over 80 travel insurance with covid cover

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Travel Insurance

Best travel insurance for seniors in May 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 4:00 a.m. UTC April 1, 2024

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Tin Leg and Trawick International offer the best travel insurance for seniors, according to our analysis of plans’ cost and coverage limits.

Best senior travel insurance plans of 2024

• Tin Leg: Gold
• Trawick International: Safe Travels First Class
• Seven Corners: Trip Protection Choice
• Generali Global Assistance: Premium
• Nationwide: Prime

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 840 coverage details evaluated.
• 84 rates reviewed.
• 5 levels of fact-checking.

Top-rated travel insurance for seniors

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, what you should know.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

• Excellent $500,000 per person in primary emergency medical coverage.
• Very good emergency medical coverage of $500,000 per person.
• Eligible for pre-existing medical condition exclusion waiver if conditions are met.
• “Cancel for any reason” coverage of 75% available.
• No “interruption for any reason” upgrade available.
• Hurricane and weather coverage kicks in only after a 48-hour delay.
• Lowest baggage and personal item loss coverage of our top-rated senior plans.
• Lowest travel delay coverage of our top-rated senior plans.
• No rental car coverage option.

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

• Second-cheapest of our best senior plans.
• Best-in-class medical evacuation coverage of $1 million.
• Pre-existing condition coverage available if conditions are met.
• Baggage loss coverage of $2,000 per person is the best among our top senior plans.
• No “interruption for any reason” coverage upgrade available.
• Travel delay benefit takes 12 hours to kick in.
• Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

• Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
• Great “interruption for any reason” coverage of 75% available.
• The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

Generali Global Assistance’s premium plan offers trip interruption coverage of up to 175% of your trip cost. Most top-rated competitors offer a maximum of 150%.

• Top-notch $1 million per person in medical evacuation coverage.
• Solid baggage loss coverage of $2,000 per person.
• “Cancel for any reason” coverage of 75% available.
• Baggage must be delayed for 12 hours before benefits kick in.
• Missed connection coverage of $1,000 per person only applies to cruises and tours.
• Emergency medical expense benefit is secondary coverage.

Nationwide Prime travel insurance offers an exceptional 200% coverage for trip interruption.

• If you need to cut your trip short for a covered reason, you can be reimbursed up to 200% of your prepaid trip cost.
• High travel delay coverage of $2,000 per person ($250 per day limit).
• “Cancel for any reason” coverage of 75% is available.
• Low missed connection benefit of $500 per person for cruises and tours only.
• No “interruption for any reason” coverage available.

Compare the best travel insurance for seniors

Via TravelInsurance.com’s website

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

Pre-existing medical condition exclusion waiver: 20 points. Travel insurance plans that cover pre-existing medical conditions if the policy is purchased within a required timeline received points.

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

• Trip cancellation insurance . 
• Trip delay insurance.
• Trip interruption insurance. 
• Travel medical insurance. 
• Emergency medical evacuation .
• Baggage loss and delay coverage.

What’s the most important travel insurance coverage for senior travelers?

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

• Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19 . 
• Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
• Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
• Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
• “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.

Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others. 

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said Clark.  

CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.

When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.

More travel insurance for seniors resources

• What is travel insurance?
• What does travel insurance cover?
• Average cost of travel insurance
• Is travel insurance worth it?
• Best COVID travel insurance
• Best cruise travel insurance  

Best senior travel insurance FAQs

If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.

“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com. 

To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.

Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.

More: Is travel insurance worth it?

Tin Leg’s Gold plan and Trawick International’s Safe Travel First Class plan provide the best travel insurance for seniors for the price, according to our analysis. These are the only plans to merit 5 stars in our rating.

Yes, you can get travel insurance over 80, but it will cost you more.

Yes. If you’re shopping for travel insurance over 80, for instance, you’ll pay an average of 18% of your total trip cost. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.

Travel insurance for the elderly varies by insurer when it comes to upper age limits . If you are concerned about finding the best travel medical insurance for seniors over 7 0 , start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Rating Details
• Travelex Insurance Services
• Allianz Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Best COVID Travel Insurance Options in Detail

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

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Best COVID-19 Travel Insurance in May 2024

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Table of Contents

Factors we considered when picking travel insurance that covers COVID

An overview of the best travel insurance for covid , top travel insurance for covid options , additional resources for covid-19 travel insurance shoppers.

No matter how well you prepare, travel plans don’t always go as expected. Some travelers buy travel insurance to protect their investment in prepaid travel costs. Amid the ongoing pandemic, exploring travel insurance with COVID-19 coverage is recommended. With the right policy, you can protect yourself if you need to cancel your trip or end it early due to illness. Many insurers offer travel insurance policies with this kind of coverage. 

This is the shortlist of the best travel insurance for COVID options: 

Berkshire Hathaway Travel Protection . 

John Hancock Insurance Agency, Inc.  

Seven Corners . 

Travelex Insurance Services . 

Travel Insured International . 

WorldTrips . 

We used the following factors to choose insurance providers to highlight in our best travel insurance for COVID list: 

Range of coverage: We looked at how many plans each company offered with COVID-19 coverage, plus the range of available plans. 

Depth of coverage: We compared the maximum caps for trip cancellation and trip interruption claims between carriers and plans.

Medical benefits: We examined whether plans included emergency medical benefits for COVID-19 reasons and whether plans included medical evacuation and repatriation benefits. 

Cost: We determined an average cost for shoppers to benchmark plan prices by looking at the basic coverage costs for plans with COVID-19 benefits across multiple companies.

We looked at quotes from various companies for a six-night trip in May 2023 to Croatia. The traveler was 30 years old, from Texas and planned to spend $1,500 on the trip, including airfare.

On average, the price of each company’s most basic coverage plan with COVID-19 coverage was $47.22. The prices listed below are for the most basic COVID-19 travel insurance coverage. All insurers offer multiple COVID-19 policies with greater coverage coming at a higher cost. 

Let's take a closer look at our eight recommendations for travel insurance with COVID coverage: 

Berkshire Hathaway Travel Protection

What makes Berkshire Hathaway Travel Protection great:

Several plans allow policyholders to cancel for COVID-19 sickness as part of trip cancellation and trip interruption insurance benefits. 

Several plans include COVID-19 medical coverage benefits.

Medical evacuation benefits are included in these plans. 

Plans include limited sports and activities coverage and sports equipment loss benefits. 

Basic Berkshire Hathaway Travel Protection will run you $50 for an ExactCare Value policy, the company’s most basic COVID-19 travel insurance coverage option.

What makes IMG great:

Many plans include COVID-19 cancellation benefits.

Most of these plans also include COVID-19 medical benefits (the Travel Essentials plan doesn’t include this). 

Medical evacuation coverage is available on select plans. 

Coverage for adventure travel is available for an extra cost. 

IMG is a good option for the budget-minded: Its Travel Essential plans cost more than $10 less than average based on our comparison. 

John Hancock Insurance Agency, Inc. 

What makes John Hancock Insurance Agency great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancellation coverage. 

These plans offer COVID-19 medical benefits.

Medical evacuation coverage is included in all COVID-19 coverage plans. 

The John Hancock Insurance Agency, Inc. basic plan (Bronze) costs $56. 

Seven Corners

What makes Seven Corners great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans include COVID-19 medical benefits and evacuation and repatriation benefits.

There is no medical deductible. 

Seven Corners’ basic coverage plan (RoundTrip Basic) for our trip to Croatia costs $44.

Travelex Insurance Services

What makes Travelex Insurance Services great:

Multiple plans include Covid-19 sickness coverage, which reimburses prepaid and nonrefundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

These plans also include COVID-19 medical benefits.

Medical evacuation and repatriation benefits are included. 

Basic coverage (Travel Basic) from Travelex Insurance Services costs $44 for our sample trip, which is slightly cheaper than average. 

Travel Insured International

What makes Travel Insured International great:

Multiple plans cover COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans also include COVID-19 medical benefits, including medical evacuation. 

Limited sports and activities coverage is included in plans with COVID-19 coverage. 

Travel Insured International's basic coverage (Worldwide Trip Protector Edge) begins at $55 — only a few dollars more than the average basic policy price. 

What makes Tin Leg great:

A wide range of plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

All of these plans also include COVID-19 medical benefits. 

All of these include medical evacuation benefits. 

An adventure travel policy is available. 

Another plus: Tin Leg’s basic coverage plan (Basic) for our trip to Croatia costs $48.85 — making it right around the average price for the policies we covered. 

WorldTrips 

What makes WorldTrips great:

Several plans include medical coverage for COVID-19. 

Sports and activities and sports equipment loss are included. 

Coverage can be extended for up to thirty days, including for medical quarantine purposes. 

WorldTrips’ most affordable plan with COVID-19 coverage (Atlas Journey Economy) starts at $44, making it a low-cost option. 

Do you want to learn more about travel insurance before you spend money on a policy? Take a look at these resources: 

What is travel insurance?  

What does travel insurance cover? 

The best travel insurance companies 

How to find the right travel insurance for you

10 credit cards that provide travel insurance

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

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Travel insurance for seniors over 80

Compare 9 brands that offer travel insurance for over 80s. get covered for pre-existing medical conditions, cruise holidays and covid..

What you need to know

• Many providers offer travel insurance for over 80s. This can include COVID insurance and cover for pre-existing conditions .
• We made a list of travel insurers that can cover you if you are over 80 years old.
• You can also use our travel insurance engine to compare quotes for free.

What is travel insurance for over 80s?

Travel insurance for over 80s works in a similar way to regular travel insurance, but there are some important factors to consider. You can still find travel insurance when you're in your 80s, although it may be more difficult. Some travel insurance policies may have age limits or restrictions on coverage for pre-existing medical conditions, so it's important to read the policy wording carefully and disclose all medical conditions when applying. You can compare policies from multiple insurers with the tool below.

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See over 80s coverage details from multiple insurers

Note: This information was last updated January 2023

Travel insurance for over 80s with pre-existing medical conditions

Pre-existing medical conditions can make it more difficult to get affordable travel insurance. A pre-existing medical condition is one of the following:

• An ongoing medical condition you have
• A medical condition that is currently being (or has been) investigated or treated by a medical professional
• If you take prescribed medicine, or have undergone surgery for a particular condition
• Any condition for which you see a medical specialist.

3 Things to do when you're choosing a policy

1. Disclose all pre-existing conditions

Speak to the insurer's medical examiner and disclose all existing or known conditions. While this may raise your premium, the cost of a potential hospital stay would largely outweigh this small expense. Without full disclosure, you may not be covered if your insurer finds out that you have not been completely honest.

2. Get written evidence

Make sure any cover that you are offered on the phone or in person by a travel agent or salesperson is in the insurance policy's PDS. This will help you avoid a situation where your claim is denied even though your travel agent said you would be covered.

3. Read the PDS.

Be aware of age limits, limitations of coverage and wording in the PDS or you may run into trouble when making a claim. For instance, you may make a claim for a trip cancellation only to discover you will only be covered for up to $2,500 because of your age, while your cancellation costs amount to $4,000.

Are there ways to find cheap travel insurance for over 80s?

Travel insurance for over 80s is typically more expensive than it is for younger people, to reflect the added risk of illness and injury for older travellers. But that doesn't mean you can't find cheap travel insurance for over 80s.

Here are 5 things you can do to save money on travel insurance:

Airlines and travel agents usually add hefty commissions on top of the cost of a policy, so you can save money by shopping online and buying cover direct from an insurer.

Adjust your excess

Many insurers give you the option to edit your excess . By switching to a higher excess, you can get a lower premium. Of course, you'll need to make sure you'll be able to afford the excess if you do claim.

Look for discounts

There are often discounts, deals and special offers to help you save money on travel insurance. You could start by looking for online promo and coupon codes .

Buy a joint policy

Travelling with a friend or relative? Instead of purchasing separate travel insurance cover, save money by combining forces to buy a joint policy.

Compare policies

Get quotes from multiple insurers and see how they stack up against one another. Once you've found some policies in the right price range, compare their features to see what's covered and what's excluded.

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

Frequently asked questions, can a 90-year-old get travel insurance.

Yes. Travel insurance can insure people up to 99 years old. Insurers including Travel Insurance Saver, SCTI and Tick offer cover for people over 90. Many can also cover pre-existing medical conditions provided you disclose them to the insurer.

What's the maximum age for travel insurance?

It depends on the brand. Some insurers won't cover anyone over the age of 65, while others will consider those over the age of 100 – that includes Tick Travel , Travel Insurance Saver and SCTI .

Is travel insurance more expensive for over 80s?

Yes. After the age of 50, travel insurance tends to get more expensive as you get older. That's because the risk of a claim to the insurer is generally higher.

Can you get travel insurance with a pre-existing condition?

Yes, you can get travel insurance if you have a pre-existing medical condition . However, the level of cover differs between brands. Some will provide travel insurance but won't cover any incidents that occur from your pre-existing medical condition, while others will insure your pre-existing medical condition in exchange for higher premiums.

Are my children and grandchildren covered under my senior's policy?

If you have any dependant children or grandchildren travelling with you, most insurers will cover them free of charge. That's as long as they are under the age of 18 (in some cases 24), are out of full-time employment and are listed on your policy.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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Travel Insurance for Seniors

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance For Over 80s

We cover all pre existing medical conditions and much more:

• No upper age limit
• 24/7 emergency medical helpline
• Specialist cover for over 80s

Over 80s Travel Insurance is designed to ease the worries and uncertainties you may have when travelling in the later stages of life. This includes specialised medical cover for pre-existing conditions, as well as medical emergencies, ensuring travellers over 80 can enjoy their getaways with peace of mind.

What is Over 80s Travel Insurance – and do you need it?

Over 80s Travel Insurance is designed to cover you for a variety of risks related to travelling at an older age. As Medical Travel Insurance specialists, we can cover over 1,300 different existing medical conditions, as well as emergency medical expenses and repatriation. 

Here are a few reasons to get your over 80s Travel Insurance with AllClear:

• The joy of travelling worry-free: With AllClear, you can travel confidently knowing you’re protected every step of the way. From trip cancellations and lost baggage to specialist medical cover around the world, you can travel with peace of mind, focusing solely on the enriching experiences of your trip
• Specialist medical cover: We have over 20 years of experience as Medical Travel Insurance specialists, covering 1,300 different medical conditions, including common pre-existing conditions like high blood pressure , cancer and diabetes .
• Repatriation cover: If you don’t have repatriation cover and you need an air ambulance back to the UK, this could cost you anywhere between £10,000 to upwards of £50,000 . You’d then need to add the expense of any medical treatment on top of that. Our Over 80s Holiday Insurance can cover you for these costs.
• No upper age limit: Whether you’re booking a Single Trip policy or travelling with family and friends, our policies have no upper age limit. This means we can offer you tailored Travel Insurance for your 80s and beyond.

What does AllClear’s Over 80s Travel Insurance cover?

Travelling in your 80s doesn’t have to be stressful or difficult, it should be invigorating and exciting. 

Our Over 80s Travel Insurance policy covers everything included in our standard Travel Insurance policy, with no upper age limit.

What’s covered?

• Medical expenses – We can cover emergency medical treatment you need while travelling. This includes any pre-existing medical conditions you’ve declared
• Medical aids – We will protect your essential medical equipment and accessories from loss or damage, so you can travel with confidence
• Medication – If you lose your prescription medication during your trip, we will cover and help you replace it
• Repatriation – This covers the cost of emergency medical transport back to the UK, which could otherwise cost tens of thousands of pounds
• Lost luggage – We will cover the cost if your baggage is stolen or damaged, so you can replace your important items
• Cancellation and curtailment – Provides cover if you have to cancel your trip due to reasons beyond your control
• Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted

What’s not covered?

• Undeclared medical conditions – We need to know your full medical history to give you the best cover possible in a medical emergency
• Missed flights within your control – Unfortunately, we can’t cover missed flights due to personal errors
• Choosing not to travel – We know that sometimes plans change, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details
• High-risk activities – Our standard policy doesn’t cover these activities, but you can add Optional Extras to include some activities. However, our optional Winter Sports cover is only available up to the age of 65
• Accidents under the influence of drugs or alcohol – While we want you to enjoy your trip, safety comes first. If an accident occurs due to drugs or alcohol, we cannot cover your claim

Our different policy types can be found below. We have three different types to choose from, Gold, Gold Plus and Platinum. 

If you’d like some help choosing which is best for you, give us a call .

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for Over 80s with pre-existing medical conditions

We understand that finding travel insurance in your 80s can sometimes be difficult. This is typically because the risk of insuring older travellers is higher. Existing medical conditions are more common, and these can lead to a higher risk of travel-associated issues like infections and injury. 

However, as a specialist medical Travel Insurance provider for travellers 80 and over, we can help you find a policy tailored to your specific needs.

Here are some of the most common medical conditions we cover:

• Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation .
• Chronic illnesses – According to NCOA research, nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer , Crohn’s disease , IBS, gallstones and other long-lasting chronic conditions.
• Respiratory problems – Respiratory conditions include asthma , causing breathing difficulties, and COPD , leading to airflow obstruction and breathing difficulties.
• Neurological conditions – These are disorders affecting the brain and nervous system, like strokes , epilepsy and multiple sclerosis .
• Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes .
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis .
• Mental health – Including anxiety and depression.

Find the best over 80s Travel Insurance for your trip

We tailor policies to suit your travel needs. Whether you’re off to enjoy a cruise across the Caribbean or a staycation with your family in Cornwall, we’ll help you find a policy suited to your needs. 

Here are a few options to help you choose what you might need:

• UK Travel Insurance is ideal if you’re looking to enjoy the UK’s stunning holiday offerings. This type of policy covers you for things like cancelled accommodation and travel delays
• Cruise Travel Insurance keeps you protected from all medical emergencies and accidents onboard. It also covers you for cruise disruptions, cabin confinement and missed port departure
• Family Travel Insurance covers you, your friends and your family under a single policy. This means complete protection for everyone involved
• Worldwide Travel Insurance is what you need to protect you for all the essentials, wherever you travel
• Annual Travel Insurance is popular among older travellers. If you’re planning on more than one trip within 12 months, Annual Travel Insurance can be a cost-effective option
• We also offer optional extras for additional cover on your trip. For example, our Gadget Cover insures your electronic devices and our Golf Insurance protects your golf equipment and more.

How our Travel Insurance for Over 80s works: A simple 3 step quote process

Before you set off on your travels, you’ll need to complete our quick and simple 3-step screening process.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Our experts say…

“Travel insurance is a must-have for anyone who wants to explore the world, but especially for over 80s. You can cover yourself for unexpected medical expenses, trip cancellation, lost luggage, and more. Travel Insurance can also give you peace of mind and confidence to enjoy your trip without worrying about what might go wrong. You never know when you might need it, so it’s better to be safe than sorry. Travel insurance for over 80s is affordable and easy to arrange.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

We have over 20 years of experience as specialists covering older travellers, and we’re confident we can find a policy that suits you. 

Hear from those who have already discovered and travelled with AllClear.

What our Customers Say

Excellent and reassuring service.

“As I will be 80 later this year, the travel insurance I have with my bank will no longer apply. So, I needed to secure another comprehensive policy for a future cruise. I had been recommended AllClear by fellow cruisers; who in their own words have significant medical conditions. I have now arranged an AllClear policy and would like to place on record that the service I received from Liz was absolutely first class. She explained everything and updated a previous quote which I had obtained on-line. She was patient and gave me all the time I needed.

This gave me the confidence that I was dealing with a quality organisation. I had previously been concerned that it would be difficult and expensive to obtain insurance at my age and with my medical history. I am fit but have had past operations and treatments; and still need eye treatment. I need not have worried. AllClear is geared up to welcome the ‘mature’ traveller. I highly recommend this company.” – Simon

Frequently asked questions on over 80s Travel Insurance

Why does travel insurance cost more when you turn 80.

Unfortunately, the cost of Travel Insurance usually increases with age. This is because older people are more likely to need emergency medical treatment on holiday. Over 80s are also at a higher risk of infection or injury when travelling. 

So, premiums increase to cover the higher risk.

Does Travel Insurance have upper age limits?

We do not have an upper age limit for Travel Insurance. The only exception is for Winter Sports, which is up to age 65.

What does Travel Insurance for Over 80s cover?

Over 80s Travel Insurance covers everything included in our standard Travel Insurance policy, with no upper age limit. This includes everything from specialist emergency medical cover for seniors, as well medical aids, medication and repatriation cover.

It also includes standard things like trip cancellation, travel delays, baggage loss and personality liability protection.

When should you buy Over 80s Travel Insurance?

As with any policy, you can get your over 80 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. However, it’s beneficial to buy your Travel Insurance as soon as you book your trip.

You can buy Single Trip Travel Insurance up to 12 months before your trip. The cover begins immediately after purchase if you have chosen a policy that includes cancellation cover.

You can buy Annual Travel Insurance up to 60 days before your chosen start date. Cover will only begin on the chosen start date of your policy.

Do you need Over 80s Travel Insurance if you have a GHIC card?

Yes, Over 80s Travel Insurance is essential, even if you have a GHIC or (previously EHIC) card. 

While a GHIC card does provide cover for medical emergency expenses, it will not cover transport to the hospital. 

Additionally, a GHIC card will not cover you for travel delays, cancellations or lost luggage.

What factors will affect the cost of over 80s Travel Insurance?

Age and medical conditions are two of the important factors we take into account when determining your premium. 

Other factors include the destination, duration of the trip, level of cover, and any pre-existing medical conditions you have declared.

Can someone else join your Travel Insurance policy if they're under 80?

Yes, you can travel in a group of all ages, whether that’s friends or family. This can be done through our Group Travel Insurance policy during your quote process.

Get the most out of your trips with our helpful guides

Where are you visiting?

Prepare yourself for your best trip yet with our helpful travel guides for the following locations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip

• United Kingdom
• Cruise Travel Insurance
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 1 May 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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Travel Insurance for seniors

A little older, a little wiser.

Travelling in your 60s and beyond is a great way to enjoy your retirement

If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking new experiences.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance for over 60s

As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re on holiday.

But it provides cover for a wide range of scenarios, including:

• Your belongings being lost, damaged or stolen
• Needing legal assistance while you’re away
• Travel delay

Choose from three levels of cover

Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes cover for:

• Loss of medication
• To bring you home following emergency medical treatment

It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’t covered.

Travel insurance for over 60s with pre existing conditions

You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.

Pre-existing conditions  include:

• Heart disease

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for a  GHIC  (Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medical expenses.

Some countries, such as New Zealand, Australia and the Falkland Islands, also have  reciprocal health care agreements  with the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover the costs.

To find out the true costs of getting ill abroad, check out our interactive globe where you can  explore the cost of medical treatment  in the most popular travel destinations for UK holidaymakers.

Cruise travel insurance for over 65s

A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.

Adding the  Cruise upgrade  means your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without the add-on.

As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medical officer.

Cover for sports and leisure activities

It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.

These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years for cover.

If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check your  policy book  or  contact us  to clarify what you will and won’t be covered for.

Your questions answered

Is travel insurance more expensive for older people.

Not necessarily. The cost of policies is dependent on a range of factors including the location, duration and nature of your trip.

Most travellers in their 60s find there's little to no difference in the cost of cover, but there may be restrictions as to what's included in the cover.

However, travel insurance for over 70s can cost a bit more. This is because a person over 70 requires more advanced medical cover due to the increased probability of health issues while travelling.

Is there a maximum age for Admiral Travel Insurance?

The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

Can you get winter sports insurance for over 70s?

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Getting the most out of your trip, going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

Travel Insurance with COVID Cover

All Medibank Travel Insurance Plans have some COVID-19 cover included as standard.

Plus, Medibank and ahm health members save 15%.

What is travel insurance with covid cover?

A travel insurance policy with COVID-19 benefits includes cover for certain unforeseen COVID-19-related scenarios and can help reduce the financial risk of travelling. Depending on the level of cover you choose, benefits can include such things as COVID-19 overseas medical expenses, trip amendments & cancellation costs, and additional expenses.

COVID-19 policy benefits are for both international and domestic plans, but it's important to understand that not all COVID-19 scenarios will be covered. Continue reading to learn more about what you are - and aren't covered for when it comes to travel insurance with covid cover.

What COVID-19 benefits do we offer?

When taking out travel insurance with Medibank, cover will be provided for some common scenarios related to COVID-19. This means there's no need to "add covid cover" when purchasing Medibank Travel Insurance because every policy will come with some level of inbuilt covid cover.

Which benefits are included and the cover amount will depend on the travel insurance plan you select. Benefits may include: 

Cover for COVID-19 overseas medical costs ¹

Cover for covid-19 cancellation and amendments ², cover for additional covid-19 expenses ³.

Limits, sub-limits, conditions, and exclusions apply to COVID-19 travel insurance benefits. Please read our  Product Disclosure Statement (PDS)  for full details.

COVID-19 travel insurance options

All Medibank Travel Insurance Plans contain some inbuilt COVID-19 Cover. The information below helps you understand some of the high level inclusions at a glance.

International Comprehensive Travel Insurance

• $Unlimited  COVID-19 overseas medical costs 1
• Up to $10,000  for COVID-19 trip cancellations and amendments 2
• $Unlimited  additional expenses if diagnosed with COVID-19 on trip and admitted to a hospital 3
• Up to $5,000  additional expenses if diagnosed with COVID-19 and unfit to travel 3

International Medical Only Travel Insurance

• $Unlimited  COVID-19 overseas medical costs 1
• No cover provided for COVID-19 trip cancellation and amendments
• $Unlimited  additional expenses if diagnosed with COVID-19 on trip and admitted to hospital 3

Domestic Travel Insurance

• No cover provided for any COVID-19 medical costs
• Up to $5,000  for COVID-19 trip cancellations and amendments 2
• Up to $10,000  additional expenses if diagnosed with COVID-19 on trip and admitted to hospital 3
• Up to $5,000  additional expenses if diagnosed with COVID-19 and unfit to travel 3

Limits, sub-limits, conditions, and exclusions apply to COVID-19 travel insurance benefits. Please read our Product Disclosure Statement (PDS) for full details.

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.

Travel insurance with COVID-19 cover: what is included?

COVID-19 benefits are available on our International Comprehensive and Medical Only , and Domestic travel insurance plans. Covid benefits apply to both Single Trip and Annual Multi-Trip policies. 

What is covered depends on the type of policy you purchase. COVID-19 benefits may include:

Pre-trip cancellation:², cover for your on-trip cancellation and amendment costs:², additional expenses:³, cancellation due to a relative or business partner having life-threatening covid-19:², $unlimited overseas medical costs:¹, cover for essential health care workers:.

What is not covered:  

• Cancellation and Amendment cover is not available if you purchase an International Medical Only Plan.
• Medical and Hospital Expense cover is not available on a Domestic Plan.   

Medibank Travel Insurance is proud to offer COVID-19 benefits, but unfortunately, we can’t cover every scenario that may arise as a result of COVID-19.

For example, we will not pay any claims arising from or caused by COVID-19 if: 

• Your destination is subject to a ‘Do not travel’ advice on the Smartraveller website at the time you enter the country or part of the country. (This ‘Do not travel’ exclusion does not apply if your destination is Australia or New Zealand).
• Your claim is related to you having travelled on a multi-night ocean or sea cruise and you have not purchased the additional Cruise Cover for your policy. (Note: Cabin confinement cover is not available even if Cruise Cover has been added). 
• Your costs are related to a government directed border closure.
• Your costs are due to mandatory quarantine or isolation orders required to cross a border, such as a border between states, countries, or regions. 

It is important to read the  Product Disclosure Statement  before you consider purchasing a travel insurance policy. Please take note of limits to cover. For full details on our covid travel insurance benefits, please read the  PDS  here.

FAQs: Before you travel

Remember to check the PDS  for full details. For more information, contact 13 23 31 .

Is COVID-19 cover an additional add on?

No, our COVID-19 benefits are in-built into every Medibank Travel Insurance policy. This means you do not need to add additional COVID-19 benefits cover when purchasing a policy. 

However, don't forget that if you are travelling on a multi-night ocean or sea cruise then you will need to make sure you have purchased  Cruise Cover  to be eligible to make any claims that are in any way related to cruise travel (this includes COVID-19 related cruise claims). 

Not every policy has the same level of covid cover, so it's important to carefully read the  PDS  to understand any limits, sub-limits, conditions and exclusions that apply to COVID-19 benefits. 

Will the COVID-19 benefit cover me if I’m diagnosed with COVID-19 and need to cancel my trip?

If you’re diagnosed with COVID-19 by a qualified medical practitioner and they confirm that you are unfit to travel, you may be able to claim the non-refundable cancellation costs. 

Cover details: 

• Domestic Plan: Cancellation and amendment benefit limit $5,000.
• International Comprehensive Plan: Cancellation and amendment benefit limit $10,000.
• International Medical Plan: No cover for cancellation and amendment costs.

Cover conditions:

• Subject to evidence of your positive COVID-19 diagnosis as diagnosed by a qualified medical practitioner who certifies you are not fit to travel. 
• There is no cover if symptoms or diagnosis occurred prior to buying your policy.
• Pre-booked sea and ocean cruises are included provided you added  Cruise Cover  to your policy.

Will the COVID-19 benefit cover me if I am deemed to have had close contact with someone with COVID-19 and need to cancel my trip?

Unfortunately, no cover is provided if you are deemed to be a close contact and must isolate and can therefore no longer go on your trip. 

Will the COVID-19 benefit cover me if I want to cancel as the government issued a ‘do not travel advice’ to my destination after I booked?

Unfortunately, no. If you booked your trip to a destination deemed safe to travel by the Australian Government and purchased Medibank Travel insurance, but prior to travelling that destination is now under a ‘Do not travel’ warning on smartraveller.gov.au , you may need to cancel your trip due to the risks of travel. There is no cancellation cover when cancelling your trip due to COVID-19 related travel warnings, regardless of the warning level.

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country. However, for trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.
• This cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a qualified medical practitioner).
• No costs or expenses are covered if a quarantine or isolation order is placed on you by a government or public health authority.

Can I buy travel insurance if I am not vaccinated?

Yes, there are no limitations on getting an insurance policy with Medibank due to vaccination status.

FAQs: During your trip

Remember to check the  PDS  for full details. For more information, contact 13 23 31 .

Who should I contact if I get COVID-19 while overseas?

If you suspect you have COVID-19 you should call the Medibank 24/7 emergency assistance line. They'll be able to give you advice on what you need to do in order to make a claim against your policy. This can include how and where find a qualified medical practitioner to confirm a COVID-19 diagnosis. 

Learn more about our 24/7 emergency assistance .

Will Medibank Travel Insurance COVID-19 benefit cover me if I am diagnosed with COVID-19 while travelling and need to extend my stay?

If you get sick on your journey and need to extend your stay because a qualified medical practitioner certifies that you're unfit to travel as a result of COVID-19, then you'll be able to claim up to $5,000 of additional accommodation and transport expenses. 

If you are hospitalised as a result of COVID-19 then $10,000 of additional expense cover applies to Domestic Plans and $Unlimited additional expense cover applies to International Comprehensive and Medical Only Plans to help cover the cost of additional accomodation and transport as a result of extending your stay.

Please note, there is no cover for this event if your COVID-19 diagnosis requires you to enter a period of cabin confinement while on board the cruise ship, even if your policy includes Cruise Cover.

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the  smartraveller.gov.au  website at the time you entered the country or part of the country. However, for trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.
• Other expenses you may incur (such as food, drinks, groceries, laundry etc.) are not included.

Terms conditions and exclusions apply, for full details, make sure you check out the  PDS .

Will Medibank Travel Insurance COVID-19 benefits cover me if I’m diagnosed with COVID-19 while travelling and need medical treatment?

Yes, on the International Comprehensive and International Medical Only plans, cover is available if you’re diagnosed with COVID-19 by a qualified medical practitioner and require medical treatment overseas.

Non-cruise travel: Yes, cover is available.

Cruise travel:  Yes, cover is available for overseas emergency medical expenses and ship-to-shore expenses if Cruise Cover is added to your policy.

There is no cover for medical expenses on the Domestic plan.

• Cover applies for this event if the country or part of the country you travelled to was not subject to “Do not travel” advice on the smartraveller.gov.au website at the time you entered the country or part of the country. 
• For trips in Australia or New Zealand, the Smartraveller “Do not travel” condition will be waived.
• Cover is subject to evidence of your positive COVID-19 diagnosis (confirmed by a qualified medical practitioner).

Do I need medical proof of my COVID-19 positive test result?

Yes, you will need a qualified medical practitioner to diagnose you with COVID-19 and certify that you are unfit for travel. A positive test result will not be sufficient proof to make a claim. 

Ready to book?

Great, use our handy tool for a quick and easy online quote or give us a call on 132 331 to chat through your options.

Things you should know

1  Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval. 

2  Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International Comprehensive and Domestic policies. See the  Combined FSG/PDS  for more information.

3  Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the  Combined FSG/PDS  for more information.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and  Target Market Determinations , visit  medibank.com.au/travel-insurance/help/

Request a call back

Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

COVID-19 Health Assist - Expression of interest

Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.

What program are you interested in?

Sorry, only members with current Hospital cover are eligible to participate in these programs

Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here . Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331 .

Your membership details

Please provide your details so we can know how to contact you.

Your contact details

By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/

Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.

Understanding What Travel Insurance Covers

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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