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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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Table of Contents

The 11 best annual travel insurance policies, what is annual travel insurance, is annual travel insurance worth it, how much do annual travel insurance policies cost, does credit card travel insurance apply annually, choosing an annual travel insurance policy, final thoughts.

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

GeoBlue Trekker Choice

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

GeoBlue Trekker Essential

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

Trawick International Safe Travels Annual Deluxe

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

Allianz Travel AllTrips Basic Plan

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz Travel AllTrips Prime Plan

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

Allianz Travel AllTrips Executive Plan

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz Travel AllTrips Premier Plan

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

AIG Travel Guard Annual Travel Insurance Plan

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity Voyager Annual Travel Insurance

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

Seven Corners Travel Medical Annual Multi-Trip

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

A Plan That Didn’t Make Our List

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

How Annual Travel Insurance Works

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

When To Buy an Annual Travel Insurance Policy

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

What Annual Travel Insurance Policies Do and Don’t Cover

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Understanding Trip Length Rules

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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The Best Annual Travel Insurance Plans (2024)

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

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.

Annual travel insurance can provide travelers with protection for multiple trips in one year. After researching and reviewing travel insurance companies nationwide, the MarketWatch Guides team found that Seven Corners and Trawick offer the best annual travel insurance plans. International Medical Group, Allianz and AIG Travel Guard also offer annual plans worth considering.

What Is Annual Travel Insurance?

Annual travel insurance — also known as multi-trip travel insurance — can protect multiple trips over a year. For frequent travelers planning several vacations in a year, an annual travel insurance plan can offer a more economical option than purchasing multiple single-trip policies. With annual travel insurance, you should only pay one premium for a year’s worth of coverage.

While each annual travel insurance plan varies by provider, you may find that per-trip or yearly coverage limits apply rather than item-specific limits. In addition, some coverages found with single-trip policies are not typically included in an annual travel insurance plan, such as trip cancellation insurance, baggage loss and rental car coverage. Providers may also not offer the option to add cancel for any reason (CFAR) coverage with an annual plan. Annual travel insurance usually focuses more on medical protection versus a broader range of coverages, based on our assessment.

The 5 Best Annual Travel Insurance Plans

Based on our team’s extensive research on annual, multi-trip travel insurance plans, we’ve named the following as our top picks. 

• Seven Corners : Trip Protection Annual Multi-Trip
• Trawick International : Safe Travels Annual Basic
• International Medical Group (IMG): Patriot Multi-Trip Travel Medical
• Allianz Travel Insurance: AllTrips Premier
• AIG Travel Guard: Annual Plan

Seven Corners Travel Insurance

Why We Picked Seven Corners

Seven Corners provides annual coverage through its Trip Protection Annual Multi-Trip plan. The plan includes COVID-19 protection, trip cancellation insurance and pre-existing condition coverage as standard, and allows for unlimited trips lasting 40 days or less throughout your policy term. You can also customize your annual trip cancellation limit, with up to $10,000 in total benefits.

Pros and Cons

Trawick international.

Why We Picked Trawick

If you’re looking for basic coverage at a low cost, Trawick International offers its Safe Travels Annual Basic plan for a flat rate of $155 per person. Coverage extends up to 30 days for each trip taken more than 100 miles from home during your coverage period and can apply to both U.S.-based and international trips. While Trawick features lower coverage limits than other providers on our list, it offers 100% trip cancellation coverage at no additional cost.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) provides the highest medical coverage maximum of all the providers on our list through its Patriot Multi-Trip Travel Medical plan. The policy offers protection of up to $1 million after paying a $250 deductible for medical benefits, dental, emergency medical evacuation and more. IMG also provides medical and emergency medical evacuation coverage if you have a sudden and unexpected recurrence of a pre-existing condition. Note that you can upgrade your plan to allow for 45 days of coverage per trip versus 30 days.

Allianz Global Assistance

Why We Picked Allianz

The Allianz AllTrips Premier plan provides annual travel insurance coverage for your entire household through one plan — regardless of whether you travel separately or together. The plan includes trip cancellation and interruption benefits as standard coverage, but you can customize the coverage limits at an additional cost. The AllTrips Premier plan also provides rental car coverage, which most providers in this review lack.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard (AIG) offers one annual travel protection policy, called the Annual Plan. It provides non-flight accidental death and dismemberment coverage up to $50,000, which is not typically included in other yearly policy offerings based on our review. AIG also offers up to $100,000 specifically for security evacuations. Note that there is no age limit to purchasing a policy — the only requirements include holding U.S. residency and buying the policy no later than 24 hours before departure.

Compare Annual Travel Insurance Plans

You can refer to the table below for a side-by-side comparison of our team’s picks for the best annual travel insurance policies.

* Our team gathered quotes from each provider’s website for the above-listed plans based on a 30-year-old sample traveler.

How To Choose an Annual Travel Insurance Plan

There are several steps you can take to help make the process of choosing an annual travel insurance plan easier while ensuring you pick the right plan for your needs as a traveler.

First, it is best practice to research providers before choosing an annual travel insurance plan. Not all travel insurance providers offer this type of policy, and for the ones that do, we recommend you consider industry and customer reputation when making a decision. Note the coverage limits, medical benefits and any additional add-ons each company offers. While the providers listed in this article are our top picks for annual coverage, every traveler’s needs and best-suited plan will vary.

If you have your travel itinerary for the year mapped out and know what you’re looking for in terms of coverage, consider an annual plan that aligns with your needs and concerns. For example, if you have a pre-existing medical condition , you may consider a provider that provides a pre-existing condition waiver and high medical coverage limits. If you’re more concerned about cancellation coverage, you may choose a plan that offers this type of protection, which not all companies include in their annual plans.

How Does Annual Travel Insurance Work?

Annual travel insurance works by covering a traveler during multiple trips over the course of a year. There’s usually no limit to the number of trips you can take during this time. However, companies do include limits on how long each trip can last under coverage. This limit varies by provider, but a standard threshold is a maximum of 90 days based on our review.

Some annual travel insurance benefits work on a per-trip or per-year basis. For example, a yearly plan may have a baggage loss limit that resets every trip, while it sets separate limits for trip interruption benefits for an entire year of travel. Plans are typically non-renewable, so once your coverage is up, you would have to buy a new plan to cover another year of travel.

After purchasing a plan, coverage begins on the effective date, which your provider should list within your policy documents. Coverage ends on your policy’s expiration date, which your provider should also detail within your policy. How long coverage extends per trip, and the associated coverage levels, will depend on your provider.

We recommend you read your policy carefully to ensure you fully understand the applicable limits of your annual travel insurance plan.

Benefits of Annual Travel Insurance

The benefits of an annual travel insurance plan include low costs compared to purchasing individual plans, convenience and consistent coverage across all of your trips. Learn more in the sections below.

Cost-Efficiency

Annual travel insurance plans are often more cost-efficient than several single-trip policies, according to our quote collection process. If you’re taking more than one or two trips within a year and looking for coverage on a budget, you may consider an annual travel insurance policy.

Convenience

Purchasing one travel insurance policy to cover a year’s worth of multiple trips is easier than buying several single-trip policies. You only need to worry about one set of terms, conditions, policy limits and more instead of juggling multiple plans.

Consistent Coverage

An annual travel insurance policy can ensure that coverage stays consistent throughout your travels. You can take trips of varying lengths to different destinations, but your coverage and benefits should remain the same within your term limits.

Drawbacks of Annual Travel Insurance

As with most types of insurance, there are both pros and cons to annual travel plans. These drawbacks include limited benefits and a variety of exclusions, which we’ll detail below.

Variety of Exclusions

Many providers do not include trip cancellation coverage if you purchase a basic annual policy. While some providers allow you to add these benefits to annual policies for an extra cost, coverage is not typically included as standard as with a single-trip policy.

Offers Lower Limits

Annual travel insurance limits are often lower than with a single-trip policy. If you’re looking to insure a costly trip or need a plan with high medical coverage limits, you may want to consider a single-trip plan instead.

Annual Travel Insurance vs. Single Trip Travel Insurance

You will likely notice differences and similarities when comparing annual travel insurance versus single-trip travel insurance policies. For one, both yearly and single-trip policies usually bundle travel medical, emergency medical evacuation, baggage loss, baggage delay and travel delay coverage within a standard policy . Single-trip policies, however, often include trip cancellation benefits, which many annual policies only offer as an add-on.

Both annual travel insurance and single-trip policies limit the length of trips covered. For yearly plans, limits can range from 30 to 90 days for a single trip, and you’ll need to head back to your home base in between trips. For a single-trip policy, plans often limit trip length to no longer than 180 days.

Cost Differences Between Annual and Single-Trip Travel Insurance

Annual multi-trip policies can be more cost-effective than single-trip coverage for frequent travelers, based on our review. Typically, single-trip policies may benefit travelers taking one or two trips in a year. Annual travel insurance is usually more suited for those who travel often, taking upwards of three trips or more within a year’s time.

There are times when a single-trip plan may better suit your needs compared to an annual policy. For example, if you are taking high-end, luxury trips with a high overall cost, you may benefit more from single-trip policies for each trip with high cancellation and interruption limits.

Who Needs Annual Travel Insurance?

Various types of travelers could benefit from an annual coverage plan. A multi-trip travel insurance plan is worth considering if you travel frequently for business or pleasure and do not need coverages such as trip cancellation insurance. Annual insurance may also suit travelers who like to take last-minute trips or longer vacations, as having an annual travel insurance plan in place can offer more convenience.

Annual plans are also worth considering for lower-cost trips where the primary concern is covering a potential medical emergency. As mentioned, annual plans do not usually offer trip cancellation coverage as a standard inclusion. However, they typically include medical expenses and emergency medical evacuation coverages — ideal for those looking to protect their health versus trip expenses during their travels.

If you’re taking expensive or high-value international trips throughout the year, you may prefer a single-trip policy for the trip cancellation benefits that come with each plan. Or, if you’ve booked a variety of non-refundable expenses, such as hotel or tour reservations, a single-trip plan with cancellation coverage may also better suit your needs.

What Does Annual Travel Insurance Cover?

Annual travel insurance policies offer a variety of coverages to offer financial protection if  unexpected events occur. From medical emergencies to travel inconveniences, yearly plans can provide comprehensive coverage for peace of mind.

Exclusions and Limitations of Annual Travel Policies

Annual travel insurance policies usually have the same exclusions as single-trip policies. Typically, pre-existing medical conditions are not covered. Still, some providers offer a waiver to extend coverage for medical bills or claims related to your recent medical history. Standard annual policies don’t cover adventure sports, but this coverage is often available as an add-on. Moreover, “foreseeable” events, such as natural disasters or named storms that began before you purchased your policy, are also excluded from annual travel coverage.

The coverage provided through an annual travel insurance policy also has limitations. For example, travel medical expenses and emergency medical evacuations have capped monetary limits. If the medical bills incurred during your travels cost more than the coverage you’ve purchased through your policy, you will have to cover the excess out-of-pocket. In addition, trip interruption benefits will cover a percentage of your non-refundable travel expenses, with the amount depending on your plan and provider.

According to Angela Borden, Product Marketing Specialist at Seven Corners, “One of the most common reasons for a denied claim is because a traveler misunderstood the details of their plan. If you have any questions about what’s covered, contact your provider. They’ll be able to address any concerns so that you can travel more confidently.”

We recommend you read through your annual travel policy documents thoroughly to understand the exclusions and limitations associated with your coverage. 

How To Buy Annual Travel Insurance

Purchasing an annual travel insurance policy is usually a straightforward process, as most providers allow you to get a quote and buy a policy entirely online. However, there are some specifics to pay attention to when purchasing a policy. 

Coverage Start and End Dates Vary

It is best practice to pay attention to when your coverage starts and ends with your chosen policy. Most providers specify the start date as when you begin your travels. Plans will likely end a year after your start date or when your benefits are exhausted, whichever comes first. Coverage for each trip cannot exceed the specified maximum length outlined in your policy, so take note of the stipulations around coverage start and end dates.

Understand the Claims Process

It can help to understand how to file a claim with your provider before an emergency occurs during your travels. Many companies allow you to file a claim online, but you can often speak with a claims representative during specified hours if you’d prefer to talk to someone over the phone. You’ll likely have to provide documentation for your claims, so we recommend you keep all receipts and other necessary documents during your travels.

Look for Add-On Options

Some annual travel insurance providers offer optional add-on coverages for an additional cost. You may find that you can customize your coverage limits as well. For example, Allianz and Seven Corners allow you to choose your trip cancellation coverage limits, but increasing the amount can result in an additional cost. Other companies, such as IMG, provide adventure sports riders for those looking to participate in activities such as paragliding, skydiving, windsurfing and more.

Is Annual Travel Insurance Worth It?

Annual travel insurance plans can be worth it for certain travelers . If you travel frequently for business or pleasure and prefer consistent, cost-effective insurance protection, an annual multi-trip policy may be the right choice for you over a single-trip policy. However, examining your unique coverage needs can help you better gauge whether you need a yearly policy.

“When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it. Travel insurance can reimburse you for prepaid, nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason. This means you get money back in your pocket if the unexpected happens. Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip.” Angela Borden, Product Marketing Specialist at Seven Corners

We encourage you to gather multiple annual travel insurance quotes from various providers, comparing the costs and coverage limits on each policy. This can help you choose the coverage that best fits your needs.

Frequently Asked Questions About Annual Travel Insurance

What is the difference between annual multi-trip and long-stay trip insurance.

Annual multi-trip travel insurance covers multiple short-term trips — usually lasting 90 days or less — over the course of a year. Comparatively, long-stay trip insurance protects extended trips to one location and can be ideal for those working or studying abroad , taking a gap year and more.

Is an annual travel insurance plan worth it?

Annual travel insurance plans can be worth it for people who travel frequently and want affordable, consistent protection throughout the year. It may not be worth it for travelers looking for protections such as CFAR coverage or general trip cancellation benefits.

How much does annual trip insurance cost?

The average cost of annual trip insurance can range from $155 to $485 , based on quotes we gathered for multiple companies. The cost of an annual trip insurance policy will depend on factors such as your chosen plan, provider, coverage limits, add-on coverages and more. The best way to learn how much an annual multi-trip plan will cost you is to obtain free quotes from multiple providers.

Methodology: Our System for Rating 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 .

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

9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

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

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All you need to know about annual travel insurance policies

As demand for travel soars and everything from weather to staffing issues leads to higher prices and cancellations, it's more important than ever to protect your trip arrangements with travel insurance .

However, it's not always easy figuring out which type of plan to pick. There are standard policies that cover general delays, interruptions and cancellations; "cancel for any reason" plans that account for personal whims in addition to unforeseen circumstances; and lesser-known annual options.

In this article, I'll go over what you need to know about the third type: annual travel insurance coverage.

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What is annual travel insurance?

Annual travel insurance plans (also known as multi-trip plans) last for one year and generally cover all trips taken within that period until either the policy expires or the maximum payout amounts are reached. The policy usually kicks in for trips that take you more than a certain distance from home.

For example, my Allianz AllTrips Prime annual plan remains in effect for one year following the purchase date of my policy. I'm covered on all trips during which I'm at least 100 miles from my residence.

This differs from standard travel insurance, which is purchased on a per-trip basis and covers only one specifically insured journey per policy. Standard policies begin when travel for the insured trip begins and end when the insured trip ends, rather than covering multiple travel experiences within a specific period of time.

What does annual travel insurance cover?

Coverage depends on the plan you purchase. There are usually several tiers from which to choose, with the lowest offering the least coverage and the highest offering the most.

Using my policy as an example, I'm covered for up to $3,000 per year in trip interruption expenses, including hotel room coverage at $250 per night, which I used when I was recently isolated for 10 days after testing positive for COVID-19.

My policy also offers a $3,000 annual trip cancellation benefit, $20,000 in emergency medical coverage, $100,000 in emergency transportation (including medevac services), $45,000 in rental car theft and damage protection, $25,000 in travel accident coverage and $1,000 for essentials in the event of baggage loss or damage, along with a handful of other small benefits.

Note that many annual policies do not include things like "cancel for any reason" coverage or trip interruption benefits. If those items are important to you, check with your provider before making a purchase.

How much is an annual travel insurance policy?

Sure, an annual travel insurance policy may sound great, but how much does one cost? I was surprised to find that insuring your trips for a whole year with an annual policy is often not much more expensive than insuring one or two trips individually, depending on the options you select.

A decent annual travel insurance plan will likely set you back a couple hundred dollars. The more coverage you add, the more expensive the plan will become. The cost also changes depending on variables like your age and where you live.

The best thing to do is contact your preferred provider for a quote or check out an aggregator like InsureMyTrip to compare premiums.

Which companies offer annual travel insurance plans?

The Points Guy recommends the following travel insurance providers , all of which sell annual or semi-annual policies:

• Allianz Travel Insurance .
• Seven Corners .
• Travel Guard .
• World Nomads .

When should I purchase annual travel insurance?

There are several reasons why annual travel insurance might be better for you than separate policies for individual trips. If you travel a lot — more than two or three times annually — it could be more cost-effective than purchasing separate policies for each journey.

For me, it makes sense because I travel for a living, often taking a dozen or more trips each year. Also, much of my travel is comped, which makes insurance more difficult to acquire. (If I haven't paid for a cruise, flight or hotel, I can't attach a dollar amount to it and, therefore, often can't insure it. I also wouldn't be able to provide purchase receipts in the event something went wrong and had to file a claim.)

Other factors to consider include your health, how adventurous your travels might be, whether you have coverage as a credit card perk and how much your travel arrangements cost versus how much coverage you can get with an annual plan versus individual policies.

Another consideration right now is COVID-19. For me, the annual plan made sense because most of Allianz's individual plans don't cover issues linked to COVID-19. However, the annual coverage I purchased does.

Other things to know about annual travel insurance policies

Here are a few additional tidbits I learned after filing a trip interruption claim under my annual travel insurance policy. Keep them in mind when deciding if an annual policy is right for you.

• Before committing to the purchase of any travel insurance plan, make sure to inquire about specific components that are important to you. For me, those were COVID-19 coverage, trip interruption benefits and medevac coverage.
• Know that your coverage does not reset each time you travel when you opt for an annual policy. So, if you have a trip that goes awry, you file a claim and you max out the benefit allowed by your plan, you won't have that benefit available to you for the remainder of your policy year.
• Depending on your policy, you might have to return home between travel sessions in order for each trip to be covered. Taking several back-to-back trips could prevent them from qualifying for coverage under your annual insurance plan, so be sure to read the fine print, and plan accordingly.
• If you purchase annual or multi-trip travel insurance, keep your policy card and provider phone number with the other important documents you bring when you travel so they're easily accessible in a pinch.
• If you find yourself in a covered situation for which you'd like to seek reimbursement, keep all receipts and take photos that will help to support your claims when they're submitted.
• Don't assume all your expenses will be reimbursed, even if you think they'll be covered. It doesn't hurt to try, but in my case, my Allianz plan only partially covered the hotel expenses I submitted.

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Exploring Peaceful Journeys Together: A Comprehensive Guide to Travel Insurance for Couples

Traveling with your loved ones is a unique experience that creates beautiful memories and strengthens your bond. However, just like with any trip, unforeseen events can occur, potentially disrupting your romantic getaway. To ensure your travels remain stress-free, travel insurance for couples offers protection and peace of mind. In this article, we will explore the ins and outs of travel insurance for couples, from what it is and what it covers to how to choose the best plan for your needs.

Exploring peaceful journeys together with loved one with travel insurance

1. What is Travel Insurance for Couples?

Travel insurance for couples is a specialized insurance policy designed to provide coverage for two people traveling together, whether they are married, in a domestic partnership, or simply sharing a romantic journey. This type of insurance is tailored to meet the specific needs and preferences of couples, offering protection for various aspects of their trip.

Travel insurance for couples is the best choice for any journey

2. What Types of Travel Insurance for Couples Are Available?

Travel insurance for couples comes in various forms to suit different travel styles and needs. Here are some common types:

2.1 Single-Trip Travel Insurance

This is a one-time coverage plan that is perfect for couples planning a specific vacation. It typically covers trip cancellation, medical emergencies, baggage loss, and other unexpected events during that particular trip.

2.2 Annual Multi-Trip Travel Insurance

Ideal for frequent travelers, this plan covers multiple trips throughout the year, making it a cost-effective option for couples who travel often. It provides continuous coverage for a fixed annual fee.

3. Who can buy Couples Travel Insurance? Couples travel insurance is a tailored solution designed to provide coverage for two adults who are embarking on journeys together. It is a protective embrace to a diverse range of travelers, including:

• Partners (whether de facto, married, dating again, or in a same-sex relationship
• A couple enjoy your honeymoon as newlyweds
• Senior couples plan to enjoy the golden period 
• Backpacking together across the globe
• A couple traveling for work
• A couple seeking an adventurous holiday
• A couple going on a skiing or snowboarding holiday

Travel insurance for couples is suitable for any travelers to project your trip

4. What Does Travel Insurance for Couples Cover?

Travel insurance for couples typically covers a range of contingencies, including:

4.1 Trip Cancellation and Interruption

This coverage ensures that if you or your partner must cancel or cut short your trip due to unforeseen events like illness, injury, or a family emergency, you'll be reimbursed for non-refundable expenses.

4.2 Medical Coverage

In case you or your partner falls ill or gets injured while traveling, this coverage takes care of medical expenses, including doctor visits, hospital stays, and emergency medical evacuation.

4.3 Baggage and Personal Belongings

This coverage safeguards your belongings in case they are lost, stolen, or damaged during your trip. It can also assist in replacing essential items like clothes and toiletries if your luggage is delayed.

Travel insurance for couples is a safety net for medical emergencies as well as travel curriculums

4.4 Travel Delay and Cancellation

Sometimes, flights get delayed or canceled due to various reasons, such as bad weather or technical issues. Travel insurance can compensate you for additional expenses incurred during these unexpected delays, such as accommodation and meals.

4.5 Emergency Assistance Services

This service provides 24/7 access to a support team that can assist you in various situations, from finding medical care to helping with lost documents or language barriers.

4.6 Liability Coverage

If you or your partner accidentally cause damage to someone's property or injure another person while on your trip, liability coverage can protect you from legal expenses and potential compensation claims.

5. Can You Apply for Travel Insurance for Couples not Living Together?

In many cases, travel insurance for couples not living together is also available. As mentioned earlier, the eligibility criteria may vary depending on the insurer. Some insurers may require proof of the relationship, such as a joint bank account, shared lease, or other forms of documentation. Be sure to inquire with your chosen insurer to understand their specific requirements.

Travel insurance for couples make your moment peaceful 

6. How to Choose Cheap Travel Insurance for Couples

Finding a couples travel insurance money saving expert doesn't mean compromising on coverage. Here are some tips for selecting cost-effective options:

6.1 Compare Quotes

Shop around and get quotes from multiple insurance providers. This allows you to compare coverage and prices to find the best value for your needs.

6.2 Consider Your Needs

Assess the specific needs of you and your partner. Are you looking for comprehensive coverage, or do you need a more basic plan? Tailor the insurance to match your travel style.

6.3 Deductibles

Choosing a policy with a higher deductible can lower your premium. Just ensure that the deductible amount is something you can comfortably afford in case you need to make a claim.

6.4 Bundle with Other Insurance

If you have other insurance policies, such as health or home insurance, check if your insurer offers discounts for bundling multiple policies.

6.5 Take Advantage of Discounts

Some insurers offer discounts for early booking, good health records, or being a member of certain organizations. Explore these options to save on your premium.

7. The Best Annual Travel Insurance for Couples

Selecting the best annual travel insurance for couples can depend on your specific needs, preferences, and the coverage options available. It's important to consider factors such as the destinations you plan to visit, the activities you'll engage in, and any pre-existing medical conditions you may have. 

If you are looking for suitable travel insurance for couples, you can consult some plans in Travelner Insurance. We are a global travel insurance company providing diverse plans to match your requirements.

7.1 Customizable Policies

Travelner Insurance offers customizable one-way travel insurance policies, allowing you to personalize your coverage based on your preferences and needs. This flexibility ensures that you only pay for the protection you truly require.

7.2 24/7 Customer Support

When you choose Travelner Insurance, you gain access to 24/7 customer support, ensuring assistance is readily available in case of emergencies or inquiries. This commitment to customer service enhances the overall travel experience, providing peace of mind throughout your one-way journey.

Travelner Insurance is a trust companion for your trips

In conclusion, travel insurance for couples offers a tailored and comprehensive solution for romantic getaways. It ensures that you and your partner can explore the world together with confidence, knowing that you are protected against unexpected events. Whether you choose a single-trip plan or an annual multi-trip policy, the right insurance can enhance your travel experiences and help you create beautiful memories together. Let’s give Travelner Insurance compassion for your wonderful trip with your loved ones.

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Best Annual Travel Insurance 2024 [Multi-Trip Insurance]

Home | Travel | Best Annual Travel Insurance 2024 [Multi-Trip Insurance]

Annual travel insurance is the most convenient option for frequent travelers who want to travel stress-free and save some money at the same time. However, it is not the same as long-term travel insurance , which provides coverage for every day of a long-term trip that can last a year or longer.

Yearly travel insurance covers the multiple, shorter-term trips you take within 365 days so that you don’t have to waste time and money buying travel insurance for each individual trip. It’s not necessarily useful for every traveler, since you won’t need it if you only take a trip or two per year.

In my case, however, there is no doubt that I need annual holiday insurance since I have to travel to South America for work at least once a month, so I can save a ton by buying annual multi-trip travel insurance .

As you can see, I’m a frequent traveler, so eight months ago, I decided to buy multi-trip annual travel insurance and stop spending money on insurance for each individual trip.

If like me, you know that annual travel insurance is the right choice for you, then you shouldn’t settle for any less than the best annual travel insurance 2024 , Heymondo . Not only is Heymondo the best COVID-19 travel insurance , but it is also the only travel insurance annual company that pays travelers’ medical expenses upfront for them instead of making them file a claim.

5% OFF your travel insurance

Keep reading to find out more about what annual travel insurance is, how much travel annual insurance costs, and what different annual holiday insurance plans cover.

• What is annual travel insurance?
• Annual travel insurance price & comparison

Best annual travel insurance plans

• Annual travel insurance coverage

What is annual multi-trip travel insurance and how does it work?

Annual travel insurance is a type of travel insurance that covers each and every one of the trips you take within one year. During that year, you can take as many trips as you like, but there is a maximum number of days you will be covered per trip (30, 45, 60, or 90 days, depending on the annual travel insurance you choose).

The 365 days that your annual travel insurance policy covers will start from the start date of your first trip, so you can easily buy yearly travel insurance as soon as you start planning a trip.

When you leave your home country for your next destination, the day counter is reset, and your covered days start to run out. That doesn’t mean you can’t take a trip that is longer than what is stated in your policy, just that you will only be covered for the number of days specified in your policy.

For example, my Heymondo annual multi-trip insurance covers trips of up to 60 days, but if I travel for 68 days, the last eight won’t be covered by the policy. I would have to come back home and leave again for the maximum days counter to reset to zero.

To make sure you’re covered for all of your trips, every time you use your annual travel insurance coverage, you need to show a supporting document, such as a plane ticket, that proves the start date of your last trip.

However, keep in mind that you don’t have to notify your insurance provider every time you take a trip. You only have to show the proof of departure date when you need assistance from your annual travel insurance company.

Annual travel insurance vs. single trip

So what’s the difference between annual travel insurance vs. single trip insurance ? Annual multi-trip insurance is for people who travel frequently and know they will be traveling multiple times throughout the year. For instance, if you travel nationally or internationally once every two months or more, you should definitely consider multi-trip annual travel insurance .

On the other hand, single trip insurance is travel insurance for one trip at a time. If you know you won’t be traveling much or you only take one trip in a year, you need single trip insurance.

You may also be wondering, why is annual travel insurance cheaper than single trip ? Annual holiday insurance is more affordable for frequent travelers because it is cheaper to buy a 12-month travel insurance policy than it is to buy individual policies for each trip.

Who is multi-trip annual travel insurance for?

The following types of travelers often discover great benefits from purchasing annual travel insurance :

• Travel addicts who travel every chance they get.
• Couples in long-distance relationships who travel often to see each other.
• Sales team members that visit clients from time to time or attend fairs and shows in different countries.
• Athletes participating in international events.
• Members of associations that attend events periodically throughout the year.
• Photographers, international journalists, travel bloggers, and the like.
• International students, ex-pats, or international workers who return home at least every two months.

If you’re an ex-pat or international worker, or are looking for international student insurance , annual travel insurance can save you a lot of money. However, you should keep in mind that you will have to return home from time to time to extend your coverage. It may be more beneficial for you to buy long-term travel insurance instead.

In other words, don’t plan to use yearly travel insurance to take a gap year and travel the world or work abroad and not go home for a long time.

Cost of annual travel insurance

Your yearly travel insurance cost will depend on several factors, including your age, your nationality, the state you live in (if you live in the US), and the number of people who are covered by your annual travel insurance plan .

If you’re looking for cheap multi-trip insurance , just know that the younger you are and the fewer the people covered by your travel insurance annual plan , the more affordable your 1-year travel insurance worldwide will be .

Annual travel insurance comparison

To generate an annual multi-trip travel insurance comparison , I have used the example of a 30-year-old American citizen from Pennsylvania who is buying an annual travel insurance policy .

Now that you’ve seen an annual travel insurance comparison , I’m sure you’ll understand why I decided to buy Heymondo ’s annual multi-trip insurance : it has some of the highest coverage and maximum number of days per trip, and its price is lower than all the other annual multi-trip insurance plans .

Of course, all of these travel insurance annual plans are some of the best, so below I’ll get into the highlights of each of the best annual travel insurance plans .

1. Heymondo , the best annual travel insurance 2024

In search of the best annual travel insurance 2024 ? Look no further than Heymondo . Their Annual Multi-trip plan is the most affordable travel insurance annual plan but still offers some of the highest coverage and highest annual travel insurance maximum trip length .

The Annual Multitrip plan is available for travelers up to age 69, and travelers can take trips of up to 60 days. Heymondo provides the highest amount of coverage for trip cancellation and baggage loss, and their coverage in all other categories, including COVID-19, is excellent and comprehensive. You can even add Adventure Sports or Electronics coverage if you need it.

Best of all, you will never have to go through the tedious process of filing a claim to get reimbursed for medical expenses. Heymondo pays your medical expenses directly and upfront for you so that you don’t have to wait to get reimbursed.

Speaking of medical expenses, Heymondo’s only drawback is that there is a $100 deductible per claim for medical expenses and baggage loss. That means you will have to pay $100 per medical or baggage claim before Heymondo will start to pay for you.

I think that all of Heymondo’s amazing pros outweigh the cons, that is why this is the policy we have purchased for ourselves. Also, you can save 5% on Heymondo annual travel insurance with the annual travel insurance promo code link below.

2. Allianz , the best multi-trip annual travel insurance for seniors

Allianz is easily one of the best annual travel insurance for seniors since it covers travelers up to the age of 99. Travelers can travel for up to 45 days and still receive yearly travel insurance coverage .

Allianz’s AllTrips Prime plan provides great trip cancellation, trip interruption, and baggage loss coverage. Even better, there is no deductible for medical expenses, so if you get sick or injured, Allianz will cover everything for you.

With that being said, the AllTrips Prime plan offers the lowest amount of emergency medical expense and evacuation and repatriation coverage. It is also the most expensive annual travel insurance plan of the plans I compared. If you want to save money and get similar or better coverage for a lower price, Heymondo is a better option for you.

3. IMG , a cheap annual travel insurance

IMG offers one of the most affordably priced annual travel insurance plans , combined with excellent medical-related coverage. Its Patriot Multi-Trip International plan offers the highest amount of coverage for emergency medical expenses, trip interruption, and evacuation and repatriation.

The Patriot Multi-Trip International plan is intended for travelers under the age of 76 and is highly customizable since you can add Adventure Sports Rider or Evacuation Plus Rider coverage to your plan.

You can also choose between setting 30 days or 45 days as the maximum length for your trips, although choosing 45 days will add about $50 to your annual travel insurance price .

However, since IMG’s travel insurance annual plan offers low baggage coverage and no trip cancellation coverage, it is best for travelers who just want annual multi-trip travel medical insurance . It also has a very high deductible of $250 per covered illness, so that means every time you fall ill, you will have to pay $250 before IMG starts to cover your medical expenses.

If you want a lower deductible, similar coverage for a lower price, and direct medical expense payments, choose Heymondo ’s annual travel insurance plan instead.

4. AIG , the best annual holiday insurance for long trips

If you’re looking to go on longer trips, AIG ’s Travel Guard Annual Travel Plan is perfect for you, since your annual holiday insurance cover will extend to trips of up to 90 days. AIG’s annual travel insurance is also perfect for seniors because there is no age limit for travelers to be able to purchase a plan.

The Travel Guard Annual Travel plan offers solid baggage loss and evacuation and repatriation coverage. There is also no deductible for emergency medical expenses, so you won’t have to pay anything out of pocket to get covered.

Still, a big limitation of AIG’s annual travel insurance plan is the travel-related coverage. The Travel Guard plan offers no trip cancellation coverage and the lowest trip interruption coverage out of all the travel insurance annual plans I compared. Considering how expensive AIG’s yearly travel insurance plan is, particularly compared to its coverage, there’s no question that you’ll get more bang for your buck with a plan like Heymondo ’s.

What does annual travel insurance cover?

Whichever travel insurance annual plan you end up choosing, you need to make sure that you’re getting enough coverage for medical- and travel-related situations. Annual travel insurance coverage should include:

• Emergency medical expenses – medical coverage is an absolute requirement for the best annual holiday insurance. Make sure yours covers important medical expenses such as sudden illness, accidental injury, emergency dental treatment, hospitalization, and prescription drugs.
• Evacuation and repatriation – this type of coverage is crucial if you fall ill in a remote area and need to be transported to a faraway hospital or are so sick that you need to be transported back to your home country for treatment.
• Trip delays, interruptions, and cancellations – any sudden, unexpected event – serious illness, inclement weather, jury duty, unexpected job loss – can interrupt or change your travel plans, but trip delay, interruption, and cancellation coverage ensure that you will still get reimbursed for covered travel costs.
• Lost/damaged/stolen luggage – if anything happens to your belongings while you’re traveling, luggage coverage will allow you to get reimbursed so you can easily buy new toiletries and clothes.

You can also purchase travel annual insurance with sports coverage, cruise coverage, or even electronics coverage if you have more specific coverage needs.

One coverage aspect to note is that it can be more difficult for older travelers to find a multi-trip travel insurance policy since age limits tend to be lower for annual trip insurance than for single trip insurance. If you are an older traveler interested in buying an annual travel insurance plan , make sure to compare the price and coverage of annual travel insurance plans with the price and coverage of single trip insurance plans to see which works best for you.

Is annual travel insurance worth it?

Ultimately, yes, having annual travel insurance is worth it if you travel frequently and want to save time and money on purchasing travel insurance for every trip. If you only take a couple of trips a year, stick to single trip insurance.

For example, imagine that you are a US citizen who is going to take several trips over the next 365 days and buy individual travel insurance plans from Heymondo:

• Indonesia (2 weeks) – $ 70.75
• Iceland (4 days) – $ 26.04
• Spain (1 week) – $ 38.17
• Morocco (3 days) – $ 17.74
• United Kingdom (5 days) – $ 26.04
• Norway (4 days) – $ 26.04
• Brazil (1 week) – $ 38.17
• Mexico (1 week) – $ 38.17
• Argentina (1 week) – $ 38.17

If you paid for these policies individually, it would cost you $319.29.

If you bought an annual travel insurance plan from Heymondo to cover those same trips, you would pay $197.96. In other words, you would have all those trips covered by one policy, and you could take even more trips without paying any other travel insurance fees.

Of course, buying annual travel insurance only works out to be more affordable if you travel frequently enough within a year. Don’t bother buying annual multi-trip holiday insurance if you only plan on traveling once or twice a year.

If you’re still unsure about whether you need annual multi-trip travel insurance , get quotes for single trip insurance for all the trips you will take over the next 365 days and compare that total to your annual holiday insurance quote . If your single trip insurance total is greater than the annual travel insurance price , yearly travel insurance is the best option for you.

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One thought on “ Best Annual Travel Insurance 2024 [Multi-Trip Insurance] ”

Hey there, we are interested to purchase annual multitrip medical emergency travel insurance with specific COVID-19 cover rider. We are seniors, my DOB is April 20, 1946 and my wife’s is October 23, 1950. We reside in Canada and woud like to travel to Costa Rica in October 2020 and to Europe in 2021, if COVID-19 pandemic situation will permit. Your advice would be much appreciated.

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You can create and manage quotes online , and buy policies at any time.

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Annual Travel Insurance

All of your holidays covered in one go.

Cover for every holiday you take in a year (up to 31 days at a time).

5 Star Travel Insurance from Admiral

5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Take out the hassle of arranging insurance for every trip

If you take to the skies regularly, an annual policy could be just what you're looking for. It takes out any hassle of arranging insurance for every trip; simply sit back and relax knowing that all your holidays within the year are covered with Admiral Travel Insurance.

Admiral's Annual Multi-Trip Travel Insurance can insure you for destinations almost anywhere in the world, and for a range of activities including snorkelling, windsurfing and sea kayaking.

And if you travel more than once a year, annual cover could be more cost effective for you than a single trip policy.

You may also be able to add Winter Sports , Cruise or Gadget Cover .

What benefits do I get with Admiral's annual cover?

• Unlimited travel for up to 31 days per trip
• Medical Emergency Cover
• Legal Liability
• Legal Protection
• Personal Belongings Cover

Annual, multi trip travel insurance is perfect for regular holidaymakers and it can cover you whether you're in the UK, Europe or Worldwide .

What level of cover do I need?

Just like Admiral Single Trip Insurance , three levels of cover are available - Admiral, Admiral Gold or Admiral Platinum Cover - on our annual, multi-trip policies.

Here is a small sample of the benefits included with each level of cover. You can read the full list in the policy summary booklet .

If you fancy the adrenaline rush of a skiing holiday, or you're taking to the seas on a cruise, you’ll need to add on our winter sports cover upgrade or cruise upgrade to your policy as without these, your trip won’t be covered at all.

Are there any exclusions?

As with any insurance policy, some things aren’t covered by Admiral Travel Insurance.

Exclusions include:

• Pre-existing conditions you don’t tell us about
• The pre-existing conditions of a relative not on your policy
• Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
• Anticipated events
• Coronavirus
• Travelling against FCDO or medical advice

You can read the full list of exclusions in our policy documents .

Do I need travel insurance if I have a European or Global Health Insurance Card?

Yes, you do. The EHIC (if still in date) isn't a substitute for medical and travel insurance; it entitles you to state-provided healthcare that may become necessary during your holiday in the UK and European Economic Area (but no longer in Iceland, Liechtenstein, Norway or Switzerland).

In some cases it will cover all or part of your costs for medical care, but it won't cover expensive needs such as airlifting from ski resorts or repatriation. The same applies for the new Global Health Insurance Card (GHIC) which you can apply for once your EHIC has expired.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

What happens if my holiday is cancelled?

In the unfortunate event your holiday is cancelled, you will be covered for certain reasons for cancellation with Admiral Travel Insurance. Depending on the level of cover you choose - Admiral, Admiral Gold or Admiral Platinum Cover - you could receive up to £5,000 to cover the costs of your trip.

How do I get a quote?

Hit the green button above or call 0333 234 9913 to speak to a member of our team.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Does annual travel insurance cover UK holidays?

Your Admiral policy will cover trips to: 

• Northern Ireland
• The Isle of Man
• Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.    

Does travel insurance cover repatriation?

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m  

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

10 Best Credit Cards for Wedding Expenses of 2024

Best credit cards for wedding expenses of 2024, best overall: chase sapphire preferred® card.

Why we chose it: The Chase Sapphire Preferred Card is an all-around winner for engaged couples, rewarding you for purchases and offering plenty of travel benefits for the honeymoon. You’ll earn 1X Ultimate Rewards points on every purchase, 2X points on general travel and 3X points on dining, including takeout and eligible delivery services. Spend $4,000 in the first three months from account opening, and you’ll earn an elevated 75,000 bonus points worth $900 when you redeem them for travel through Chase Travel. You’ll also get a $50 hotel credit annually for hotel stays booked through Chase Travel.

• Get 25% more value for your points when booking travel through Chase Travel
• Includes travel and purchase protections
• No extra charge for authorized users
• $95 annual fee
• Variable APR is higher than some other cards
• General purchases only earn 1X points

Best for 0% APR: Wells Fargo Reflect® Card

Wells fargo reflect® card.

Why we chose it: It takes a lot of prep and planning to host a wedding, and you may not have the cash to pay for everything upfront. A 0% APR card like the Wells Fargo Reflect lets pay for the wedding of your dreams while giving you almost two years to pay it off without incurring interest (0% intro APR on purchases and balance transfers for 21 months). After that, your variable APR will be 18.24%, 24.74% or 29.99%.

• One of the longest intro APR offers on the market
• Roadside dispatch and cell phone protection (subject to a $25 deductible)
• Lower variable APR range available if you qualify
• No rewards program
• 3% foreign transaction fee
• Other benefits are relatively limited

Best Welcome Bonus: Capital One Venture X Rewards Credit Card

Capital one venture x rewards credit card.

Why we chose it: Engagement rings, music and flowers, formal attire—if you plan to spend at least $4,000 on wedding expenses, you could put them on your Capital One Venture X Rewards Credit Card over the course of the first three months from account opening and earn 75,000 miles. You can also earn 10,000 bonus miles on your account anniversary (each year when you pay the annual fee and renew your card) and a $300 annual travel credit for bookings through Capital One Travel—something else to celebrate when you’re digging wedding cake out of the freezer.

• Sizable welcome bonus for eligible cardholders
• Includes travel credits and airport lounge access
• No foreign transaction fees
• $395 annual fee
• Fees for late payments, balance transfers and cash advances
• Travel credit must be used in Capital One’s travel portal

Best for Flat-Rate Cash Back: Wells Fargo Active Cash® Card

Wells fargo active cash® card.

After spending $500 in purchases in the first 3 months

Why we chose it: When planning a wedding, you might not want the fuss of also planning your purchases around credit card rewards categories. The Wells Fargo Active Cash® Card offers an unlimited 2% cash rewards on purchases, so you can use it on anything you need for your nuptials and still earn solid rewards.

• Unlimited 2% cash rewards on purchases
• No annual fee
• Intro APR offer on purchases and qualifying balance transfers
• Limited benefits beyond cash back
• Limited redemption options

Best for No Annual Fee: Capital One SavorOne Cash Rewards Credit Card

Capital one savorone cash rewards credit card.

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Why we chose it: The Capital One SavorOne Cash Rewards Credit Card is a no-annual-fee rewards card that is especially suited to the kinds of expenses you’ll have as you prepare for your big day. For instance, covering the rehearsal dinner at a restaurant can earn 3% cash back, while shaking off the pre-wedding jitters at a hotel the night before can earn 5% cash back, so long as you book your stay through Capital One Travel.

• No annual fee or foreign transaction fee
• Intro APR offer on purchases and balance transfers
• $200 cash bonus earned when you spend $500 on purchases within the first three months
• Grocery rewards exclude Walmart and Target
• Limited travel rewards categories
• Other purchases earn just 1% cash back

Best for a DIY Wedding: Blue Cash Everyday® Card from American Express

Why we chose it: With the Blue Cash Everyday Card from American Express , you’ll earn 3% cash back at U.S. supermarkets and on U.S. online retail purchases, on up to $6,000 in eligible purchases per year in each category (then 1% cash back). That can help you earn extra rewards, whether you’re making your own floral arrangements, buying centerpieces and decor online or stocking up on ingredients to make hors d’oeuvres for your guests.

• Solid cash back rewards on U.S. supermarket purchases and U.S. online retail purchases
• May qualify with good credit as it’s recommended for those with good to excellent credit
• 2.7% foreign transaction fee ( see rates and fees )
• $6,000 spending cap on boosted rewards categories (then 1% cash back)
• Superstores or warehouse clubs aren’t included in the U.S. supermarket category

Best for Hotel Venues: Marriott Bonvoy Brilliant® American Express® Card

Why we chose it: Whether you’re hosting in your hometown or planning a destination wedding, Marriott Bonvoy Brilliant credit card holders can scoop up plenty of extra perks and points. Eligible wedding events at participating Marriott properties, for example, can see general Bonvoy members earn up to 60,000 Bonvoy points per event, and bonus earnings may apply as you’ll get automatic Marriott Bonvoy Platinum Elite status by holding the card.

• Bonus Marriott Bonvoy points for eligible weddings
• Free Night Award every year after your card renewal month for stays with hotels participating in Marriot Bonvoy (up to 85,000 points for one night)
• Annual $300 dining credit (up to $25 per month in statement credits)
• $650 annual fee
• Bonvoy points may not be available for your event or venue
• Limited ongoing value beyond future Marriott bookings

Best for a Luxury Honeymoon: The Platinum Card® from American Express

Why we chose it: You and your partner can honeymoon comfortably thanks to the perks you’ll get as an Amex Platinum card member. You can transfer your Amex Membership Rewards points to several airlines and hotels and kick off your travels by relaxing together at one of 1,400 airport lounges. You can also access various airline and hotel statement credits to further improve your travel experience.

• Up to $200 in annual hotel statement credits each year for stays booked with Amex Fine Hotels + Resorts or The Hotel Collection using your card (minimum two-night stay required for The Hotel Collection stays)
• Up to $200 in annual airline fee statement credits each year when you charge incidental fees with a single chosen airline to your card
• One of the best cards with airport lounge access
• $695 annual fee
• Only earns 1X points on eligible non-travel purchases
• $195 annual fee for each additional card member ( see rates and fees )

Best for Newlywed Travel and Dining: American Express® Gold Card

Why we chose it: With the American Express Gold Card , you can earn 4X American Express Membership Rewards points every time you dine at a restaurant worldwide for date night or shop at U.S. supermarkets (on up to $25,000 per calendar year in U.S. supermarket purchases, then 1X points). Plus, you earn 3X points when you book air travel directly with an airline or through amextravel.com. Spend your points on getaways together by booking through the portal or transferring your points to one of Amex’s transfer partners .

• Dining-related statement credits available
• Solid mix of food and travel-related rewards rates
• No foreign transaction fees ( see rates and fees )
• $250 annual fee
• Dining credits only apply to select partners
• Allows you to carry a balance for certain charges, but not all

Best for Miscellaneous Wedding Expenses: Discover it® Miles

Discover it® miles.

Why we chose it: You don’t need to commit to one airline or hotel brand with the Discover it® Miles card; you can redeem your miles as a statement credit for any travel purchase in the previous 180 days. Discover will also match all your mile earnings after your first year of holding the card.

• Earn 1.5X miles on every purchase
• Redeem miles as statement credits or cash
• No point transfers to travel partners
• Lack of travel insurance protections
• Discover still isn’t accepted in some places, such as Costco

A Closer Look at the Best Credit Cards for Weddings

Best overall: chase sapphire preferred card.

Why we love this card: The Chase Sapphire Preferred Card offers a slew of rewards, including dining and travel-related rewards categories and even 5X points on Peloton equipment and accessory purchases over $150 (up to 25,000 total points now through March 31, 2025)—perfect if you want to get fit for your wedding. We especially like the additional travel protections, including trip cancellation/interruption insurance, baggage delay insurance and emergency assistance while traveling. Your eligible purchases may also be protected with extended warranty coverage and purchase protection.

Who should have this in their wallet: This card is a great fit for couples looking to earn rewards on wedding-related expenses they can then spend on travel, whether for a honeymoon or trips together as newlyweds. With robust travel protections and a points boost on travel booked through Chase Travel, you’ll have all angles covered with this card—and your spouse-to-be can be added as an authorized user for no additional fee.

Other cards to consider: Some couples might prefer the Chase Sapphire Reserve® , which offers similar benefits to the Preferred but with a $300 annual travel credit, heightened rewards categories and complimentary Priority Pass Select membership. The Reserve card charges a $550 annual fee (plus $75 per authorized user).

Best for 0% APR: Wells Fargo Reflect Card

Why we love this card: With its extra-long introductory APR, the Wells Fargo Reflect card gives you plenty of time to pay off your big-day purchases. You’ll get 21 months from account opening at a 0% intro APR (on purchases and balance transfers), then a 18.24%, 24.74% or 29.99% variable APR.

Who should have this in their wallet: The Reflect card is best for people who need extra time to pay off their wedding expenses without interest. It’s also suitable for couples who aren’t interested in rewards, as you won’t earn any with this card.

Other cards to consider: Another card to consider with a long intro APR period is the U.S. Bank Visa® Platinum Card . You also won’t earn rewards, but this card may tip in your favor if you want a slightly lower balance transfer fee .

Best Welcome Bonus: Capital One Venture X Rewards Card

Why we love this card: If you can meet the $4,000 minimum spending requirement in the first three months to earn the welcome bonus on the Capital One Venture X, you’ll earn 75,000 miles. These points are worth $750 towards travel purchases, though you can get significantly more value by transferring them to one of the high-value airline or hotel transfer partners. We also like that this card includes airport lounge access and a Global Entry or TSA PreCheck fee credit .

Who should have this in their wallet: The Venture X charges a lower annual fee compared to other premium credit cards for travel, making it a good fit for couples who are excited to travel but don’t want to spend as much on an annual fee.

Other cards to consider: If you like the Venture X but the $395 annual fee is still too high, check out the Capital One Venture Rewards Credit Card . It offers the same welcome bonus of 75,000 miles after spending $4,000 within the first three months of account opening but for a $95 annual fee.

Best for Flat-Rate Cash Back: Wells Fargo Active Cash Card

Why we love this card: The flat 2% cash rewards rate you get with the Wells Fargo Active Cash is hard to beat among flat-rate cash back cards. We also appreciate the card’s intro APR on purchases and balance transfers, which gives you time to pay off wedding expenses without incurring interest charges.

Who should have this in their wallet: If you’re the type to go short and sweet with your vows, you’ll probably appreciate the simplicity of the Active Cash card, too. This card could also be a good fit for rewards maximizers who already earn boosted rewards in other categories but want a backup card that earns 2% back on everything else.

Other cards to consider: Another solid cash back card with no annual fee includes the Citi Double Cash® Card , which earns up to 2% cash back on all purchases—1% when you buy and 1% when you pay off your purchase.

Why we love this card: There’s a lot to love about this card: 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus travel and purchase protections, concierge service and travel accident insurance. We also appreciate its flexible redemption options, including shopping with rewards and redeeming via PayPal.

Who should have this in their wallet: The Capital One SavorOne is a good fit for engaged couples who dine out often and regularly spend on entertainment, as they’ll continue to earn in those categories after the wedding. It’s also a good pick for those who could use extra time to pay off wedding expenses, as the card offers an intro APR on purchases.

Other cards to consider: If the SavorOne doesn’t align with your usual spending, consider the Chase Freedom Unlimited® , which has no annual fee and offers 1.5% cash back on every purchase (plus rewards on eligible travel, qualifying Lyft rides, dining and drugstore purchases). Another option for no annual fee is the Discover it® Miles, which earns 1.5X miles on purchases and features an intro APR on purchases and balance transfers.

Best for a DIY Wedding: Blue Cash Everyday Card from American Express

Why we love this card: You’re likely to get value from the Blue Cash Everyday long after your wedding thanks to its 3% cash back rates on everyday spending categories, including at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations (on up to $6,000 in yearly spending in each category, then 1% cash back). We also like the monthly Home Chef and Disney Bundle credits and its intro APR on purchases and balance transfers.

Who should have this in their wallet: This card is a good fit for couples who plan to spend at U.S. supermarkets or U.S. online retailers to prep for their wedding day. Plus, it’s available to those with less-than-excellent credit.

Other cards to consider: If the spending caps are throwing you off, another option for shopping online for wedding supplies is the Prime Visa . This card has no annual fee and earns 5% cash back at Amazon.com, Amazon Fresh and Whole Foods Market. The Wells Fargo Active Cash is another strong option, earning you 2% cash rewards on purchases, no matter which retailer you use.

Best for Hotel Venues: Marriott Bonvoy Brilliant American Express Card

Why we love this card: The Marriott Bonvoy Brilliant is a co-branded American Express credit card with stellar Marriott perks, including Platinum Elite status that gets you welcome gifts with every stay, late checkouts and complimentary room upgrades (when available at select properties and booked with a Qualifying Rate). The card also features a variety of premium hotel perks and airport lounge access.

Who should have this in their wallet: The Bonvoy Brilliant is a card for Marriott loyalists. You’ll earn some of the most points on Marriott stays and get the best value when you redeem your points for additional stays.

Other cards to consider: For a Hilton venue, the Hilton Honors American Express Aspire Card offers premium hotel perks and high rewards rates when you spend at participating Hilton hotels or resorts.

All information about the Hilton Honors American Express Aspire Card has been collected independently by Newsweek.com. The Hilton Honors American Express Aspire Card is no longer available through Newsweek.com.

Best for a Luxury Honeymoon: The Platinum Card from American Express

Why we love this card: The Platinum Card from American Express is a luxury card for luxury travel, offering complimentary elite status with Hilton, Marriott, Avis, Hertz and National Car Rental, trusted traveler program statement credits and a range of travel insurance protections. It also offers a long list of statement credits related to travel, dining, entertainment and more.

Who should have this in their wallet: Honeymooners looking for perks on their post-wedding travel will appreciate the Amex Platinum’s benefits . While it’s possible to get more than $1,500 in value from the card, you’ll want to make sure the steep annual fee is worth it before applying.

Other cards to consider: Alternative cards with premium travel perks include the Chase Sapphire Reserve, which has a slightly lower annual fee ($550), and the Capital One Venture X ($395 annual fee).

Best for Newlywed Travel and Dining: American Express Gold Card

Why we love this card: The American Express Gold Card can let you earn points at home (4X points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1X points) and away (4X points on restaurants worldwide, plus on takeout and delivery in the U.S., and 3X points on flights booked directly with airlines or on https://amextravel.com/) . You’ll also be covered by a few travel protections and can use your accrued points to book future travel through the American Express travel portal.

Who should have this in their wallet: Couples who pay for wedding expenses, groceries and date nights with the American Express Gold card can turn their rewards points into a nice couple’s getaway after the wedding by booking through American Express.

Other cards to consider: The Chase Sapphire Preferred is a great mid-tier travel card with a lower $95 annual fee, though you’ll earn slightly lower rates on dining purchases. Its 25% points boost on travel booked through Chase Travel may sway you, though.

Why we love this card: With its flat 1.5X rate on all purchases, the Discover it® Miles makes it easy to earn miles no matter what you’re spending on. You can turn around and redeem those miles at checkout with Amazon or PayPal, apply them as a statement credit on travel purchases or simply redeem them for cash back.

Who should have this in their wallet: With no annual fee and easy-to-understand rewards and redemptions, the Discover it® Miles is one of the best travel credit cards for beginners . You can add your partner as an authorized user and earn miles on their spending, too.

Other cards to consider: The Capital One VentureOne Rewards Credit Card is another no-annual-fee option for earning travel rewards, offering 1.25X miles on all purchases and no foreign transaction fees. If you’d rather earn cash back on your miscellaneous wedding spending, the Bank of America® Unlimited Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card both offer a flat 1.5% cash back.

How To Choose the Right Credit Card for Wedding Expenses

There are so many different costs associated with a wedding, no matter the size—food and drink for your guests, something special to wear and a pair of rings, for starters. Then, there’s the venue, music, decorations and often a honeymoon. The best card for all these expenses will depend on what you prioritize in your wedding budget and what’s most important to you in a credit card.

Given a choice, do you prefer cash back, rewards points or miles? Consider how you’d like to use the rewards you earn (statement credit vs. travel, for example) before you decide between a cash back credit card or a rewards credit card that earns points or miles. Also, keep in mind how your expenses are likely to be categorized—will you focus on a few boosted categories, or do you prefer a flat-rate rewards system?

Welcome Bonus

Many cards offer a welcome bonus, but it typically requires you to spend a set amount on the card within a specified time frame. It’s essential to figure out whether you’ll be able to reach the minimum spending requirement if you’re counting on that bonus for the future.

Annual Fees

Some people are averse to paying for the privilege of carrying a particular card, while others are eager to squeeze the maximum value of a card to offset its annual fee. Consider whether you’re willing to take advantage of enough of a card’s perks to make the annual fee (if there is one) worth it.

Vendor Fees

Unlike everyday spending, wedding expenses may come with additional, unexpected fees. If you’re paying a vendor (such as a DJ or florist) with a credit card, make sure you find out whether they charge a fee to use a credit card—and, if so, whether it’s more or less than any rewards you’d earn by using the card.

It can sometimes take up to around eight weeks for rewards or credits to be applied to your account. If you’re counting on using bonus points, miles, cash back or other benefits at a specific point in the future, leave plenty of time to spend and earn before you plan to redeem them.

Should You Have a Credit Card for Wedding Expenses?

Putting your wedding costs on a credit card is an easy way to track your spending and ensure you’re sticking to your budget. Most vendors accept cards, but keep an eye out for added credit card processing fees. You’ll also get consumer protections when paying by credit card that you aren’t entitled to if you use a loan, cash, debit card or check.

On the other hand, if you can’t afford to pay your wedding costs upfront, be cautious that you aren’t racking up debt before you say “I do.” High-interest credit card debt can start a marriage off on the wrong foot, especially if you don’t have a plan to pay it off. In that case, it might be better to scale down your celebration, explore low-interest personal loans or stick with a 0% APR credit card instead.

Reasons To Use a Credit Card for Wedding Expenses

Earn big rewards.

Big expenses can earn big rewards when you pay by credit card. Wedding expenses are a quick way to earn welcome bonuses, which you can apply toward future travel or redeem as cash back toward your balance.

Get Extra Time To Pay

Another benefit to using a credit card for wedding expenses is that it gives you extra time to pay. Cards with introductory APR offers are perfect for giving yourself more time to pay off your balance.

Frequently Asked Questions

What’s the best credit card for wedding planning.

The best credit cards for wedding expenses usually offer great rewards rates, a solid welcome bonus or an introductory APR—or all three. Look for a card that matches your anticipated spending, and consider whether you’ll have the mental bandwidth to chase rotating categories or complicated redemptions while wedding planning.

What Is a Reasonable Budget for a Wedding?

Ideally, you’ll set aside enough funds as a couple to put toward a wedding that feels celebratory (but manageable). Most importantly, your budget should be affordable based on your current income while leaving room for other savings, investments and debt repayment priorities. After all, it’s one day of the rest of your lives together.

What’s the Most Expensive Part of a Wedding?

According to a 2023 study from The Knot , most couples allot the biggest portion of their wedding budget to the venue (37%), followed by catering (28%), the band (12%) and their wedding rings (9%). Everything else—from photography to attire—makes up the rest. Of course, your budget might vary, but these are helpful benchmarks as you begin planning your own nuptials.

The post 10 Best Credit Cards for Wedding Expenses of 2024 first appeared on Newsweek Vault .

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Can You Buy Travel Insurance for Road Trips?

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

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

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• 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.

• Primary rental car coverage: Up to $75,000.

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

• Secondary rental car coverage: Up to $75,000.

• 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.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

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

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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.

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.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

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

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

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

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

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

From high-yield savings accounts to no-fee checking accounts, CNET helps you get the most out of your bank accounts.

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