What does travel insurance typically cover?

Travel insurance typically covers trip cancellations, medical emergencies, lost or delayed baggage, and flight disruptions. Some comprehensive plans also include coverage for emergency evacuations, rental car protection, and even adventure sports. Be sure to review your policy details to understand the exact coverage.

Is travel insurance worth it?

Yes, travel insurance is often worth the cost, especially for international trips. It provides financial protection against unexpected trip cancellations, medical emergencies abroad, lost luggage, and other travel disruptions. In some cases, it can save travelers thousands of dollars in emergency expenses.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors, including the length of the trip, destination, age of the traveler, and level of coverage. On average, travel insurance costs between 4% to 10% of the total trip cost. Basic plans are more affordable, while comprehensive plans offer broader protection.

Does travel insurance cover COVID-19 related issues?

Many travel insurance providers now offer COVID-19 coverage, which may include trip cancellations due to illness, quarantine expenses, and medical treatment abroad. However, coverage varies by provider, so it's important to check the policy details to see what is included.

When should I buy travel insurance?

It’s best to purchase travel insurance as soon as you book your trip. Many policies include coverage for trip cancellations due to unforeseen events, but only if the policy is purchased before those events occur. Buying early ensures you’re protected if you need to cancel your trip before departure.

What is the difference between primary and secondary travel insurance?

Primary travel insurance covers claims first, meaning you don’t need to file with another provider before receiving reimbursement. Secondary travel insurance requires you to file a claim with another insurance provider first (such as your health insurance) before covering any remaining costs.

The Best Travel Insurance Plans for Stress-Free Adventures

Why Travel Insurance Is Your Best Companion on Any Journey

You’ve planned your dream vacation, but a canceled flight or medical emergency can quickly derail your plans—and without travel insurance, those unexpected costs could ruin the trip. Travel insurance is your safety net, protecting you from costly surprises. Whether it’s covering medical bills, lost luggage, or a canceled trip, flexible plans ensure you’re protected—no matter what kind of traveler you are.

What is Travel Insurance, and Why Do You Need It?

Travel insurance is more than just an extra expense; it’s a necessary backup when things go wrong. From medical emergencies to flight delays, the right policy can transform a stressful situation into a manageable one, allowing you to enjoy your travels without worry.

The Best Travel Insurance Companies for Every Traveler

1. Best Overall: Allianz Global Assistance

Why it’s great: Allianz offers comprehensive plans with excellent trip cancellation, medical, and evacuation coverage. Their user-friendly tools make it easy to manage policies and file claims, whether you're a frequent or occasional traveler.
Key Features:
- Trip Cancellation: Covers up to 100% of the trip cost.
- Emergency Medical: Up to $50,000.
- Medical Evacuation: Up to $250,000.
Best for: Frequent travelers, families, and business trips.

2. Best for Medical Coverage: Berkshire Hathaway Travel Protection

Why it’s great: Known for fast claims processing and high medical coverage limits,

Berkshire Hathaway offers peace of mind, especially for those concerned about medical emergencies.
Key Features:
- Trip Cancellation: Up to 100% of the trip cost.
- Emergency Medical: Up to $100,000.
- Medical Evacuation: Up to $1,000,000.
Best for: Travelers who prioritize robust medical coverage and fast claims processing.

3. Best for Travelers with Pre-Existing Conditions: Travel Guard by AIG

Why it’s great: Travel Guard offers a pre-existing condition waiver on all plans if purchased within 15 days of booking. Their customizable plans also cater to adventure travelers with added evacuation options.
Key Features:
- Trip Cancellation: Up to 100% of the trip cost.
- Emergency Medical: Up to $15,000.
- Medical Evacuation: Up to $150,000.
Best for: Travelers with pre-existing conditions looking for flexible coverage.

Company	Trip Cancellation	Emergency Medical	Medical Evacuation	Pre-Existing Condition Coverage	Adventure Sports Coverage	24/7 Assistance	Price
Allianz Global Assistance	Up to 100% of trip cost	Up to $50,000	Up to $250,000	No waiver	Optional add-ons	Yes	Moderate to High
Berkshire Hathaway Travel Protection	Up to 100% of trip cost	Up to $100,000	Up to $1,000,000	No waiver	Not typically included	Yes	Moderate
Travel Guard by AIG	Up to 100% of trip cost	Up to $15,000	Up to $150,000	Waiver available if purchased within 15 days	Optional add-ons	Yes	Moderate

Cancel for Any Reason (CFAR) Options Explained

Cancel for Any Reason (CFAR) coverage provides flexibility not offered by standard policies. CFAR lets you cancel your trip for reasons not normally covered, such as changing your mind. However, CFAR typically comes as an add-on and is not available for annual plans.

Allianz Global Assistance: CFAR can be added to select single-trip plans, reimbursing up to 80% of nonrefundable trip costs (It’s usually available only on single-trip plans, not annual plans, and must be purchased within a specified time of the initial booking).
Berkshire Hathaway Travel Protection: Only on the LuxuryCare plan. It reimburses up to 50% of nonrefundable trip costs if you cancel for any reason. Travelers must insure 100% of their trip cost and buy the LuxuryCare policy within 15 days of the initial trip deposit to be eligible. (No CFAR option is available on BHTP’s lower-tier plans).
Travel Guard by AIG: CFAR is available on single-trip policies (typically the mid- or high-tier plans, not the basic Essential plan), reimbursing up to 50% of trip costs. You generally must purchase this add-on within 15 days of your first trip payment and cancel at least 48 hours before departure to use CFAR.

Why It Pays to Be Prepared

Travel is unpredictable, but travel insurance ensures that even the unexpected doesn’t ruin your plans. Companies like Allianz, Berkshire Hathaway, and Travel Guard offer plans that cater to different types of travelers, so finding the right policy is easy.

Before your next adventure, ensure you're covered and can travel with peace of mind, knowing that you're protected from the unexpected.

Conclusion: Don’t Leave Home Without It

Travel insurance isn’t a luxury; it’s a necessity. With the right coverage, you can focus on enjoying your trip instead of worrying about the unknown. Protect yourself, choose the best travel insurance for your needs, and travel with confidence.

Disclaimer:

The information provided on this blog is for general informational purposes only and is not intended as legal, medical, or financial advice. While we strive to provide accurate and up-to-date information, we make no guarantees about the completeness or accuracy of the information presented. Readers are encouraged to consult directly with travel insurance providers or legal advisors for specific guidance related to their personal circumstances.

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