July 19, 2024
Greatest Journey Insurance coverage Corporations for February 2024

Planning to journey in 2024? You are not alone. In response to the usTravel Affiliation, a commerce group, journey has bounced again after the pandemic, with People forecasted to spend a staggering $1.09 trillion on home and worldwide journey this yr. This surge, nevertheless, comes with its challenges, as journey prices have soared to unprecedented heights, fueled by elevated demand and value inflation.

On this period of heightened journey bills, safeguarding your journey is paramount. Enter journey insurance coverage, an important defend in opposition to the uncertainties which will come up throughout your adventures. That can assist you navigate this important resolution, we have compiled an inventory of the perfect journey insurance coverage corporations. Be a part of us as we discover these prime selections, making certain your travels usually are not solely memorable but in addition financially protected.

Evaluate the perfect journey insurance coverage corporations 2024

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 corporations

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 “Fundamental” 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 evaluate. Nevertheless, increased limits can be found by deciding on the corporate’s “Choose” plan.

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

It’s additionally price noting that Travelex is without doubt one of the highest-rated journey insurance coverage suppliers on Trustpilot, having earned 4.1 out of 5 stars. One current reviewer famous, “I’ve at all times been skeptical of journey insurance coverage and all the guarantees of easy 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 crimson tape. What’s to not love?”

Greatest normal protection bundle: Generali International Help

Generali International Help

Max medical protection


Max journey cancel protection

100% of journey value

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

Generali International Help is a European firm with insurance coverage providers specializing in journey and id 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 harm, baggage delay, and missed connection protection. Choices resembling rental automobile collision harm and improve plans assist you to journey with much more protection.

Generali has 3.4 out of 5 stars with Trustpilot.

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 customers might not instantly acknowledge AXA Journey Insurance coverage, however the firm is a multinational monetary providers big 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. Further 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’ll be able to cancel your journey for any purpose—private, skilled, medical, household, or different—and anticipate to obtain reimbursement. This contrasts with normal journey cancellation protection, wherein the cancellation should be for one of many particular causes said 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.

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 gives $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 gives 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 simple to incorporate Travelguard in your comparability procuring. Travelguard has 1.7 out of 5 stars on Trustpilot, although that is based mostly on solely 64 opinions.

Greatest for households with younger youngsters: Allianz

Allianz International Help (Allianz Journey) is a subsidiary of Allianz SE, the world’s largest diversified insurance coverage firm. Its “Fundamental” plan contains $10,000 of each journey interruption and emergency medical expense protection. The corporate gives a number of plans with increased protection, together with an “Emergency Medical” plan centered totally on medical protection. Allianz additionally gives a number of annual coverage plans for individuals who intend to journey a number of occasions a yr.

The corporate’s “OneTrip Prime” plan extends protection free of charge to youngsters below age 17 who’re touring with a mother or father or grandparent, making it ultimate 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 4.4 out of 5 stars in its Trustpilot ranking, together with 76% five-star opinions.

Greatest for luxurious journey: Berkshire Hathaway

Berkshire Hathaway is without doubt one of the nation’s largest corporations (at present seventh on the Fortune 500). It’s additionally the mother or father firm of auto insurance coverage big 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 gives a specialised insurance coverage plan for luxurious journey. This plan options increased medical and journey cancellation protection limits, $2,500 price of misplaced baggage protection, $35,000 of automobile rental collision protection, and 24/7 worldwide journey help.

Berkshire Hathaway Journey Insurance coverage doesn’t at present have a Trustpilot ranking.

Greatest for cruises: Nationwide

Nationwide is without doubt one of the nation’s most recognizable insurance coverage manufacturers, with insurance policies accessible for properties, automobiles, and companies. The corporate additionally gives 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 evaluate. Nationwide’s $10,000 restrict for journey cancellation is decrease than that of different plans, nevertheless.

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, resembling journey delay, baggage delay, emergency medical evacuation, and non-compulsory rental automobile protection.

Nationwide additionally gives a separate, specialised journey insurance coverage coverage for these embarking on cruises. Apart from anticipated coverages resembling journey cancellation and emergency medical, it covers itinerary modifications, mechanical breakdown, and missed connections.

Nationwide has earned 1.5 out of 5 stars in its Trustpilot ranking, based mostly on solely 67 opinions.

Greatest for beginner athletes: Tin Leg

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

In case you’re touring to take part in a sports activities occasion and bringing your costly gear, Tin Leg might be an amazing selection. Its “Financial system” plan contains protection for lack of, or harm to, sporting gear (resembling 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 1.6 out of 5 stars, although that is based mostly on solely 24 opinions.


To develop our suggestions, we gathered details about a number of main journey insurance coverage suppliers from their web sites and third-party opinions, the place accessible. We centered on the vary of important coverages, together with emergency medical protection and journey cancellation protection, together with the provision 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 non-compulsory coverages and upgraded plans that present increased ranges of protection or specialty coverages for area of interest journey.

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

How you can choose the perfect journey insurance coverage firm

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

Decide your wants

Your journey insurance coverage wants for a Caribbean cruise might differ considerably from these for a backpacking journey by way of the Swiss Alps. Your first step must be to stipulate your journey expense finances and record the actions wherein you intend to take part (observe that some insurance policies embody non-compulsory protection for sure actions, resembling journey sports activities). Additionally, think about your well being standing, as some insurance policies require you to pay further for sure pre-existing well being situations.

Examine your journey insurance coverage choices

Verify should you may have already got some journey insurance coverage available to you. Some bank card corporations provide protection should you use their card to pay to your journey. Protection might also be accessible from a tour operator or an airline. You can even get suggestions from a journey agent or an impartial insurance coverage agent.

Evaluate accessible options and protection quantities

You may uncover that every journey insurance coverage supplier gives various ranges of normal protection, resembling journey cancellation and emergency medical expense, together with non-compulsory coverages. They usually additionally provide a number of plans (assume “good,” “higher,” and “greatest”). Evaluation these and choose a couple of suppliers that supply the coverages you want.

Get quotes from a number of corporations

As with all different kind of insurance coverage, journey insurance coverage prices fluctuate amongst corporations. Verify with at the very least three or 4 to make sure that you are getting the protection you need at a value you’ll be able to afford.

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

Enterprise and pleasure journey alike have bounced again from the pandemic. Nevertheless, touring has additionally turn into rather more costly, because of inflation and elevated demand. In case you plan to go to some far-off vacation spot—whether or not by air, street, rail, or ship—think about shopping for journey insurance coverage. A coverage reimburses coated medical prices, journey interruption, and different snags which will befall your journey.

Regularly 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 usually embody the next coverages.

  • Emergency medical bills. This helps cowl the price of care should 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 as a result of 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 may embody reimbursement of pay as you go resort bookings, airline change charges, or further lodging wanted throughout your journey dwelling.
  • Emergency medical transport. This covers the price of transportation to the closest medical facility if in case you have a medical emergency throughout your journey.
  • Baggage harm. This supplies protection in case your baggage is broken or misplaced throughout journey.
  • Journey delay. This covers prices related to a major 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 case you’re involved about getting sick, make sure you select a coverage that features coverages resembling emergency medical (which helps pay to your medical bills) and emergency medical transport (which helps pay for transportation to a hospital).

Do I want journey insurance coverage for a cruise?

Journey insurance coverage is price contemplating for a cruise. As insurer Allianz notes, a coverage can assist you recoup prices if you should cancel on the final minute, have a medical emergency whereas on board or at a cease (common medical health insurance might not present protection outdoors of the U.S.), or should you miss the ship all collectively as a result of a delay by your airline.

Is there journey insurance coverage for a number of journeys?

In case you’re planning to take a number of journeys in a single yr, you may wish to think about multi-trip insurance coverage (additionally referred to as “annual” journey insurance coverage). This sort of coverage usually supplies journey interruption, emergency medical expense, journey delay, and different coverages at a value that’s lower than shopping for a coverage for every journey.

How do I file a journey insurance coverage declare?

If you should file a journey insurance coverage declare, name the insurance coverage firm. Every firm has its personal course of for declare submitting. You may wish to be certain you may have the right declare types 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 may possibly 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 (resembling requests for added documentation) and reply promptly to keep away from pointless delays.

Does my bank card provide journey insurance coverage?

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

The card_name card gives 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.