Which travel insurance recommendations

Plan available for business travelers. Search comprehensive plan types by policy name, insurance needs and traveler type. Medical and evacuation plans for international travel. One annual plan with two levels of coverage to choose from. Comprehensive and medical-only plans. Flight plans include coverage for missed and canceled flights and lost or stolen baggage. Comprehensive international travel insurance plans. Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Coverage for cameras, laptops and phones. Three comprehensive plans offer cancellation, emergency medical coverage and emergency travel assistance. Two of the plans offer compensation for missed connections and higher thresholds for lost baggage. Coverage can be customized with add-ons like adventure sports coverage, car rental collision and more.

Two flight insurance plans available. Comprehensive plans for U. Annual, medical-only and student plans are available. Special medical insurance for ship captains and crew members, international students and missionaries. Three comprehensive plans available. Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance? Examine what coverage you already have: Does your credit card offer travel insurance?

Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip.

Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more. There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else.

Selecting the best plan depends on what coverage you would like and your trip details. For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan. Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

What affects travel insurance cost. Different types of travel insurance. How to get travel insurance. Buy the best travel insurance for you. Show More. What travel insurance covers. If you want:. Travel medical plan. Baggage and personal belongings. Help finding a lawyer abroad. Payment for rental car damage. Car rental collision insurance. Back to top. Travel medical insurance.

International travel insurance. Your own illness. Natural disasters. Emergency medical assistance, evacuation and repatriation. Accidental death and dismemberment insurance. Nerdy tip: This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness.

Rental car coverage. Credit cards. Travel agents and travel reservation sites. Superior pricing for the benefits included. Preferred Plan TripProtector. Top-notch coverage limits for medical expenses and evacuation. Preferred Plan Gold. Top-notch medical evacuation benefits. Travel delay benefits kick in after only a 3-hour delay. Excellent hurricane and weather coverage. Includes coverage for sports equipment loss. Pricey among the plans we analyzed but you buy superior benefits.

Baggage delay benefits require a hour delay. Preferred Plan Prime. Superior medical evacuation coverage limit. Good price for the level of benefits included. Medical coverage is lower than most other top plans but might be sufficient for your needs.

Baggage delay coverage requires a hour delay. Preferred Plan RoundTrip Choice. Superior medical expenses and medical evacuation coverage limits. State Department that you should leave the country due to civil, military or political unrest. With its consistently high benefits, this plan has no downsides among the categories we scored.

Excellent medical and evacuation coverage limits. Competitively priced. No rental car coverage option. Preferred Plan Classic. Very good hurricane and weather coverage. Low average price. Travel delay and baggage delay coverage both require a hour delay. Preferred Plan Diamond. Superior coverage levels for medical expenses and evacuation.

Includes some rental car coverage. Pricing is on the high side compared to other top plans. Preferred Plan Travel Guard Deluxe. Includes travel inconvenience benefits for a wide range of issues such as closed attractions, cruise diversions, hotel infestation and much more. Includes concierge services to help with restaurant reservations, tee times, floral services and more. The plan has a relatively high average price but is packed with extras.

Preferred Plan Travel SE. Will cover extra kennel fees if your return trip is delayed and your pet needs to stay longer at a commercial kennel.

Financial default of a travel supplier is covered only after a day wait, as opposed to 10 or 14 days from top competitors. Look for these top coverage options in a comprehensive plan. Travel medical insurance This is important coverage for travelers going abroad, where your U. Trip interruption insurance If you have to cut your trip short because of a reason listed in the policy, this is valuable coverage to have. Baggage and personal effects coverage Losing your bags can really ruin a trip.

Note that plans have different levels of benefits, which can account for price differences. Here are some reasons you may need travel insurance: You stand to lose a lot of money in non-refundable deposits if you cancel the trip. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities.

Performance information may have changed since the time of publication. Past performance is not indicative of future results. Limited on behalf of Which? In this article. How do you find the best travel insurance? What are the best travel insurance policies? Which policies offer the best coronavirus Covid cover? What our Covid ratings show and don't show What Covid cover is available?

Will travel insurance cover changes to the government's traffic light system? How else can you protect your holiday? How we find the best travel insurance policies Get top money-saving tips from Which? Search widely. Find out more: travel insurance for pre-existing medical conditions. Arrange your cover quickly. Check what protection your holiday provider offers. How we analyse travel insurance. Top 20 21 to 53 54 to 87 88 to to Complete cover Superior cover Low cover Basic cover.

Brand Policy names Covid rating What's this? Make your money go further. Find the best deals, avoid scams and protect your savings and investments. Join Which? More on Travel Insurance. Travel insurance reviews. Best travel insurance for over 65s. How to find cheap travel insurance. How to claim on your travel insurance. All on Travel Insurance.

Latest insurance news. The seven things that scare insurers — and what you can do to get affordable cover. Related guides in Which? Best travel credit cards. Regularly go on holiday or shop on foreign websites?

You could benefit from a specialist travel credit card that offers fee-free spending and great exchange rates on In Banking. Best debit cards to use abroad. In this guide we outline the fees and charges you face when using your debit card for purchases and withdrawals overseas. Travel prepaid credit cards. Prepaid travel cards explained Prepaid travel money cards reviewed. All 2 guides.