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Travel Insurance Finder

Compare travel insurance policies to protect your next trip.

Compare travel insurance policies

Compare all your options for travel insurance before your next trip.

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
Travelex Travel Basic
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
Travelex Flight Insure
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
RoamRight Essential Travel Insurance Plan
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
Travel Guard Silver
Budget-friendly coverage with basic travel protections that include trip cancellation and trip interruption.

Compare up to 4 providers

Our travel insurance experts have spent hundreds of hours analyzing travel protection, digging in to the fine print and policy language to unravel what you’re covered for in plain words. We lay out the types of policies and features each company offers, complete with our expert take on its standout features, benefits and drawbacks.

How to compare travel insurance

When you’re shopping for coverage, take on these tips to make sure you have enough protection:

  • Get your coverage early. Take out coverage as soon as you’ve paid for any part of your trip and decided your final trip dates. Certain coverage require that you’ve held the policy for a minimum amount of time, generally between seven to 14 days. This affects coverages such as CFAR and financial default.
  • Evaluate how much coverage you already have. Does your homeowners insurance offer coverage for your belongings? Does your credit card provide some travel insurance? Take into account how much coverage you already have to determine how much more you may need.
  • Don’t skimp on overseas medical. If you’re heading overseas, make sure the policy offers a high level of medical coverage.
  • Consider the full cost of your trip. Consider having enough coverage for your transportation costs, luggage, accommodations and other costs.
  • Watch for exclusions. Make sure you have coverage for all the countries you’re visiting and any pre-existing conditions, and that you’ve considered the travel risks at your destination. Also consider the age of the travelers, since people over the age of 65 might face extra restrictions or exclusions.
  • Check cruise coverage. While cruise coverage can be expensive, it could be worth it. Evacuation at sea can be expensive.
  • Read your policy details. Every policy is different. Even if you’ve bought travel insurance before, there may be slight variations in coverage or exclusions.

Some of the top travel insurance companies we compare

TravelexAtlasAXASTA Travel
Travel GuardRoamRightSeven CornersAllianz Travel

How much does travel insurance cost?

The average cost of travel insurance is around $200. The price of your policy comes down to a range of factors, including:

  • The cst of your trip. This is the biggest factor in the cost of your policy. You’d likely want more coverage for an expensive trip overseas to cover the high price of a ticket and several days of sightseeing. But you can cut costs in the right ways; for example, if you’re traveling light, opt for a policy with a lower luggage benefit, and if you’re older and have health issues, you may need a policy with higher medical benefits.
  • Your age. Age is the other major factor when it comes to the cost of travel insurance. The older you are, the more risk you pose to an insurer, resulting in increased premiums.
  • Destinations. Your destination will impact the cost of your coverage depending on its perceived risk to the insurer.
  • How long you’ll be gone. The longer you’re away, the more risk you pose to an insurer.
  • Number of travelers. The number of travelers increases the cost of your premium. Some insurers offer discounts for insuring multiple travelers on one policy. Always check with your insurer before buying a policy.

What are the different types of travel insurance policies?

Broadly speaking, there are two types of travel insurance: Single trip and annual policies.

  • Single trip coverage. This policy type covers you for one continuous journey, which can include multiple destinations. Coverage ends once you return home.
  • Annual or multi trip coverage. Annual policies provide you with protection for multiple trips throughout a 12-month period.
  • International. If you’re heading abroad for your next vacation, compare international insurance policies. Be sure the policy covers the region you’re traveling to.
  • Domestic. Domestic travel insurance provides you with coverage for traveling around the US. However, most policies require that you travel at least 100 miles away from home.
  • Comprehensive. Comprehensive plans cover trip cancellation or delay, baggage delay and loss and trip interruption, as well as medical and medical evacuation. Insurers generally offer basic, mid-range and high-end plans.
  • Cruise. Some comprehensive policies cover cruises as standard. Other insurers require you either get a cruise-specific insurance policy or add a cruise option to your existing policy.
  • Medical. Medical only is great for people who only want to pay for the cost of emergency medical expenses.
  • Cancel for any reason (CFAR). CFAR is generally an add on for a comprehensive policy. By paying an additional premium, CFAR lets you cancel your trip at any time and for any reason. Benefits generally range from 50% to 75% of your lost prepaid travel expenses.

What does travel insurance cover?

Many travel insurance policies coverage these situations and events:

  • Trip cancellation. If you’re forced to cancel your trip, trip cancellation reimburses your lost, prepaid, non-refundable expenses. Most insurers have a list of approved reasons for cancellations.
  • Trip interruption. If you find yourself in a situation where you need to cut your trip short and return home, if your reason is covered by your insurance you’ll be reimbursed for the unused, non-refundable part of your trip and the additional or increased transportation expenses.
  • Travel delay. This provides reimbursement for additional accommodation and travel expenses because of a delay of six hours or more.
  • Cancelation for any reason. Most insurance providers offer CFAR for an additional feature. This coverage lets you cancel your trip for any reason before your trip begins. If you’re worried about civil unrest, changed your mind or if you become sick, coverage provides a reimbursement of around 50% to 75% of your non-refundable, pre-paid travel costs.
  • Missed connection. If you miss a scheduled cruise or flight, missed connection coverage reimburses any resulting expenses.
  • Lost luggage. Provides a benefit for lost, damaged or or stolen luggage and other personal effects.
  • Baggage delay. Coverage reimburses when you buy essential items if your luggage is delayed for 24 hours or more.
  • Medical. Coverage for necessary emergency medical expenses incurred during your trip.
  • Dental. Depending on your policy, this will cover emergency dental work.
  • Pre-existing conditions. Some insurers will offer medical coverage if you have a pre-existing condition, as long as you haven’t shown symptoms.
  • Evacuation. If you’re in need of emergency medical transportation due to an illness or injury, you’re covered for transportation to the nearest hospital or appropriate facility.
  • Accidental death. Accidental death coverage provides a benefit for your named beneficiary if you suffer an injury or accidental death during a trip.
  • 24 hour assistance. Make sure your policy offers 24 hour worldwide assistance. This way, no matter what the situation there’ll always be someone there to lend a helping hand.

      Travel insurance vs airline insurance

      While airline policies are cheap, they don’t provide much in the way of coverage. They can also be more expensive than going directly to the insurer. Compare the difference in coverage when buying from an airline rather than by going direct, even from the same underwriter:

      CoverageAirline insuranceStandalone
      Trip cancellation / interruptionUp to trip cost (max $10,000)$1,000
      Trip interruptionNone$1,500
      Emergency medical transportation$50,000$500,000
      Emergency medical / dental$10,000$25,000
      Baggage coverage$500$1,000
      Baggage delay$100$300
      Travel delay$150$800
      Missed connectionNone$800
      Change fee coverage$150$250
      24 hour hotlineIncludedIncluded
      Existing medical conditions coverageAvailableMay be included with restrictions
      Frequent traveler loyalty planNone$250

      What’s not covered by travel insurance?

      Every travel insurance policy has exclusions, which are situations when the insurer won’t provide coverage. These are the most common exclusions:

      • Claims for intentional bodily harm, including suicide
      • Losses due to adverse weather conditions, if you cancel your trip
      • Losses incurred while you were participating in an unlawful act
      • Losses that are the result of your participation in an extreme sport
      • Claims for travel losses where the purpose of the trip was to receive medical treatment abroad
      • Claims for situations where you didn’t do everything within your power to reduce or mitigate your losses
      • Losses related to war, military actions, civil disorder and riots
      • Claims relating to mental, psychological or nervous disorders
      • Claims relating to existing medical conditions, though some offer waivers, so check with your provider
      • Losses sustained while you were under the influence of drugs or alcohol
      • Losses due to venereal disease, AIDS, pregnancy or abortion
      • Claims for nuclear radiation or radioactive contamination

      Travel insurance glossary

      You may come across these terms when you’re researching travel insurance:

      • Actual cash value. This is the amount you paid for an item, less depreciation.
      • Baggage. This includes your luggage and it’s contents.
      • Dependent. Your spouse or unmarried children under the age required by your insurer.
      • Departure date. This is the date listed on your insurance certificate of when you’re scheduled to leave on your trip.
      • Effective date. This is the time and date your coverage starts.
      • Return date. This is the date listed on your insurance certificate when you’re scheduled to return to your final destination.
      • Severe weather conditions. This describes weather conditions such as hailstorms, blizzards or ice storms.
      • Premium. The financial cost of buying travel insurance.
      • Pre-existing condition. Any condition either you or your traveling companion were aware of or got treatment for before you bought coverage.
      • Unlawful acts. Any crimes committed by you or your traveling companion while you were away.

      Bottom line

      Buying travel insurance is an essential part of trip planning. Travel can be unpredictable, and the right policy can cover you in case you run into any unexpected events while you’re away from home. There are a variety of policies to choose from, so compare travel insurance companies to get the coverage you need at the best possible price.

      Common questions about travel insurance

      Read more on this topic

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      6 Responses

        Default Gravatar
        MarshaAugust 29, 2017

        My husband and I have a reservation for a train trip. Do you offer coverage?

          Avatarfinder Customer Care
          HaroldSeptember 4, 2017Staff

          Hi Marsha,

          Thank you for your inquiry.

          If your trip is domestic, you need to check with the insurer the minimum distance required for your domestic travel insurance to apply.

          I hope this information has helped.


        Default Gravatar
        MicheleJuly 12, 2017

        I need travel insurance (medical) for an unaccompanied minor who will be in Ireland for 8 days. Is this available?

          Default Gravatar
          AshJuly 20, 2017

          Hi Michele,

          Thank you for reaching out to us.

          Is it for your son/ daughter? If yes, you may check our list of student travel insurance for the policies that can cover your son/daughter if he/she is still under 21 years of age and engaged in full-time study. Alternatively, you may get sample quotations from the insurers just to clarify to the insurers if they can accommodate the needs of your minor son/ daughter.

          Furthermore, there are two types of travel insurance that you may choose from, the first one is the Single trip which covers one continuous journey even if you’ll have multiple destinations and will end once you are back home. Another one is the Annual-multi trip which offers coverage for multiple trips within the next 12 months. You may look into each policy that we have listed above and click on the ‘Go to site’ button if you wish to get to the insurer’s website.

          Remember to read the coverage of the policy that you wish to apply to know which will best suit the needs of the traveler.

          I hope this information helps.

          Let us know if there is anything else that we may assist you with.


        Default Gravatar
        ChristineApril 6, 2017

        I’m only interested in emergency medical and medical evacuation insurance. Are there separate policies just for this?
        Thank you.

          Avatarfinder Customer Care
          HaroldAugust 3, 2017Staff

          Hi Christine,

          Thank you for your inquiry.

          Each brand has its own limits and most travel policies include emergency medical and evacuation. There are medical travel insurance plans you can compare that cover your medical expenses if you get sick overseas.

          Please review the Terms and Conditions to make sure you have sufficient cover before you travel.

          I hope this information has helped.


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