orient health travel insurance

Travel Insurance Plans

Your session is about to expire , do you want to stay signed in..

Travel Insurance

It is almost impossible to overstate the importance of taking out a suitable insurance policy when travelling abroad. Although some credit cards do provide some cover, they are certainly not comprehensive and you could end up with some very expensive bills, especially medical bills if you require treatment while you are abroad. No matter how confident you are that you will be travelling come what may, illness (including that of a close relative) may force you to cancel or postpone your trip, incurring cancellation or amendment fees which could be covered by a travel insurance policy. In the light of growing importance of the travel industry, travel insurance is increasingly becoming more crucial. Hence, Orient’s effective travel &health insurance policies are tailor-made to attend to customer’s needs in today highly vibrant and demanding world. Through rigorous ties with local and international insurance companies, orient aims to provide economical, comprehensive, and effective insurance policies and coverage.

Our Services

Business Travel

Holidays Packages

Leisure Packages

Religious Package

Hotel Accommodation

Luxury Transportation

Meetings & Conferences

Get Insurance in 60 Seconds

Health insurance, travel insurance, motor insurance.

Orient Health Insurance

Get the Best Insurance Plan that fits for your Need

Get a Quote for Health Insurance

About orient health insurance dubai.

Started in 1982. Orient Insurance Company is one of the leading players in the UAE insurance market. It is part of the renowned Al-Futtaim group with a strong financial base and a distinguished track record. Orient Insurance has a paid-up capital of about AED 500 million, the highest among insurance companies in the UAE. The company has its head office in Dubai, with branches in Abu Dhabi, Sharjah, Jebel Ali, Al Ain, Ras Al Khaimah, Oman, and Bahrain. Orient Health Insurance has the largest team of qualified insurance executives in the region. A wide range of health insurance plans protects individuals and their family members from skyrocketing medical expenses. These plans provide global coverage to policyholders at competitive prices.

Orient Medical Insurance Plans in the UAE

Some of the major Orient Health Insurance Plans and their details are provided below:

This is an individual health plan that covers employees or domestic workers with a gross monthly salary of up to AED 4,000. The plan is fully compliant with the mandatory health insurance requirements applicable to Dubai visa holders.

This policy covers the non-working dependents and parents of employed individuals. It complies with the mandatory health insurance requirements for Dubai visa holders.

This medical insurance plan is designed for investors in the UAE.

Orient Medical Insurance has a standard health plan for visa holders in the Northern Emirates region (Ajman, Fujairah, Ras Al-Khaimah, Sharjah, and Umm al-Quwain). It covers employees with a monthly salary of up to AED 15,000, along with their spouses and children.

Family Care Plan

A fixed sum assured covers more than one family member for a single annual premium. This plan provides protection for two or more family members in the event of hospitalisation or if any disease is diagnosed.

Health Plus

This plan offers international coverage to all family members for a single annual premium. It is administered by Nextcare. All the residents of the UAE are eligible for this plan.

What is Covered Under Orient Medical Insurance?

Hospital accommodation

Hospital services – Surgery, anaesthesia, pharmacy, laboratory, radiology, and theatre.

Network – Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services).

Pre-existing medical conditions covered after a waiting period of 6 months at the time of first membership.

Outpatient services – 20% co insurance payable by the insured

Geographical coverage – UAE and native country.

Annual medical limit – AED 150,000

Preventive Services, vaccines, and immunizations.

Maternity Benefits – Covered after a six-month waiting period from the date of the first membership.

Pharmacy – AED 1,500 per annum (including co-insurance of 30%)

Annual Medical Limit – AED 150,000

Geographical Coverage – UAE and Home Country.

Outpatient services – 20% co-insurance payable by the insured

Preventive Services, Vaccines, and Immunisations.

Neonatal cover.

Outpatient Antenatal Cover.

Pharmacy – AED 1,500 per annum (including co-insurance of 30%).

Annual medical coverage – AED 75,000 (sub-limits apply).

Geographical coverage – UAE excluding Abu Dhabi.

Non-emergency treatment geographical coverage – Direct billing within the network; reimbursement covered outside the network for up to 75% of the network rates after reducing the original co-payments.

Emergency Treatment outside the network within the UAE till the patient is stable – covered for emergency medical treatments on a reimbursement basis at a 100% network tariff.

Pre-existing and chronic medical conditions.

Inpatient healthcare services – Accommodation, transportation, tests, diagnosis, surgeries, treatments, and physiotherapy sessions.

Outpatient healthcare services – Radiology, X-ray, MRI, CT scans, and endoscopies.

Maternity services

Essential vaccines and immunizations.

Diagnostic and treatment for dental & gum ailments.

5 - Family Care Plan

Annual limit – Any of the following options – AED 1,000,000, AED 750,000, AED 500,000, AED 250,000, and AED 150,000.

Territorial coverage (outside the UAE) – Coverage outside the UAE is limited to up to 90 days per treatment.

Geographical coverage – Worldwide.

Applicable network – Gold/Silver, Premium/Silver, Classic/Emerald/Pearl/Silk Road/Green

Inpatient Benefits – Hospitalisation, intensive care unit, charges of consultants, surgeons, and anesthetists, ambulance services, room accommodation, physiotherapy, chemotherapy, radiation therapy, coronary artery disease treatment, and more.

Outpatient Benefits – Physician consultation, physiotherapy, diagnostics and lab tests, medication, outpatient surgery, day care treatment, work-related injuries, emergency dental treatment for accidental damages to the natural teeth.

Essential vaccines and immunisation.

Maternity Benefits – Both inpatient and outpatient coverage, including pre and post-natal treatments, natural birth, medically necessary C-section, complications, medically essential and legal terminations.

Alternative medicines – Osteopathy, Chiropractic, Acupuncture, Homeopathy, Ayurveda, and Herbal Treatment.

Dental benefit

Emergency treatment

Elective treatment

6 - Health Plus

Annual aggregate medical limit – AED 1,000,000

Medical Network – Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic – Al Zahra Hospital – Suleiman al Habib Group of providers/Nextcare RN/Nextcare RN2/Nextcare RN3 (Outpatient limited to the clinics only).

Room accommodation – Private/ Semi-private.

Home nursing post after inpatient treatment (covered under – Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic – Al Zahra Hospital – Suleiman al Habib Group of providers/Nextcare RN).

Emergency ambulance service.

Prescribed drugs and medication.

Pre-existing and medical conditions.

Essential vaccinations.

Physiotherapy

Psychiatric treatment.

Organ transplant

Second medical opinion (covered only under – Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic – Al Zahra Hospital – Suleiman al Habib Group of providers).

Maternity services – Both inpatient and outpatient services are covered.

Neonatal care cover

Alternative medicines – Chiropractic, Homeopathy, Osteopathy, and Ayurveda.

What is Not Covered Under Orient Medical Insurance?

Medical services that are not deemed to be necessary.

Expenses related to dental treatment, dental prostheses, and orthodontic treatment.

Cosmetic healthcare services and treatment for obesity.

Healthcare services that are not performed by authorised service providers.

Healthcare for the sake of travelling.

Custodial care that includes (i) non-medical treatments and (ii) healthcare services that do not improve a patient’s medical condition.

Treatments and services arising as a result of professional sports activities.

Health services and expenses related to organ & tissue transplants.

Mental health diseases, unless it’s a case of medical emergency.

Any inpatient treatment that can be treated on an outpatient basis without adversely affecting the patient’s health.

Healthcare services for smoking cessation programs and treatment for nicotine addiction.

How to Buy Orient Health Insurance Online?

Visit the official website of Prominent Insurance Brokers. Enter your details in the online get quote form .

Once you provide all the required details in this form, click on the ‘Submit’ button.

One of our executives will soon get in touch with you. You will be guided by our team to buy an Orient Medical insurance plan in the UAE. You can make the payment online.

You can also click on the WhatsApp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.

Frequently Asked Questions on Orient Health Insurance

Yes. DMed is a plan offered by Orient Health Insurance that is specifically designed for non-working dependents of employees working in the UAE.

Pre-existing diseases and other chronic conditions are not covered by Orient Health Insurance UAE for the first six months. They are covered after this period.

Yes. Inpatient treatment typically requires prior approval from the insurance company. Cases of medical emergencies have to be notified to the insurer within 24 hours from the time of admission.

Disclaimer:

Orient Health Insurance plans may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision.

Hello. How can we help you?

MEDICAL MALPRACTICE

Travel insurance تأمين السفر, life insurance.

OrientCare Plus - Critical Illness Plan covering 37 illnesses

Loan Trust :- Loan Trust Decreasing Term plan that offers you the protection you require. It covers you from the financial risks that you may face during the contract duration, thus ensuring you and your family peace of mind and security. This plan pays the sum assured on the diminishing balance, in case of an unfortunate event of death.

Orient offers “Easy Journey” Outbound & Inbound Travel Insurance policies: Outbound Travel for Omani residents and Inbound Travel for visitors entering Oman. Key Benefits: Emergency Medical Expenses, Medical Evacuation & Repatriation of Mortal Remains Baggage Delay & Loss of Personal Belongings Flight Delay & Flight Overbooking Trip Cancellation & Curtailment.

تعرض شركة أورينت وثائق تأمين السفر "الرحلة السهلة" سواء للمغادرين أو للقادمين للبلاد: التأمين على السفر بالنسبة للمغادرين العمانيين إلى الخارج بينما تأمين الرحلات إلى داخل عمان يكون بالنسبة للزوار القادمين الذين يزورون السلطنة. المزايا الرئيسية: المصاريف الطبية الطارئة الإخلاء الطبي وإعادة الجثمان إلى الوطن وتأخر الحقائب وفقدان المتعلقات الشخصية وتأخر رحلات السفر والحجز الزائد على متن الرحلة إلغاء الرحلة أو وقفها

Medical Malpractice Insurance is a claims made policy which provides coverage against legal liability which may arise to pay as damages for any bodily injury, mental injury, illness, disease or death of any patient caused by any negligent act, error or omission committed by the Insured in or about the conduct of the Insured's profession for claims made during the period of insurance.

CONTRACTOR'S ALL RISK

Contractor's plant & machinery.

CONTRACTORS' ALL RISK (CAR) INSURANCE POLICY offers coverage for any unforeseen and sudden physical loss or damage to the construction property and third party injury claims arising in direct connection with the construction items and happening in the immediate vicinity of the site.

CONTRACTOR'S PLANT AND MACHINERY (CPM) INSURANCE POLICY offers coverage for unforeseen and sudden physical loss of or damage to the movable plant, equipment and machinery within the geographical limits stated under the policy

HOME INSURANCE

Workmen’s compensation, motor insurance, health insurance.

Home insurance provides you with a flexible and comprehensive cover that protects your home against all possible contingencies.

Workmen’s Compensation policy provides cover against the legal liability of Employer’s under U.A.E. Labour law for injuries sustained by their workmen at work. Cover may be extended to the G.C.C countries. Policy may also be extended to cover employer’s liability under Common Law. Annual policies as well as policies for the whole period of contract works are available.

A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road.

EMed is an individual medical insurance that covers Employees/ Domestic workers earning gross monthly salary up to AED 4000/- . This product complies with the mandatory medical insurance requirements applicable for Dubai Visa holders.

DMed is an individual medical insurance that covers non-working dependents / parents . This product complies with the mandatory medical insurance requirements applicable for Dubai Visa holders.

IMed is an individual medical insurance that covers investors.This product complies with the mandatory medical insurance requirements applicable for Dubai visa holders.

NEMed is a standard package for individual medical insurance that covers Northern Emirates Visa holders (Ajman, Fujairah, Ras Al-Khaimah, Sharjah and Umm al-Quwain). This plan covers the basic medical needs for our clients in Dubai and Northern Emirates Area. Employees (with monthly salary up to AED 15,000, spouse (male and female) and children are eligible for this plan.

NEMed Enhanced is a comprehensive package for members having Northern Emirates Visa Holders (Ajman, Fujairah, Ras Al-Khaimah, Sharjah and Umm al-Quwain) The increased medical limit and sublimates will ensure that more of the member’s medical needs are attended to. Employees (with monthly salary up to AED 15,000, spouse (male and female) and children are eligible for this plan.

A family health plan is a type of health insurance, which covers more than one member of a family for a fixed sum assured in exchange for a single annual premium. Such a policy provides assured coverage to two or more members of a family at the same time in case they get hospitalized or an ailment is diagnosed.

A Life insurance that pays out a sum of money either on the death of the insured person or after a set period.

Embryo Care Insurance

Orient EmbryoCare will pay up to AED 250,000 to help cover the cost of looking after a child with a covered condition. How you spend the money is up to you.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

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 a similar note...

Travel Insurance - with Covid cover

If i have to quarantine after covid infection, will i be paid, if i have to cancel my trip due to covid-19 infection whilst i am overseas, will i be able to claim, what is the maximum number of days covered under travel policy which includes covid cover, what should i do if i'm positive with covid-19 whilst i am overseas.

• Immediately contact must be made with the assistance company.
• All claims exceeding USD 250 must be notified to specialty assistance services, and you should obtain a reference number from the assistance company when you notify a claim. In case of hospitalization, please keep all your medical reports/ bills/ invoices/ receipts safely.
• Fill in the claim form and send all documents to our Corporate Office to reimburse OPD expenses.
• In case if you are hospitalized, follow the guidelines as informed by the assistance company.

Do I have to do a PCR test before I go abroad?

How much do you pay for covid claims, do you pay compensations if there is a fatality due to covid-19, can i obtain an annual travel cover with covid, is the covid-19 cover provided with a separate sum insured.

Orient Insurance

• Personal Liability Coverage
• Travel Assistance Services
• Trip Delay Coverage

Get a Quote

Start your comparison.

• Insurance Guides
• Compare Car insurance
• Compare Health insurance
• Compare Home insurance
• Compare Life insurance

Contact Details

• [email protected]
• Al Hebiah Fourth, Park-A2 - Emirates Sports Hotel, Sports City - Dubai

Copyright 2023 All Rights Reserved by allinsurance

• All Rights Reserved
• Terms of Service.
• Privacy Policy.

Taking care of you and your team

International health insurance for employees in dubai.

UAE plans are offered through our partnerships with Orient Insurance and NextCare.

Plans for Dubai

• Tailored plans
• Member support

We secure your future  

Together with our partner, Orient Insurance, we’ve designed the Summit international health insurance plans for Dubai especially for small to mid-sized businesses (covering 3 to 100 employees), to provide affordable global healthcare solutions, compliant with the Dubai Health Authority requirements.

• If you are looking to cover less than 3 employees, dummy let us call you .
• If you are looking  to cover for  over 100 employees, dummy contact us to discuss tailored medical insurance.
• For other Emirates, please visit our international healthcare plans for Abu Dhabi or the Northern Emirates .

Digital or in-person support available around the clock

Emotional wellbeing.

Support for mental and emotional wellbeing with apps and services such as   Expat assistance programme, Digital check -up and Wysa mind coaching app  

dummy CHECK IT OUT

Digital  for convenience

online access  to insurance documents, benefits and wellness tools and services to help employees manage their health

FIND OUT MORE

Global telehealth services

Employees can talk to an experienced medical team 24/7 via phone, tablet or computer  

dummy LOGIN TO MYHEALTH

24/7 Helpline

available to support your employees

Summit international health insurance plans for Dubai

Build your healthcare plan .

Our core plan options include a comprehensive selection of in-patient benefits, day-care and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve the quality of life of your expat team.

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as dental, optical, and repatriation cover.

Provides multi-country cover so employees can use their cover in any country included within the area of cover. It is a good idea to select an area where your employees normally travel to or are based for work purposes. Terms and conditions and regulatory restrictions apply.

• Comprehensive Network: includes all medical providers in our UAE network. 
• Comprehensive Network excl. CCAD: includes all medical providers in our UAE network with exclusion of Cleveland Clinic Abu Dhabi. 
• Standard Network includes all medical providers in our UAE network with exclusion of Cleveland Clinic Abu Dhabi, out-patient treatment at American Hospital, and hospitals in the Mediclinic Group. 
• RN Enhanced Network: includes a list of selected providers that cover the full spectrum of medical services throughout the UAE.

Explore our range of Summit health insurance plans for Dubai

Swipe to view more

Dubai Summit 5000

Dubai summit 4000.

• In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases
• Covered only if you’ve received in-patient treatment for three or more consecutive days/nights for the same medical condition

Shared benefit limit for:

• Pre-hospitalisation tests
• Video consultation services
• Medical practitioner fees
• Prescribed drugs and dressings
• Specialist fees
• Diagnostic tests
• Emergency out-patient treatment
• PET scans and CT-PET scans

Co-payments apply to all treatments received on an out-patient basis, with the exception of:

• Video consultation services (when accessed via TeleHealth Hub)
• Psychiatry and psychotherapy (out-patient treatment)
• Vaccinations
• Health and wellbeing checks
• Cancer screening

A separate co-payment may apply to dental, optical and maternity benefits (where included).

Optional plans:

• Limits refer to dental treatment, dental surgery, periodontics and dental prostheses. 6 months waiting period applies.
• Orthodontic treatment is also included (separate benefit limit applies).  
• Dubai Summit 5000 also includes dental implants (separate benefit limit applies)

Overall Maximum Policy Limit US$5,000,000

Benefit Guide PDF

We offer a choice of medical networks you can select depending on your requirements  

Comprehensive Network

Comprehensive Network excl. CCAD

Standard Network 

RN Enhanced Network

Looking for a tailored plan, a solution that works, flexibility, worldwide expertise, cost savings, local teams, get in touch with our team  .

Cheryl Beattie

Mohamad Hamadeh

International insurance with Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team   who will be happy to provide you with a quote based on your requirements.

Already a member?

External Content cannot be shown without accepting cookies

Check out our top-rated MyHealth app

Welcome To Orient Insurance!

• Call Us For Inquiry : +19258
• Email : [email protected]

Orient Takaful Insurance Egypt is an affiliate company of the UAE based Orient Insurance PJSC which is the market leader in UAE and operating in 7 countries and 100% owned by Al Futtaim business group.Orient Takaful Insurance Egypt is an Egyptian shareholding company subject to the provisions of Law No. 10 of 1981 and its amendments and has a license No. (30) from the General Authority for Financial Control.Orient Egypt is one of the top 5 players in the non - life market out of 25 companies.We have started our operation in Egypt in 2009 and are writing all lines of non-life business Including medical.The highest rated insurer in Egypt, Africa, and the Middle East by the global rating agencies:

Additional Links

Contact info.

• Address Building No. 2, The Podium, Cairo Festival City - Fifth Settlement, New Cairo City, Cairo, Egypt
• Email [email protected]
• Phone 19258

Connect With Us

Highest rated insurer in egypt & africa at your service.

Protection thorugh one of the best insurance companies

Insurance Always Ready to Protect your Business

Types of insurance.

Get Insurance For Almost Anything You Need

• Individual Insurance
• Corporate Insurance

The Highest Rated

We are the highest rated insurer “a+” from A.M. Best And “A” from S&P in Egypt and Africa.

Innovative Solutions

Orient Takaful Insurance Company is committed to providing an outstanding and innovative insurance service

Major Market Player

Major market player in writing mega projects and complex risks

Our Top Management

Omer Elamin

Mohamed mostafa, sahar mohsen.

Policies Issued

Have you any question? Ask Us anything, we’d love to answer!

Copyright © 2024 Orient

Understanding What Travel Insurance Covers

Find a Qualified Financial Advisor

Finding a qualified financial advisor doesn't have to be hard. Datalign's free tool matches you with financial advisors in your area in as little as 3 minutes. All firms have been vetted by Datalign and all advisors are registered with the SEC. Get started with achieving your financial goals!

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.

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.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• 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.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

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.

• Main content

• ALL MOSCOW TOURS
• Getting Russian Visa
• Top 10 Reasons To Go
• Things To Do In Moscow
• Sheremetyevo Airport
• Domodedovo Airport
• Vnukovo Airport
• Airports Transfer
• Layover in Moscow
• Best Moscow Hotels
• Best Moscow Hostels
• Art in Moscow
• Moscow Theatres
• Moscow Parks
• Free Attractions
• Walking Routes
• Sports in Moscow
• Shopping in Moscow
• The Moscow Metro
• Moscow Public Transport
• Taxi in Moscow
• Driving in Moscow
• Moscow Maps & Traffic
• Facts about Moscow – City Factsheet
• Expat Communities
• Groceries in Moscow
• Healthcare in Moscow
• Blogs about Moscow
• Flat Rentals

Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

Our Private Tours in Moscow

Moscow metro & stalin skyscrapers private tour, moscow art & design private tour, soviet moscow historical & heritage private tour, gastronomic moscow private tour, «day two» moscow private tour, layover in moscow tailor-made private tour, whole day in moscow private tour, all-in-one moscow essential private tour, tour guide jobs →.

Every year we host more and more private tours in English, Russian and other languages for travelers from all over the world. They need best service, amazing stories and deep history knowledge. If you want to become our guide, please write us.

Contact Info

+7 495 166-72-69

[email protected]

119019 Moscow, Russia, Filippovskiy per. 7, 1

Mon - Sun 10.00 - 18.00

Healthcare in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English. 

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations. 

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address:  4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address:  26 Prospekt Mira, Building 6

European Medical Center

www.emcmos.ru Address:   5 Spiridon'yevskiy Pereulok, Building 1

Further reading

►For more on the Russian healthcare system see our Healthcare in Russia page.

Expat Interviews " The standard is high, but health insurance is essential − both international and local cover tend to be adequate and similar for routine things." Read more about Stephen, a British expat, and his  experience living in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

Expat Health Insurance

Cigna Global Health Insurance. Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider. Get a quote from Cigna Global - 20% off

Aetna Aetna International, offering comprehensive global medical coverage, has a network of 1.3 million medical providers worldwide. You will have the flexibility to choose from six areas of coverage, including worldwide, multiple levels of benefits to choose from, plus various optional benefits to meet your needs. Get your free no-obligation quotes now!

Moving Internationally?

International Movers. Get Quotes. Compare Prices. Sirelo has a network of more than 500 international removal companies that can move your furniture and possessions to your new home. By filling in a form, you’ll get up to 5 quotes from recommended movers. This service is free of charge and will help you select an international moving company that suits your needs and budget. Get your free no-obligation quotes from select removal companies now!

Free Moving Quotes ReloAdvisor is an independent online quote service for international moves. They work with hundreds of qualified international moving and relocation companies to match your individual requirements. Get up to 5 free quotes from moving companies that match your needs. Get your free no-obligation quotes now!

Personal Finance

Ethos life insurance review 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

According to an April 2023 insurance-industry survey , interest in life insurance is at an all-time high, with 39% of Americans saying they intend to buy coverage in the coming year. And there are some excellent reasons to have a policy. New parents can use life insurance as a financial safety net for their families. Seniors may seek coverage to cover end-of-life expenses or create an inheritance for children or grandchildren.

Whatever your reason for buying life insurance, you may have encountered Ethos Life Insurance . In this Ethos review, we’ll take a closer look at what this online insurance provider offers.

Ethos Life Insurance

Time’s take.

Ethos Life Insurance was born from its founders’ desire to make life insurance easier for regular people to understand and buy. It features a well-designed online platform, multiple options for policy types and coverage amounts, and no-medical-exam coverage. Ethos Life Insurance policies will meet most peoples’ needs. But if you’re looking for term life coverage beyond Ethos’ $2 million maximum, you’ll likely need to look elsewhere.

Who is Ethos for?

Ethos Life Insurance is designed for those who want a convenient application process, and the speed and non-invasiveness of no-medical-exam coverage.

Its term life insurance policies, with coverage amounts up to $2 million and terms ranging from 10 to 30 years, are ideal

for young families. Its whole life product, with coverage amounts up to $30,000, is targeted to seniors aged 66 to 85. Available estate-planning tools are free for customers to use, adding value to an Ethos Life Insurance policy.

Ethos Life Insurance appears to be sold primarily online, so buyers should be comfortable with handling their own insurance purchases.

Ethos overview

Ethos Life Insurance is essentially a digital insurance agency that sells term and whole life from multiple insurance carriers. It’s considered an “insuretech”: a company using cutting-edge technology to operate more efficiently and improve the customer experience. The company explains on its website that “Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the established insurance companies that have paid out billions of dollars in claims.”

What sets Ethos Life Insurance apart is its ease of use. It promises coverage in just five minutes through its online application process. Ethos also offers broad eligibility. Coverage is available for people aged 20 to 85, with policies as high as $2 million.

The company offers phone support at 415-915-0665 from 8:00 am to 6:00 pm CST and by email at [email protected]. Ethos has 4.7 out of a possible 5.0 stars on Trustpilot .

Ethos history

Ethos Life Insurance was established in 2016 and is based in Austin, Texas.

The company’s backers have ranged from well-known investors such as SoftBank and Goldman Sachs to celebrities such as Will Smith, and Robert Downey, Jr. Its current carrier partners include Legal and General America (AM Best A+ rating), TruStage (AM Best A rating), Ameritas (AM Best A rating), and Mutual of Omaha (AM Best A+ rating).

The company also sells through “thousands of independent insurance agents.” However, the website does not offer an agent finder, and we could not locate any Ethos Life Insurance agents with a web search.

Ethos policy details

Ethos Life Insurance sells two types of life insurance: term life and whole life. Both offer online applications and no medical exam. The company claims that it can approve your application within minutes.

Ethos term life insurance

Ethos Life Insurance \\\[term life insurance](https://time.com/personal-finance/article/term-vs-whole-life-insurance/) is offered in terms of 10, 15, 20, and 30 years, and coverage amounts start at $20,000. Those up to age 50 can apply for up to $2 million in coverage, while those over 50 can apply for up to $500,000.

Applicants can choose a simplified issue policy, in which the company makes its underwriting decisions based on information gathered from the application and third-party data. The company also offers a fully underwritten term life policy for those who are in good health and want a higher death benefit. This implies that the simplified issue policy has a lower maximum death benefit, but the company does not clarify that maximum. Ethos Life Insurance does note that a fully underwritten policy tends to have a lower premium than a simplified issue policy.

Ethos whole life insurance

Ethos Life Insurance offers \\\[whole life insurance](https://time.com/personal-finance/article/what-is-whole-life-insurance/) ranging from $1,000 to $30,000. The company claims guaranteed approval for those aged 66 to 85, regardless of health history. As a form of \\\[permanent life insurance](https://time.com/personal-finance/article/term-vs-permanent-life-insurance/), an Ethos whole life policy remains in effect until the policyholder’s death, provided they make their premium payments on time.

Ethos estate-planning tools

Ethos Life Insurance also offers online wills and estate-planning tools. These are free with the purchase of a life insurance policy, but are also for sale to non-policyholders.

Ethos pros and cons

• Term and whole life options
• Term life coverage up to $2 million
• No-medical-exam policies available
• Free estate planning tools for policyholders
• Younger people interested in whole life will probably not have needs met by Ethos
• $2 million coverage maximum may not be high enough for some families

Ethos Life Insurance publishes the following \\\[average monthly life insurance rates](https://www.ethoslife.com/life/life-insurance-rates-by-age/) on its website for a 10-year, $1 million term-life policy.

The company notes that rates may vary by carrier, underwriting class, date of policy issuance, and other factors.

How does Ethos compare to other brands?

Ethos Life Insurance seems to sit in an insurance niche with companies such as Fabric by Gerber Life . These companies also sell policies underwritten by established insurers and directly to consumers online.

Here’s how those three companies compare:

(1) Rating for underwriting company, Mutual of Omaha (2)Rating for underwriting company, Western and Southern Life

Policy types

Ethos Life Insurance offers both term and whole life insurance. While its whole life policy is targeted to seniors, it’s more than what is offered by Fabric and Haven, who only sell term life.

Coverage levels

The maximum coverage amount for an Ethos Life Insurance term life policy is $2 million, which will be enough to satisfy the needs of many policyholders. However, Fabric and Haven Life offer policies with higher limits.

Financial strength

Ethos Life Insurance ’ underwriting companies carry AM Best ratings of A and A+. Other companies in this review have ratings of A+ and above. The ratings indicate a company’s relative financial strength and ability to pay claims.

Customer satisfaction

Ethos Life Insurance has 4.7 stars on Trustpilot’s 5.0-point scale. It’s a favorable rating and comparable to that of its competitors.

Ethos Life Insurance notes that it offers riders on some of its policies, but does not specify which policies or what those riders entail. Fabric and Haven Life both offer an accelerated death benefit rider.

Methodology

We evaluate life insurance providers based on types of coverage and available coverage amounts, how to buy, financial strength, and customer satisfaction. Our objective is to provide a high-level overview of Ethos Life Insurance to help readers make a more informed insurance buying decision.

The Ethos Life Insurance website was our primary source for information about the company, including coverage details and pricing. AM Best ratings were retrieved directly from the AM Best website. Competitor information came from those companies’ websites. We referenced Trustpilot to evaluate companies’ customer satisfaction.

Bottom line

Ethos Life Insurance may meet your needs for life insurance. However, those looking for term life coverage more than $2 million, or permanent life insurance over $30,000 will need to look elsewhere. What sets Ethos apart is its ease of use. Ethos was founded by entrepreneurs looking to make it easier to understand and buy. It delivers with a state-of-the-art web interface and a fast online application process.

Frequently asked questions (FAQs

How do i buy life insurance from ethos.

To buy life insurance from Ethos Life Insurance , visit the company’s website . You can apply online, and you may get approved within minutes.

How do I file a claim with Ethos?

Ethos Life Insurance does not appear to offer detailed claim information on its website. It does note that beneficiaries can file a claim with their insurance carrier ( Ethos Life Insurance offers policies from multiple carriers) after a policyholder’s death.

Who owns Ethos Life insurance?

Ethos Life Insurance was founded in 2016 by Peter Colis and Lingke Wang. The two have continued to serve as the company’s CEO and president, respectively. Ethos’s financial backers have included Sequoia, Accel, Goldman Sachs, and celebrities such as Will Smith and Robert Downey, Jr.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

• Today's news
• Reviews and deals
• Climate change
• 2024 election
• Fall allergies
• Health news
• Mental health
• Sexual health
• Family health
• So mini ways
• Unapologetically
• Buying guides

Entertainment

• How to Watch
• My watchlist
• Stock market
• Biden economy
• Personal finance
• Stocks: most active
• Stocks: gainers
• Stocks: losers
• Trending tickers
• World indices
• US Treasury bonds
• Top mutual funds
• Highest open interest
• Highest implied volatility
• Currency converter
• Basic materials
• Communication services
• Consumer cyclical
• Consumer defensive
• Financial services
• Industrials
• Real estate
• Mutual funds
• Credit cards
• Balance transfer cards
• Cash back cards
• Rewards cards
• Travel cards
• Online checking
• High-yield savings
• Money market
• Home equity loan
• Personal loans
• Student loans
• Options pit
• Fantasy football
• Pro Pick 'Em
• College Pick 'Em
• Fantasy baseball
• Fantasy hockey
• Fantasy basketball
• Download the app
• Daily fantasy
• Scores and schedules
• GameChannel
• World Baseball Classic
• Premier League
• CONCACAF League
• Champions League
• Motorsports
• Horse racing
• Newsletters

New on Yahoo

• Privacy Dashboard

Stormy Daniels returns to witness stand in Trump's hush money trial

Moscow court rejects appeal to move to house arrest a deputy defense minister facing bribery charges.

• Oops! Something went wrong. Please try again later. More content below

TALLINN, Estonia (AP) — A Moscow court rejected Wednesday an appeal filed by a Russian deputy defense minister's lawyers who sought to have him moved from prison to house arrest as he faces bribery charges.

Timur Ivanov , who was in charge of military construction projects, was arrested on April 23 and charged with accepting bribes on a large scale. After the hearing in Moscow City Court, Russian news agencies quoted his attorney Murad Musayev as saying the case involved allegations of about 1 billion rubles ($11 million) and that Ivanov has been suspended from duty.

Two other men have been arrested in the case.

It is rare for such a high-ranking official to be charged with a crime in Russia and it is unclear what sparked the decision to arrest him.

The team of late Russian opposition leader Alexei Navalny conducted anti-corruption investigations and accused Ivanov, an ally of Defense Minister Sergei Shoigu, of living a lavish lifestyle.

Ivanov, 48, was sanctioned by both the United States and European Union in 2022 after Russia’s full-scale invasion of Ukraine .

Russian media reported that Ivanov oversaw some of the construction in Mariupol, a Ukrainian port city that was devastated by bombardment and occupied by Russian forces early in the war.

Zvezda, the official TV channel of the Russian military, reported in summer 2022 that the ministry was building an entire residential block in Mariupol and showed Ivanov inspecting construction sites and newly erected buildings.

Few other high-level officials have been prosecuted in Russia.

In April 2023, former Deputy Culture Minister Olga Yarilova was arrested and charged with embezzling more than 200 million rubles ($2.2 million). Yarilova, who held her post from 2018 to 2022, is on trial and facing a possible seven-year jail term.

Former Economics Minister Alexei Ulyukayev received an eight-year prison sentence in 2017 for accepting a $2 million bribe from one of Putin’s top associates. The high-profile trial was widely seen as part of infighting between Kremlin clans. Ulyukayev, now 68, was granted early release from prison in May 2022.

Recommended Stories

Apple's airpods max are $100 off and close to a record low.

Apple's AirPods Max are $100 off, taking the price down to $450. That's just $20 more than the lowest price we've seen to date.

Utah Jazz 2024 NBA offseason preview: Time for the franchise to decide on a direction

Utah’s decision to lean into youth this season was puzzling and makes this summer all the more intriguing as to what the next step in the team's plan is.

Memphis Grizzlies 2024 NBA offseason preview: Fresh hope for the immediate future

Help has already arrived for Memphis, which should join an even more competitive Western Conference next season.

Fairgen 'boosts' survey results using synthetic data and AI-generated responses

This is where Fairgen wants to help. The Israeli startup today launches a platform that uses "statistical AI" to generate synthetic data that it says is as good as the real thing. The company is also announcing a fresh $5.5 million fundraise from Maverick Ventures Israel, The Creator Fund, Tal Ventures, Ignia, and a handful of angel investors, taking its total cash raised since inception to $8 million.

Tesla punctuates layoffs with apparent hiring freeze

Tesla appears to have followed up its recent layoffs with a company-wide hiring freeze. Only three positions remain open out of more than 3,000.

Retell AI lets companies build 'voice agents' to answer phone calls

Call centers are embracing automation. According to research firm TechSci Research, the global market for contact center AI could grow to nearly $3 billion in 2028, from $2.4 billion in 2022. Meanwhile, a recent survey found that around half of contact centers plan to adopt some form of AI in the next year.

An insulin pump software bug has injured over 200 people

The US Food and Drug Administration (FDA) has issued a Class I recall for the t:connect mobile app on iOS, which is used to monitor and control the t:slim X2 insulin pump used by people with diabetes.

How's the Miami Grand Prix faring after three F1 races?

We went to the 2024 Miami GP to see how the race was getting on now that it's established in Formula 1.

Yahoo Fantasy staff's Mock Draft 1.0: Shocking picks are plentiful

Teams have made their big splashes in free agency and made their draft picks, it's time for you to do the same. It's fantasy football mock draft time. Some call this time of year best ball season, others know it's an opportunity to get a leg up on your competition for when you have to draft in August. The staff at Yahoo Fantasy did their first mock draft of the 2024 season to help you with the latter. Matt Harmon and Andy Behrens are here to break it all down by each round and crush some staff members in the process.

Ice, Outlaws, Yeti among 20 options fans can vote on to name Utah's NHL team

The NHL's Board of Governors approved the $1.2 billion sale of the Arizona Coyotes to Ryan Smith in April.

At over $140 off, this speedy Tineco wet-dry cordless vacuum is below its Black Friday price

'Literally a lifesaver, a back-saver, a time-saver,' says one convert.

RFK Jr. says doctors found a dead worm in his brain. Here's how it happens and why it's rare in the U.S.

Health experts explain neurocysticerosis, which is likely what the presidential candidate experienced.

VA funding fee exemption: How it works and who qualifies

Certain active-duty service members, veterans, and surviving spouses qualify for a VA funding fee exemption on their VA home loans. Find out if you’re exempt.

Joselu, the unlikeliest Real Madrid hero, stuns Bayern and lifts the Champions League kings to another final

A year ago, Joselu was a 33-year-old journeyman on a path to anonymity. Now, after two late goals in the Champions League semifinals, he's a Real Madrid hero.

Pirates calling up top pitching prospect Paul Skenes

Skenes, the No. 1 pick in the 2023 MLB Draft, began this season in Triple-A.

Encrypted services Apple, Proton and Wire helped Spanish police identify activist

As part of an investigation into people involved in the pro-independence movement in Catalonia, the Spanish police obtained information from the encrypted services Wire and Proton, which helped the authorities identify a pseudonymous activist, according to court documents obtained by TechCrunch. Earlier this year, the Spanish police Guardia Civil sent legal requests through Swiss police to Wire and Proton, which are both based in Switzerland.

Thunder dominate, Celtics cruise & concerns about Luka & Brunson | Good Word with Goodwill

Vincent Goodwill and Tom Haberstroh talk about the Thunder and Celtics taking game 1 of their series and discuss issues with NBA officiating.

Marvel’s making an ‘interactive story’ based on the What If...? show for Apple Vision Pro

Marvel and Industrial Light & Magic have teamed up to make a mixed-reality interactive story for the Apple Vision Pro. This content will be based on the show What If…?

Stock market today: Dow extends winning streak to 6 days

While techs have mainly delivered on high earnings expectations, the focus is now on whether other sectors can match up.

OpenAI offers a peek behind the curtain of its AI's secret instructions

OpenAI is offering a limited look at the reasoning behind its own models' rules of engagement, whether it's sticking to brand guidelines or declining to make NSFW content. Large language models (LLMs) don't have any naturally occurring limits on what they can or will say.