

Looking to Buy the Best Travel Insurance for the Netherlands?

Health Insurance policies for foreigners travelling to the Netherlands that also fulfil Dutch visa and entry requirements can be purchased online from Europ Assistance and MondialCare .

Which Nationals Are Required to Purchase Travel Insurance When Visiting Holland?

• Required to Purchase Travel Insurance for Holland
• Not Required to Purchase Travel Insurance for Holland

What Does Netherlands Travel Medical Insurance Cover?

A basic travel insurance package for the Netherlands covers the following:

• Emergency medical treatment. Travel insurance covers the costs related to emergency medical treatment while you are in the Netherlands. It does not cover routine checkups or treatment related to pre-existing conditions.
• Evacuation and repatriation. Travel insurance reimburses the costs of evacuation if you fall seriously ill while you are in the Netherlands, and need to be transported for treatment elsewhere. It also covers the costs related to the repatriation of remains, in case of death.

Many travel insurance policies also cover trip disturbances, interruptions, or delays, such as:

• Having to cut your trip to the Netherlands short (reimburses non-refundable lost bookings/reservations).
• Flight delay (reimburses the costs related to accommodation, food, transport, related to waiting for a delayed flight).
• Missed flight (reimburses the cost of a missed flight or for alternative transportation to the Netherlands).
• Loss or theft of baggage (reimburses some of the costs of your lost belongings).
• Personal liability. This type of insurance covers any costs which arise if you cause damage to someone’s property or person while you are in the Netherlands.

Naturally, the exact coverage depends on your personal preference. Many travellers choose to purchase only travel health insurance, especially if they have refundable bookings or if their trip did not cost that much.

Where Can I Get Netherlands Travel Insurance?

You can purchase travel health insurance for the Netherlands online. Companies like Europ Assistance and MondialCare  are some of the leading providers of Schengen travel insurance. Their insurance policies are also accepted at Dutch embassies for visa applications.

Although online is the easiest method, you can also purchase travel insurance from a local travel insurance company.

How Does Netherlands Travel Insurance Work?

Travel medical insurance for the Netherlands can work in two ways:

• Direct billing, in which case you present your travel health insurance card to your healthcare provider in the Netherlands, and they bill the insurance company directly. If this is not possible, then you have to pay the cost yourself initially and be reimbursed.
• Reimbursement, in which case you pay your medical bills out-of-pocket, and then send the bills, receipts, and prescriptions to your insurance company. This is called making a claim. The insurance company then reimburses you, according to the policy conditions.

How Much Does Netherlands Travel Insurance Cost?

Netherlands travel health insurance policies can be as cheap as €20 per person for a one-week trip. Naturally, with higher policy maximums, coverage, and longer trip duration, the price increases.

Europ Assistance and MondialCare offer low-cost travel insurance, which (in addition to the Netherlands) covers the entire Schengen Area, as well as Bulgaria, Romania, Croatia, Cyprus, and Ireland (if you decide to extend the scope of your trip).

Healthcare for Tourists in the Netherlands

Tourists in the Netherlands do not have access to free healthcare, even in public hospitals and clinics.

Dutch citizens and legal residents in the Netherlands have their medical costs covered by the Dutch National Health Service. While it is universal (everyone must have at least basic coverage) it is not entirely free. Everyone has to pay for a basic plan each month, so when they need medical treatment, their costs are covered.

However, because tourists do not pay for Dutch health insurance, they have to pay for all doctor’s visits, consultations, and medical treatment. This is why, to cover any arising medical costs, tourists need to have travel health insurance.

If you need medical assistance in the Netherlands:

In emergency situations, you have to call 112. This is the number for all emergency services, like the ambulance, police, fire department, etc. The operators can also speak English. You may also go to the A&E department of the hospital (accident and emergencies), but only if you have a life-threatening situation.

In non-emergency situations, you have to consult a GP. You have to make an appointment beforehand. Your hotel should refer you to which doctor you can see and help you arrange a visit. If you have Dutch friends or relatives, you can access their GP.

Netherlands Travel Safety Tips

The Netherlands is a relatively safe country to visit, however, just as anywhere else in the world, you should exercise caution. Keep in mind the following when travelling to the Netherlands:

• Keep your belongings close to you in crowded tourist areas. Pickpockets and thieves are known to target high-density areas such as cafes and restaurants, tourist attractions (like the red light district), public transportation, and Central Station.
• Be aware of scams. A known scam is one in which thieves will pretend to be plainclothes police, and ask for your wallet with the pretext of looking for counterfeit money or credit cards.
• Stay away from dark and empty streets or alleys. If you are not familiar with a territory, avoid walking alone very late at night or when no one is around.
• If you are travelling during the summer, wear a hat and sunglasses to avoid sunburns and a trip to the doctor.
• Drink a lot of water to avoid dehydration during sightseeing.

Other travel insurance guides

Spain Travel Insurance , Germany Travel Insurance , France Travel Insurance ,  Italy Travel Insurance ,  Switzerland Travel Insurance , Greece Travel Insurance , Portugal Travel Insurance ,  Europ Assistance.

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Short-term travel insurance

Good cover for a single holiday, calculate premium, file a claim, why you should take out short-term travel insurance.

How nice that you’re going on a trip! If you travel for a single holiday, be sure to take out short-term travel insurance in the Netherlands. The standard cover gives you everything you need for a well-insured holiday, such as cover for medical costs. And if you have children younger than 5, they are automatically covered at no extra charge. If you go on holiday several times a year, it is usually cheaper to arrange a continuous travel insurance.

• Standard or comprehensive cover

Standard cover

• Medical expenses
• Accident cover; for death €10,000 , for permanent disability €30,000 per insured person
• Luggage up to €1,400 per insured person
• Mobile devices up to €175 per trip
• Jewellery, glasses and contact lenses up to €175 per trip
• Photo and video equipment up to €500 per insured person per trip
• Computer equipment up to €500 per insured person per trip

Comprehensive cover

• Accident cover; for death €15,000 , for permanent disability €50,000 per insured person
• Luggage up to €3,200 per insured person
• Mobile devices up to €350 per trip
• Jewellery, glasses and contact lenses up to €350 per trip
• Photo and video equipment up to €1,150 per insured person per trip
• Computer equipment up to €1,150 per insured person per trip
• Cash up to €250 per trip

Apply for your short-term travel insurance in 3 steps

Your details.

Tell us who you want to insure. You can insure other family members besides yourself.

Select your cover

Select the area of cover. If you choose Europe, you can choose between standard and comprehensive cover. You can also opt for additional cover.

Calculate your premium

You will now see what premium you will pay. Does that look OK? You can now log in and apply directly.

Choose additional cover for your trip

Cancellation fees.

This cover insures you if you have to cancel or cut short your trip.

Winter sports

You are well insured in case of accidents, damage and theft during your winter sports trip.

Europe or World cover?

Whether you like to stay within Europe or prefer to travel around the world, we offer cover for every traveller. Europe cover includes:

• All countries of Europe, including Russia to the eastern border of the Urals
• Countries around the Mediterranean: Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Tunisia, Turkey
• Spanish islands (Balearic Islands, Canary Islands)
• Portuguese islands (Madeira/Porto Santo, Azores)

Short-term: what is covered and what is not?

You are insured for things such as:.

• Loss or theft of your luggage
• Assistance in the event of an accident, sickness, hospitalisation or death
• Early return home due to illness or an accident
• Longer stay due to a natural disaster
• Damage to your tent during your trip

You are not insured for things such as:

• Loss or damage caused intentionally
• Loss or damage caused under the influence of alcohol, drugs or medication
• Loss or damage caused by a dangerous sport
• Loss or damage during business trips
• Unnecessary medical costs

Bad luck during your holiday

Naturally, you would prefer to go on holiday without worries. Still, you may fall ill during your holiday, have your flight cancelled or your belongings may be damaged. We will be happy to help you if this happens. See what we can do for you in such situations.

Useful information

Credit card.

Taking a credit card with you when travelling is always handy. For example, if you want to rent a car.

Package discount

If you take out three or more policies, you will receive a 3 to 5% package discount.

Stand-By service

You can block all your cards, credit cards and SIM card with a single phone call.

More information

Find out the maximum compensation you can receive in the event of a claim .

The  list of depreciation  (in Dutch) indicates the average life and annual depreciation rate for each product.

Check out the differences between the standard and comprehensive cover options.

Premium Your premium depends on the following:

• The number of people travelling
• The length of your trip
• European or worldwide cover
• Winter sports or underwater sports cover

Excess The standard excess on luggage and cash is €50 per event. Policy fee You will pay €3.50 for each policy.

Insurance tax You do not pay any insurance tax.

Commission ABN AMRO Bank N.V. provides personal customers with non-life insurance products on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 25% of the premium for this. The exact commission is stated in the premium calculation. You can read more about our services on our  non-life insurance information sheet .

• Minimum of 3 days.
• Maximum of 180 days.

In the case of a delay, illness or accident while on holiday, the insurance will be extended at no additional charge.

Read the terms and conditions carefully first so you have all the information you need before you decide. 

Want to check the most relevant cover information? You can find it in the insurance card. It has been drawn up in accordance with European guidelines. So you have a handy overview to help you compare insurance policies.

• Short-term travel insurance card

Insured amounts

Term of this insurance, terms and conditions and insurance card, frequently asked questions, other useful info.

• Take out short-term travel insurance
• Terms and conditions
• Travel insurance and coronavirus
• View insurance
• Submitting a claim
• Cancel insurance

• About Chubb
• Company Details
• Report a Complaint

Travel insurance

Whether you're off on a short trip, a two week holiday or a backpacking adventure, you can choose the travel insurance cover that matches your trip. There is no need to pay for cover you simply do not need. We will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.

We also offer travel insurance for foreign students in Europe and for students taking up an internship abroad.

We will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.

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Leisure travel.

Leisure Travel for individuals & families

Top Travel Insurances for the Netherlands You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The Netherlands is a small country with an outsized reputation among tourists and expats. It's known for its picturesque flat landscapes, charming city centres, relaxed social policies, and a laid-back rural culture filled with windmills, tulip fields, cheesemakers, and sailboats. Although travelling to the Netherlands can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the Netherlands and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Netherlands Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the Netherlands:

Best Travel Insurances for the Netherlands

• 01. Should I get travel insurance for the Netherlands? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to the Netherlands scroll down

Heading to the Netherlands soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for the Netherlands?

No, there's currently no legal requirement to take out travel insurance for travel to or through the Netherlands.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Holland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the Netherlands:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to the Netherlands. It lets you choose between various plans tailored to meet the specific needs of your trip to the Netherlands, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the Netherlands:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the Netherlands? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Holland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for the Netherlands. However, we strongly encourage you to do so anyway, because the cost of healthcare in the Netherlands can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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The Guide to Travel Insurance for Trips to Europe

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How travel insurance works

How to choose between travel insurance companies, best plans for health insurance while traveling in europe, other tips for travel and medical insurance in europe, which credit cards offer europe travel insurance, travel insurance for europe recapped.

Traveling abroad can be an exhilarating adventure, especially when you’re heading to Europe. Whether you’re in the mood for an eclair or want to take in the Colosseum, making your way over to Europe involves a lot of moving parts.

That’s why travel insurance can be so beneficial. With protections such as trip delay reimbursement and coverage for lost luggage, travel insurance can help make sure your trip stays smooth.

What’s more, several plans include travel health insurance in Europe, so you can worry less about whether that hike through the Alps is a good idea.

Let’s take a look at travel insurance in Europe as well as other coverage options for your vacations.

Because a lot of thought, money and effort go into planning and taking a vacation, protecting your investments (and yourself) with travel insurance can make the difference between an enjoyable memory and a disastrous anecdote you tell at mealtimes.

Travel insurance can cover a variety of things, including:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

Trip cancellation, trip delay, trip interruption and lost luggage insurance are all sources of protection when you travel, especially on airlines. These can reimburse you for nonrefundable expenses you miss out on due to covered delays, and may pay you back for costs you end up incurring (including lodging, meals, toiletries and clothing).

Although it’s possible to get standard health insurance for trips abroad, it’s much more common to get coverage for emergency care, which includes protections for unexpected injuries and illnesses.

Health insurance for European travel is usually included with a standard travel insurance policy, but there are plan limits and there may be deductibles.

It’s also possible to purchase medical-only travel insurance from certain providers if you aren’t interested in other trip protections.

» Learn more: How to find the best travel insurance

Before you start shopping for travel and medical insurance in Europe, evaluate the level of coverage you need based on your age, health, trip duration, destination and planned activities (some adventure sports aren't always covered). Compare plans from different providers, paying attention to coverage, benefits and prices.

Here's a short list of factors to consider:

The cost of the policy. 

The limits of the plan.

Whether there are deductibles.

Whether the benefits are primary or secondary.

Where you’re going. 

How long your trip is.

Whether you already have insurance that’ll cover you.  

The types of activities you’ll be doing. 

An insurance aggregator like InsureMyTrip or Squaremouth (a NerdWallet partner) can streamline your shopping experience. Be sure to also read reviews and ratings of individual travel insurance companies to get an idea of customer service and claim resolution processes.

» Learn more: The best travel insurance companies

To figure out the best plans for travel and health insurance in Europe, we generated quotes from multiple travel insurance companies using a test scenario. For this example, we used a 37-year-old Nevada resident traveling to Germany for 11 days with a $4,000 trip cost. Here are the winners.

GeoBlue’s Voyager Choice medical insurance for European travel sits head and shoulders above the rest for cost, at only $28.16.

That said, there's a reason it is so affordable. This plan offers coverage only for medical emergencies and lacks other trip protections. It is a good option if you want to supplement existing travel coverage (say via your credit card ) with more medical coverage.

$1 million in medical coverage.

$0 deductible.

Offers direct billing.

No trip protections.

Pre-existing condition coverage requires that you have domestic health insurance.

Can only purchase plans up to six months in advance of your trip. 

» Learn more: Read our full GeoBlue travel insurance review

IMG’s iTravelInsured Travel SE’s comprehensive plan includes both trip protections and health insurance for Europe travel and rings in at just $135.36.

At this price point, it provides excellent primary coverage for medical insurance, offers rental car insurance and includes superior trip interruption reimbursement.

$250,000 in medical coverage.

$40,000 in rental car insurance. 

Pre-existing conditions covered. 

Travel delay reimbursement kicks in after 12 hours. 

Baggage loss is capped at $250 per item and $1,500 total.

More expensive than other options. 

» Learn more: Read our full review of IMG travel insurance

3. Detour Insurance

The Detour Insurance @The Edge insurance plan is aptly named. Costing $86.90, the plan offers a unique inclusion for the costs of search and rescue, which can provide peace of mind if you're participating in backcountry adventures.

$1 million limit for medical evacuation. 

Coverage can be extended. 

$10,000 for search and rescue. 

No rental car insurance. 

Pre-existing conditions not covered. 

$50,000 limit for 24-hour accidental death and dismemberment (AD&D) coverage. 

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

4. Trawick International

Trawick International’s Safe Travels Protect plan includes primary medical coverage as well as a wide range of trip protections. At $100.03, it even covers cancellations for medical reasons.

$25,000 in emergency medical coverage.

100% for both trip cancellation and trip interruption. 

Medical quarantine coverage included. 

$100 medical deductible.

$500 lost luggage limit (not a great fit if you are packing several valuables).

Doesn’t cover pre-existing conditions. 

» Learn more: Read our full Trawick International review

Do you have a travel credit card ? Many of these cards offer complimentary travel insurance as a part of their benefits. 

The plan you select may offer secondary coverage, but this matters only if you have existing insurance. In its absence, secondary coverage becomes primary. 

Look at your existing health insurance policy. Some plans will provide emergency coverage for you when traveling internationally. 

If you’re planning on heading for the Dolomites or other European mountains for winter sports, be sure that your travel insurance covers adventure activities; not all do. Travel insurance can rescue a ski or snowboard trip , but read the fine print to see what exclusions apply before you purchase a policy. 

» Learn more: 5 tips before buying Schengen visa travel insurance

If you’re looking for insurance when traveling to Europe, you may already have it without knowing. Many travel credit cards offer complimentary travel insurance.

Available types of insurance can include rental car insurance, emergency medical insurance, trip cancellation reimbursement, lost luggage protection and trip delay insurance.

Here are some of the best credit cards for travel insurance:

on Chase's website

on American Express' website

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

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

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

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

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

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

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

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

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

Terms apply.

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

• Trip cancellation: Up to $2,000 per person for nonrefundable airline, bus, train or ferry tikets.

• Trip interruption: Up to $2,000 per person for nonrefundable airline, bus, train or ferry tikets.

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

» Learn more: How to choose a credit card for Europe travel

Staying safe is important during your trip to Europe. Health insurance for travel can make a difference, especially if you’re planning on doing anything adventurous. The same can be said for other trip protections, which reimburse you for covered expenses that you incur.

Insurance Benefit: Trip Delay Insurance

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

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

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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

Insurance Benefit: Baggage Insurance Plan

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

Underwritten by AMEX Assurance Company.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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.

• 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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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

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1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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8 Cheapest Travel Insurance Companies Worth the Cost

Trawick International »

World Nomads Travel Insurance »

AXA Assistance USA »

Generali Global Assistance »

Seven Corners »

Allianz Travel Insurance »

IMG Travel Insurance »

WorldTrips »

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 Cheapest Travel Insurance Companies.

Table of Contents

• Trawick International
• World Nomads Travel Insurance
• AXA Assistance USA

There are plenty of smart ways to save money on your travel plans, but refusing to buy travel insurance isn't necessarily one of them. Not having travel insurance can mean being on the hook for exorbitant medical bills or costs for emergency transportation if you become sick or injured during your trip. You could also face significant financial losses if your trip is delayed or your bags are lost or stolen, and without travel insurance you won't have a third party to rely on for assistance.

Buying affordable travel insurance makes more sense than skipping this coverage altogether, so read on to find out which companies offer the cheapest plans and all the protections you can get for a low cost.

How We Chose the Cheapest Travel Insurance Companies

To determine the cheapest travel insurance companies, U.S. News created sample traveler profiles for three separate eight-day trips to different destinations (the Cayman Islands, Spain and California) at a range of price points ($6,500, $10,500 and $8,500, respectively). We used that information to get quotes for the cheapest option for 100% trip cancellation coverage for each trip. We then calculated the average cost of the trips.

The travel insurance companies that made our ranking have a high credit rating and offer the lowest average cost, outlined below. (Note: The sample average costs are not price quotes from U.S. News. To find a travel insurance price quote, use the "View plans" link to enter your trip details and find more information.)

• Generali Global Assistance
• Seven Corners
• Allianz Travel Insurance
• IMG Travel Insurance
• Trip cancellation coverage (up to $30,000) for 100% of the insured vacation
• Trip interruption coverage (up to $30,000) for 100% of the insured vacation
• Trip delay coverage worth up to $1,000 ($150 per day for delays of 12 hours or more)
• $750 in coverage for lost and damaged luggage; $200 for baggage delays
• Up to $500 in coverage for missed connections of three hours or more
• Up to $50,000 in emergency medical coverage ($750 sublimit for emergency dental)
• Up to $200,000 in coverage for emergency medical evacuation
• Up to $2,500 of trip protection for cancellation or interruption
• Up to $1,000 in coverage of lost, stolen or damaged baggage; up to $750 for baggage delays on your outward journey
• Up to $100,000 in emergency medical insurance; $750 dental sublimit
• Up to $300,000 in coverage for emergency medical evacuation
• 24-hour travel assistance services

SEE FULL REVIEW »

• Up to 100% coverage for trip cancellation and interruption
• Up to $500 in coverage for trip delays ($100 per day)
• Up to $500 in coverage for missed connections
• Up to $25,000 in coverage for emergency medical expenses
• Up to $100,000 in coverage for emergency medical evacuation
• Up to $750 in coverage for baggage and personal effects; $200 for baggage delays
• Up to $10,000 in coverage for accidental death and dismemberment (AD&D)
• Up to $25,000 in coverage for common carrier AD&D
• Coverage up to 100% of the insured vacation for trip cancellation
• Up to 125% of the insured vacation cost for trip interruption
• Travel delay coverage worth up to $1,000 per person ($150 per person daily limit)
• Up to $1,000 per person for lost, damaged or stolen bags; $200 per person for baggage delays
• Up to $500 per person for missed connections
• Up to $50,000 in emergency medical and dental coverage
• Up to $250,000 in coverage for emergency assistance and transportation
• AD&D coverage for air travel worth up to $50,000 per person ($100,000 per plan)
• Trip cancellation coverage up to $30,000
• Trip interruption coverage up to 100% of the cost of the trip
• Trip delay coverage worth up to $600 (for six-hour delays; $200 limit per person per day)
• Lost, stolen or damaged baggage coverage up to $500
• Baggage delay coverage worth up to $500 (for six-hour delays; $100 per day)
• Missed cruise or tour coverage worth up to $500 ($250 per day)
• Emergency accident and sickness medical coverage worth up to $100,000 (secondary coverage)
• Up to $750 in emergency dental coverage
• Up to $250,000 in protection for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to $10,000 per traveler
• Trip interruption coverage worth up to $10,000 per traveler
• Travel delay coverage worth up to $300 ($150 per day)
• Luggage loss and damage protection up to $500 per traveler
• Baggage delay coverage worth up to $200 per day
• Emergency medical and dental coverage up to $10,000 ($500 for dental expenses)
• Emergency medical transportation coverage worth up to $50,000
• 24-hour hotline assistance
• Up to 100% in coverage for trip cancellation
• Trip interruption benefit worth up to 125% of the trip cost
• Up to $500 for travel delays per person ($125 daily maximum per person)
• Up to $750 for lost, damaged or stolen bags ($250 maximum per item)
• Up to $150 in luggage delay coverage
• Up to $100,000 in emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to 100% of trip cost (up to $10,000)
• Trip interruption coverage up to 100% of trip cost
• Up to $500 in coverage for travel delays (five-hour delay required; $100 daily limit)
• Coverage worth up to $1,000 for lost, damaged or stolen baggage ($250 per item)
• Coverage worth up to $200 for baggage delays of 12 hours or more
• Up to $250 in coverage for airline reissue or cancellation fees
• Up to $250 in coverage for reinstatement of frequent traveler awards
• Emergency medical and illness coverage worth up to $10,000
• Up to $500 in coverage for emergency dental expenses
• Up to $250,000 in coverage for emergency medical evacuation and repatriation of remains
• AD&D coverage worth up to $10,000
• Travel assistance services

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

Holly Johnson

These are the scenarios when travel insurance makes most sense.

9 Best Travel Insurance Companies of 2024

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

The 5 Best International Travel Insurance Companies for 2024

International travel insurance is a must-have for every trip abroad, and for more reasons than one.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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