December 10, 2023

Planning to journey in 2023? You’re not alone. In line with the usTravel Affiliation, a commerce group, journey has bounced again after the pandemic. People are forecast to spend $1.09 trillion on home and worldwide journey in 2023. That is up from $722 billion in 2020 and near the $1.17 trillion spent earlier than the pandemic in 2019.

Journey has additionally turn into costlier than ever, because of elevated demand and worth inflation. So if you’re planning an enormous journey, you owe it to your self to contemplate the monetary safety of journey insurance coverage. 

Evaluate the perfect journey insurance coverage corporations 2023

Inside 15 days of buy if journey has not began

100% of insured journey value

Inside 10 days of buy if journey has not began

100% of insured journey value

Inside 10 days of buy if journey has not began. Different restrictions might apply.

$15,000, plus $500 dental

100% of insured journey value

Inside 15 days of buy if journey has not began

Inside 15 days of buy if journey has not began

100% of insured journey value

$75,000, plus $500 dental

Inside 10 days of buy if journey has not began

100% of insured journey value

Inside 14 days of buy if journey has not began

Our suggestions for the perfect journey insurance coverage firm for November 2023

Greatest for journey fans: Travelex

Travelex Journey Insurance coverage

Max medical protection


Max journey cancel protection


Inside 15 days of buy if journey has not began.

The Travelex “Primary” plan supplies $15,000 of medical and $10,000 of journey cancellation protection. These protection quantities are decrease than these provided by different corporations in our overview. Nonetheless, increased limits can be found by deciding on the corporate’s “Choose” plan.  

Amongst its improve choices, Travelex provides journey sports activities protection for these whose itinerary contains such adrenaline-rush actions as zip lining, skydiving, or mountaineering. This protection may be added to any Travelex plan. 

It’s additionally value noting that Travelex is without doubt one of the highest-rated journey insurance coverage suppliers on Trustpilot, having earned 4.3 out of 5 stars (as of Aug. 2, 2023). One latest reviewer famous, “I’ve at all times been skeptical of journey insurance coverage and all the guarantees of simple declare processes, however I used to be blown away with how responsive, easy, and logical the Travelex was. I decline all journey insurance coverage for any journey reserving I do now and solely use Travelex. Cheaper, extra environment friendly, much less purple tape. What’s to not love?” 

Greatest normal protection bundle: Generali World Help

Generali World Help

Max medical protection


Max journey cancel protection

100% of journey value

Full refund inside 10 days, so long as you have not left in your journey or filed a declare.

Generali World Help is a European firm with insurance coverage companies specializing in journey and identification safety. Its “Commonplace” plan for journey insurance coverage supplies $50,000 of medical expense protection and journey cancellation protection for 100% of the insured worth.  

The plan additionally contains journey delay, baggage injury, baggage delay, and missed connection protection. Choices comparable to rental automotive collision injury and improve plans assist you to journey with much more protection. 

Generali has 3.5 out of 5 stars with Trustpilot (accessed Aug. 2, 2023).

Greatest for “cancel for any purpose” protection: AXA Journey Insurance coverage

AXA Journey Insurance coverage

Max medical protection


Max journey cancel protection

100% of insured journey value

Inside 10 days of buy if journey has not began. Different restrictions might apply.

Many American shoppers might not instantly acknowledge AXA Journey Insurance coverage, however the firm is a multinational monetary companies large headquartered in France.  Its “Silver” plan—AXA’s entry-level journey insurance coverage providing—contains protection for $25,000 of emergency medical bills and 100% of the insured journey value if the journey is canceled. Extra coverages embody journey delay, missed connection, medical evacuation, and baggage protection. 

The corporate’s “Platinum” plan supplies “cancel for any purpose” journey cancellation protection. This implies you possibly can cancel your journey for any purpose—private, skilled, medical, household, or different—and count on to obtain reimbursement. This contrasts with normal journey cancellation protection, during which the cancellation should be for one of many particular causes acknowledged within the coverage contract. The “Platinum” plan additionally contains increased quantities of emergency medical bills and different coverages.  

AXA has 3.2 out of 5 stars in its Trustpilot ranking (accessed Aug. 2, 2023). 

Greatest for spontaneous vacationers: AIG Travelguard

AIG is a number one international supplier of insurance coverage for each people and companies. Its Travelguard “Important” plan provides $15,000 of emergency medical protection and journey cancellation protection for 100% of the insured value of the journey. Increased protection quantities can be found with the corporate’s “Most popular” and “Deluxe” plans. 

AIG Travelguard additionally provides its uncommon “Pack N’ Go” plan, designed for last-minute vacationers who do not want journey cancellation protection. This plan contains as much as $1,000 of journey interruption and $25,000 of medical expense protection, together with coverages for journey delays, missed connections, and misplaced baggage.

AIG guarantees quotes on its web site in lower than two minutes, making it straightforward to incorporate Travelguard in your comparability buying. Travelguard has 1.7 out of 5 stars on Trustpilot, although that is based mostly on solely 58 critiques (accessed Aug. 2, 2023). 

Greatest for households with younger youngsters: Allianz

Allianz World Help (Allianz Journey) is a subsidiary of Allianz SE, the world’s largest diversified insurance coverage firm. Its “Primary” plan contains $10,000 of each journey interruption and emergency medical expense protection. The corporate provides a number of plans with increased protection, together with an “Emergency Medical” plan targeted totally on medical protection. Allianz additionally provides a number of annual coverage plans for many who intend to journey a number of instances a 12 months.

The corporate’s “OneTrip Prime” plan extends protection totally free to youngsters underneath age 17 who’re touring with a mum or dad or grandparent, making it excellent for household holidays. Allianz claims the plan is its hottest, with as much as $100,000 of journey cancellation and $50,000 of emergency medical protection.

Allianz earns 4.1 out of 5 stars in its Trustpilot ranking (accessed Aug. 2, 2023), together with 75% five-star critiques.

Greatest for luxurious journey: Berkshire Hathaway

Berkshire Hathaway is without doubt one of the nation’s largest corporations (at the moment seventh on the Fortune 500). It’s additionally the mum or dad firm of auto insurance coverage large GEICO. 

Berkshire Hathaway’s “ExactCare Worth” coverage plan contains $15,000 of medical protection and journey cancellation protection of 100% of the insured worth of the journey. The plan additionally contains protection for misplaced baggage, baggage delay, journey delay, and emergency evacuation.  

Berkshire Hathaway provides a specialised insurance coverage plan for luxurious journey. This plan options increased medical and journey cancellation protection limits, $2,500 value of misplaced baggage protection, $35,000 of automotive rental collision protection, and 24/7 worldwide journey help. 

Berkshire Hathaway Journey Insurance coverage doesn’t at the moment have a Trustpilot ranking (accessed Aug. 2, 2023).

Greatest for cruises: Nationwide

Nationwide is without doubt one of the nation’s most recognizable insurance coverage manufacturers, with insurance policies accessible for properties, vehicles, and companies. The corporate additionally provides journey insurance coverage. 

Its “Single-trip Important” journey insurance coverage plan supplies $75,000 in medical emergency protection. That is probably the most protection of any of the businesses in our overview. Nationwide’s $10,000 restrict for journey cancellation is decrease than that of different plans, nonetheless. 

Increased limits can be found with its “Prime” plan, together with a cancel-for-any-reason possibility that pays 75% of the insured journey value. The plan additionally contains quite a lot of further coverages, comparable to journey delay, baggage delay, emergency medical evacuation, and elective rental automotive protection.  

Nationwide additionally provides a separate, specialised journey insurance coverage coverage for these embarking on cruises. Moreover anticipated coverages comparable to journey cancellation and emergency medical, it covers itinerary adjustments, mechanical breakdown, and missed connections.

Nationwide has earned 1.9 out of 5 stars in its Trustpilot ranking, based mostly on solely 42 critiques (Accessed Aug 2, 2023).

Greatest for novice athletes: Tin Leg

Tin Leg journey insurance coverage coverage plans are underwritten by Berkshire Hathaway and different corporations. Its “Economic system” plan contains journey cancellation protection at 100% of the insured value and $20,000 of emergency medical protection. The corporate provides quite a lot of further journey insurance coverage with various ranges of protection. 

In the event you’re touring to take part in a sports activities occasion and bringing your costly gear, Tin Leg may very well be a terrific alternative. Its “Economic system” plan contains protection for lack of, or injury to, sporting tools (comparable to a bicycle or skis). It additionally reimburses your occasion registration charges in case your journey is canceled or interrupted.  

Tin Leg has a Trustpilot ranking of 1.9 out of 5 stars (accessed Aug 2, 2023), although that is based mostly on solely 13 critiques. 


To develop our suggestions, we gathered details about a number of main journey insurance coverage suppliers from their web sites and third-party critiques, the place accessible. We targeted on the vary of important coverages, together with emergency medical protection and journey cancellation protection, together with the supply of 24/7 buyer assist throughout journey. The place it existed, we famous every firm’s coverage cancellation phrases. 

We reviewed probably the most economical plan for every firm that included each medical and journey cancellation protection. We additionally famous elective coverages and upgraded plans that present increased ranges of protection or specialty coverages for area of interest journey. 

This info is for comparability functions solely. Please confirm coverage particulars earlier than buying. 

The best way to choose the perfect journey insurance coverage firm

Observe the following tips to decide on the perfect journey insurance coverage firm in your wants. 

Decide your wants

Your journey insurance coverage wants for a Caribbean cruise might differ considerably from these for a backpacking journey by means of the Swiss Alps. Your first step needs to be to stipulate your journey expense funds and checklist the actions during which you propose to take part (be aware that some insurance policies embody elective protection for sure actions, comparable to journey sports activities). Additionally, contemplate your well being standing, as some insurance policies require you to pay additional for sure pre-existing well being circumstances. 

Examine your journey insurance coverage choices

Examine in case you would possibly have already got some journey insurance coverage available to you. Some bank card corporations supply protection in case you use their card to pay in your journey. Protection might also be accessible from a tour operator or an airline. You too can get suggestions from a journey agent or an impartial insurance coverage agent. 

Evaluate accessible options and protection quantities

You will uncover that every journey insurance coverage supplier provides various ranges of normal protection, comparable to journey cancellation and emergency medical expense, together with elective coverages. They sometimes additionally supply a number of plans (assume “good,” “higher,” and “greatest”). Evaluate these and choose a number of suppliers that supply the coverages you want.  

Get quotes from a number of corporations

As with every different kind of insurance coverage, journey insurance coverage prices fluctuate amongst corporations. Examine with not less than three or 4 to make sure that you are getting the protection you need at a worth you possibly can afford. 

Time STAMP: Journey is costlier than ever. Defend your journey with journey insurance coverage

Enterprise and pleasure journey alike have bounced again from the pandemic. Nonetheless, touring has additionally turn into way more costly, because of inflation and elevated demand. In the event you plan to move to some far-off vacation spot—whether or not by air, highway, rail, or ship—contemplate shopping for journey insurance coverage. A coverage reimburses lined medical prices, journey interruption, and different snags which will befall your journey.

Continuously requested questions (FAQs) 

How is your journey insurance coverage value decided?

Your journey insurance coverage value will fluctuate based mostly on the quantity of protection bought, the variety of vacationers, the age of the vacationers, and your journey vacation spot. Journey insurance coverage prices additionally fluctuate by insurance coverage firm, underscoring the necessity to store round for protection.

Which journey insurance coverage coverages can be found?

Journey insurance coverage insurance policies sometimes embody the next coverages. 

  • Emergency medical bills. This helps cowl the price of care in case you or anybody insured by the coverage has a medical emergency throughout your journey.  
  • Journey cancellation. This covers the price of your journey if it is canceled attributable to one of many causes listed on the coverage contract. You might also have an possibility for “cancel for any purpose,” which supplies protection if the journey is canceled, whatever the purpose why. 
  • Journey interruption. This covers prices associated to a shortening of your journey. These prices would possibly embody reimbursement of pay as you go lodge bookings, airline change charges, or additional lodging wanted throughout your journey dwelling. 
  • Emergency medical transport. This covers the price of transportation to the closest medical facility when you’ve got a medical emergency throughout your journey. 
  • Baggage injury. This supplies protection in case your baggage is broken or misplaced throughout journey. 
  • Journey delay. This covers prices related to a big delay to your journey, together with further lodging and meals. 

I’m involved about getting sick whereas touring. What insurance coverage ought to I search for?

In the event you’re involved about getting sick, make sure you select a coverage that features coverages comparable to emergency medical (which helps pay in your medical bills) and emergency medical transport (which helps pay for transportation to a hospital). 

Do I would like journey insurance coverage for a cruise?

Journey insurance coverage is value contemplating for a cruise. As insurer Allianz notes, a coverage might help you recoup prices if it’s worthwhile to cancel on the final minute, have a medical emergency whereas on board or at a cease (common medical insurance might not present protection outdoors of the U.S.), or in case you miss the ship all collectively attributable to a delay by your airline.

Is there journey insurance coverage for a number of journeys?

In the event you’re planning to take a number of journeys in a single 12 months, you would possibly wish to contemplate multi-trip insurance coverage (additionally known as “annual” journey insurance coverage). This sort of coverage sometimes supplies journey interruption, emergency medical expense, journey delay, and different coverages at a worth that’s lower than shopping for a coverage for every journey. 

How do I file a journey insurance coverage declare?

If it’s worthwhile to file a journey insurance coverage declare, name the insurance coverage firm. Every firm has its personal course of for declare submitting. You will wish to make certain you may have the right declare kinds and perceive what supporting documentation the corporate requires. Make sure to comply with the corporate’s directions for submitting your declare request.  

How lengthy does it take for a journey insurance coverage declare to be paid?

It might probably take a number of weeks for a journey insurance coverage declare to be paid. Make sure to look ahead to any follow-up requests out of your insurer (comparable to requests for added documentation) and reply promptly to keep away from pointless delays.

Does my bank card supply journey insurance coverage?

Some bank cards do supply various ranges of journey insurance coverage, together with journey interruption, medical expense, journey delay, and emergency evacuation protection. Examine your bank card phrases and circumstances or advantages assertion to grasp what protection could also be offered.

The card_name card provides the most effective portfolios of journey insurance coverage advantages, together with $100,000 of emergency transportation protection, $2,500 of emergency medical and dental protection, and as much as $20,000 of journey interruption protection.

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