Anything can happen while you’re on vacation, so it’s important to be prepared before your bags are even packed. Check out these common travel insurance scenarios to see if you could benefit from travel insurance on your next trip.

Planning the perfect vacation is a task that takes months, and many people sink thousands of dollars into a trip. A sudden emergency, bad weather or lost luggage can turn a dream vacation into a nightmare. Travel insurance offers peace of mind when planning a vacation. It may cover cancellations, flight delays, property damage, lost luggage, health emergencies and much more.

Top 10 Best Rated Travel Insurance

TripInsurance.com has exclusive policies from some of the largest and most reputable travel insurance companies at direct-to-consumer rates. By eliminating the middleman, they offer better value & pass substantial savings to you.
Allianz is one of the oldest insurance companies in the United States, having insured the Wright Brothers' first flight as well as various movie stars' vehicles. Today, it partners with airlines, hotels and other travel services.
Travel Insured has focused exclusively on providing insurance for travelers since 1994, when it was acquired from the Travelers Insurance Group. It currently works with over 1,500 travel agencies to provide services for travelers.
Charles Schwab has been in the brokerage industry since 1973. The company offers extensive financial and investing services, including online trading for those with a modest level of knowledge and experienced traders.
Trip Mate specializes in travel insurance for both casual and frequent travelers and was the first company to waive exclusions for pre-existing conditions. Its insurance policies are underwritten by major insurers like Nationwide.
Travel Guard has been providing travel insurance services for over 25 years and distributes its services to over 12,000 companies. It offers international insurance options to both business and casual travelers.
American Express Travel Insurance is underwritten by AMEX. This company offers customizable travel insurance with options such as medical insurance, trip delay insurance and lost baggage insurance.
Travelex offers travel insurance services throughout North America. It offers bankruptcy and terrorism coverage as well as trip cancellation, lost baggage and other standard travel insurance coverage to protect vacationers.
TravelSafe Insurance provides coverage for trips around the world for consumers in Canada and the United States. It has been an industry leader since 1971 and offers several unique travel insurance packages.
HTH offers travel health insurance to cover users in the event they get ill while traveling. It provides users with access to doctors and hospitals throughout the world while traveling as well as access to a mobile application.

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

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What features matter most?

Protection from Cancellation, Delay or Interruption

Sometimes, situations beyond your control impact your travel plans. Weather, family tragedies, illness, work and other issues can cause you to cancel, postpone or interrupt your trip.

  • Weather or worker delays: Some travel insurance policies offer reimbursement for trips interrupted by worker strikes or the weather.
  • Sickness, injury or death: An illness, injury or death of your or a loved one might require a trip cancellation, but with the right coverage it won't cost the policyholder financially.
  • Work-related interruptions: If work interferes with your ability to travel, you can cancel and get your money back with the right coverage. The same is true if you become unemployed, making a trip an unwise expenditure.

Medical and dental coverage

Many health insurance policies will not pay for services incurred outside of their coverage network. This can leave travelers facing huge medical bills in the event of an issue during a trip. Travel insurance can make up the difference.

  • Emergency transportation and care: If you suffer from a medical emergency during a trip, your travel insurance may cover medical and ambulance (and even evacuation by plane) expenses.
  • Dental coverage: A dental emergency may not be immediately life threatening, but it can certainly ruin a vacation. Be sure that your dental coverage protects you where you’re visiting, or consider including it in your travel insurance plan.
  • Pre-existing condition coverage: A pre-existing condition can act up at any time, but many travel insurance policies will not cover them. Ask about pre-existing conditions since premium policies may include this type of coverage.

Transportation coverage

Anything that interrupts a trip could leave you struggling to meet back up with your travel group. A missed flight connection could leave you holding the bag on an extra airline ticket. Travel insurance picks up the bill for transportation services needed to keep you on schedule.

  • Cancelled flight coverage: If your flight is canceled and it causes you to miss a connection, travel insurance can pay for a hotel stay and a new flight as soon as it's available.
  • Easy logistics: When you miss a flight, it can throw your entire itinerary out of whack, but your travel insurance company should be able to do the work to put you back on track.
  • Interruption coverage: If something happens at home, and you need to cut your trip short, travel insurance can help cover the cost of return fare and reimburse the unused portion of your trip.

Customer service

The best coverage in the world doesn't mean much if you can't use it. Poor customer service can leave you on the phone for hours or trying to contact your insurer in vain. Good customer service makes all the difference.

  • 24/7 helpline: When you need to make a claim, you need to make it now, not tomorrow or after you get home.
  • Available online assistance. : Phone service may not always be available, but there may be Internet access. So, it's important to be able to reach your insurance company using different avenues.
  • Extra services: A good travel insurance company will offer additional services like concierge, currency exchange and travel assistance.

Property loss or damage

Lost, delayed or damaged luggage can start any trip on the wrong foot. It can also cost an arm and a leg to buy an emergency wardrobe for a vacation.

  • Clothing allowance: If your luggage is lost, be sure to ask your insurer about a clothing allowance to help you get through your vacation and replace your missing items.
  • Property replacement: It’s not uncommon for people to travel with valuable items; like jewelry or personal care products. Be sure to discuss them with your insurance company before traveling to ensure they're covered for replacement.
  • Luggage delays: If your luggage is permanently lost, your travel insurance would probably replace it, but if it's only delayed, you might need to deal with some interim needs. Insurance could pay for an outfit or two and for toiletries, just to hold you over until your luggage can be delivered.

Extensions on demand

Typically, travel insurance covers a specific trip, which is arranged in advance. If you decide to extend your vacation, you might lose your travel insurance. With that in mind, consider the following:

  • Ask about policy extensions: It’s always a good idea to know ahead of time whether you can also extend your travel insurance coverage if you decide on the fly to extend your trip.
  • Long-term and short-term policies: Many travel insurance policies only cover a short time-frame, sometimes only a week or two. If you plan to travel more extensively, be sure to ask about long-term options.
  • Limited coverage on extensions: Some travel insurance may allow for limited extensions with little to no extra cost. They may not include all premium services, however, so it's important to find out what is and is not covered on an extension.

What are different types of travel insurance?

One-time only

These plans are for a single trip and offer no extensions. Any additional coverage must be negotiated separately.

Annual plan

For the frequent traveler, an annual insurance policy goes into effect for every trip taken during the year. There may be some limitations on coverage.

Long-term plan

For those planning to travel for a year or more, long-term plans are the best option.

Group plans

Like many products, buying several policies at once may offer a group discount. Typically, these are sold to groups of 10 or more.

Domestic or international

Some policies only cover domestic travel, so for the world traveler, it's important to make sure insurance coverage crosses international boundaries.

Who's it for?

Party animals

These travelers go on trips to have a good time and typically visit top destination spots. They often travel seasonally and may plan several trips each year.

Workaholics

Travel for work may entail dozens of trips each year. These trips might be for only a few days at a time, but these travelers need to maintain a professional appearance.

Adventurers

Those who like the adrenaline rush often choose destinations known for their extreme sports and conditions. Medical care is much more important to this group.

Family trippers

Often vacationing only once or twice a year, these travelers tend to go as larger groups and need coverage that includes baggage loss or delays.

Company reviews

  • Allianz Global Assistance

    Allianz Global Assistance has a long history in the industry. They were the insurer on the Wright brothers' flight and on the construction of the Golden Gate Bridge.

    • Instant online quoting: Plan a trip and get travel insurance, all in just a few minutes.
    • Annual coverage available: Frequent travelers often find annual coverage more affordable.
    • Tiered-coverage options: Get as much or as little coverage as you need with four different product tiers on single-trip service.
    • See state options: Individual states have different regulations regarding travel insurance, so see what is available in your state, within moments.
    • Kids ride free: Children under 17 are automatically included in the price with the Classic Plan or Classic Plan Trip+ tiers.
    • Best for Party animals, workaholics, adventurers and family trippers.
  • Tripinsurance.com

    Trip Insurance is an online company that helps consumers compare, choose and buy travel insurance, trip cancellation insurance and coverage for devices lost or damaged during travel. Policy options are categorized as good, better or best values, allowing for fast comparison of policy features. Travelers can also find exclusive direct-to-consumer rates, buy insurance directly through the Trip Insurance website and take advantage of customer support 24 hours a day.

    • Easy comparisons: Travel insurance options are organized by features and value, making it simple to select the right coverage for individuals and families.
    • Discounted rates: By allowing consumers to buy direct, travelers can save 40 percent or more on travel insurance.
    • Customer support: Trip Insurance provides great telephone customer support 24 hours a day, seven days a week.
    • Online assistance: This company provides online notifications of developments that may affect an upcoming trip, as well as a fast system for filing claims online.
    • Multiple options: Trip Insurance offers flight, vacation, cruise and trip cancellation, as well as camera, iPad and laptop insurance.
    • Best for New travelers, adventurers, families and leisure travelers.
  • Trip Mate Insurance

    As the first company to waive the pre-existing condition exclusion, Trip Mate Insurance demonstrates its commitment to making every vacation as perfect as possible.

    • Best for Party animals, adventurers and family trippers.
  • Travel Guard

    Serving millions of travelers each year, Travel Guard is one of the leading providers of travel insurance.

    • Best for Party animals, workaholics, adventurers and family trippers.
  • Travelex Insurance Services

    Travelex is a leading travel insurance provider, with more than 650 locations worldwide. Each year, more than 1.3 billion travelers pass through one of their gateways.

    • Best for Leisure travelers, adventurers and family trippers.
  • TravelSafe Insurance

    Founded in 1971, TravelSafe offers comprehensive insurance packages to travelers from the United States and Canada.

    • Best for Party animals, adventurers and family trippers.
  • HTH Travel Insurance

    Providing A-rated coverage, HTH Travel Insurance offers a wide variety of health insurance products for the world traveler.

    • Best for Adventurers.
  • MH Ross

    Founded in 1961, MH Ross now works with one of the industry's largest travel insurance administrators.

    • Best for Party animals, adventurers and family trippers.
  • CSA Travel Protection

    With more than 20 years of experience providing travel and vacation protection products, CSA Travel Protection has developed a reputation for affordable and comprehensive insurance plans.

    • Best for Party animals, workaholics, adventurers and family trippers.
  • Travel Insured

    Founded in 1994, and formerly a part of the Travelers Insurance Group, Travel Insured works with more than 1,500 travel agencies to offer quality travel insurance products.

    • Best for Party animals, workaholics, adventurers and family trippers.
  • American Express Travel Insurance

    As a Fortune 500 company, American Express offers a wide range of financial and insurance services.

    • Best for At this time, American Express is not enrolling any new travelers.

Travel Insurance Scenarios

Am I covered if...

Click one of these common scenarios to see how you can benefit from travel insurance on your next trip.

Am I covered if

I get sick and can't travel?

Was travel insurance worth it?

Am I covered if

I get laid off or fired?

Was travel insurance worth it?

Am I covered if

I have a medical emergency?

Was travel insurance worth it?

Am I covered if

My luggage is delayed or lost?

Was travel insurance worth it?

Am I covered if

I wreck my rental car?

Was travel insurance worth it?

Am I covered if

My flight is cancelled and I'm stuck?

Was travel insurance worth it?

Am I covered if

I miss my connection flight?

Was travel insurance worth it?

Am I covered if

I don't want to go on my trip anymore?

Was travel insurance worth it?

Am I covered if

I get sick and can't travel?

Travel expenses could include

Avg. Cost

Covered

1

Round-trip flight

$1,186

2

Hotel Deposit

$248

3

Non-refundable ski lift tickets

$400

Premium

4

Non-refundable snowboard gear

$250

how much you'll lose if you get sick and can't travel:

Without Insurance

$2,084

With Insurance

$250

Am I covered if

I get get laid off or fired?

Travel expenses could include

Avg. Cost

Covered

1

Flight cancellation fees

$485

2

Unrefundable train fares

$367

3

Missed guided fishing tour

$399

4

Travel planning books & maps

$125

how much you'll lose if you get laid off or fired:

Without Insurance

$1,376

With Insurance

$125

Am I covered if

I have a medical emergency?

Travel expenses could include

Avg. Cost

Covered

1

Transportation to hospital

$1,874

2

New flight home

$868

3

Long distance calls from hospital

$187

4

Lost souvenirs

$179

how much you'll lose if you have a medical emergency:

Without Insurance

$3,108

With Insurance

$179

Am I covered if

My luggage is delayed or lost?

Travel expenses could include

Avg. Cost

Covered

1

New toothbrush and toothpaste

$12

2

New pair of pants, shirt, socks, underwear

$87

3

Missed sightseeing tour

$89

how much you'll lose if your luggage is lost or delayed:

Without Insurance

$188

With Insurance

$89

Am I covered if

I wreck my rental car?

Travel expenses could include

Avg. Cost

Covered

1

Missed flight

$543

2

Cost of car repairs

$5,867

Premium

3

Damaged personal items

$238

how much you'll lose if you wreck your rental car:

Without Insurance

$6,640

With Insurance

$238

Am I covered if

My flight is cancelled and I'm stuck?

Travel expenses could include

Avg. Cost

Covered

1

Flight change fees

$190

2

Last minute hotel booking

$378

3

Taxi ride from airport to hotel

$89

4

Cost of meals while delayed

$189

5

Movie tickets to entertain kids

$40

how much you'll lose if your flight is cancelled:

Without Insurance

$866

With Insurance

$40

Am I covered if

I miss my connection flight?

Travel expenses could include

Avg. Cost

Covered

1

New flight

$471

2

Snacks at the airport

$23

3

Airport wifi

$29

how much you'll lose if you miss your connecting flight:

Without Insurance

$523

With Insurance

$52

Am I covered if

I don't want to go on my trip anymore?

Travel expenses could include

Avg. Cost

Covered

1

Round-trip flight

$1,186

Premium

2

Hotel deposit

$248

Premium

3

Scuba diving tour

$650

Premium

3

New iPad Mini for the flight

$499

how much you'll lose if you cancel your trip:

Without Insurance

$2,772

With Insurance

$499

11 – 12 Best Rated Travel Insurance

MH Ross is affiliated with Trip Mate. It has been providing customized insurance plans for travelers since 1961 and employs specialists in the travel and technological industries in order to provide comprehensive coverage.
CSA is owned by Europ Assistance, an emergency assistance company that began providing services to travelers in 1963. It offers global access to medical care providers as well as help with identity theft for travelers.