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Reviews 4.6.

18,159 total

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Have used Holidaysafe for some years…

Have used Holidaysafe for some years now after hearing Martin Lewis recommend it for the over 65s. Never had any issues & always find their quotes very competitive. Just renewed again for this year.

Date of experience : 17 May 2024

Easy to get through on the telephone

Easy to get through on the telephone. Very helpful agent. Excellent price compared to other companies I tried. Have used Holiday Safe several times as has always offered the best price.

Date of experience : 18 May 2024

Excellent service

Had been looking for sometime to get my travel insurance renewed so went back to suresafe. Very competitive price and extremely helpful staff will recommend the company to other friends if they need Insurance in the future.

Date of experience : 19 May 2024

Value for money with good customer care

The agent dealing with my quote was well manered, patient and helpful. She spoke with good knowledge and professionalism. It was a long call, 1.5 hour but throughout she remained cheerful and polite. The quote was good value for money and overall service very good. I have used Holiday Safe for a few years now and the price has always been competitive.

Date of experience : 21 May 2024

Excellent Service

Always a pleasure to deal with Holidaysafe. Staff always polite & helpful which is why we come back year after year. They are also very competitive.

Date of experience : 23 May 2024

A good company - however...

We have used this company for several years now - they have been very good, but this year I needed to contact them to make sure I was insured after I paid, as I had an email asking me if I wanted the insurance! The only way to contact was by their AI 'Norbert', as the telephone wasn't answered. It takes so long typing, please bring back the normal telephone response. Telephones are still needed!

Date of experience : 28 May 2024

Reply from Holidaysafe

Hi Peter, Thank you for taking the time to leave us a review. We are sorry to hear you aren't as happy with your experience this year and would like to hear more about this. Please could you email into [email protected] with your surname, postcode and DOB. Kind regards, The Holidaysafe Team

Pre existing medical conditions

Application process asked all the right questions regarding my pre existing medical conditions. Very happy with the premium and I have recommended Holidaysafe to many of my friends who have all been satisfied with their policies.

Date of experience : 24 May 2024

Professional and Reassuring

I have used Holidaysafe a number of times and had to make a claim on one occasion. I found them to be professional and reassuring. They are my preferred choice for travel insurance. The website is very easy to navigate for new quotes also.

Date of experience : 14 May 2024

Value for money holiday and cruise covered

Excellent comprehensive cover for a Caribbean holiday including a cruise. Bad weather prevented our ship calling at one port and the policy covered us for that eventuality and the claim was processed very quickly and efficiently. We have since booked another European break and taken out a policy again which represents good value

Date of experience : 24 March 2024

Long process but eventually got there.....!!!

It was an elongated experience to take out the travel insurance but succeeded in the end. It seemed a very extended job to get through to eventually get a quote and finally take out the policy. Hope we don't have to use it if the claim process is as long to complete.

Bought a policy and on checking it found the dates were wrong. I tried emailing but got a reply that wasn't helpful so I rang the customer service which was in India. I explained my problem and all the girl could say was speak to your travel agent, I explained that I had bought the policy online,after several mimutesI put the phone down, cancelled the policy and then bought a policy for the correct time

Hi Vera, Thank you for taking the time to leave us a review. We are sorry to hear about this and would like to investigate further. Please could you email in to [email protected] with your DOB, surname and postcode. Kind regards, The Holidaysafe Team

Spoke with Marie who was excellent

Spoke with Marie who was excellent, she took me through the whole process explaining everything as we went along in a fully caring and professional manner. Aged 72, I find the internet a bit difficult to navigate but being able to discuss my insurance requirements with an agent met my needs perfectly. If I could give you 10 stars I would. Thank you, your company and Marie.

Date of experience : 12 May 2024

Excellent holiday insurance company

Very easy website to use. Best price for our holiday insurance. Very pleased with the overall experience. We have used Holidaysafe many times over the years and they have always had the best price. Would definitely recommend this company.

Date of experience : 15 May 2024

Frequent user

Have used Holidaysafe a number of years now and no problems really good when had to cancel due to pandemic era purchased again this year to go to usa.

Holidaysafe our go-to travel insurance company

We've used holidaysafe several times now, thankfully not had to claim. Filling out the forms online is straight forward, if you do find you have to speak to customer service they are always pleasant and helpful.

Date of experience : 09 May 2024

For us they are the best

Holidaysafe have a range of policies to choose from to make it easy to get the correct cover. We have used them in the past and their response (on Christmas Day) was immediate. We can not fault them. You might find cheaper insurance policies but for us they are the best.

Date of experience : 08 May 2024

A painless experience!

Francis was extremely pleasant, thorough & patient and a credit to the company. I was very happy to take out the insurance policy that I required. I have used Holidaysafe before & I am sure that I shall use it again.

Date of experience : 10 May 2024

User friendly renewal

Renewed for another year with holiday safe, although the premium had increased in cost it still represented good value

Date of experience : 16 May 2024

Never had to claim and hopefully never…

Never had to claim and hopefully never have to but our experience so far has been very good.

I have used holiday safe for many years…renewal of pilicy

I have used holiday safe for many years and will continue to do so, it is always quick and easy to renew my policy with no complications or problems,

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• Travel Insurance for High Blood Pressure
• Travel Insurance for Heart Conditions
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• Cancel Policy
• Amend Policy Dates
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At Holidaysafe we are committed to delivering the best possible service, products and prices to our customers, whether they are looking to purchase a policy, needing to make a claim or requiring medical assistance abroad, we naturally encourage our customers to share feedback about their experience.

Take a look below to read some of the reviews we have received so far. If you would like to leave feedback about any of our products or services please write a review .

Holidaysafe Insurance has been rated 4.6 / 5 based on 18154 customer reviews

“My wife and I booked a flight to Philadelphia around May this year, we found we could board the plane, but due to covid19 not able to disembark in America which was no good for us. We had paid for Holidaysafe Insurance at £1500 due to medical problems, we were refunded less £82 for admin costs which we found most acceptable. Good on ya! You will probably see us on your list when able to fly.”

Mr and Mrs Fogg

“Hello, We would simply like to say thank you for sorting out our claim and making a full refund (less excess) in such a timely fashion. We were concerned about the claim because we were not able to get our flight refund for several months before being able to claim the remainder from insurance.  Having submitted all the paperwork the claim was dealt with in about 2 weeks and payment made a few days afterwards. Thank you – this is how insurance should work.”

“Thank you so much for dealing with our claim so quickly and efficiently. It’s the first time we have ever claimed on any insurance before and following a stroke and surgery  it all adds to the anxiety. Your support in this has been really appreciated and we would like our thanks to be passed on to all concerned.”

“Dear Sirs Many thanks for your recent letter. I am pleased to learn that my claim has now been agreed and that settlement should be made in the near future.  I would like to thank you for dealing with this promptly. “

“Dear Holiday Safe team, Many thanks for your reminder of renewal. In the present circumstances it may be a year or so before we can travel abroad again so we have decided not to renew our policy with you at the moment. Rest assured however that, once it becomes possible to travel again, Holiday Safe will be our first stop! You have taken wonderful care of us in previous years, not least in Sept 2019 when I had to spend 7 days in hospital in Austria after a fall, at which time you removed all anxiety by your prompt, efficient and friendly service. Once we are free to travel again we will not be looking elsewhere for cover, I can assure you.”

Mrs Robertson, Leicestershire

“Just wanted to let you know that whilst deciding which holiday insurance to purchase I spoke with 3 of Holidaysafe’s advisers. All 3 were very polite, professional and very helpful with insurance that was quite complicated to sort out so that we met the needs of all the family. I just wanted this to be acknowledged as we are always quick to complain, but never quick to praise! Well done and many thanks”

Mrs Rowe, Stevenage

“I am writing to say how wonderful you have been to my father. He was diagnosed with 3 aneurysms last week, so I phoned immediately to see if he could still go on our trip. We were planning to visit my dads sister in Florida as they are both of an age that time was getting short for them to reunite. I spoke to Bailey who was the sweetest and most helpful member of your staff. She was unable to insure my father but went and got some other insurers that might be able to help. I have since been able to re-insure my dad and he is very grateful. At the weekend he received a bunch of flowers from Bailey and we were touched by the thought. We have as a family used Holidaysafe for a few years now and this reiterates that we have made the right choice. I would just like to say a big thank you and carry on treating people the way you are.

I have no problem in you posting my comments on your website.

I am pleased to be able to give good feedback to yourselves and think that many of us are quick to post negative comments and not give credit where it’s due. I am pleased to give Holidaysafe my recommendation to my friends and family and know they have gone on to be our customers also.”

Mrs MacGillivray, Edinburgh

“I had an annual policy previously with Holidaysafe. I have never needed to make a claim. Three months ago I had a major op. My family had asked me to go to Majorca with them for a short break. I filled in very detailed but easily answered questions on medical conditions. I was extremely pleased with the very reasonable cost. Thank you.”

Mrs Wall, Merseyside

“I was so impressed and grateful for the excellent advice and attitude from the kind contacts when I phoned to book my travel insurance.”

Ms Anderson, UK

“I certainly recommend your company, I have been very satisfied with your attention and costs will be sure to recommend you to my friends in the future.”

Mrs Jolly, Yorkshire

“My opinion of Holidaysafe travel insurance is ‘Outstanding’ as a 70 year old with various medical problems it is usually a struggle to find good travel insurance. I have used Holidaysafe for a couple of years now, unfortunately I needed to make a claim in March this year the process was simple and the company settled my claim painlessly and effective. I renewed this week expecting a huge hike in the premium but no, apart from deciding to pay for the extra (to cover me for an extended holiday) the price was extremely competitive, I always shop around for my insurance and Holidaysafe is definitely the one that meets our needs”

Mr Bradford, County Antrim

“After investigating holiday insurance from numerous companies, it was a pleasure to come across Holidaysafe Travel Insurance. The customer service representative I spoke to guided me through the various medical questions with great patience and even allowed for me to call my pharmacist for an explanation of one of my medications. I would have no hesitation in recommending you to others in light of the professionalism I experienced.”

Mrs King, Hampshire

“I would like to express my thanks for all the information and help given to me when I booked my travel insurance with you. The young man (one of your customer service team) was very helpful, and I would say a credit to your company.”

Mr Miles, Kent

Top Marks – 5! The service was excellent and the guy I spoke to was very helpful and answered all the questions that I asked. It was also a bit of fun getting the right policy for us. Thank you for your service, we will be using you again and will be recommending your company to anybody wanting travel insurance. Thank you Mike.

Dr Sheperd, Gwynedd

“My partner and I were completing the health section of the policy renewal and were experiencing some difficulty with the existing medical conditions and associated medications section. We rang the helpline for advice and spoke to a young gentleman who was most professional and courteous, he guided us through the health questions and we achieved a very positive outcome, we were pleased to renew our travel insurance policy and feel secure that we are safely covered for forthcoming holidays, thank you. We would award the service we received as top rate deserving a score of 5 out of 5.”

Mr Todd, Saltburn-by-the-Sea

“Having used Holidaysafe on previous occasions I had to cancel my recent trip due to my wife’s admission to hospital. I proceeded to claim on the policy, everything was straightforward and I have now been payed my full costs. I would like to thank the Holidaysafe customer service team and will highly recommend Holidaysafe and continue to use your service in the near future.”

Mrs McGuinness

“I love Holiday Safe it’s staff are so helpful and a pleasure to deal with. Two years ago my husband had a serious stroke whilst we were on holiday abroad, he was in hospital I Spain for five weeks and the well known Insurance Company we were with were most unhelpful at a time when we needed assurance. I feel confident having since travelled with Holiday Safe that they would have been more sympathetic and helpful, and I recommend them all the time to my fellow travellers. Keep up the good work so that we can enjoy our holidays hopefully never having to make a claim!”

M.R.H, Godalming

“ I found Holiday Safe on line, although I am 91 in June and  find using a computer quite daunting due to poor sight and age.  Consequently  I phoned. I was VERY impressed with the person who answered my call, she was most helpful and made everything so easy to understand. In no time at all I was guided to the right policy so I paid by card. She told me she would both email me and send all details by post.  She was MOST efficient very kind since then I have recommended her to my friend. “

Mrs Birchall, Blackburn

“ I received my renewal notice from Holidaysafe travel insurance in April and as usual was asked to contact the company by phone to update on any changes to my health and/or tablets. I was dreading the annual 30 minutes of interrogation but made myself a cup of tea, steeled myself and made the call.

What a pleasant surprise when Tom answered the phone. He was professional, efficient and patient with me which at my age (78) is so important. An even bigger surprise was the price which was even lower than last year.

I would have no hesitation in recommending  Holidaysafe both for service and price and score 5 out of 5 on both counts! “

Mr Mckenna, Manchester

“I had the misfortune to have to cancel my holiday to Florida due to my wife’s stroke.

I received my full holiday price back in less than a month. All my friends found this amazing.

They said ‘It would take months and I would probably not get everything back’

I tell every one I speak to to use Holidaysafe.”

Mr Holt, Dorset

“Recommendation was via Martin Lewis.com

I did every thing on line but right at the end got turned down on a medical question for my wife.  Following a phone call I had answered the question incorrectly but was adjusted by talking it through with a few more questions.

Quote was significantly cheaper than through my bank and one or two others but matched the cover offered by them and with similar excesses.

Hope I won’t have to use it but hope the service matches the quote!”

Mr Banks, Weston-Super-Mare

“A really friendly & helpful company who answered all my questions with ease & gave me the confidence that I was purchasing the appropriate insurance for our upcoming trip. Extremely knowledgeable & could not recommend enough – I tried Holiday safe as they were recommended by Money Saving Expert (Martin Lewis) & they did not disappoint. The price paid was superb & this also included two people in our family with medical complaints. 5 STAR”.

Mr McQuillan, UK

“I have now used Holidaysafe for the last 3 years and have been totally satisfied with the amazing service given. We use the multi trip 12 month insurance and, when I have told people about the great policy rates, they have dumped their existing holiday insurance provider and are now using the Holidaysafe service.”

Mrs Crawford, Suffolk

“I have insured my son with you for a few years now and decided to insure myself for a forthcoming trip. I have always been impressed with the service your colleagues provide hence my return custom. I experienced a difficulty with a quote and was going to look elsewhere but Adam phoned me to say the company would honour the initial quote. Adam was fantastic- he sorted everything out efficiently and politely. He also addressed me as Mrs Crawford which I greatly appreciate. Adam certainly deserves some sort of recognition for his excellent customer service. My score would be 5/5.”

R.McCusker(Mrs), UK

“My experience so far has been of polite friendly, patient and helpful agents with an extremely high standard of customer skills. They have been good listeners, knowledgeable, good awareness and compassionate with the delicacy/sensitivity of the customers needs and issues. Very respectful towards us more mature people giving plenty of time when having to look up something whilst on phone. Very important as they realise it is also very upsetting to us to repeat the conditions that we prefer to forget.”

Mrs Standen, UK

“After numerous phone calls I was at my wits end having failed to secure travel insurance for my elderly parents. We are so very very grateful to Ian at Holidaysafe for fulfilling my parents dream of a cruise to the Caribbean. He has provided insurance despite their many medical conditions and their ages and has been so very helpful throughout this process. I will definitely be recommending you to my friends! Thank you so much.”

Mr Howard, Kent

“Great insurance for an elderly man – good price – I shall use Holidaysafe again – the over 70’s should know about you!”

Rob, Chelmsford

“I’ve been paying £25 a month with my bank for travel insurance as well as other services I don’t use. I was quoted £89.22 for the year for me and my wife and WOW! I’m amazed. We’ll be celebrating our 50th anniversary next year and are glad to know we will now be covered when we go away.”

Mrs Collis, Weymouth

“Just wanted to say a big thank-you to Ian in the customer service team. On 27/7 my friend and I were struggling with our online policy application, we called up and Ian talked us through the problems with patient good humour. He was helpful, friendly and efficient. It is quality customer service like this that brings me back to your company and recommend it to my friends.”

Mrs Henderson, Sunderland

“It’s a pleasure to deal with an efficient company, who provides, exceptional customer service. Makes a big difference”

Mrs Neve, Derbyshire

“Excellent advice as my daughter was requiring insurance for several trips including backpacking and skiing over the year.”

Mr Murphy, Lancashire

“Claim settled promptly. Have been using Holidaysafe for several years. Will upgrade for the next annual cover.”

Mrs Turner, West Midlands

“Have been with Holidaysafe for a few years now and they continually provide me with excellent quotes. I needed to contact them recently regarding my policy via the phone and email and both times I received excellent customer service. Unlike other providers the quote they offer on month one is the same offered on month two. First class.”

Mrs Tees, Glasgow

“This is my second time booking my Travel Insurance with Holidaysafe and have another policy booked for later on this year. The staff are very friendly, and extremely helpful. They take all the worry and anxiety out of trying to get Travel Insurance if you have any medical conditions due to their helpfulness. The price for their Insurance is excellent. It’s no surprise they’re a Which Best Buy Travel Insurance Company. I would highly recommend them.”

Mr M.H, Ayr

“I had never heard of Holiday Safe Travel Insurance until quite recently when I read a very good review of it in Which magazine so I thought that I would give it a try. It exceeded my expectations. Chelsea, the girl that I spoke to could not do enough for me. What I like about it is that it is tailored to your needs so you are not paying for stuff that you do not need and the way that it was handled. I would recommend it to anybody.”

Miss Gee, Glasgow

“This is the third time I have used Holidaysafe to buy insurance. The call centre staff are extremely pleasant, explain everything very clearly, the policies meet my particular needs and the prices are very competitive.”

Mrs Whitting, Milton Keynes

“I was recommended to your insurance company from a Facebook page called CMLsupport, because I’d been given a ridiculous quote by another company due to my husband having a chronic illness, this was for travel insurance.The lady who I spoke to on the phone greeted me in a lovely manner & went through all the questions with me in detail, explaining all as she went. A wonderful service that I will definitely recommend to others & will be using myself again when needed in the future. Definitely a 5 star award.”

Mrs Chappell, Leics

“Thank you for your prompt response to my query, I did not think Southern Ireland would be Europe rather than UK so I am glad I asked!”

Mr Parr, Swansea

“I felt compelled to comment on the amazing service that I have received from your operators every year. It is so easy to sort out our family needs on the phone compared to many other companies I have tried. A friendly competitive company to deal with is how I feel about Holidaysafe.”

Mr Whyte, Derbyshire

“A phone call to Holidaysafe is all that is needed to secure peace of mind for any forthcoming holiday. I have insured with Holidaysafe for a number of years and have always had a cheerful and helpful response from its operators even though they must be able to repeat the questions in their sleep! Travel insurance is a serious business but Holidaysafe makes it easy and straightforward.”

Mr David, Devon

“I was very pleased with the quick, efficient and no hassle service provided when I needed to contact Holidaysafe customer services, due to an error made by me on my insurance application. This was corrected in one email to Holidaysafe, with a friendly acknowledgement and amended documents sent back to me by Charlotte from the customer service team.”

Mr Dixon-Smith, London

“I am writing to comment on the excellent assistance James gave me when recently I called for help with my policy renewal. James dealt with all matters with a positive and cheerful manner. Clearly, he is very knowledgeable on all issues related to the insurance cover yet has the rare ability to explain things clearly. I wanted to let Management know what an asset he is to the company.”

Mr Wheatley, Cheshire

“Thank you for making the cancellation of my policy so painless and simple, especially after the tragic events of last week for me. Thank you again and hope to do business with you again soon.”

Mr Patterson, Compton

“Just to say I found your colleague really helpful, clear and warm when I enquired about my insurance last week. I am glad he passed on my comments and that you are following up. Good leadership works!”

Mr Johnson, Southsea

“I purchased this policy today and have to say your representative – Seb was excellent in every way and very to deal with as the call was quite lengthy and nothing was too much trouble. It is rare to be able to make this comment in this day and age especially as he was a great deal younger than myself!!”

Mr Bagel, Essex

“What an absolute pleasure in again renewing our Annual Travel Policy with Holidaysafe. Received first class attention from your customer services in relation to my medical history. In fact, the additional premium for this was actually lower this year with a reduced excess. So bearing in mind the minuscule increase of cost of the basic policy plus the additional medical premium we are paying less after a year to renew! Unheard of in this age of premiums jumping ahead with no regard to customer loyalty. If only Holidaysafe could insure my house and car……..”

Anonymous, Cambridge

“Holidaysafe’s customer service advisers are very knowledgeable and helpful and ready to go the extra mile.”

Mrs Barton, Avon

“How delighted I was at the end of the conversation with Holidaysafe. I had previously telephoned several companies and was horrified with very high quotes due to my recent but temporary history of bad health. You charged a more reasonable premium but in my case a higher medical excess, which would only be payable in the event of a medical problem when abroad – this is a more equitable system. Your details have already been passed to others. I am so pleased I found you and very grateful.”

Mrs Lloyd, Lancashire

“Many thanks for speedy response”

Miss Chaston, Cambridgeshire

“Had to change some personal details on my policy. A couple of emails to and from Hayley this morning and it has all been sorted out. Prompt and friendly service.”

Mrs Nirenberg, Cardiff

“We have just taken out holiday insurance with you. As one of the insured has some serious medical problems, we were delighted the way the company were prepared to help us. They were thorough, and spent time explaining all the queries which arose, and made sure that we understood and they gave us the best policy. All the way through they were courteous and nothing was to much trouble. We found their prices were fair, and we have already recommended them to several of our friends.”

Mr Nanayakkara, St Albans

“On behalf of Holidaysafe your MARIE conducted conversations and obtained all necessary details regarding policy enquirers and medical disclosures in a very efficient and dignified manner. It is with great pleasure I mark my experience as 5 out of 5 for Holidaysafe.”

Miss Jackson, Merseyside

“Quick answer to a quick question. You can ask no more!”

Mr Beesley, Lancashire

“Many thanks for the swift and helpful response to my query. Planning for the holiday(s) continues. Thanks!”

Mrs Hardwick, Essex

“I was very sad to miss my holiday through unforeseen circumstances. However, I was very pleased to have arranged insurance with Holidaysafe. Oliver dealt with my claim professionally and Holidaysafe has paid my claim smoothly. Thank you Oliver and Holidaysafe.”

Mrs Middlebrook, Norfolk

“Having made an error with my online application, (which I hasten to add I did not discover until 3 months later!) it was corrected no questions asked and no hassle. Thank you, can’t beat that for service.”

Mr Higgins, UK

“Very prompt and efficient service to resolve my own mistake. Have used Holidaysafe before and with this level of service I will continue to. Thankyou”

Mr Hope, Bristol

“I have been a customer of Holidaysafe for a few years on-and-off.

I would like to highly recommend them. The available range of policies and helpfulness of all the staff I have dealt with, either by phone or e-mail has been of the highest standard.

I would give them 5+++ if I could.

Repeat documents, policy enquiries, even medical disclosures – all were dealt with highly efficiently and to great satisfaction.

Well done, keep up the excellent work !!”

Mrs Parke, West Yorkshire

“I would just like to say how pleased I was and extremely satisfied with the customer service. I was in a bit of a fluster with myself as I am 67 years old and computer tech sometimes get me worried. I must say though, I got on well with the contact system you have. May I say a big thank you to Lauren and whoever received my message. They really put me at ease. Also they delivered the goods, how good is that. I only wish a few more companies would correspond in the same way you have done. It takes such a lot of stress away. I am really happy with your services.”

Mr McLeod, Caithness

“I took out an Annual Multi Trip policy for my wife and myself. I received an excellent level of online service. Pre-existing medical conditions were declared on the health questionnaire, which were accepted and covered. The experience with the online application to final acceptance, was better than with any other insurance company I have dealt with and cheaper than rival companies. 5 out of 5. Hopefully, I never have to claim, as that is where the test lies on how good your company is !!!”

Mrs Griffin, Hampshire

“Excellent customer relations. Website easy to follow, immediate response, Excellent price with personal follow-up,well pleased, I will definitely use Holidaysafe again.”

Mr Jones, Wrexham

“Great price on holiday insurance where other firms didn’t even come close, and plus recommended by which?”

Mr Butler, Southport

“We took out a ‘single trip’ policy earlier this year with Holidaysafe and were very impressed with both the cost & the service. This prompted us to take out an Annual Multi Trip policy this month (Sept) and again we received the same excellent level of service. I did have a couple of queries re the health questionnaire and these were dealt with both speedily and efficiently. The friendly, efficient service together with a very very competitive price prompted us to take out the policy. I would have no hesitation in awarding 5/5 (where 5 is excellent).”

“Having cocked up my on-line application I had to ring twice to make additions and amendments. The responses by Kyle and Zinzi (hope my spelling is accurate) were exceptional. I was not made to feel like an idiot, for a change, but that my mistakes were perfectly reasonable,which I don’t think they were. So please thank them. We look forward to our holiday and hope that our next contact will be for insurance for our next break.”

“It’s so nice to receive a message of good wishes on my birthday from you and everyone at Holidaysafe. I sincerely appreciate it. I always do holiday insurance with your esteemed firm and, whilst I never had to make any claims, my experience has been very satisfactory.”

“I was on the phone with Amber recently, I was very impressed with her patience and her calming tone to her voice, I felt reassured when finished that everything had been covered I came off the phone thinking what a nice girl. My score is 5 and I will continue to use Holidaysafe”

“To whom it may concern, I have just had the pleasure of a ‘Live Chat’ with an operator of yours called Callum. I found his attitude towards customer service to be friendly and professional. He had a sense of humour that is not always found in people whose job it is to sit and deal with customers answering the same questions all day long. I felt that he was prepared to take the time to look for an answer if he wasn’t fully sure of it, and was polite and, importantly, able to construct sentences that were fully coherent. Not a common scenario in many CS units these days. Thank you.”

Mrs Roberts, Derby

“I just wanted to say we will definitely be using Holidaysafe the next time we travel.  We applied online and were delighted with how easy you make it for the over 65’s with medical conditions. Many thanks”

Mrs Vernon, Nottinghamshire

“I would like to thank you and your company for the holiday insurance you provide to me and my family – we have used your company for several years and have always found the price and cover you provide excellent value for money.”

Mrs Rifaat, Surrey

“I had to call to my travel Insurers recently to make an amendment to my policy, and was wondering how long and frustrating it may be, as these calls often are. To the contrary, I was met with a very positive and courteous voice asking how she could help. Lauren listened carefully to my request, dealt with the amendment, and processed the changes in a totally professional way. It was an absolute pleasure to talk to her. She has a calm and friendly manner and is an asset to Holidaysafe. Please convey my thanks to her.”

Mr Goodrum, Preston

“The person I spoke to was absolutely clear and perfect, they fully understood and the call couldn’t have gone better. I was very pleased with your attentive operative, the service provided and the price. We hope to insure with Holidaysafe next year too! Thank you very much.”

Mrs Wait, Sheffield

“Having researched travel insurance last year, I followed ‘Which’ recommendations and contacted ‘Holiday Safe’. When it was time to renew my insurance for this year, I was delighted to see that the renewal quotation was actually less than I had paid last year. It included a loyalty bonus which I found quite refreshing as so many insurance companies tend to drop the price only for new customers. Consequently. I did not need to spend time researching other companies but renewed with ‘Holiday Safe’ as a satisfied customer.”

Mr Burgin, Yorkshire

“I was more than pleased to use Holidaysafe again, your representative could not have been more helpful.”

Mrs Hughes, Merseyside

“I was very impressed with the very friendly and helpful service I received when I rang with a query. I think the lady’s name was Dawn and nothing was too much trouble for her – I will definitely insure with you again.”

Mrs Pilling, Lancashire

“This is the second time I have used Holidaysafe as my choice of company for holiday insurance. I again was not disappointed. The staff are so helpful. Not rushed, not there to make a sale at any costs, they are there to make sure customers are getting the right travel insurance for their trip. Just brilliant. 5 star company and brilliant staff. Excellent customer service.”

Mrs Russell, West Sussex

“Having booked a flight to USA for December I realised I needed to book travel insurance but came up against problems with online “Compare” sites. I contacted “Which?” who suggested I contacted Holidaysafe – I spoke to Ian who was so helpful and friendly I now intend spreading the word to everyone who mentions Travel insurance. Thank you once again Holidaysafe.”

Mr Jones, Swindon

“The total experience, from initial online application to final acceptance, was better than with any other insurance company I have dealt with for travel cover.  Clear, concise and with the “human touch”, so that when a query came up (through my own mistake), I was quickly contacted by phone and the matter was put right with efficiency and good humour.  Reasonable premium, too. Highly recommended.”

Ms Stinchcombe, Hertfordshire

“I found the staff member I spoke to very friendly and helpful and that his manner made the task of finding insurance a pleasurable rather than irritating one. I would mark this part of the process as 10 out of 10, but of course the real test will come if I should ever need to make a claim.”

Mrs Bell, County Fermanagh

“I was delighted with the advisor who assisted me on Thursday. His excellent communication skills enabled me to renew our annual travel insurance policy. He had such a professional manner and is an asset to your company. I believe in customer loyalty and great service and this was certainly forthcoming.”

Mr Pope, Rickmansworth

We were impressed with the thorough yet tactful way in which my wife‘s medical details were requested bearing in mind how sensitive this area can be.

Mr Fell, Dartmouth

Holidaysafe gave me fantastically helpful service for completion of my travel insurance, including medical risks, at a very reasonable cost. Knocked all others who quoted, or wouldn’t, out of the arena. I shall definitely be singing Holidaysafe’s praises to anyone that will listen. If you’re reading this, don’t bother to try other insurers, except to prove how much better Holidaysafe compares! 5/5+ Stars.

Mr Thorpe, Buxton

“Just thought I’d say it was so refreshing to have my call answered immediately – so rare these days – and dealt with in such a friendly, efficient and professional manner. Many thanks.”

Mr Janagle, West Midlands

“I wish to recognise the excellent customer service and cover provided by your colleague Samantha Sutton. We purchased single trip cover and stared the application online via Martin Lewis link on Money Saving Expert but were unable to complete due to health conditions and medications for me and my son. I rang the contact number and Samantha found our online application and assisted in getting all the health details declared and give us a competitive rate of £26. Keep up the great work and really pleased with the peace of mind offered during our forthcoming trip to Spain.”

Ms Berry, Runcorn

“The person I spoke to was very nice, he explained everything to me very well, he was polite and courteous. I must say I did not expect to get such a reasonable priced travel insurance. We have been traveling abroad for some years and it was the cheapest we have ever had. And yes we will definitely be using Holidaysafe again.”

Mr Wood, Bexhill-on-Sea

“I received excellent help from Ian via telephone call this morning, he helped through the complexities in a clear, calm and professional way. This good service is one of the main reasons I continue to return to renew with HolidaySafe. Very many thanks & best regards.”

Mr Hall, Midhurst

“Having used Holidaysafe travel insurance for the last two years with my many pre-existing medical conditions, I needed to review my details on renewal. My hearing is not great and when this became a problem a callback was arranged with a more experienced person. This lady was brilliant and exceedingly patient. She answered all my questions and was sympathetic towards my concerns. Most reassuring, thank you. Top marks!”

Mr Johnston, Widnes

“I was quoted over £5,000 for my medical conditions on previous sites. Purchased a policy for £110.48. I am very pleased with the service and will continue to go with Holidaysafe.”

Mrs Ward, Stoke-on-Trent

“Just taken out Single Trip insurance with your company. Comprehensive policy very competitively priced. The online form was straightforward and easy to use. I have recommended you to all my friends.”

Mrs Franklin, Malton

“The young lady who helped us was polite, professional and very efficient throughout the procedure. I am not overly confident on the internet and she helped to ensure that we had the right policy for our needs and she checked my husbands medical details to ensure that everything was included and correct. So much easier for me when I am speaking to someone who is patient and knowledgeable. Thank you.”

Mr Perkins, Surbiton

“I would score Holidaysafe insurance 5 out of 5. I have used them for a few years now, both for annual insurance and winter sports insurance, and their staff are friendly, personal and very very helpful with both renewals and claims . I recommend them to all my family and friends.”

Ms Simmons, London

“I am very happy to put in writing that I was really delighted with the service I have received from Holidaysafe.  I was particularly impressed by Samantha who was happy to answer all my questions and took time to explain the difference between the variety of policies that are on offer. These days there can be so much choice it’s really helpful to have someone to point out what all that small print means! I never felt rushed whilst speaking to her and she was a delight to deal with. She clearly scored 10 out of 10 because I initially phoned regarding one policy and I ended up taking out two!  I did call back several days later to clarify one of the points on the schedule and spoke to another operator, who was equally helpful. So, thank you Holidaysafe for providing what feels like a personal service – so different from the response you can receive from many other organisations. Well done!”

Mr Cassidy, Lanarkshire

“What a breath of fresh air it is to do business with Holidaysafe.  Not only are they far and away the most competitively priced but the customer advisors are amongst the best I have had to deal with.  I suffer from Type 2 Diabetes and the proposal process is quite lengthy, but I was dealt with patiently and sympathetically.  After renewing my existing policy I had to call back to add on a Cruise Extension and was met by the same helpful and professional service.  What a refreshing experience, your staff are a credit to you.”

Mrs Wright, Derbyshire

“I talked with a very helpful and friendly advisor who walked me through the various options of travel insurance of which she is very knowledgeable. I had a lot to consider and she gave me confidence in making the best choice to suit my needs. The prices are very competitive and the company has a best buy rating in ‘Which’ magazine. I would definitely use Holidaysafe again.”

Mr Cackett, Kent

“I just wanted to thank you for the prompt, professional and polite service you have given me and just to let you know I will definitely use you again in the future.”

Ms Adkin, East Yorkshire

“I have just taken out two single trip insurance policies using your online system which was easy to follow and use. I had to telephone your Customer Services today because I had made some mistakes (my fault not your systems) and had a query. I spoke to Nicole who was marvellous, very easy to talk to and the service was faultless. I will recommend you to friends and family and will be getting quotes for myself and my husband when our annual policies are due for renewal.”

Mrs Meadows, East Sussex

“I cannot believe that price! Goodness me, you’ve saved me a lot of money. Thank you”

Mrs Kay, London

“An all too common experience is that, once Travel Insurance companies know your age, quotations for insurance are inflated to £100 and upwards. I know what an acceptable rate is and I was growing tired of the time and trouble it took to argue the point. I deeply appreciated that Holidaysafe did nothing of the kind and quoted me a fair an acceptable price for insurance. “

Mrs Staley, Nottinghamshire

“The member of staff who dealt with me was very friendly and helpful. It was quick and easy and all paperwork was emailed to me whilst I was still on phone. The price of the policy was really good and I will be using them next year for my holiday. I would not hesitate to recommend them.”

Mr Gottlieb, London

“I would just like to compliment you all on terrific, friendly and efficient service from the moment of first contact to resolution of quite a thorny problem when trying to obtain insurance for my son Zak’s extended stay abroad. I shall be recommending you to as many others as I can. You guys appear to be an insurance company with a ‘face’ rather than the faceless, bureaucratic, inflexible, computer-led insurance firms I’ve come across in the past. Please pass on my compliments to your team and to your M.D. “

Mrs Schofield, Oldham

“I must congratulate you on the excellent customer service provided when I phoned to arrange my travel insurance.The advisor was very helpful and pleasant to talk to and the price was excellent . Many Thanks.”

“Thank you to George @Holidaysafe for his patience with me in reading out required boring T&C’s etc zzzz You’re a star, George!”

Mrs Phillips, Ayrshire

“Your site was far superior to any other we checked as the questions re medical conditions were far more specific and did not generalise like others. I have shopped every year for medical travel insurance since 2006, and have been unhappy with the generalised nature of the screening every year, until Holidaysafe.“

Miss Cooper, Sussex

“I find myself continually going back to Holiday Safe for all my travel insurance needs as I know I will get 5 star service from their dedicated staff, an affordable tariff and on the one occasion I did have to make a claim, they ensured the whole process was dealt with swiftly and seamlessly. 5/5”

@FizzzyBubbles 

“Literally gobsmacked at the incredible price I got my Mum’s holiday insurance for at @Holidaysafe … a third of last year’s cost. Amazing.”

Mrs Shortland, Surrey

“Thank you for not holding my recent, serious illness against me. Your company cost me just a third of the price of two other quotes I had. We all need our well earned holidays but when bad health suddenly strikes it impacts on the whole family in many ways including financially. Holiday safe has enabled me to afford an extra night away. I was not only treated with respect, dignity and patience but with empathy also. I will recommend this company without hesitation to my family and friends.”

Ayres Smith, Leamington Spa

“I can only comment on my experience of taking out insurance with your company and the service I received from the person taking my details. That I felt was very good as she was clear, patient and did not push for a sale. I would rate it 4 out of 5 “

Mrs Hansing, UK

“I also wanted to say that I have had an extremely good service during the past year.  I went to Fuerteventura in March and I was ill.  I had breathing difficulties (acute bronchitis) and need to get quickly to a private medical centre (5 mins from my hotel) rather than a 40 minute cab drive to the hospital where I could have used my EHIC.  I didn’t get prior approval for the private treatment and realised when I got home that, technically, I needed to have done this in order to submit a claim for medical expenses.  Nevertheless, I put in a claim, providing reasons why I didn’t get prior approval and was pleased to discover that my claim had been honoured and a cheque was sent to me.  In my opinion, I was treated very well, and feel confident to renew.  Many thanks!”

Mr Morgan, Hertfordshire

“Just a few words to say what a pleasure it was dealing with the staff at Holidaysafe. For various reasons my enquiry was rather complex and I can honestly say that the three colleagues that I spoke to at different times were excellent. All were knowledgeable, helpful, friendly and above all very professional. Special thanks go to Melissa S. who was very patient and proactive. Other companies could do well to see how it should be done. I used to be an A1 award accredited NVQ assessor for customer service, and I don’t recall coming across such consistency in approach as your team.”

Mrs Dorrell, Essex

“Having made a mistake filling in the Holidaysafe medical questionnaire on line I was unable to correct it, so gave up!  The next day I telephoned Holidaysafe who found my half-finished booking and we managed to correct and complete it over the phone.   The Customer Advisor had a very pleasant manner and was extremely patient and helpful.   I have yet to make my trip but would certainly contact Holidaysafe again following this particular experience.”

Mrs Stevenson, Essex

“I am so happy to have found a company who were so helpful and I wish I could remember the young lady’s name I spoke to. She was lovely!  I was almost to the point of cancelling our holiday and it was only by chance I read  a “Which” report that led me to your company.  I have already told my family, so you will probably be getting more customers in the near future!”

Mrs Clarkson, Mortherwell

“That price is absolutely terrific, really great! Compared to others that is fabulous. Thank you so much for all your help. I am delighted with your customer service and would mark my experience as 5 out of 5.”

Mr Wright, Shropshire

“The customer advisor who dealt with my insurance package was extremely courteous, clearly had many years of experience, and talked me through all of the details and options available.  Client service is of paramount importance and I have no hesitation in recommending Holidaysafe.  It was a pleasure to deal with a living, human being!  Five stars out of five.”

Mrs Paterson, Guisborough

“I contacted Holidaysafe after reading an article in the Which consumer magazine, September 2014, which gave its policies the highest rating for all age categories 18 – 79 year old and also for Family cover.

I had a problem with the medical declaration section of the on line quote and so left my telephone number for them to contact to me. I was contacted by a very helpful and patient lady, who did not rush me to explain my minor ailments and took time and care to ensure my medication was correctly listed.

The quote I received for an annual policy Worldwide including USA and Canada, (31 days per trip) was £73 lower than another Insurance company, who agreed I was receiving comparable cover, to their higher quote, when they phoned me back to ask if I was taking up their policy.

I would certainly recommend that anyone fill in their easy on line application – you might be pleasantly surprised.”

“I used Holidaysafe insurance last year and found the service fantastic, and I would like to book my next holiday insurance with Holidaysafe again. I’ve also recommended Holidaysafe to my mum and dad”

Mrs Simpson, Manchester

“Excellent company to deal with.  We had no problems dealing on line,  and were very happy with the cover for the price,  which was much lower than the company we dealt with last year for a couple.  The policy was sent back to us in seconds,  and was easy to understand when checking.  Would definitely use holidaysafe insurance for future journeys.”

Miss McNeill, Kinross

“I just want to thank yourselves for your prompt professional service regarding my claim. You have been very helpful, during a difficult time for me and I cannot thank you enough. I will highly recommend your services to my friends and family. Keep up the good work.”

Mr Bell, County Antrim

“Clear, concise information without the hard sell. I rate my experience with your company top notch 5/5.”

Ms Bartlett, Gloucestershire

“This is my third time of using Holidaysafe to insure trips abroad, once for myself , once for my daughter and most recently for us both. Previously I used comparison sites but never felt sure if I was adequately covered.

I am a big fan of Martin Lewis and felt if he was promoting Holidaysafe then you will be a high quality company offering adequate cover, at competitive prices. This I found to be so; very easy to get a quote on line, with clear choices of cover, easy to compare different levels of cover and really good prices.

Even with the extra premium for a declared medical condition, the quote for both of us was less than the holiday company was offering to cover one person and that was without adding on the extra premium for a medical condition! In fact, from my first experience of using your company to buy travel insurance I have not felt the need to look at numerous other sites. I feel safe to travel with your product.

When I needed to contact Holidaysafe by telephone to update some information, I felt valued, the staff were friendly and interested. Thank-you”

Dr Sheldon, Great Yarmouth

“Have just had extremely good service from one of your staff (Lee). Very impressed, thank you.”

Mrs Ashcroft, Hampshire

“I have just booked holiday insurance with Holidaysafe.co.uk.  The customer advisor was happy and extremely helpful. The documents arrived promptly and of course the price was very competitive.  I would give the service a full 5/5.  Thank you. “

Mrs Fisher, North Yorkshire

“I found your website easy to use, and when I rang up because I had a few queries, the young man who answered was very helpful, courteous, pleasant  and efficient.Tthe cover seems comprehensive and good value for money – hopefully we won’t  need to find out. Happy to give 5 stars.”

Mr Purchase, Conwy

“I have used your company twice and on both occasions was extremely impressed by the amount of medical knowledge, the sincere desire to assist me and the personal sensation of being an individual rather than ‘Just another customer’  I wish more companies were as enjoyable to deal with as yours. In the near future I expect to be requesting another quote for travel insurance.from your excellent staff.”

Mr Dent, Oxford

“Holidaysafe quoted me for the second year for an annual worldwide travel policy and I was pleased to find that my first year’s policy hadn’t been a loss-leader to draw me in – the renewal was again reasonable so I didn’t need to waste time looking for alternative quotes. A pleasant young man to talk to as well. If only companies offering other insurance products would be so straightforward as your company was last week.”

Mr Green, Norfolk

“You will be the first company I contact to seek travel insurance. The thoroughness, patience and friendliness I experienced in my interview with Dionne? (a new trainee?) was exceptional and I really appreciated it. Excellent service, and I am very happy to confirm that ‘publicly’. I will be recommending your company highly to friends.”

Mrs Moore, New Malden

“I am very happy that I found Holidaysafe to do our holiday insurance, and this was well before Martin Lewis recommended yourselves. It is nice to find a company in the insurance world that is fair with senior citizens, and people that have health problems, so that we can still travel. It is also a bonus to speak to friendly and polite staff. I have recommended you to my friends and family, and will continue to do so – keep it up !”

Mr Philippidis, Berkshire

“Very professional and took me through the process in a very light hearted manor and not the mundane process usually associated. Very happy with the price and the process.”

Mrs Francis, Leicestershire

“Thank you for your excellent service this morning and the prompt email with the relevant documents”

Mr Mark J, West Yorkshire

“Just to say a warm thank you for making this amendment without any additional charge – I very much appreciate it. 5 stars out of 5, so far. Hopefully I’ll never need to claim, but I guess that would be the other aspect of service that would be important, and which I hope would go as smoothly.”

Mr Harris, Kent

@Holidaysafe go check these guys out for travel insurance, awesome customer service, very helpful #ttot #travel #insurance #holiday

Mr Price-Evans, Chichester

“I have always found Holidaysafe to be great value and easy to deal with, I would recommend them to anyone”

Mrs Beavan, Herefordshire

“Very good experience both with the website, which is very easy and clear, and with the customer service which is better than most. It is refreshing to know that not everyone regards us 70+ folk as beyond being able to travel  –  we still enjoy it immensely now that we have more time to do it!”

Mr Fry, Chelmsford

“The way the call was handled and the customer service was excellent. Very professional and customer focussed. It’s great that you don’t have to phone a call centre…or India ! The experience will mean I would definitely consider again as well as recommend to friends and family”

Mr Martin, Newton Abbot

“Well done and thank you to everyone at Holidaysafe for your quick and effective service. Well done.”

Mr Holroyd, Surrey

“Very pleased with the quote handling process, very good service and very professional”

Mrs Smith, Warrington

“My husband & I used your services in November 2013 when we travelled to America, excellent help with the booking and great customer services, this is the reason I have come back. Today I have had a call from Holidaysafe and after answering the relevant questions you have quoted me a price, offered to send it through the post & even send it through email.  I have found your staff very helpful & speaking to your customer service advisors is like talking to a friend. This type of service I have never received before &  friends who have had travel insurance with other companies agree their customer service did not compare with Holidaysafe, so well done!!”

Mrs Webster, Leicestershire

“Thank you so much for your time today, you’ve been really helpful and the price is amazing. The representative I spoke to had a friendly approach and was very helpful.  He spoke clearly and had a good knowledge of the product I was enquiring about. I am very pleased with the service I have received and I will certainly use Holidaysafe again in the future for myself and my family.”

Mrs Hutchinson, Cheshire

“Your customer service has been amazing, I am happy to renew my Multi Trip policy with Holidaysafe due to the great level of service I have received.”

Mr Garaway, Berkshire

“Thank you very much, you have been very very professional and incredibly thorough. You have done a good job thank you.”

Mr Roberts, Morley

“I am very impressed with your company, I heard about you from Martin Lewis and your prices are very competitive.”

Mrs Collinson, Cornwall

“I would to thank Naomi for her  professionalism and patience when taking details of our medical history and answering all my questions. And Joanne for sorting out the queries I had later. Both were very helpful and easy to talk to. Far more so than other companies I had previously approached. I am not at all surprised that you are a WHICH? recommended company. I have no hesitation in marking my experience with your company so far at 5 stars.  It was such a relief to have common sense as part of the medical screening process instead of the usual blinkered ticking of boxes. Once again thank you for your help.”

Mr Salmon, London

“Thank you, I would like to say a lot more because you’ve done so well. Your company could make a lot of money training other companies, because you just seem to have it! You have recruited your staff very well, and I am thoroughly impressed.”

Mr Worth, Cwmbran

“I am very impressed – so often these days when you try and enter into a dialogue with any customer services department – you end up getting stone walled by red tape and no one being prepared to make a decision. So once again hats off to you for your help and assistance it is very much appreciated.”

Mr Harms, Yorkshire

“I am very pleased with the policy, and comforted through knowing it’s a Which? Best Buy. Very speedy and professional service.”

Miss Robinson, London

“Finding the time to renew ones travel insurance is always tricky and am sure I’m not the only person to leave it to the last minute to get it done, meaning I’m usually in a panic when I come round to it. When I rang through I was attended to by Lisa who immediately put me at ease, and reassured me that we’d get my paper work in order before I left. She was friendly, cheerful, helpful and incredibly well informed. I had a couple of special requirements that other insurers I’ve tried to deal with have struggled to help me on, such as stays abroad for more than 31 days, but Lisa and Holiday Safe were able to meet all my needs as well as put my mind at rest that when my baby is born, it’ll be able to fit onto my insurance policy without any glitches. It makes such a difference when someone goes out of their way like Lisa did to make the process as easy and pleasant as possible. Thank you”

Mr Smith, Hartlepool

“Many thanks for your excellent customer service and I will certainly  recommend and use this company again.”

Ms Davies, Cardiff

“I would just like to thank you for your customer care, it’s been fantastic.”

Miss Orbaum, London

“I looked through several policies on line and Holidaysafe was definitely the most user friendly.”

Mr Davison, Kent

“I can understand why you’re so high up the list on the Which? report. Thank you.”

Mrs Latham, London

“I am very impressed with this insurance.”

Miss Howie, Essex

“Brilliant customer service, really knowledgeable and helpful, great job!”

Mr Harmon, Feltham

“Is that your price? Really? I’ve been quoted £200-£300 elsewhere.  That’s great.”

Mr Carr, Tyne and Wear

“The gentleman that dealt with my health issue could not have been more helpful, and your company’s common sense approach to health problems, is a real breath of fresh air, compared with the hurdles and brick walls erected by others! I am indeed glad to have  found you and will certainly be passing the word on.”

Mr Jeffery, Grays

“Perfectly fine & smooth sailing, I came across you from Money Saving Expert and you’re very good value.”

Mrs Hawkes, Hampshire

“Thank you ever so much I am really happy with the quote for my son and when my insurance comes up for renewal I will certainly be looking to take this out with your company.”

Mrs Edgar, Devon

“I am very happy with this price, you’re very competitive. I have been with the same insurer for years but decided to shop around, and they were about double your price!”

Mrs Watson, Cheshire

“I was very very impressed with your on line screening system.  Very easy to use. As though it had been set up by a medical practitioner.”

Mr Lee, East Sussex

“Absolute superstar, best person I have ever dealt with on the phone. Great service.”

Mr Charles, Midlothian

“I like it, I’ll buy it, SOLD!”

“Very friendly, efficient, helpful and competitive.”

Mr Chart - 19th February 2013

“Nice and easy, much appreciated.”

Miss Chen, 18th February 2013

“Thank you very much for help. This is the first time I bought policies from you and I already feel that you have provided me with exceptional customer service. Very impressed.”

Mrs Coppersthwaite - 2nd February 2013

“[I have] just taken out insurance with Holidaysafe and can’t believe how cheap it is as I have [a] pre[-existing] medical condition, I also booked with them last year [and] would recommend people to book insurance with them.”

Miss Morton-Smith, 22nd January 2013

“Thanks very much, you and your team have been a huge help. …those who have been politely responding to my emails have been most helpful, and have given me clear and useful advice. Your help and service is very much appreciated.”

“Others out there should know what a lovely, helpful team you have”

Mr Robert Denyer, Merseyside

“Top rate Insurer for speed and efficiency. Registered my claim 2nd September. Submitted my claim 3rd . Came straight back to me to say that a couple of my documents had been sent in the wrong format (my error). Received a response to my claim today (4th) along with some useful advice. Very professional. Will definitely use them again in future.”

Mr & Mrs A T & G K Jones

“HolidaySafe has been excellent so far with their customer service, we’re now using for the third year running. We’ve not had to make a claim yet. For a couple, insurance over 75’s with medical conditions the price is fantastic, also the increases to premiums each year have been very reasonable compared to other companies. I would definitely recommend their insurance, it even covers Covid19 conditions.”

“To continue to provide cover for two motorcyclists in our 70s is good news, but the cream on the cake came when we realised that our cover period had been extended by three months on renewal, simply to reflect the three months under lockdown when it had not been possible to travel. Well done.”

Margaret Boardman

“I took out joint insurance for myself and my husband who is now 70 and the price wasn’t over the top as some other insurance quotes. Very good value. Will continue to use them as long as we can travel and the price is affordable.”

Roger Carnie

“1st class product; no big price hikes through the virus as we are over 76. This was a big plus for us, many thanks for a 1st class service.”

“I have used Holidaysafe for around 5 years as I found that in my case they have been very competitive with premiums, especially the loading for a pre-existing condition.

When I was ill abroad in April 2019, and needed a doctor, they were easy to reach by phone, very efficient and dealt with everything to my and the doctors satisfaction, and I got the treatment I needed.

If you have not used them before I would give them a try.”

Mr Robert Grieve

“We have entrusted our holiday insurance, safety and protection with Holidaysafe for several years now. Both online and staff customer service is excellent, friendly and reassuring. Any queries we have had, have been promptly and satisfactorily dealt with. We can thoroughly recommend Holidaysafe for top quality travel insurance, all over the world and for a premium you can afford. They have given us full assurance over Coronavirus effects on travel and holidays. So, travel, insured by Holidaysafe is both a happy and safe holiday.”

“ Unfortunately, I had to make a claim due to my 92yr old father-in-law falling and breaking his hip and needing an emergency operation a couple of days before my wife and I were due to go on holiday. I contacted Holidaysafe and was helped at all stages of my claim and was dealt with by knowledgeable professional people at all times. My claim was paid in full, minus the excess with no problems, I would definitely recommend this company for your travel insurance.”

Please note, Holidaysafe’s online prices automatically include a 15% discount against our Customer Service Centre prices.

• Terms & Conditions
• Privacy Policy
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Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN 306537. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Travel Insurance Facilities Plc registered in England No. 3220410. All rights reserved. All policies offered are on a non-advised basis.

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Holidaysafe Travel Insurance Review: The Specialist Travel Insurance for You?

• Customizing travel cover to your individual needs
• Insuring long trips
• Covering Financial Failure
• Including Personal Belongings/Baggage on all plans
• Buying very easy-to-understand, all-in insurance
• Cover for unused frequent flier miles

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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Holidaysafe is a specialist travel insurer offering free insurance for kids and a wide array of travel insurance options, including niche cover for backpackers, Winter Sports, Cruise, Scuba, Weddings, etc. Plans offer good value, with only the top-tier Premier Platinum premiums exceeding market averages.

In This Review

• Customer Reviews
• Holidaysafe Travel Insurance Price Comparison
• Holidaysafe Notable Features
• Holidaysafe Policy Limits and Coverage Options
• Comparing Holidaysafe to the Competition
• Policy Wording and Claims

Holidaysafe Travel Insurance Review: What You Need to Know

Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits—solid value can be found and plans can be customized to cover your particular activities, but the wide range of options may be overwhelming for those new to travel insurance.

We like the Premier Plus plan for providing solid cover levels at market average prices. But generally speaking, their annual, multi-trip policies offer solid value relative to the market; their Single Trip policies are particularly good value as you can see in our price comparison .

All plans cover some level of Trip Delay, Missed Departure, Emergency Medical, Baggage/Possessions, Personal Liability, Legal Advice, Trip Cancellation /Curtailment, and Gadget cover. Niche cover is available for:

• Winter sports
• Extended sports

Unfortunately, Holidaysafe has recently removed the cover for end supplier financial failure ...

Does Holidaysafe Travel Insurance Cover Trips in the UK? Annual, multi-trip Holidaysafe policies will cover UK travel so long as you are travelling at least 3 days in your home country on any one trip. Trips involving UK travel of less than 3 days aren’t covered. Single Trip policies can, of course, be purchased for UK-based holidays, as well.

Pre-Existing Condition: Holidaysafe may be able to offer cover for some pre-existing medical conditions , although an increased premium or excess may be required. If you decide not to pay the additional premium, any declared medical conditions will not be covered. In order to be covered for any pre-existing conditions, they must be declared by you, accepted by Holidaysafe and any additional premium paid.

Over 65s: The age limit for travellers on Holidaysafe annual multi-trip policies is under 80 years of age at the start of the policy (75 years of age for Winter Sports cover); there is no upper age limit on Single Trip policies, although age does determine the length of trip coverage (e.g. Up to 65 years, 94 days; 66-79 years, 45 days; 80+ years, 31 days).

Holidaysafe Covid cover

All Holidaysafe plans include the following Covid cover :

• Cancellation if you test positive within 14 days of your trip
• Medical expenses if you need medical assistance due to testing positive while on a trip

In addition, they offer an optional Covid-19 extension that covers:

• Cover for self isolation (e.g. before or during trip)
• Missed departure due to a delayed test
• Localised quarantine if your accommodation is placed under quarantine and you miss your transport home
• Cover for changing entry requirements
• Cover for medical expenses and repatriation if you've travelled against FCDO advice

Holidaysafe Travel Insurance Key Points

• 4 levels of cover (Standard, Premier, Premier Plus, Platinum)
• Annual, multi-trip cover for unlimited trips up to 31 or 45 days each
• Single-trip cover up to 3 months
• Cover for trips up to 24 months available through Longstay or Backpacker cover
• Niche cover for Golf, Cruise, Winter Sports
• Personal Belongings cover on all tiers

Customer Reviews for Holidaysafe Travel Insurance

Is Holidaysafe any good? In addition to solid coverage features and competitive prices, Holidaysafe has fantastic customer reviews overall. To learn more about the typical customer experience we read hundreds of customer reviews to look for common complaints and, on the plus side, what customers really like about Holidaysafe. Here's what we found.

Holidaysafe Trustpilot

According to a whopping 18033+ reviews on Trustpilot , Holidaysafe travel insurance is rated 4.6 out of 5 by its customers. Around 3 out of 4 customers rate Holidaysafe as "Excellent" and just 2% gave them a 1-star "Bad" rating.

Positive comments reflect good prices, including for those with medical conditions, and quick, reliable payment for claimable incidents. Here is a sample:

"Covers my medical conditions at a realistic price." "Medical conditions are easy to specify without the need to speak to an agent." "Plain and easy to understand the policy with good levels of cover. Suitable for all ages and cover for all medical ailments." "On a previous holiday to Egypt my wife had an accident that required a couple of costly hospital visits. When we returned from holiday I forwarded all the relevant bills and receipts to holidaysafe and they paid out immediately." "Had to make an unfortunate claim last year due to being in hospital, the service was impeccable, fast and payment was prompt." "Most helpful honest staff and very good prices for the cover." "when I broke my arm and had to cancel my holiday I had no problems with getting my money back with holidaysafe. Brilliant service. Simple, honest and fair."

Not all customers have an excellent experience with Holidaysafe, however. For instance, some policyholders have experienced difficulty with contacting the company to confirm coverage for an emergency medical claim. Here is a selection of negative reviews so you can see some issues:

"The weather here is appalling and the roads out of the town where we are are blocked by deep snow... Holiday Safe have said that if she cannot get to the airport because of the weather she is not covered in any way." "Whilst travelling in Peru I contracted pyelonephritis (severe kidney infection) which required immediate hospitalisation. I contacted HolidaySafe as soon as I was diagnosed and my doctor sent a medical report immediately. Call centre staff were extremely unhelpful and could offer no support or advice to me. I had to pay £1000 upfront to the hospital to be admitted because HolidaySafe couldn't review my policy and confirm I was covered in time... Upon leaving the hospital I had to pay the full cost of my treatment, over £2500. HolidaySafe contacted me nearly a week after I checked out of the hospital to say that my cover had been verified and my claim approved." "I made my claim over 3 months ago now and still no progress."

Holidaysafe Price Comparison

Holidaysafe prices are generally a good value. We gathered publicly-available sample quotes for various Holidaysafe policies for different destinations, to see how prices relate to the average cost of travel insurance in the UK. As shown in the charts, all but Holidaysafe's Platinum Annual, Multi-Trip plans come in below average costs.

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation. For example, rates will vary significantly with age, health history, geographic coverage, and more.

We also gathered quotes for Holidaysafe plans for a family of four—they'll pay on average 2X the cost of an individual policy, because kids essentially go free. Below you can see how prices change across geographical locations like Europe and America and policy types for a family of four, with and without Winter Sports cover.

Notable Features

Here are some highlights of features available on Holidaysafe travel insurance policies. Standard features like Medical and Personal Liability are also included on Holidaysafe policies, limits for which can be found below in the Policies . For more complete details like inner limits and exclusions, please see the policy documents .

Types of Holidaysafe Travel Insurance Policies

Holidaysafe offers 4 tiers of travel insurance (Standard, Premier, Premier Plus and Platinum), plus backpacker cover.

Backpacker and Longstay cover is available in 3 tiers (Backpacker and Longstay, Backpacker and Longstay Plus, Backpacker and Longstay Platinum).

Holidaysafe Single Trip: Holidaysafe Single Trip travel insurance covers trips up to 3 months abroad.

Holidaysafe Annual Multi-Trip: Holidaysafe Annual, Multi-Trip policies cover any number of trips a policy year, up to 31 days (Standard, Premier) or 45 days (Premier Plus and Platinum) each or even 60 for Platinum with an upgrade.

Holidaysafe Backpackers/Longstay: Cover for trips between 3 months and 23 months long.

Below we highlight the features which are added to each higher tier of travel insurance. Generally speaking, cover limits increase through the tiers as well.

Holidaysafe Standard Travel Insurance

Those buying Holidaysafe’s Standard plan have the option to add cover for extra activities, cruise, golf, large scale events, Covid-19 and an excess waiver.

Holidaysafe Premier Travel Insurance

A mid-tier plan, Premier policyholders benefit from higher levels of cover than the standard policy and get end supplier failure as well.

Holidaysafe Premier Plus Travel Insurance

The second highest tier of cover, Premier Plus policyholders benefit from features of the Premier plan but with higher limits for many categories, in particular those related to trip cancellation/curtailment/abandonment, and they pay a lower standard policy excess of £40. Also, once you hit this tier the maximum trip duration is extended on Multi-Trip policies from 31 days to 45 days.

Holidaysafe Platinum Travel Insurance

The top tier Platinum plan includes features of the lower tier offerings, with higher levels of cover across a wide swath of features such as up to £7,500 of cancellation. And there's a £0 excess for all categories of claims! Plus you can extend to cover trips of up to 60 days.

Holidaysafe Cover Limits

Those heading off on a ski, golf or cruise holiday can buy additional cover to protect these types of holidays as well.

Cover Limits for OPTIONAL Winter Sports, Cruise, Golf Travel Insurance

You can check their website for further information on winter sports and golf cover options, here .

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Holidaysafe Travel Insurance Compare to Competitors?

To better understand the value of Holidaysafe travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Holidaysafe Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans are simple and easy to understand. They include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. While prices may be a bit higher, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage, however—you'll need to pay extra to cover your personal belongings as they're not included as standard.

Bottom Line: If you want simple plans that include End Supplier Failure or Natural Disasters, or if you book trips with miles, then Direct Line might be easier for you.

Holidaysafe Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers solid cover for reasonable prices, providing good value for money. Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe are included on all plans.

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, then AXA might be a more comprehensive travel insurance option for you.

Holidaysafe Travel Insurance vs AA Travel Insurance

AA travel insurance is another provider offering good value. In particular, we like their higher-tier Standard plan as it offers higher limits plus includes Abandonment and Financial Failure, may cover pre-existing conditions and you can add extended Travel Disruption protection. Personal Belongings and baggage are covered on all policies, although cover limits may be too low for some travellers. When purchased online, customers can lock in a 20% online discount for the first year.

Bottom Line: If you want to secure an online discount, AA offers 20% off to new customers.

Other Useful Information

• Holidaysafe Travel Insurance Policy Wordings

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Holidaysafe Travel Insurance Review

Everything you need to know before you buy travel insurance from Holidaysafe!

The experts say:

Holidaysafe's Platinum policy is one of the most comprehensive travel insurance packages on the market, boasting a Which? score of 78%, placing it 8th out of 71 providers. For those looking for superior COVID-19 coverage, Holidaysafe is hard to beat, providing coverage up to £10 million for medical expenses. On top of that, airline failure cover is provided as standard and baggage cover up to £5,000 with cancellation cover up to £7,500 - making it ideal for anyone planning a longer trip. The only downside is that the excess payble on medical claims is not known, but this shouldn't put you off considering the wide range of features included in this package.

What Holidaysafe customers are saying right now:

• 😊Straightforward to arrange and get cover
• 😃Helpful even with health issues
• 🤩Very helpful customer services
• 🙂Easy to tailor policy to individual needs and budget
• 👍Efficient and prompt service with documentation emailed quickly
• 😡 Poor customer service, with some people not receiving a call back after requesting one.
• 😠 Difficulty getting through on the telephone.
• 😣 Medical screening process could be simpler.

Holidaysafe customer reviews summary

HolidaySafe travel insurance has been getting a lot of praise for its straightforward, easy-to-use website and helpful customer services. Whether you have health issues or just want the peace of mind that comes with comprehensive cover, HolidaySafe has you covered. With its competitive prices and ability to tailor your policy to your personal needs and budget, it's no wonder that customers are giving it an 8/10.

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Holiday Safe Travel Insurance Review: Is It the Right Coverage for You?

Are you planning a holiday trip anytime soon? If yes, then you must consider purchasing travel insurance to ensure a safe and secure travel experience. One of the reliable insurance providers in the market is Holiday Safe Insurance, offering a wide range of insurance plans to cater to your needs and budget. However, before you finalize your decision, it’s crucial to understand various aspects of Holiday Safe Travel Insurance, such as its reviews, potential problems, and its different plans, including premier travel insurance, cruise insurance, and more. So, let’s dive into a comprehensive discussion about Holiday Safe Insurance and determine whether it’s the right travel insurance plan for you.

Table of Contents

1. Introduction to Holiday Safe Travel Insurance

Holiday Safe Travel Insurance is a trusted and reliable choice for anyone who is planning to travel overseas. This insurance provider offers various types of policies, including cruise, premier, and regular travel coverage to suit the specific needs of each traveler. With headquarters in the UK and an online platform accessible from anywhere around the world, Holiday Safe is popular among travelers who value easy, affordable, and comprehensive travel insurance coverage.

Holiday Safe Travel Insurance offers comprehensive coverage for medical emergencies, cancellation and curtailment, personal belongings, and legal expenses, among other benefits. Customers can choose from Single Trip or Annual Multi-Trip policies, with the latter offering unlimited trips throughout a year. Additionally, they offer policies for various types of travel, including adventure sports and cruises, which are often excluded from standard travel insurance policies.

One of the biggest advantages of choosing Holiday Safe over other travel insurance providers is the affordable pricing and flexible payment options. Customers can opt for pay-per-day coverage and receive discounts on plans for extending their trip duration. The company also allows pre-existing medical conditions to be declared and offers adaptive travel coverage to ensure that customers can enjoy their trips without any worries.

However, despite this being an excellent insurance provider, there have been some miscommunications with customers, leading to some negative reviews. A handful of customers have claimed that the company did not pay out on claims, and others suggest that the customer service is sometimes inadequate and slow to respond. Nevertheless, with many good reviews and an overwhelmingly positive track record, Holiday Safe Travel Insurance remains a popular choice for many travelers who put their trust in their services.

2. Review of Holiday Safe Travel Insurance

Holiday Safe Travel Insurance is a well-known travel insurance provider operating in the UK market. The insurance provider offers various plans catering to the needs of different types of travelers. The plans provided by Holiday Safe Travel Insurance are designed to cover travelers for trip cancellation, medical expenses, lost baggage, and other unexpected events that may occur during travel. The company takes pride in providing quality service and has received generally positive reviews from its customers.

Travelers who are looking for comprehensive insurance coverage can consider purchasing Holiday Safe Premier Travel Insurance. This plan provides a higher level of coverage compared to the standard travel insurance plans offered by the company. Holiday Safe Premier Travel Insurance offers unlimited medical expenses coverage, trip interruption, and cancellation coverage up to £7,500. Additionally, the plan provides coverage for winter sports and hazardous activities. The customers who have opted for this plan have praised the insurance provider for providing them with peace of mind during their travels.

Some customers have reported problems with the claim process of Holiday Safe Travel Insurance. The company’s claims department has been criticized for being slow in processing claims and for requiring extensive documentation from the policyholders. The company has addressed these concerns by improving its claims process and by hiring additional staff to deal with the claims. Despite the concerns raised, many customers have reported receiving prompt and efficient service from the company’s claims department.

Holiday Safe Cruise Insurance is another plan offered by the company that is designed specifically for cruise travelers. This plan offers additional coverage for missed ports of call, cabin confinement, and cruise itinerary changes. The plan also covers emergency medical expenses, trip interruption, and cancellation. Customers who have opted for this plan have appreciated the additional coverage provided by the company and have found it to be a good value for money.

In summary, Holiday Safe Travel Insurance is a reliable travel insurance provider that offers various plans to cater to the needs of different types of travelers. The company has received generally positive reviews from its customers and is known for providing quality service. Despite concerns raised about the claims process, the company has taken steps to address them. Customers who are looking for comprehensive travel insurance coverage can consider purchasing Holiday Safe Premier Travel Insurance or Holiday Safe Cruise Insurance.

3. Benefits of Holiday Safe Insurance for Travelers

Holiday Safe Insurance is a reliable travel insurance provider that offers a range of insurance policies for different types of travelers. One of the benefits of using Holiday Safe Insurance is their 24/7 emergency medical assistance, which is available globally. This means that if a traveler falls ill or gets injured while on the trip, they can access immediate medical assistance without worrying about the cost. The medical professionals are on hand to offer advice, provide translation services, and even arrange for medical evacuations when necessary.

Another benefit of using Holiday Safe Insurance is their wide range of coverage options. They provide coverage for single-trip, annual multi-trip, and long-stay policies. Their policies cover various aspects of travel, including delays, cancellations, loss of luggage, missed flights, and accidental damage to third-party property. This means that travelers can enjoy their holiday with peace of mind, knowing that they are covered for any unexpected event that may disrupt their trip.

Holiday Safe Insurance also provides coverage for adventure activities such as bungee jumping, skydiving, and white-water rafting, which other travel insurance providers may exclude from their policies. This means that adventurous travelers can indulge in their favorite activities without worrying about the cost of treatment in case of an accident. They also offer coverage for cruises, including missed ports of call, cabin confinement, and itinerary changes.

In conclusion, Holiday Safe Insurance is an excellent choice for any traveler looking for comprehensive coverage at an affordable price. Their policies cover a wide range of travel-related risks, and their 24/7 emergency medical assistance is globally available. With Holiday Safe Insurance, travelers can enjoy their holiday with peace of mind, knowing that they are covered for any unexpected events that may arise.

4. Potential Issues with Holiday Safe Travel Insurance

Holiday Safe Travel Insurance is a popular choice for many travelers due to its extensive coverage options and affordability. However, some customers have reported potential issues with the company’s policies and customer service. One of the main concerns is that the coverage may not meet expectations in certain situations. For instance, some customers have mentioned that the policy does not provide enough coverage for medical emergencies or pre-existing conditions, which can be a major drawback for travelers with health issues. Additionally, some policyholders have encountered difficulties when filing claims, with delays or rejections being reported. Therefore, travelers should carefully review the policy terms and conditions and consider their individual needs before purchasing Holiday Safe Travel Insurance.

Another issue with Holiday Safe Travel Insurance is that some customers have experienced problems with the customer service. This can be frustrating, especially when dealing with urgent or complex situations such as canceled flights or lost baggage. Some customers have reported difficulties in reaching the company’s representatives or obtaining timely assistance, which can lead to additional stress and expenses. Furthermore, the quality of the communication and advice provided by the customer service team may not always be satisfactory, leading to confusion or dissatisfaction. Therefore, travelers should ensure that they understand the company’s communication channels and procedures and choose a policy that offers reliable and accessible support.

Holiday Safe Travel Insurance also offers different coverage options tailored to specific types of trips, such as cruises or winter sports. However, some customers have perceived that these policies may not be as comprehensive as advertised, leaving them exposed to unexpected costs or risks. For example, some customers have reported that the cruise insurance policy does not cover all the activities or destinations they had planned, resulting in additional fees or cancellations. Similarly, some winter sports enthusiasts have pointed out that the policy may not include all the necessary equipment or injuries, which can be costly and dangerous. Therefore, travelers should carefully read the policy details and exclusions and consult with the company or their travel agent before purchasing a specialized policy.

Finally, some reviews of Holiday Safe Travel Insurance have raised concerns about the transparency and clarity of the company’s marketing and policies. Some customers have noted that the policy language and terms may be complex or unclear, leading to confusion or surprises when making claims. Additionally, some customers have perceived that the company’s claims of having a 24/7 assistance service are not fully accurate or reliable, which can be problematic for travelers in emergencies. Moreover, some customers have reported that the company’s website and documentation may not provide enough details about the policy coverage or exclusions, making it difficult to compare with other options. Therefore, travelers should take the time to research the policy thoroughly and ask questions if they are unsure about any aspect of it.

5. Premier Travel Coverage with Holiday Safe

Holiday Safe offers comprehensive travel insurance to ensure that every traveler can enjoy their trip with the peace of mind that comes from having adequate coverage. With their premier travel coverage, Holiday Safe provides travelers with top-notch protection against unforeseen circumstances that could potentially ruin one’s travel plans. The premier travel coverage includes higher levels of medical, cancellation, and baggage cover, as well as additional benefits such as travel delay cover and cover for missed departure. This insurance policy is ideal for those planning on traveling for an extended period, as it provides long trip durations of up to 18 months. Additionally, customers can benefit from an easy and hassle-free claims process, as well as a 24/7 emergency assistance line, adding further protection and security to their travels.

Holiday Safe is a reliable travel insurance provider that prioritizes its customers’ needs by offering a range of comprehensive and affordable insurance policies that cater to different types of travel. The company also offers various levels of cover to ensure that customers can tailor their insurance policies to suit their specific needs. Holiday Safe’s premier travel coverage, in particular, has proven to be an excellent option for those seeking high levels of protection, especially for medical emergencies, which can be expensive without adequate coverage. The policy also offers unlimited medical expenses for people with pre-existing medical conditions, making it an ideal choice for those who require such coverage.

Although Holiday Safe provides excellent insurance coverage, some customers have experienced issues with the company’s service and support. Some customers have reported delays in receiving payments, while others have had trouble contacting the customer service team. These issues highlight the importance of thoroughly reviewing the terms and conditions of Holiday Safe’s policies and assessing whether they meet one’s individual needs and budget. It is important to note that while issues may arise, the company continues to offer competitive coverage and benefits, making it a viable option for travelers seeking comprehensive insurance policies.

Holiday Safe’s premier travel coverage provides peace of mind to travelers seeking a high level of protection during their trips. With generous coverages for medical emergencies, trip cancellation, and baggage loss, customers can feel secure knowing they will be taken care of in an emergency. The policy is also flexible, offering options to tailor one’s coverage to meet their specific needs. While there have been some reports of service and support issues, the quality of coverage, and the ease of the claims process offered by Holiday Safe makes them a worthy consideration for travel insurance coverage. Overall, Holiday Safe is a reputable travel insurance provider that can offer peace of mind and comprehensive coverage for your next trip.

6. Holiday Safe Cruise Insurance for Adventurers

Holiday Safe Cruise Insurance is an excellent option for travelers looking to explore the seas with peace of mind. The insurance policy provides comprehensive coverage for a wide range of eventualities that might occur during a cruise trip. With Holiday Safe Cruise Insurance, travelers can rest easy knowing that they are protected against accidents, illnesses, loss of luggage, trip delays, and cancellations, among other things.

One of the standout features of the policy is the amount of coverage it provides. Travelers can choose from several different levels, depending on their needs and budget. For example, the Premier level provides up to £10 million in medical expenses and repatriation coverage, as well as up to £10,000 for trip cancellation and curtailment. In addition, passengers can benefit from 24-hour assistance and emergency medical evacuation if necessary.

Another strong point of Holiday Safe Cruise Insurance is the ease of purchase. Customers can obtain a quote online and buy their policy straight away, without the need for lengthy phone calls or paperwork. The website is easy to navigate, and the process for getting a quote is straightforward and quick. That said, it is essential to read the policy document carefully to make sure it meets your specific needs.

Finally, it is worth noting that while Holiday Safe Cruise Insurance has generally received positive reviews, some customers have reported issues with filing claims and delays in reimbursement. As with any insurance policy, it is important to fully understand the terms and conditions and follow the guidelines for making a claim to avoid any problems.

7. Customer Feedback on Holiday Safe Travel Insurance

Holiday Safe Travel Insurance is a UK-based company that provides various travel insurance services, including premier and cruise cover. The company promises to offer comprehensive coverage to its customers. However, the quality and effectiveness of its services have been called into question by some customers. According to various online reviews, some customers have encountered problems with their policies and found it difficult to get their claims approved.

Some customers have reported that they experienced difficulties in getting their claims processed. One customer complained that they had problems with their luggage, and when they submitted their claim, the process took a long time to complete, and they had to keep following up with Holiday Safe. Another customer mentioned that when they had an accident on their trip, they had a hard time contacting the company’s emergency helpline. The customer claims that they were left stranded without any assistance for hours.

While some customers have had negative experiences with the company, others have had positive experiences. One customer praised Holiday Safe’s exceptional customer service and the ease of use of their claims process. The customer stated that they had an issue with their flight, and the company reimbursed them quickly without any hassle. Another customer appreciated the company’s transparency and clear communication, which helped them understand their coverage and make informed decisions.

Several customers have highlighted the importance of reading through the policy’s terms and conditions to avoid any misunderstandings and complications. Some customers have cited specific portions of their policies, like the exclusion of certain activities or pre-existing medical conditions, as reasons why their claims were denied. Therefore, it is essential to thoroughly read through the policy documents to ensure that you understand the coverage and limitations.

In conclusion, while some customers have faced issues with Holiday Safe Travel Insurance, the company has also received positive feedback from other customers. While communicating with their customer service representatives, it is important to exercise patience and be prepared with all of the necessary documents. Reading the policy documents diligently and comprehensively and carefully evaluating your coverage needs can minimize the risk of complications and misunderstandings.

8. Comprehensive Protection with Holiday Safe Insurance

Holiday Safe Insurance offers comprehensive travel insurance coverage to individuals for their vacations. This insurance encompasses policies for many different types of holidays, including cruise insurance, premier travel insurance and even bespoke protection that is tailored to your specific requirements. This means that whether travellers are looking for a policy to cover a short city break or a months-long backpacking trip, Holiday Safe Insurance has them covered. The range of policies offered means that travellers can find a coverage that suits their individual needs, giving them the reassurance they need to relax and enjoy their trip.

One of the key benefits of this insurance is their customer service team. They provide support to clients throughout the process of buying the insurance, as well as providing travel assistance to policyholders during their trip. This is an invaluable service that can offer peace of mind in all sorts of circumstances, from medical emergencies to travel disruptions. In addition to this, Holiday Safe Insurance has an excellent reputation for dealing with claims quickly and efficiently. They provide policyholders with the support they need from start to finish, making the claims process as stress-free as possible.

Travellers seeking a high level of coverage will be pleased to find that Holiday Safe Insurance provides a range of policies that offers such coverage, including coverage for emergency medical expenses, cancellation and curtailment, baggage and personal possessions, and personal liability. These policies are designed to provide the highest level of protection for travellers no matter where in the world they are going.

Overall, Holiday Safe Insurance appears to be an excellent choice for individuals looking for comprehensive holiday travel insurance coverage with professional and reliable customer service. Their range of policies allows travellers to be confident in the coverage that they have, letting them focus on enjoying their time away. It’s worth comparing their policies against other travel insurance providers to ensure you find the most suited policy for your next trip!

9. Easy Claims Process with Holiday Safe Travel Coverage

Holiday Safe Travel Insurance is a popular option for many travelers looking for comprehensive coverage during their trips. One of the most attractive features of this travel insurance provider is its easy claims process. Customers can file their claims online, and the process is hassle-free and straightforward. In case of an emergency, members can contact the 24/7 support team to receive prompt assistance. The company is known for its excellent customer service, and the claims process is no exception. In most cases, claims are resolved within a few days, and payment is made directly to the customer’s account, making it easy to recover any expenses incurred during the trip.

Holiday Safe Travel Insurance is also an excellent option for those seeking a range of coverage, including higher levels of medical coverage, cancellation, and lost baggage protection. With various coverage options available, members can tailor their policies to meet their specific needs. This flexibility is especially valuable for those planning longer or more complex trips, such as cruises or multi-destination vacations. Regardless of the plan chosen, customers can trust that they are well-protected throughout their travels.

Reviews from current and former customers of Holiday Safe Travel Insurance also highlight the company’s professionalism and attention to detail. Members appreciate the clear communication from the provider and the easily accessible policy documents. Moreover, they report feeling secure and well-protected during their travels, knowing that they have comprehensive coverage in the event of any unforeseen circumstances.

In conclusion, travelers looking for a reliable, comprehensive, and flexible travel insurance provider should consider Holiday Safe Travel Insurance. With an easy claims process, a range of coverage options and excellent customer service, this provider is a fantastic value for money. Whether you are planning a short weekend getaway or a more complex trip, Holiday Safe Travel Insurance has got your back. So, sit back, relax, and have peace of mind while traveling, knowing that you are protected by a reliable insurance provider.

10. Why Choose Holiday Safe Travel Insurance for Your Next Trip?

When it comes to travelling, it’s essential to have the right insurance in place to keep you protected in case the unexpected happens. With so many policies available, it can be challenging to decide which one is the best fit for you. Holiday Safe Travel Insurance is one option worth considering for your next trip. Here’s why:

Firstly, it offers a variety of policy options to suit different types of travellers. Whether you’re going on a cruise, skiing holiday or simply a city break, there’s a policy that will accommodate your needs. Additionally, it provides flexibility with options to add additional cover for trip disruptions, personal belongings and more.

Another advantage of Holiday Safe Travel Insurance is its extensive medical cover, which includes emergency expenses, hospitalisation, and even repatriation if necessary. In today’s world, medical expenses can be sky-high, and having comprehensive coverage can provide peace of mind.

Holiday Safe Travel Insurance also boasts an easy-to-use online claims process. In case you need to make a claim, you can do so in just a few clicks, and the process is designed to be hassle-free. Not only this, there is a 24-hour emergency helpline that can help you when you need it the most.

Finally, it’s worth mentioning that Holiday Safe Travel Insurance has received positive reviews from many customers. With a rating of 4.7 stars on Trustpilot, it’s clear that many people have had positive experiences with this insurer. The company’s commitment to customer satisfaction is apparent through the excellent reviews and the effort to respond to customer feedback promptly.

Overall, Holiday Safe Travel Insurance has a lot to offer for your next trip. With different policy options, extensive medical coverage, and positive reviews from customers, it’s a policy worth considering if you’re looking for reliable travel insurance.

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Holidaysafe Reviews

All Holidaysafe policyholders get access to a secure and free online Customer Area.

• Service (0)
• Renewals (0)
• Sentiment Score: 9.2/10
• 17118 reviews found on websites such as TrustPilot
• Offer Niche policies including, golf, marathon, motorcycling, mountain biking, running and scuba diving
• Holidaysafe’s Premier Platinum, Premier Plus and Family levels of cover are rated 5 Star by Defaqto
• 24/7 access to a UK GP during your trip
• 24/7 emergency medical assistance
• 14 day cooling-off period
• Featured in the Which? Best Rate Policy tables since 2010
• Rated 5 stars by Defaqto
• £7.5k cancellation cover limit
• Claims (1),
• Service (0),
• Renewal (0)

Brilliant, Honest, Caring

Willing to pay out without you fighting for it, unlike many insurers! The Covid 19 pandemic meant I had to cancel a very expensive trip to the USA, no luck at all getting refunds from Virgin so I finally called my insurance and they sorted everything out no problem. 5 stars.

It's great to know that Holidaysafe was there for you when you needed them Louise, particularly during these uncertain times.

Quotes our team received

Trip Details

7 nights in Spain

Single Trip Quote

Medical cover limit, cancellation cover limit.

Worldwide cover including USA

Annual Trip Quote

Frequently asked questions.

Holidaysafe offers seven levels of cover to choose from; single trip, multi-trip, longstay, over 65s, backpacker, winter sports and niche. You can add optional extras to each policy to provide you with better coverage for the type of trip you’re taking. These add-ons include cruise cover, sports equipment cover, gadget cover, business cover, wedding cover, and financial failure extension.

Holidaysafe does not cover travel to a country, specific area or event which the Travel Advice Unit of the Foreign and Commonwealth Office (FCO) has advised against all travel or all but essential travel. For more information, visit the FCO website .

Yes. Holidaysafe uses a medical screening tool called Protectif to understand the suitability of your health and what the risk of the condition means for the policy you’re looking to buy.

Once they have received your completed claim form, Holidaysafe’s claim process takes 5-10 working days. Some claims may take longer to deal with during the busy season, but Holidaysafe aim to keep you updated throughout the process.

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Holidaysafe : Travel Insurance reviews

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Our Holidaysafe Travel Insurance reviews can help you to find out what life as a Holidaysafe customer is really like. And if you have experience of using this product, why not write your review on Smart Money People today?

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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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7 Best Cheap Travel Insurance Companies in June 2024

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

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

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

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

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

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

Russia Insurance Profile

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

Best Travel Insurances for Russia

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

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

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

Is Travel Insurance Mandatory in Russia?

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

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

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

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Russian women stage rare protest demanding return of their loved ones fighting in Ukraine

А group of Russian women have staged a small but rare protest outside the defence ministry in Moscow to demand the return of mobilised soldiers from the front in Ukraine.

For months, different groups of Russian women have organised sporadic demonstrations to exert pressure on authorities to return their husbands, sons and brothers who were mobilised after a decree by president Vladimir Putin in September 2022.

One of the women at yesterday’s protest, who gave her name as Paulina, said that the group of 18 women had gathered to appeal personally to Andrei Belousov, the newly appointed defence minister.

Paulina, who said she was 20 years old and had a husband fighting in Ukraine, said the women want Mr Belousov to impose strict limits on how long soldiers can serve before they must rotate out of active duty.

The protests are sensitive for the authorities, given that the Kremlin presents what it calls the “special military operation” in Ukraine as having the overwhelming support of the Russian people.

In February, dozens of reporters, including a video journalist, were briefly detained while covering a demonstration by a group called Way Home.

Paulina said her group was not affiliated to Way Home, which Moscow last week designated a “foreign agent”, a term which carries connotations of spying.

She said none of the 18 women were arrested and ministry officials failed to speak to them.

Pictures and videos published on the Telegram app showed women holding signs with slogans including “Please bring Papa home”. Several had brought along their school-aged children and toddlers in pushchairs.

The protest showcases the anger and despair that has gripped some soldiers’ families as the war in Ukraine grinds on into its third year, with no end in sight.

Putin mobilised 300,000 reservists in September 2022 in an unpopular move that he claims will not be repeated because hundreds of thousands more have signed up voluntarily as contract soldiers.

Putin has vowed that Russian troops – who are currently advancing on some front lines – will not stop until they meet the goals of the “special military operation”.

Broaden your horizons with award-winning British journalism. Try The Telegraph free for 3 months with unlimited access to our award-winning website, exclusive app, money-saving offers and more.

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Russia Travel Insurance

Embarking on a journey to Russia requires more than just packing essentials; it entails thoughtful consideration of the unforeseen challenges that might arise. That’s where the importance of travel insurance for Russia comes to the forefront. This guide is your gateway to understanding the intricacies of securing the right insurance, covering everything from the mandatory insurance for the Russian visa application to comprehensive medical coverage within the vast expanse of the Russian Federation.

Whether you’re planning a cultural expedition, a business trip, or an adventure in Russia, having the appropriate travel insurance is not just advisable; it’s a prerequisite for a worry-free and well-prepared exploration. Join us as we navigate the landscape of travel insurance, shedding light on why it matters, what it should cover, and how you can tailor it to your specific needs when traveling to Russia.

Why Russia Travel Insurance?

Coverage Types

• Medical Coverage: Essential for unexpected health issues.
• Trip Cancellation: Protects against unforeseen events disrupting travel plans.
• Baggage Loss/Delay: Safeguards belongings during transit.

Exclusions and Limitations: Understanding the limitations and exclusions of a policy is crucial to ensure comprehensive coverage.

Why Travel Insurance Matters in Russia

• Unique Travel Challenges: Russia’s vastness and diverse activities present unique challenges that necessitate robust insurance coverage.
• Legal and Healthcare Considerations:  Navigating Russia’s legal requirements and healthcare system underscores the importance of having reliable travel insurance.

Reasons To Buy Russia Travel Insurance From Any Country

Russia travel insurance is essential for anyone planning a visit to this vast and diverse country. Whether you’re travelling for leisure, business, or exploring the rich cultural heritage of the Russian Federation, having the right insurance coverage is crucial.

When obtaining a Russian visa, it’s a mandatory requirement to provide proof of medical insurance for the duration of your stay. This medical insurance for Russia, often referred to as travel medical insurance, ensures that you are financially protected in case of unexpected medical expenses during your trip.

Here are some key reasons to consider purchasing Russia travel insurance:

Mandatory for Russian Visa: To obtain a Russian visa, you will need to provide evidence of medical insurance coverage. This requirement is in place to ensure that visitors have access to adequate healthcare services while in the country.

Healthcare Expenses Coverage: In the event of a medical emergency or illness during your stay, having travel medical insurance ensures that your medical expenses will be covered, including hospitalization, doctor’s fees, and medication costs.

Compliance with Regulations: Having the appropriate insurance policy for Russia ensures that you comply with the regulations of the Russian Federation. Failure to provide the necessary documentation, including valid medical insurance, could result in difficulties during your travel.

Protection for the Unexpected: Travel insurance not only covers medical emergencies but also protects against unexpected events such as trip cancellations, lost baggage, or flight delays. This helps you minimize financial losses in unforeseen circumstances.

Peace of Mind: Knowing that you have comprehensive insurance coverage for the duration of your stay in Russia provides peace of mind. You can enjoy your trip with the confidence that you are protected against unforeseen events that may disrupt your plans.

Covers Various Aspects: A good Russia travel insurance policy should cover a range of aspects, including medical emergencies, trip cancellations, baggage loss, and more. This comprehensive coverage ensures that you are prepared for various situations that may arise during your travels.

Ease of Obtaining Treatment: With the right insurance, you can access quality healthcare facilities in Russia without worrying about the financial implications. This is especially important in a foreign country where navigating healthcare systems may be challenging.

Legal Requirements: Besides being a visa requirement, having the appropriate travel insurance is also a legal requirement in Russia. It is advisable to familiarize yourself with the specific insurance regulations of the Russian Federation to ensure compliance.

Russian Medical Insurance Requirements: Visa and Entry Information

When planning a trip to Russia, it is imperative to be aware of the visa and entry requirements, particularly the mandatory medical insurance. The Russian Federation stipulates that all visitors must have valid medical insurance coverage for the duration of their stay, and this requirement is closely tied to the visa application process.

Here’s a comprehensive guide to understanding the significance of medical insurance for Russia:

Russian Visa Application: To apply for a Russian visa, individuals must provide evidence of medical insurance coverage. This insurance, often referred to as travel medical insurance or Russian travel insurance, is a key component of the visa application process.

Mandatory Requirement: The medical insurance requirement is not just a formality; it is a mandatory provision enforced by the Russian government. This is in place to ensure that visitors have access to necessary medical services during their stay in the country.

Coverage for the Unexpected: Medical insurance for Russia goes beyond visa compliance; it serves as a safety net for unforeseen circumstances. In the event of a medical emergency, the insurance policy covers expenses such as hospitalization, doctor’s fees, and prescription medications.

Comprehensive Insurance Policies: When selecting a policy, ensure it provides comprehensive coverage, including not only medical emergencies but also other aspects like trip cancellations, lost baggage, or travel delays. This ensures holistic protection against various potential disruptions.

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Legal Compliance with the Russian Federation: Adhering to the medical insurance requirement is not just a matter of convenience but a legal obligation. Failure to provide proof of the necessary insurance may result in complications during the visa application process or upon entry into Russia.

Ensuring Health and Safety: Having valid medical insurance enhances the safety and well-being of travellers. It guarantees access to quality healthcare services in Russia, contributing to a smooth and secure travel experience.

Understanding the Insurance Policy: Before obtaining insurance, it’s crucial to understand the terms and conditions of the policy. Familiarize yourself with the coverage limits, inclusions, and exclusions to ensure that the insurance meets the specific requirements of the Russian Federation.

Peace of Mind for Travelers: Travelers can embark on their journey with confidence, knowing that they are adequately covered in case of any health-related contingencies. This peace of mind enhances the overall travel experience.

In summary, obtaining medical insurance in Russia is not just a visa prerequisite; it is a fundamental aspect of responsible travel planning. It ensures compliance with the regulations of the Russian Federation, provides financial protection in emergencies, and contributes to an overall safer and more enjoyable travel experience. Travelers are advised to carefully choose a suitable insurance policy that aligns with their needs and the specific requirements of their trip to Russia.

best places to visit in russia

Moscow  is the capital and largest city of Russia and is set on the Moskva River in Central Russia.

Moscow’s importance to Russia goes well beyond its political significance. It is a city of more than 12 million people and is well known for its artistic endeavors, including ballet, symphonies, and art. Onion-shaped domes of historic churches fill the skyline, while the impressive Red Square, is one of the largest squares in the world. Other sights that shouldn’t be missed are the statues of Lenin and Stalin, controversial leaders in the 20th century. Further evidence that Moscow’s past wasn’t always squeaky clean can be seen in the Gulag and Cold War museums.

Vladivostok

Vladivostok is the largest city and the administrative center of Primorsky Krai, Russia, located around the Golden Horn Bay.

The m ountains and bays surround ing Vladivostok, make it a stunningly beautiful city. Vladivostok is the last stop on the Trans-Siberian Railway and the country’s largest port on the Pacific Ocean. The city offers many cultural attractions from theaters to museums to concerts. Visitors usually want to take walks through some of the city’s lovely parks, including Minny Gorodok, which was once a military base. The city’s main square is Admiralsky Skver, with a museum devoted to a submarine nearby.

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Best travel credit cards of June 2024

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Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!” and her mission is to inspire others along the journey.

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

• Best starter travel card:  Chase Sapphire Preferred® Card
• Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
• Best for luxury travel:  The Platinum Card® from American Express
• Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
• Best for foodies:  American Express® Gold Card
• Best for everyday spending: Citi Strata Premier℠ Card
• Best for intro APR:  Bank of America® Travel Rewards credit card
• Best for point values:  Chase Sapphire Reserve®
• Best for practical perks:  Capital One Venture X Rewards Credit Card
• Best for pairing:  Chase Freedom Unlimited®
• Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
• Best no-annual-fee hotel card:  Hilton Honors American Express Card
• Best luxury hotel card:  Marriott Bonvoy Brilliant® American Express® Card
• Best for transfer partners:  Bilt Mastercard®
• Best for gas:  Wells Fargo Autograph℠ Card
• Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
• Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
• Best for expedited security screening:  Bank of America® Premium Rewards® credit card
• Best for first-year value:  Discover it® Miles
• Best for fair credit:  Credit One Bank Wander® Card
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Best starter travel card

Chase Sapphire Preferred® Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

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℠.

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

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.

Regular APR

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

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

• You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
• The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
• Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
• The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
• 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℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best for flat-rate rewards

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 5 Miles

• 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

• Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
• Zero foreign transaction fees make this an excellent choice for international travelers.
• You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
• The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

• 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
• 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

• Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
• A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
• The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
• Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best for no annual fee

Capital One VentureOne Rewards Credit Card

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day

1.25 Miles - 5 Miles

• 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

• The welcome offer is generous for a no-annual-fee travel credit card.
• Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
• Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
• Capital One has no major U.S. carrier in its line-up of travel partners.
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

• 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
• 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

• This card features one of the best rewards return rates available on dining, groceries and food deliveries.
• There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
• Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
• Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best for everyday spending

Citi Strata Premier℠ Card

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases

• 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

• It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
• Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
• The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
• Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Best for intro APR

Bank of America® Travel Rewards credit card

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

• Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
• No annual fees or foreign transaction fees sweeten this offer.
• It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
• The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Chase Sapphire Reserve®

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℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

• 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
• 5x Earn 5x total points on flights through Chase Travel℠.
• 3x Earn 3x points on other travel and dining.
• 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

• You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
• Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
• The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
• You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
• 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℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• 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
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Capital One Venture X Rewards Credit Card

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day

2 Miles - 10 Miles

• 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
• 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

• Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
• Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
• To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
• Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases

• 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex℠ .

• You can pool rewards with other Chase cards to maximize your earnings.
• The additional rewards rate offer can add even more cash back to your pocket for the first year.
• The welcome offer isn’t as competitive as other cards’ offers.
• Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Wells Fargo Autograph Journey℠ Card

• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants Earn 1X points on other purchases

• 5X Earn unlimited 5X points on hotels
• 4X Earn unlimited 4X points on airlines
• 3X Earn unlimited 3X points on other travel and restaurants
• 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

• You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
• The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
• Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
• The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 annual fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Hilton Honors American Express Card

• Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

• 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

• Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
• Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
• A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
• You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.

Best luxury hotel card

Marriott Bonvoy Brilliant® American Express® Card

• Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® 3X points at restaurants worldwide and on flights booked directly with airlines 2X points on all other eligible purchases

• 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
• 3X 3X points at restaurants worldwide and on flights booked directly with airlines
• 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

• Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
• It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
• Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
• Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

Best for transfer partners

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining 2x points on travel 1x points on other purchases Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

• 3X Points 3x points on dining
• 2X Points 2x points on travel
• 1X Points 1x points on other purchases
• 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

• It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
• Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
• You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
• There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
• $0 Annual Fee.
• Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
• 2x points on travel.
• 3x points on dining.
• 1x points on other purchases.
• Earn points when you make 5 transactions that post each statement period.
• When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Wells Fargo Autograph℠ Card

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases

• 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

• While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
• Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
• Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
• The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Delta SkyMiles® Platinum American Express Card

• Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

• 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

• Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
• Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
• Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
• No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
• Enjoy your first checked bag free on Delta flights.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 Annual Fee.

Best for savers

Bank of America® Premium Rewards® credit card

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

• 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
• 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

• The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
• You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
• Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
• This card does not offer a few popular premium travel perks like lounge access.
• Low $95 annual fee.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Best for first-year value

Discover it® Miles

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

• 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

• All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
• Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
• You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
• The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Best for fair credit

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site Earn 5x points on eligible travel, dining, and gas Earn 1x points on all other purchases

• 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• 5X Earn 5x points on eligible travel, dining, and gas
• 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

• It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
• Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
• Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
• Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

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.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

• Co-branded cards
• General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion and Delta Sky lounge access but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

• Airline rewards values
• Hotel rewards values
• Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here are some of the key factors that we considered:

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

• Groceries: $5,700
• Dining out: $3,600
• Entertainment: $2,400
• Gas: $3,100
• Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on Feb. 21, 2024

Discover International acceptance . Discover. Accessed on Feb. 21, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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No credit hits. Enjoy a safe and seamless experience that won’t affect your credit score.

But don’t worry! You can check out other cards that are a better fit.