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June 1, 2020

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How to File a Claim for Trip Cancellation

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Making a claim on your travel insurance

This advice applies to England. See advice for See advice for Northern Ireland , See advice for Scotland , See advice for Wales

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

Read this page to find out more about what you need to do if you have to make a claim on your travel insurance policy.

Remember to take your travel insurance policy number and emergency contact telephone number with you when you travel

if a problem happens while you're away, keep receipts for everything you need to buy to support your claim

if possible, get your insurer to agree to medical treatment before it's carried out

always tell your insurer about an existing health problem before you take out insurance, or you may not be covered

report lost or stolen belongings to the local police within 24 hours of them going missing. If this isn't possible tell the person in charge where they went missing.

Making a claim while you're travelling

Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you're travelling abroad, check you've got the right phone number.

Making a claim when you get home

If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim:

you're within the time limits for making a claim

you're covered for what you're claiming for

how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this

the small print . Make sure there's nothing in the terms and conditions that prevents you from claiming

whether it's a new for old policy. If it isn't, the amount you get for items you're claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear.

Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself.

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused.

Your insurer may ask if you have other insurance that may cover the claim. You'll need to let them know if you have other insurance that may also offer cover, for example, home contents insurance.

Making a claim for lost, stolen or damaged items or luggage

You're expected to take reasonable care of your belongings while you're travelling. The insurer will want to see evidence that you did this.

If your belongings are lost or stolen, you should tell the local police within 24 hours of the items going missing. If this isn't possible, tell someone else such as your tour rep, hotel manager or transport provider and get a written report.

If you have to replace essential items, such as toiletries or emergency clothing, ask for receipts to send as evidence with your claim.

Making a claim for medical emergencies and personal injury

If you need medical treatment while you're away, try to contact your insurer straightaway and get them to agree to the treatment. You should do this before it's carried out, although this may not be possible in an emergency.

You may have to pay up-front for medical treatment and claim it back when you get home. Always make sure you get receipts for any treatment or medication you're given.

If you did not tell your travel insurer about an existing health problem before you took out the insurance, you may not be covered if you need treatment  for this while you're away.

You may not be able to claim for the cost of any medication that you usually need and may have to take while you're travelling.

If you're a UK resident and have a European Health Insurance Card (EHIC), you can still use it to get healthcare in EU countries until it expires.

If you don't have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free.

If you’re visiting Norway you can use your UK passport to get medically necessary healthcare there. Some countries have agreements with the UK to give free emergency treatment.

Travel insurance should cover you for pregnancy if you are in normal health. However, some airlines won't let you fly if your baby is due within a few weeks.

Making a claim if you have to cancel or shorten your trip

If you need to make a claim because you've cancelled or shortened your trip, your insurer will only accept your claim if you have a good reason for doing this. Reasons may include:

unexpected death, illness or injury of you, your partner or people travelling with you

a fire, burglary or unexpected damage happens to your home

you're made redundant

you're pregnant and are advised not travel after you took out the insurance

you're called for jury service or as a witness in court.

If you have to come home early, your insurer will usually only refund any extra travelling costs and the cost of any unused time in your holiday accommodation.

If you need more help

Other useful information

Medical treatment in other countries www.nhs.uk .

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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Access your policy documents, make a claim or submit a refund request for your policy.

If you have purchased your policy on or after 13 th July 2022, and need to access your policy documents, please check your email in the first instance, or secondly contact our Customer Services Department .

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

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

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

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

When will my documents arrive through the post?

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

What do I need to take on holiday with me?

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

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

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Contact information

Emergency contact overseas.

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

Non-emergency claims

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

Other enquiries

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

A Practical Guide to Buying Travel Insurance

Travel insurance could be the difference between a huge medical bill or a modest copay. use these tips to find the best policy for your trip..

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It’s far better to buy travel insurance and never use it than to not be covered in an emergency.

Courtesy of Shutterstock

For many, travel insurance seems like an unnecessary additional expense. But if you get stuck in a costly situation—a medical emergency, a canceled trip due to a pandemic , a stolen camera—it suddenly becomes a totally worthwhile investment that saves, not costs, you money.

This was the case for writer Chris Ciolli. After years of traveling without a safety net, she invested in travel insurance on a recent trip during which she was rushed to the hospital at 3 a.m. for a slew of just-in-case tests. She ended up with an underwhelming diagnosis of gastritis, but also a slow trickle of medical bills—a few hundred dollars here, a thousand there—that totaled nearly $6,000. Fortunately, her monthlong $185 World Nomads policy covered everything after an initial $80 copay.

But even if you understand the benefits and you’re committed to buying travel insurance, choosing the right policy for your needs—and even knowing what those needs are—can be tricky. To help you choose the best travel insurance for your trip, we’ve consulted a number of travel agents, insurance industry professionals, and lifelong travelers for advice. In this guide, you’ll find everything you need to know, from travel insurance reviews and comparisons to common questions answered, to pick the best policy for your next trip.

What is travel insurance?

Travel insurance is a plan, similar to health or auto insurance, that protects you from expenses incurred during unforeseen mishaps while traveling, such as lost luggage, trip cancellations, or medical emergencies.

Although your current homeowner’s, renter’s, auto, or health insurance may cover you for certain things while traveling, it usually doesn’t cover everything—especially on international trips. A good travel insurance plan will cover the gaps.

Where do you get travel insurance?

Some very basic forms of travel insurance are included if you booked your trip with a credit card such as World MasterCard, Capital One Venture Rewards, and Chase Ink and Sapphire cards. With these plans, you may be protected regarding some delay, luggage, and travel accident expenses, but the coverage is usually pretty basic.

You can also purchase it as an add-on while booking flights, cruises, or hotels. These plans are also limited and will only cover you in the event of an unavoidable cancellation due to events such as a natural disaster or a death in your family. “While it may seem less expensive, it may not cover all of the components of your trip,” says Andrew David Harris, vice president and COO of Harris Travel Service . While both of these are better than nothing, the most comprehensive and best travel insurance policies are sold by providers such as World Nomads, Allianz Global Assistance, Seven Corners, or TravelEx. You can purchase these plans through your travel agent, but it’s often less expensive to book directly with the travel insurance provider or through a comparison website, like SquareMouth .

What does travel insurance cover?

Every traveler and trip is different, which is reflected by the variety of travel insurance plans on the market. No matter what plan or provider you choose, below are some common things travel insurance covers. Experts agree that before you buy, you should absolutely look for specific exclusions in the fine print on potential policies. If you’re unsure about something, reach out. A good insurance company will be responsive and willing to clarify your questions.

Trip cancellation and interruption

Most travel insurance policies will include some form of trip cancellation and interruption coverage to reimburse you for nonrefundable expenses, like a prepaid hotel or plane ticket. Unless you add cancel for any reason (CFAR) insurance to your plan, there will be a limited set of acceptable reasons to claim this. Illness, death of an immediate family member, and weather are commonly accepted reasons.

Trip delays and missed connections

Also common is reimbursement for additional expenses incurred if a trip is delayed and meets criteria set out by the provider. With World Nomads, your flight must be delayed by at least six hours to qualify.

Baggage and personal effects

Most plans will cover the cost of lost or damaged luggage and personal belongings as well as the cost of purchasing additional items if your luggage is delayed.

Emergency medical and dental care

This covers the cost of medical care when you get sick or have an accident in another country and usually includes medical evacuation. However, travel insurance isn’t a substitute for regular health insurance so nonemergency medical expenses (physicals, anything cosmetic, eye exams) aren’t covered. Childbirth isn’t covered either, even for pregnant travelers who go into labor prematurely.

Shannon O’Donnell, 2013 National Geographic Traveler of the Year and blogger at A Little Adrift , mentions another coverage gap travelers miss: “You’re only covered for what you’re licensed to do back home—if you don’t have a permit for a motorbike and you drive one in Southeast Asia, you might not be covered in an accident.”

Emergency medical evacuation

This covers the cost of an emergency transfer (in an ambulance or helicopter, for example) from an area with inadequate medical care to the nearest medical center with the services you need. It’s costlier but essential in isolated and politically unstable parts of the world.

Accidental death and dismemberment and repatriation

Experts say that “truckloads of coverage for hospital costs and medical repatriation home” are the most important things to look for. “The rest is just window dressing.” A lot of basic plans won’t include this in their coverage, but you can easily add this on with an upgrade to a more premium tier.

Concierge and 24/7 service

Daniel Durazo, director of Marketing and Communications for Allianz Global Assistance , says that “a good policy includes a 24/7 contact line for both medical and travel emergencies.”

Common travel insurance add-ons to consider

A basic plan is usually enough for most travelers, but it may not cover everything you need if you’re older, have pre-existing medical conditions, participate in sports while traveling, book an expensive trip, or travel with expensive gear (such as a high-end camera). If you fall into any of these categories, consider an add-on or upgrade.

Upgrade lost luggage, trip delay, and cancellation amounts

“Standard travel insurance levels cover more modest belongings and lodging,” advises Annette Stellhorn, president and Group Luxury Travel designer at Accent on Travel . If you’re traveling with expensive gear or spending a lot on your trip, consider upgrading to a tier that covers your costs adequately.

Additional coverage for adventure and high-risk travel

Stellhorn also notes that adventure and high-risk travel “require higher benefit amounts for medical evacuation, which can run more than $250,000.” And Judy Perl at Judy Perl Worldwide Travel says that “most insurance companies will not insure high-risk travel at all, with the exception of big companies like First Allied and Travelex .” Even fewer risky activities and sports may only be covered to a limit: that is, climbing to certain heights and diving to certain depths.

Most sports are covered up to a certain level of intensity; any higher and you may have to purchase a different tier of insurance. World Nomads, for example, will cover a slew of adventure travel activities and sports, but at an additional cost on top of its basic insurance.

Cancel for any reason (CFAR) insurance

It’s important to read the fine print of any insurance plan because, even if it includes trip cancellation coverage, this often only kicks in under certain circumstances. As many travelers found out recently, trips canceled due to the recent coronavirus pandemic were not covered unless they had a CFAR add-on .

Jennifer Wilson-Buttigieg, co-owner and copresident at Valerie Wilson Travel , explains that these plans “only cover 75 percent of trip expenses [and only] if travelers cancel their trips at least 48 hours in advance.”

Does travel insurance cover pandemics?

No. “Once actual events have unfolded, such as the coronavirus outbreak, they are considered known or foreseeable events and are no longer covered by most travel insurance policies,” says Afar’s Michelle Baran . The exception is if you chose to upgrade your plan to include a CFAR add-on.

What are the best travel insurance policies?

The best travel insurance policy will depend on you and your trip. You’ll want to make sure you have a plan that covers the cost of your entire trip and the activities you want to do and won’t leave you in the dark if you have preexisting conditions. The following are some of the best travel insurance partners to consider:

Best for: Older travelers and those with preexisting conditions.

While Allianz provides great travel insurance for any traveler, it’s especially appropriate for those with pre-existing conditions, since those are covered in every one of its plans. However, its basic coverage only covers up to $500 in lost or damaged baggage, so consider an upgrade if you’re traveling with more expensive equipment.

Get a quote: allianztravelinsurance.com

Best for: Medical coverage only

GeoBlue’s Voyager basic medical coverage is not a comprehensive travel insurance plan that covers a slew of scenarios; rather it provides travelers with basic medical travel insurance. The deductible is a high $500, but at $19 to $35 per trip, it’s an inexpensive way to protect yourself in case something catastrophic happens. If you’re adequately covered for travel mishaps like lost luggage or stolen goods by other insurance (like your credit card or homeowner’s insurance), this might be the plan for you.

Get a quote: geobluetravelinsurance.com

Best for: Traveling with kids

With TravelEx, travelers can choose between a basic or select travel insurance package with options to customize it according to their needs. Both plans cover standard things like trip cancellation and emergency medical services and are an all-around comprehensive option. However, its Travel Select plan also includes free coverage for any children under 17 traveling with you. For families, TravelEx Select is a great money-saving option.

Get a quote: travelexinsurance.com

How much does travel insurance cost?

Complete travel insurance packages can cost as little as $8 per day but vary depending on the length of the trip, destination(s), and the tier of travel insurance you choose. Some, but not all, travel insurance may also cost more for travelers with pre-existing conditions or older adults.

As a comparison, here are some examples of travel insurance costs for a 45-year-old traveler on a $5,000, one-week trip to Mexico:

• $138 for an explorer plan with World Nomads
• $179 for a basic plan with Allianz
• $248 for an essential plan with AIG
• $261 for a basic plan with Travelex

While some of these plans may seem expensive, keep in mind that if they provide you the coverage you need, they can be a huge money saver. Insurer World Nomads says that its average claim amount for 2017 was $1,634, and its most expensive claim—a medical evacuation of a child from Sitka, Alaska, to Seattle—was nearly $200,000. Suddenly, that $8 per day makes travel insurance worth it . But, as Michael Holtz, founder and CEO of the travel agency SmartFlyer , says, “People don’t think they need it until they need it.”

How do I buy travel insurance?

You should always buy travel insurance from an official, reputable provider or website, such as purchasing directly through the insurance provider, a travel agent, or a comparison website; these “offer a way to search, compare, and purchase from a wide array of plans,” says Stan Sandberg, cofounder of TravelInsurance.com .

Comparison sites to buy travel insurance include:

• Travelinsurance.com
• SquareMouth
• Insuremytrip

Sandberg strongly recommends consumers speak with a licensed agent when they are unsure about benefits. The website Elliott Report is another good resource and features a list of reputable travel insurance companies compiled by consumer advocate Christopher Elliott.

When to buy travel insurance

Generally, you should book your travel insurance as soon as you can after booking your flights and hotels. If you’re traveling to a destination affected by hurricanes , book sooner rather than later, because you can’t buy insurance to cover delays or cancellations related to a storm that already has a name.

People with preexisting conditions need to consider other factors. Most insurers will cover only expenses related to prior illnesses in very specific circumstances; travelers with preexisting conditions must book coverage within a specific time frame, usually between 14 and 21 days, following their initial trip reservation, and they must be medically able to travel on the date they purchase the insurance.

Your travel insurance policy period should be for the duration of your trip from door to door (no gaps or shortcuts, please) and cover you for every place you plan to visit, whether it’s in-state, out-of-state, or international. Some destinations are at higher risk than others, so insurers don’t offer the same coverage for the same price everywhere.

What does your existing insurance cover while traveling?

While your existing health, auto, renter’s, or homeowner’s insurance may cover a few things while you’re traveling, it likely doesn’t cover everything.

• Health insurance: Many U.S. health-care policies, including Medicare, don’t cover travelers on international trips. Some plans will cover you abroad, so check with your provider. If your health insurance only covers you domestically, both the Centers for Disease Control and the U.S. State Department recommend purchasing medical travel insurance.
• Travel insurance: Credit cards can provide limited coverage of some delay, luggage, and travel accident expenses, as well as part of your rental car insurance.
• Homeowner’s and renter’s insurance: Home contents or rental insurance may cover some lost, stolen, or damaged valuables or even offer a reasonably priced floater policy (an add-on to your regular policy that covers easily moveable property) if you travel with expensive equipment.
• Auto insurance: Within the United States, your primary auto insurance will almost always cover rental vehicles. There are a few exceptions for domestic rentals, like if your current auto insurance has low coverage limits. International car rentals are a different story. In Mexico, for example, rental car insurance is mandatory , even if you have insurance at home. Always be sure to check local rules before you reserve a rental car.

Tips for filing claims and getting reimbursed

Unlike most domestic health insurance policies, travel insurance doesn’t typically have a deductible. Some inexpensive policies will require you to pay a small, nonrefundable, initial policy excess amount before further costs up to the benefit limit are covered. Many policies work on a reimbursement plan: You pay upfront, save your receipts, and file a claim, then after processing, your insurance company pays you back for covered expenses.

Most policies require you pay non-emergency expenses out of pocket and submit your claim for reimbursement afterward. In a non-life-threatening emergency, call your insurer for instruction if you’re able; it will make the claims process easier, and the insurer may be able to direct you to a hospital or medical center where your care can be billed directly to it.

Hannah Logan, of the blog Eat Sleep Breathe Travel , says this step is especially important because the small print on many policies “reads that calling the contact number [may be] a requirement for coverage.”

No matter what, document everything. Whether it’s lost baggage, a medical expense, or damage to your rental car, gather and keep anything that can help your claims case: your original rental car agreement, receipts, photos, medical paperwork, a copy of your boarding pass.

Buying travel insurance is a little like packing a suitcase: It can seem overwhelming at first, but eventually it becomes routine and a necessary part of every trip. Once it does, you can travel worry-free, secure in the knowledge that you’ve saved yourself from a possible $6,000 mistake.

This article originally appeared online in 2018; it was updated on June 19, 2020, and on May 15, 2024, to include current information.

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

• Introduction to InsureMyTrip

Features of InsureMyTrip Platform

• Purchasing and Managing Your Policy
• How to File a Claim
• Customer Service Experience and Usability
• Why You Should Trust Us

InsureMyTrip Travel Insurance Review 2024

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

Founded in 2000, InsureMyTrip is the first major travel insurance comparison site to hit the market. The company has served over 4 million customers and works with some of the best travel insurance companies to help travelers find the right coverage. Here's a closer look at what you need to know before using its comparison tools.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connects customers to a range of the most popular travel insurance providers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Site prioritizes travel insurance providers by customer reviews
• con icon Two crossed lines that form an 'X'. Site does not facilitate claims filing
• con icon Two crossed lines that form an 'X'. InsureMyTrip customer service is limited
• con icon Two crossed lines that form an 'X'. Company does not provide its own travel insurance packages

Introduction to InsureMyTrip 

InsureMyTrip is a travel insurance broker, which means it doesn't offer its own travel insurance. Instead, InsureMyTrip lets you compare policies from 25 of the industry's best travel insurance companies to select the best coverage for your needs. You can also buy, manage, and cancel your insurance policy through InsureMyTrip.

InsureMyTrip also has a customer service team called Anytime Advocates, which can help you file or facilitate a claim. Having an extra set of eyes on your claim may help you receive a response faster than if you were to take on your travel insurance claims office on your own.

Even if you prefer to purchase an insurance policy directly from your provider, InsureMyTrip is worth a visit solely for their customer reviews. You can read reviews by specific plan and whether a claim was filed. This is a great feature in a travel insurance marketplace, getting honest insight into how well a company works.

When you InsureMyTrip, you'll be able to see all the plans that apply to your travel details and personal information. You can opt to only see the following policy types: 

• Comprehensive
• International Medical
• Medical Evacuation
• Embassy Visa
• Accidental Death

Once you obtain your list of quotes, you can opt to see limits and terms for specific coverages, such as trip cancellation, emergency medical, evacuation, and pre-existing condition coverage . You can also receive quotes on annual travel insurance policies, if you intend to go on more than one trip this year.

Here are some more terms that InsureMyTrip offers with its quotes.

Best Plans Guarantee

First, InsureMyTrip's Best Plans Guarantee ensures that only plans with multiple positive ratings and reviews are shown to its consumers. The company provides a forum to allow past customers to share their experiences with specific providers. The insurance providers get a grace period to collect enough reviews. After the grace period expires, the site's offerings are filtered based on the feedback received, with the highest-rated plans receiving the highest ratings.

In short, you're free to choose your travel insurance, but InsureMyTrip's site prioritizes the companies consistently performing well, making it easier to find travel insurance companies you'll love.

Price Guarantee

All travel insurance is regulated state by state. So as InsureMyTrip points out on its website, offering discounts on these products is illegal. With that in mind, the company promises to show you the lowest prices while remaining legally compliant, meaning you won't find a (legal) lower price anywhere else.

Money Back Guarantee

You can cancel your InsureMyTrip travel insurance plan during your review period and get your money back if you're unhappy. However, there are a few caveats to this one. First, the company clearly states that each cancellation and refund policy differs by the provider, and you'll likely be subject to those terms. In addition, some providers may charge an administrative fee, which is typically not eligible for a refund.

InsureMyTrip Travel Insurance Cost

The cost of travel insurance can vary widely depending on several factors, including the trip destination, trip duration, trip cost, the age of the travelers, the provider, the plan chosen, and any additional coverage options selected.

The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to compare the average cost of travel insurance for your plans is by comparing quotes online.

Purchasing and Managing a Policy With InsureMyTrip

You can get a quote from InsureMyTrip's website by inputting the following information:

• Destination
• Travel Dates
• Citizenship and Residence
• Number of travelers and their ages
• Trip details (taking a flight, cruise, renting a vacation home)

Once you're taken to the quotes page, you can compare policies and sort your search by price, popularity, and rating. 

How to File a Claim with InsureMyTrip

You'll need to work directly with your insurance provider if you have to file a claim. However, InsureMyTrip makes it easy to access the correct contact information and claims forms.

You can find your provider's information by navigating to the "File a Claim" page on InsureMyTrip.com . Then, select your insurance provider and policy from the drop-down menu. Typically, InsureMyTrip will provide each insurer's phone number, emergency contact line, and mailing address. When available, it also lists email addresses and URLs for claims forms.

If you encounter any issues with your provider's claims process, you can email InsureMyTrip's Anytime Advocates at [email protected].

InsureMyTrip Customer Service Experience and Usability

InsureMyTrip received an average rating of 4.3 stars out of five from Google Maps reviews of its headquarters in Rhode Island. Most of the negative reviews of InsureMyTrip talk about a claims issue with their providers, which InsureMyTrip doesn't directly control.

InsureMyTrip regularly responds to negative reviews, offering phone numbers and emails that customers can call for help with their policies. 

How InsureMyTrip Compares

Insuremytrip vs. squaremouth.

Squaremouth is one of the leading travel insurance aggregators, listing policies from 32 companies compared to InsureMyTrip's 25 companies. Squaremouth also lists options online for group travel insurance policies, which InsureMyTrip only quotes for when you call their customer service line.

Both InsureMyTrip and Squaremouth allow you to purchase, manage, and cancel a policy on their platforms. You'll have to file claims directly with your insurer, but both companies offer ways to facilitate customer claims. InsureMyTrip has an Anytime Advocates team, which can help customers with filing claims or facilitate an existing claim. Squaremouth has a Zero Complaint Guarantee, which promises that they'll act as a mediator if a customer feels that a claim was denied unfairly. 

InsureMyTrip vs. VisitorsCoverage

InsureMyTrip's offerings are more comprehensive than VisitorsCoverage's, which offers policies from 15 travel insurance companies.

VisitorsCoverage does a better job summarizing policy terms, offering eligibility details like max trip length and age limits, which InsureMyTrip lacks. It also offers more search filters, allowing travelers to select search options for students studying abroad, business travelers, and U.S. green card holders. That said, VisitorsCoverage does not field customer reviews.

Read our VisistorsCoverage review here.

InsureMyTrip FAQs

Yes, InsureMyTrip offers travel protection insurance from 25 travel insurance companies, with search customizations like medical-only, Schengen Visa insurance, and AD&D insurance.

InsureMyTrip is very user-friendly, streamlining the insurance purchasing process and allowing travelers to compare all plans available for their trip. 

While InsureMyTrip offers some search refinements, they do not offer a filter for adventure sports.

Yes, customer reviews often highlight InsureMyTrip's customer service as helpful and efficient in addressing questions and assisting with policy selection. Negative customer reviews often receive responses from InsureMyTrip's team, which will try to resolve lingering issues.

InsurInsureMyTripMyTrip offers the advantage of comparing multiple insurance plans from different providers in one place, simplifying the process of finding the best coverage for specific travel needs.

Why You Should Trust Us: How We Reviewed InsureMyTrip

When reviewing InsureMyTrip, we looked at its insurance partners and ran comparisons against other broker sites within the industry. We looked at the providers listed on its website, the assurances it offers, and customer reviews.

You can read more about how we rate travel insurance products here .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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