Top Travel Insurance: What You Need To Know [2025]
Travelers can choose among multiple types of travel insurance, from baggage insurance to cruise insurance, to ensure their trip is protected. You can buy travel insurance from many popular home and auto insurance companies, including Allstate, Travelers, and Nationwide, so compare rates to get the best price.
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Table of Contents
Table of Contents
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Updated March 2024
- There are multiple different places to buy travel insurance, such as credit card companies or your home and auto insurer
- Make sure to read the fine print to see what your travel insurance plan includes and excludes
- Shopping around will help you find the best travel insurance rates for your budget and coverage needs
If you have a big trip planned, insurance for traveling can help protect you on the road, whether it’s flight insurance or travel medical insurance. However, with so many different options available, it can be overwhelming to know which coverages to pick when comparing travel insurance.
If you aren’t sure where to start looking for the best travel insurance, we got you covered. Continue reading to learn all about trip insurance, from where to get travel insurance to the different types of travel insurance available.
Best Travel Insurance Companies
Several well-known insurance companies offer travel insurance, and in most cases, you can get it from the same company that provides you with your home or auto insurance. Some examples of travel insurance providers include the following companies.
- Allstate Travel Insurance
- Allianz Travel Insurance
- Berkshire Hathaway Travel Insurance
- Progressive Travel Insurance
- Travelers Travel Insurance
- Nationwide Travel Insurance
Make sure you read travel insurance reviews to find out which travel insurance is best. Generally, when checking for the best travel insurance companies, you want to check customer satisfaction and the financial stability of the company.
If you are already a customer of a company that you are happy with that offers travel insurance, you may just want to purchase it from that company so all your policies are in one place. You may also be able to get travel insurance through your credit card company, so make sure to see if that is a perk they offer.
- Travel Insurance Coverage
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Travel Insurance Types
There is more than one type of travel insurance available, each of which offers different benefits for travelers. Some of the main types of travel insurance and add-ons are as follows:
- Baggage loss and personal effects coverage: Coverage that will reimburse if your baggage is lost, stolen, or damaged on your trip.
- Cancel for any reason insurance: An add-on coverage that will offer a partial refund if you cancel for a reason not listed on your travel insurance policy. This can be useful if your policy doesn’t cover COVID-19.
- Cruise insurance: Helps cover a number of situations dealing with cruises, such as helping with expenses if you miss the cruise and need to travel to the next port to catch the cruise.
- International travel insurance: Protects you when you travel internationally, and there are trip mishaps or emergencies.
- Trip cancellation insurance: Reimburses you if you have to cancel your trip so you don’t lose money on a trip you aren’t going on.
- Travel medical insurance: Helps cover the cost of medical care when you are traveling outside of your resident country that won’t be covered completely or at all by your normal types of health insurance plans.
What does travel insurance cover? you can choose from a few different options when buying a travel insurance plan, whether you need travel health insurance or international travel insurance, so you can build a plan that meets your specific needs and budget.
Choosing a Travel Insurance Plan
Not sure what travel plan is right for you? When shopping for a travel insurance plan, make sure to consider what you absolutely need and what you can do away with, just as you would when shopping around for the best auto insurance or the best home insurance.
You may just want medical travel insurance, for example, if you aren’t worried about the cost of the trip not being refunded. However, you will still have medical coverage to protect you if an accident happens while on a trip.
Once you have an idea of what travel coverage you need, get plenty of quotes from different insurance companies. This will help you find the best rate on travel insurance, and once you find the company and coverage you need, you can purchase your travel insurance policy.
When purchasing the travel insurance plan, the insurance company will request basic information about you. The company will also want to know when and where you are traveling so it can assess risk and rates. Once you have applied and been approved, all that’s left is to pay, and you are covered for your next trip.
The Final Word on Top Travel Insurance
Travel insurance can be a great way to protect yourself from financial losses on the road. There are many different types of insurance to choose from, such as lost baggage insurance or medical travel insurance. This way, you can build a travel insurance plan that suits your needs and your budget.
If you want to compare rates for a travel insurance plan, use our free quote comparison tool. It will help you sort through companies in your area to find the best travel insurance rates and coverage.
Frequently Asked Questions
What is travel insurance?
Travel insurance is a type of policy designed to protect individuals against financial losses and provide assistance during a trip. It typically includes coverage for trip cancellations or interruptions, medical expenses, emergency medical evacuation, lost luggage, and other travel-related incidents.
How much does travel insurance usually cost?
The cost of travel insurance depends on various factors, such as your age, trip duration, destination, coverage limits, and the type of policy you choose. On average, travel insurance can range from 4% to 10% of the total trip cost. It’s recommended to compare quotes from different providers to find a policy that suits your needs and budget.
Why is travel insurance important?
Travel insurance is important because it provides financial protection and peace of mind when unexpected situations occur during your trip.
What does travel insurance typically cover?
The coverage provided by travel insurance can vary depending on the policy and provider. However, typical coverage may include trip cancellation/interruption, emergency medical expenses, emergency medical evacuation, baggage loss/delay, travel delays, and accidental death or dismemberment. Some policies may also offer additional benefits like rental car coverage or coverage for adventure sports.
Does travel insurance really help?
Whether you need travel insurance depends on what is already protected through your credit card and the travel agency. For example, if your trip is refundable and you have health coverage where you’re going, you may not need to buy travel insurance.
Can I buy travel insurance for any trip?
You can purchase travel insurance for various types of trips, including domestic and international travel, business trips, family vacations, or solo adventures. It’s generally advisable to purchase travel insurance as soon as you’ve made your initial trip deposit to maximize your coverage.
Which insurance is best for travel?
The best type of travel insurance for your trip will depend on the coverage you need and the company you shop with. It can help to compare travel insurance quotes from multiple companies to find the best policy for you.
What does “cancel for any reason” travel insurance mean?
This type of travel insurance allows policyholders to cancel a trip for any reason, even one that is not listed as a covered reason in the policy.
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