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If you’re planning a road trip, it’s likely you’re covered through car insurance add-ons, health or home insurance. But a few situations may warrant separate protection customized specifically for road trips.
Most people don’t need road trip insurance because regular car insurance covers a majority of car travel needs. Other policies like health or home insurance cover medical costs or damaged belongings caused by accidents.
If anything, you might look for extra coverage on your car insurance policy that boosts on-the-road protection. If needed, a separate road trip policy can supplement other policies you own, especially if you keep minimal insurance or are driving outside the US.
Consider your options for expensive trips, long journeys or any other situations that calls for boosted protection:
Travel insurance tailored for road trips specifically will typically include coverage for:
Many travel insurance companies let you cover trips as long as 30 or 60 days, and some give you the option to choose the length of your trip. Annual plans can cover multiple road trips throughout the year.
Going for a long road trip or renting an RV for the family? Compare travel insurance policies that offer the most benefits to protect your trip.
A separate road trip policy could cost as little as $50 for the year, significantly less than other travel insurance policies. A standard travel policy might cost 5% to 10% of a single trip’s cost or several hundred dollars for an annual plan.
Extra car insurance coverage can add just a few dollars monthly for rental reimbursement or go as high as $50 or $100 a month for an extensive roadside assistance plan.
Stay aware of the downsides to buying a separate road trip policy:
Protecting yourself on a road trip comes down to how often you take road trips, how long they are and any special situations that call for extra coverage. Exclusions on insurance policies can play a role too, which can limit travel policy coverage to trips over 100 miles from home.
If you’re looking to do road trips often, you might compare travel insurance companies that offer the coverage you need.
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