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Travel insurance for washington state residents.

Traveling is a fun and exciting experience, but it can also come with risks. Whether it’s lost luggage, flight cancellations, or medical emergencies, unexpected events can ruin your trip and leave you with hefty bills. That’s why travel insurance is essential for Washington state residents who plan to travel within the country or abroad.

What is Travel Insurance?

Travel insurance is a type of insurance that provides coverage for various expenses related to travel. It can include trip cancellation or interruption, medical expenses, emergency evacuation, baggage loss or delay, and more. Travel insurance can be purchased by individual travelers or groups, and the coverage can vary depending on the policy and provider.

Why is Travel Insurance Important?

Travel insurance is important because it can protect you from unexpected events that can ruin your trip and cost you a lot of money. For example, if you have to cancel your trip due to an unforeseen event, such as a family emergency or illness, travel insurance can cover the cost of your non-refundable expenses. If you become ill or injured while traveling, travel insurance can cover the cost of medical expenses, emergency evacuation, and other related costs. Additionally, travel insurance can provide peace of mind knowing that you are protected in case of an emergency.

What Types of Travel Insurance are Available?

There are several types of travel insurance available for Washington state residents, including:

• Trip cancellation or interruption insurance: This type of insurance can provide coverage for non-refundable travel expenses if you have to cancel or interrupt your trip due to unforeseen events.
• Medical expense insurance: This type of insurance can cover the cost of medical expenses if you become ill or injured while traveling.
• Emergency evacuation insurance: This type of insurance can cover the cost of emergency evacuation and transportation to a medical facility if you become seriously ill or injured while traveling.
• Baggage loss or delay insurance: This type of insurance can cover the cost of lost, stolen, or delayed baggage.
• Accidental death and dismemberment insurance: This type of insurance can provide coverage for accidental death or dismemberment while traveling.

How to Choose the Right Travel Insurance?

Choosing the right travel insurance can be overwhelming, but it’s important to consider your needs and budget when selecting a policy. Here are some factors to consider:

• Coverage: Make sure the policy provides coverage for the risks you are most concerned about, such as medical expenses, trip cancellation or interruption, or emergency evacuation.
• Deductibles: Consider the deductible amount and how it will affect the cost of the policy and your out-of-pocket expenses.
• Policy limits: Check the policy limits to ensure they are sufficient to cover your potential expenses.
• Pre-existing conditions: If you have pre-existing medical conditions, make sure the policy includes coverage for those conditions.
• Provider ratings: Research the insurance provider’s ratings and reviews to ensure they are reputable and reliable.

Where to Buy Travel Insurance?

Travel insurance can be purchased from various sources, including:

• Insurance providers: Many insurance companies offer travel insurance policies.
• Travel agencies: Travel agencies may offer travel insurance as part of their travel packages.
• Online travel insurance brokers: Online brokers can help you compare policies from multiple providers to find the best coverage and price.

Travel insurance is an essential investment for Washington state residents who plan to travel domestically or internationally. It can protect you from unexpected events and provide peace of mind knowing that you are covered in case of an emergency. When selecting a policy, consider your needs and budget, and research the provider’s ratings and reviews to ensure you get the best coverage and price.

Travel Insurance Agency - Washington State

It's time to plan your next adventure. but before you go, make sure you're covered by sea mountain insurance., superior coverage.

Travel insurance is about peace of mind. With Sea Mountain, you don't have to worry about the expenses that come with an unexpected accident or illness while traveling. We offer up to $2 million in coverage for eligible medical expenses and $500,000 for trip cancellation and interruption expenses.

We can cover it all

Sea Mountain Insurance provides comprehensive travel insurance across the US and Canada, so there's no need to worry if your trip takes you outside these territories.

Preferred rates for your peace of mind

Insured by the trusted company, Sea Mountain Insurance offers competitive rates. Don't risk your adventure on a costly gamble, call today.

We Can Help

At Sea Mountain Insurance, we're not your typical insurance agency. We're an independent insurance agency representing some of the top property & casualty companies in the country. We're able to offer our clients a broad range of products that provide them with the assurance that they need to protect their assets, their family's future, and their livelihood. Contact us about Travel Insurance or for a free review and quote for Travel Insurance.

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Travel Insurance Washington, Trip insurance in Washington state

Travel insurance quote form, do you want to insure trip cost as well as the health of the traveler, please click here to buy travel insurance for quarantine coverage, travel insurance with trip protection coverage - highlights, trip cancellation.

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Travel medical insurance with no trip protection - Highlights

Health care expenses.

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Repat of remains

Return of moral remains to home country or local burial.

Annual travel insurance (Multi trip insurance)

Annual travel insurance (multi trip insurance) for travel within usa, travel insure - voyager annual insurance.

• Take an unlimited number of Covered Trips during the 364 day Policy period
• Covers domestic and international trips - up to 90 days each
• Offers two plan levels namely Silver and Gold offer options for different needs and budgets
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
• The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation

Annual travel insurance for travel outside USA - Annual travel insurance for US Business travelers

Importance of american traveler insurance.

Traveling long distances has many unexpected and accidental incidents that need to be taken care in a professional manner in order to have an enjoyable experience. US travel Insurance very important while traveling which takes care of medical expenses due to sudden sickness or injury. In the US healthcare is closely linked to insurance coverage. US travel insurance providers have preferred provider networks and the hospital billing is much lower for insured patients when compared to uninsured patients. Having the best US traveler insurance reduces hospital bill along with paying for the outrageous cost of healthcare in the US.

US travel insurance plans can also insure trip expenses along with insuring the health of the traveler. Trip cancellation Insurance cover trip cancellation, trip interruption, travel delay, loss of luggage, baggage delay... Cancel for any reason travel insurance is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason. These benefits are very useful for traveler who are not sure of their travel schedules so that they should do not need to lose their travel investment if they do not travel.

Factors to consider

While buying Travel Insurance

While buying Travel Medical Insurance

American traveler insurance including trip cancellation coverage

US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance , medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

• Non refundable cost of the trip.
• Unexpected medical expenses of the traveler.
• Loss or damage to the insured’s possessions.

IMG Trip insurance

The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite , Travel SE and Travel LX . These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.

Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.

Safe Travels Trip protection insurance

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are

• Safe Travels Voyager insurance
• Safe Travels Protect insurance
• Safe Travels First Class Trip Protection

Safe Travels Explorer Plus

• Safe Travels Journey insurance
• Safe travels Explorer insurance
• SafeTravels Armor insurance
• Safe Travels Defend insurance
• Safe Travels Single Trip Protection

The Safe Travels First Class Trip Protection , Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the ' Cancel for any Reason ' which is available as a rider at an additional cost.

The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.

Trip Protector Preferred insurance

• Available for US citizens and residents traveling outside the United States
• Includes $2000 in travel delay benefits for Covid quarantine/lodging.
• Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
• Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation

Seven Corners Trip Protection Insurance Plans

The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice . There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.

Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.

There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.

Travel Insurance Services Trip Protection Insurance Plans

Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services,offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.

Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.

Trip cancellation insurance

Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.

Cancel for any reason(CFAR)

Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.

Rental car collision

Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.

US citizen annual travel insurance

US citizens and resident who are business people and working professionals travel overseas quite often and it is good to have international travel insurance.

Information about US mobile passport control and TSA pre check for US passport holders.

US expatriate insurance

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

Travel insurance vs Travel medical insurance plans...

Best trip cancellation insurance, itravelinsured travel se insurance.

• Trip Cancellation: Up to $100,000 of the trip cost
• US Residents on domestic and worldwide trips
• Travel SE Covid Quarantine Benefit: Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.

iTravelInsured Travel LX Insurance

• Trip Cancellation: Up to $100,000 of Trip Cost
• Travel LX Covid Quarantine Benefit: Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.

iTravelInsured Travel Lite Insurance

• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit: Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage. US Residents on domestic and worldwide trips.

Travel Sport Insurance

• Trip Cancellation: 100% of insured trip cost per person
• US Residents on domestic and worldwide trips.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay which is $5,000/$250 per person per day and is included in the basic coverage.

Vacation Rental Insurance

• Coverage for airline reissue or cancellation fee reimbursement.
• Maximum Trip Length is 31 days.

Safe Travels Voyager Insurance

• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• Quarantine coverage
• Provides a minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid

Safe Travels Single Trip Insurance

• Trip Cancellation: Trip Cost: Up to a Maximum of $30,000.
• Maximum Trip Length 90 Days

Safe Travels First Class Insurance

• Trip cancellation: 100% of Trip Cost Up to a maximum of $50,000. ($30,000 age 81+)
• US residents traveling within the United States and abroad
• Cancel for Any Reason available in most states

Safe Travels Armor Insurance

• Trip Cancellation: Trip Cost: Up to a Maximum of $15K.

Safe Travels Protect Insurance

• Trip cancellation: 100% of Trip Cost Up to a maximum of $14K.

Safe Travels Explorer Insurance

• It covers Trip Cancellation coverage from $150 to $10,000.
• Provides a minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid
• Offers coverage of $50,000 for emergency medical expenses
• Offers comprehensive trip cancellation coverage

Trip Protector Preferred Insurance

• Available for US citizens and US residents whose home country is US and must be travelling outside USA

Travel Insurance Select Plan Insurance

• Trip Cancellation: Basic - $15,000 Max
• Trip Cancellation: Plus - $100,000 Max
• Trip Cancellation: Elite - $100,000 Max

Trip Care Complete Insurance

• Trip Cancellation: Basic - $10K Max
• Trip Cancellation: Plus - $25K Max
• Trip Cancellation: Elite - $30K Max

Trip Protection Basic

• Trip Cancellation: 100% of trip cost up to $30,000
• Provides coverage for U.S residents and U.S citizens who wish to travel within the U.S or travel overseas /internationally

Trip Protection Elite

• Provides coverage for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally.

Trip Protection Economy

• Trip Cancellation: 100% of trip cost up to $20,000

Trip Protection Choice

• Trip Cancellation: 100% of trip cost up to $100,000
• Provides coverage for U.S residents and U.S citizens who wish to travel within the U.S or travel overseas /internationally.

Safe Travels Defend Insurance

Safe travels rental plus.

• Trip cancellation: 100% of Trip Cost Up to a maximum of $10K.

Safe Travels Flex

• Trip cancellation: 100% of Trip Cost Up to a maximum of $25K.

Living Passages Trip Protection

Select international tours, trip cancellation insurance faq's.

Trip Insurance is cover in a travel insurance that provides protection towards travel and trip related events. It provides coverage for travel delays, trip cancellation, trip interruption, missed flight, loss or damage of baggage and lost passport. Under trip insurance travelers can choose trip cancellation, trip interruption cover for covered reasons. Travelers can include an extra rider in the travel insurance policy or cancel for any reason. Cancel for any reason coverage allows the traveler to cancel the planned trip for reasons that may not be covered otherwise.

No, trip cancellation is a part of trip insurance cover that needs to be included while purchasing International travel insurance.

There are some very advantageous credit cards out there to help travelers, particularly with money exchange fees when making purchases abroad. However, you should look over your benefits carefully. Certainly travel items charged to the card may be covered and refundable, but what if you get sick at your destination? What if your luggage is lost? What if you need to quarantine or get delayed in one leg of your trip? A trip cancellation plan can put your mind at ease. They are specifically designed to help in all aspects of travel from interruptions that may come up (an emergency back home), unintended trip delays (testing positive for COVID, missing a flight or having a flight cancelled), helping you get your minor children home if you can't, and medical expenses should you become sick or hospitalized. There are plans to help you get your pet home safely and insure your expensive golf clubs or sports equipment get with you to your destination! You have invested so much into your trip planning, you may as well have full peace of mind that your investment is protected and you are taken care of by experts who have dealt with the most unlikely of scenarios!

Note that iTravel SE has kids under 10 "free" with a paying adult. This can make a family trip very economical while making sure all members are covered just in case! The iTravel LX is a great option if you are concerned about including cancel for any reason coverage.

That depends. Did you look over their policy carefully? The cruise policy may be focussed on getting your money back for what you paid for the cruise. What about your plane tickets to get you to the initial port and home from the last port? What if your luggage is lost on the way? What if you get sick or hurt during your cruise? Be sure that you have health insurance that is good while you are away from home. Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.

Yes, changes can be made to the trip insurance policy after you have brought the policy.

Travelers can change information like travel dates, destinations, trip costs, travelers personal information, mailing address corrections, etc.

No, trip insurance should be brought 24 hours before the trip departure date.

Travelers can justified in asking if it is worth buying trip cancellation plans. Given the cost of a trip which is often an annual vacation, or sometimes a once in a lifetime travel experience, trips especially if it involves traveling overseas can be quite expensive. A planned vacation can involve expensive airline tickets, hotel reservations and cruise bookings, much of these done well in advance of the actual vacation. Given the hectic nature of our work and lifestyles, one cannot be absolutely certain that none of our planned travel plans will not need last minute changes.

A serious medical situation of an immediate family member or even work related pressures can force a change in travel plans. It is here that Trip protection or trip cancellation insurance can make all the difference. Even if the trip starts on schedule, there can be unplanned adverse situations such as lost baggage, delay in flights resulting in missed hotel or cruise bookings or even a medical ailment during the trip. Again, in these situations trip insurance can be invaluable. There are different types of trip insurance plans available, some which cover cancellation for clearly defined specific reasons, some others which provide trip protection insurance for cancellation for any reason.

At American Visitor Insurance, we work with different insurance providers who specialize in Trip insurance. Compare trip insurance plans of different providers to find the best trip cancellation insurance for your specific needs.

The cost of trip or cancellation insurance depends on the ages of the travelers and how much you want to insure your trip for. Remember that you will only receive the non-reimbursable portion of your trip deposit or trip costs. Two people in their thirties traveling for less than 30 days with a trip cost of $500 each can get a policy from $40 to $100 depending on the details of the coverage they desire. The more expensive plans will include coverage for "cancel for any reason."

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

There is no denying that best travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credit card. One completing the purchase the travel insurance plan is emailed to the customer.

Trip Cancellation insurance reimburses the traveler for pre-paid, non-refundable expenses if one cancels the trip before the start of the journey. ... Covered reasons to cancel your trip include – injunry, sickness, death of an immediate family member or of a traveling companion, hurricane damages in your travel destination or cancellation of the airline flight.

The Cancel for Any Reason (CFAR) add-on option is available on several trip cancellation insurance plans. This is a great option which gives the travelers flexibility to cancel their trip for any reason which is otherwise not covered in the basic trip cancelation insurance plan. However they have to cancel the trip more than 48 hours before the scheduled departure date.

We often get queries from travelers asking to buy a travel insurance plans that only offers trip cancellation coverage. Most travel insurance plans are comprehensive which include coverage for health of the traveler, trip interruptions and cancellations, trip delays and luggage loss or delay. If a traveler’s primary concern is that of their trip being cancelled then it is logical to buy the cheapest trip cancellation plan which has this coverage.

There are two general categories of travel insurance. There are trip cancellation policies (we will consider travel insurance from a credit card in this category) and travel medical insurance. MOST trip cancellation policies also cover medical expenses while on your trip. However, some cheaper plans and many offered through credit cards, do NOT. I recently checked my own credit card coverage and the coverage is limited to what I purchased using my card (so flights, hotel reservations only). If I get sick, that insurance alone will not cover me. This is getting to be more of an issue as our own domestic US policies often do not cover us well outside of our home state.

The other type of policy is a travel medical policy. This does NOT cover trip cancellation; however, if you are not able to go on your trip, you can simply cancel your policy before it begins for a full refund of the policy. If you purchase a comprehensive policy, you will also get many travel benefits like you do with the trip cancellation policies, such as: lost baggage, trip interruption, and accidental death benefits.

They may not be as high as with a trip cancellation plan, but they give some peace of mind and they allow you to choose more specifically the amount and type of medical coverage you need while you are traveling. Some policies offer coverage for acute onset of pre-existing medical conditions, for example. All policies offer some coverage of emergency medical evacuation and repatriation. So, the answer to the question is Yes and No. Be sure you have a travel insurance plan that will cover what is important to you while on your trip.

Cancel for any reason Faq's

The cancel for any reason (CFAR) insures the traveler for any non-refundable trip expenses or pre-paid trip deposits should the traveler cancel his trip for any reason that is not covered by the regular trip cancellation coverage. This benefit is separate and additional to the trip cancellation coverage.

The ‘Cancel for any reason’ coverage is considered as the fall back cover for travellers who worry they may have to cancel their trip for any unforeseen reason not covered by trip cancellation coverage and want to recover at least part of their planned travel expenses.

The traveller has to ensure that they are eligible to buy the Cancel for any reason (CFAR) coverage. For this the traveller has to buy the CFAR within a clearly defined number of days after the initial trip deposit (usually 21 days).

Travelers can then compare available CFAR plans and insure for the full trip cost. To ensure eligibility for this coverage, the cancellation of the trip has to be done in time within the policy eligibility guidelines which is usually 48 hours before the start of the trip.

The ‘Cancel for any reason’ coverage may be either included within the trip cancellation insurance plan or it may be an additional add on option that can be purchased for an additional amount.

• The CFAR coverage requires the traveller to purchase CFAR insurance within a certain number of days of making your initial trip deposit.
• The trip cancellation must occur within a defined number of days before the scheduled trip departure.
• The traveller must insure 100% of all pre-paid travel arrangements that have cancellation penalty.
• Some CFAR plans have a maximum limit of per-person trip cost.
• The CFAR coverage will pay only for the non-refunded amount. Any refund received by the travel vendor will be deducted from the CFAR refund.

Trip cancellation insurance is designed to protect your prepaid, nonrefundable trip expenses in case you need to cancel your travel plans due to unforeseen circumstances. If the concern is about a sudden requirement of cancellation then Cancel for Any Reason (CFAR) coverage is the good option to get coverage for the non-refundable trip expenses.

Best health insurance for visitors to USA, Best travel insurance for USA

Patriot america plus insurance.

• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Available for US citizens visiting USA

Atlas America Insurance

• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
• Covid Quarantine Benefit: Atlas America insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority.
• Quarantine must be due to you testing positive for Covid

Diplomat America Insurance

• Acute onset of pre-existing condition covered : 24 months waiting period.

Safe Travel USA Comprehensive Insurance

• Covers acute onset of pre-existing conditions up to policy maximum.
• It offers coverage for visitors up to 89 years.

INF Elite Insurance

• Best comprehensive plan that covers all pre-existing conditions up to 99 years.

Travel Medical Choice Insurance

• Covers treatment of acute onset of pre-existing conditions (up to 75 years)

GeoBlue Voyager Choice Insurance

• Maximum Accidental Death & Dismemberment Coverage: $50,000.
• Pre-existing Conditions Covered: No waiting period. US primary health plan required.

GeoBlue Voyager Essential Insurance

• Maximum Accidental Death & Dismemberment Coverage: $25,000.
• Pre-existing Conditions Covered: 180 Day Exclusion. No US primary health plan required.

GeoBlue Trekker Choice Insurance

• Maximum International Medical Coverage Limits: $250,000.
• Maximum Emergency Medical Evacuation Coverage: $500,000.

GeoBlue Trekker Essential Insurance

• Maximum International Medical Coverage Limits: $50,000.
• Maximum Emergency Medical Evacuation Coverage: $250,000.

Geoblue Xplorer Insurance

• Unlimited annual and lifetime maximum.
• Comprehensive coverage with primary worldwide benefits.
• Preventive Services have no waiting period.
• Pre-certification is not required for inpatient and outpatient services.
• Covers pre-existing conditions with proof of prior creditable insurance.
• Deductible is waived for office visits and a small copay is applied.
• Covers injuries or illness resulting from terrorist activities.
• Travelers up to the age 74 years are eligible.

Visitors Care Insurance

• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
• Plan can be renewed up to 2 year.
• This plan covers Acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum

Travel Medical USA Insurance

• Offers coverage for acute onset of pre-existing conditions up to 79 years.
• Renewable up to 364 days

VisitorSecure Insurance

• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.

Safe Travels Elite Insurance

• Covers acute onset of pre-existing conditions up to 89 years.

INF Premier Insurance

• Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.

Travel health insurance USA, Best health insurance for visitors to USA - FAQs

There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some best travel insurance for visitors to usa plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

We recommend that you buy visitor health insurance after you have booked your flight and/or set your dates for travel. You should start the plan the day you leave your home country until the day you return to your home country. Keep in mind the "time" of the policy starting and ending will be based on Eastern Standard Time (EST). However, it is not always possible wait until your dates are completely set. If you must buy the visitors health insurance before your dates are determined (say, because you are applying for a visa), you can make your purchase and then we can easily help you shift the dates of the trip.

For short term travel insurance you can also cancel the policy for a full refund before the start date of the plan (that is not the case with trip cancellation insurance). Sometimes it happens that you forget to make your purchase before you or your visitor leaves home. This is also generally not a problem. Many companies allow you to make a purchase while mid-trip. Of course, anything that has already occurred (injury or illness) cannot be covered unless you had the policy in place before it happened.

The cost of best health insurance for visitors to usa or best medical travel insurance plans for travel in USA will depend on (1) where you are traveling (traveling to the US is more expensive than traveling elsewhere), (2) travelers age (3) the length of the trip, (4) Fixed vs comprehensive visitor insurance . Within those parameters, you can choose an economical fixed plan or a more expensive, but complete comprehensive plan. The cheapest visitor health insurance usa is a fixed benefit plan because it only covers a set amount for each medical expense.

The downside is that you only know what the insurance company will pay on your behalf; you may owe a little or a lot -- it will all depend on how much, specifically, for each service, you are charged. Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to the US. That same person would only pay $30 for a comprehensive plan to go to Europe. The price is usually double for someone in their Sixties, and even more for older travelers.

Absolutely! This is generally when we recommend that you make your purchase. However, we can always change the dates on a policy if that is needed. Shifting dates will take about a business day to get your documents updated and back to you. If you want to get a trip cancellation policy, the best time to make your purchase is within 10 days or so from your first deposit for your trip. This gives you the best coverage for your trip (including pre-existing conditions, if that is an issue).

Yes, health insurance usa for foreigners is available, a foreigner can buy travel insurance while visiting USA. Given the high cost of healthcare in the US, it is very risky to travel to the US without the best health insurance for foreign visitors. International tourists can compare different travel insurance for foreign visitors online. Compare US health insurance plans for tourists online to buy the best medical insurance for foreign visitors to the US.

The claim can be filed by submitting the scanned copy of the hospital bill and receipts to the insurance company over the email along with the completed claim form. The customer gets the money reimbursed from the insurance company after they receive the bill. If the hospital provider and insurance company agree for the direct billing, then the doctor's provider can directly send the bill to the insurance company and they can pay the money directly to the doctor.

Tourist Insurance usa is available from the age of 14 days up to 90+ years of age. The important thing to remember is that the benefit of the plan changes and reduces dramatically after the age of 70 with most of the plans. Some of the plans will not cover the acute onset of pre-existing condition after the age of 70.

While it is not mandatory to buy visitor medical insurance for getting a US visitor visa, it is however a necessity given the high US healthcare costs. Even minor medical ailments are expensive and bigger medical conditions involving hospitalization without good visitors medical insurance usa can be financially catastrophic. Having visitors travel insurance for USA can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers can compare visitor international medical insurance and choose the best visitor visa insurance USA to have a safe sojourn in the US.

Visitor Insurance plans offered by reputed US insurance providers might seem similar on the surface, since most of the visitor medical insurance plans have similar benefits and the cost of coverage is also largely similar. However, the need of every traveler can be distinct and different visitor medical insurance plans have one or two different benefit coverages or perhaps even some restrictions. In order to choose the right visitor health insurance plan based on the visitors needs and to get the best coverage available, it is prudent to compare visitor medical insurance benefits.

Following are some of the features you need to consider while comparing visitor insurance: Type of visitor insurance (Fixed or Comprehensive): Fixed benefit insurance are much more affordable when compared to the Comprehensive plans but they offer limited coverage compared to the Comprehensive plans. Normally, it is recommended to choose Comprehensive visitors insurance but there are times when some people are looking for an cheaper option. Policy Maximum: This is the maximum coverage that any plan would offer which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: An initial amount the traveler needs to pay before the visitors insurance actually starts to pay. The deductible options can range anywhere from $50 up to $5000 based on the plan. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have a one time deductible and is cost effective.

Pre-existing condition coverage: This is very important benefit factor as many customers need this benefit. This benefit requirement mostly is required by people over the age of 60, however there may be exceptions where younger people may need this coverage too. Most comprehensive visitors insurance plans offer this coverage for people up to 70, some go up to 80 and a few provide for people above 80. Fixed benefit plans limit this coverage for travelers up to the age of 70 years. Very few plans do not have pre existing condition coverage at all.

Pre existing condition coverage is provided only for acute onset of a pre existing condition. There is only one company namely INF that offers plans providing full pre existing condition coverage .

Based on these visitors insurance factors , American Visitor Insurance provides an excellent compare visitor medical insurance facility where getting quote for the plans as per the travelers’ requirement is a lot easier and user friendly.

Washington - General Information

Washington, located in the Pacific Northwest region of the United States, is a state known for its diverse landscapes, vibrant cities of Seattle, Tacoma and Olympia, and outdoor recreational opportunities. Travelers to Washington should be aware of the state's varied climate. The western part of the state experiences a mild, wet climate, while the eastern part has a drier, semi-arid climate. US travel insurance is highly recommended while visiting Washington given that US healthcare is expensive, and international travelers need good travel health insurance in the US and this is true even for US travelers while traveling out of their home state and far away from home. It's important to have travel insurance coverage that includes medical emergencies, trip cancellation/interruption, and coverage for outdoor activities such as hiking and skiing. Travelers can compare the best US travel insurance plans online at American Visitor Insurance and buy it online with ease. Travel insurance provides peace of mind and ensures that travelers can fully enjoy their experience in this captivating state.

Around 7.61 million

The Evergreen State

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Washington State - The Evergreen State

Washington is at the North-Western tip of contiguous USA in the pacific Northwest region of the country. It has been nicknamed the evergreen state for its plentiful evergreen forests. While over half the state's population lives in Seattle, the state has plenty more to offer the nature loving tourist. The Olympic national park, the mount Rainier national park, the North Cascades national park are some of the notable natural attractions.

Seattle and nearby towns of Bellevue, Redmond and Kirkland have a cosmopolitan populace high technology companies like Boeing and Amazon and Microsoft attracting highly qualified professionals from all over the country and the world.

Popular tourist destinations in Washington

Tacoma Museum

The Museum of Glass features exquisite, translucent pieces, while the Bridge of Glass allows visitors to reach the nearby Washington State History Museum.

Mount Rainier

Mount Rainier is one of a geologically recent chain of volcanoes in the Cascade Mountains. Also known as Mount Tacoma, the volcanic massif is often shrouded in cloud for days on end.

Olympic National Park

Dozens of beaches, over-sized trees in the Hoh Rain Forest, lakes, the Sol Duc Hot Springs, waterfalls, and wildflowers at Hurricane Ridge.

North Cascades national park

Anglers, walkers, and nature lovers are all well catered for in the national park, providing a scenic route that is one of the best in the state.

Best Washington travel insurance

Healthcare has evolved as the most vital aspect in the present situation of Covid-19 pandemic where having an effective coverage for coronavirus is essential for all international travelers. At American Visitor Insurance, we aim to provide travelers with the most suitable Covid travel insurance plan to ease the financial risks of international travel with insurance comparison tool .

Based on the traveler’s requirement and with information of the traveler like travelers age, duration of travel, the maximum coverage required, deductible and the need of coverage our comparison function will show the available travel insurance plans. The search can be then tapered down to the most specific plans as per your requirements with the coverage for Covid illness which are competitive and affordable plans.

Visitors insurance with pre-existing conditions coverage for Washington

Most older travelers visiting Washington are likely to have some pre-existing medical conditions. It is important for older travelers to buy visitor insurance with the best coverage for pre-existing conditions. While many travel insurance plans do not cover any pre-existing conditions, some visitor medical insurance plans provide coverage for acute onset of pre-existing conditions.

To be defined as "acute" means that the condition is severe enough to life or lifestyle that it must be taken care of right away and cannot wait until returning to one’s home country. Senior citizens should understand these definitions well and buy the most appropriate visitor medical insurance covering pre-existing conditions for their needs.

Travel Insurance Washington, Travel insurance to Washington - FAQ's

01.  does washington travel insurance cover covid19 illness.

There are some USA Covid travel insurance plans available for travel to Washington that cover Covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online.

These US covid travel insurance plans are available for visitors from Washington to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

02.  Is travel insurance mandatory for Washington?

For It depends on the travelers and situations. The Trump administration has recently made a decision that affects some travelers and requires them to have health insurance while in the US.

At this time, there are no specific requirements on the travel insurance, so travelers can buy any of the plans we offer for whatever length of time is required. Other travelers, while not required to have travel insurance, should consider getting adequate coverage due to high costs of medical care in the US.

03.  Can I travel without travel insurance?

Yes, just like you can also walk across a tight rope without a net, but we wouldn’t recommend it! Make sure your own good travel insurance that will cover you should you get sick or injured while on your trip.

Who wants the worry of unexpected illness while on vacation? Also, if you have invested a lot on the outlay of your trip, you might consider trip protection coverage in case you get jury duty, get sick or injured before your trip, messed up flights or have some family emergency that will interfere with your plans.

04.  How much does visitor insurance cost?

The price of visitor medical insurance is very reasonable. It is based on the age of the insured, the length of time the coverage is required and, to a lesser degree, the maximum and deductible chosen for the plan.

Fixed benefit plans are more economical than comprehensive plans, but the coverage is also limited, so keep that in mind while choosing plans.

05.  I have a Covid-19 travel insurance. Am I covered for quarantine?

There are several travel insurance plans that offer coverage for Covid-19 quarantine related expenses, however the insured traveler need to add the quarantine benefit while purchasing the policy. Travelers can call the insurance providers for more details.

06.  Why do I need travel insurance for Washington?

Travel insurance provides coverage for unforeseen events and emergencies that may occur during your trip. In Washington, it can protect you financially against trip cancellations, medical emergencies, lost luggage, and other travel-related issues. US travel health insurance for Washington is important given the very high cost of healthcare in in the state.

07.  What does travel insurance typically cover in Washington?

The coverage can vary depending on the policy, but typical US travel insurance for Washington may include trip cancellation or interruption, medical expenses, emergency medical evacuation, baggage loss or delay, and travel delays.

08.  Does travel insurance cover pre-existing medical conditions in Washington?

Some travel insurance plans like INF travel insurance offer coverage for pre-existing medical conditions, while others may have limitations of coverage for acute onset of pre-existing conditions or exclusions for pre-existing conditions coverage. It is crucial to compare the different options on American Visitor Insurance and understand any restrictions related to pre-existing conditions.

09.  Can I purchase travel insurance after arriving in Washington?

Generally, travel medical insurance for Washington is designed to be purchased before your trip begins. It may be possible to purchase insurance after arriving in Washington, however it is advisable to buy it in advance to ensure you have coverage from the start of your trip, as sickness that you have will be considered a pre-existing ailment if you buy the travel insurance after becoming sick.

10.  How do I choose the right travel insurance for Washington?

When selecting travel health insurance for Washington, consider factors such as your specific needs, the duration of your trip, the coverage limits and exclusions, the reputation of the insurance provider, and the cost of the policy. Comparing multiple US travel insurance plans for Washington on American Visitor Insurance can help you make an informed decision.

11.  Can I cancel my travel insurance for Washington and get a refund?

The cancellation and refund policies for travel insurance vary depending on the insurance provider and the specific terms of the policy. Most policies offer a pro-rata refund within a specified timeframe. Contact your insurance provider to inquire about their cancellation policy.

12.  Is visitor insurance mandatory for entry into Washington?

Visitor insurance for Washington is not mandatory for entry into Washington or the United States. However, it is highly recommended to have Washington visitor insurance to protect yourself financially in case of unexpected medical expenses during your visit given the very high cost of healthcare in Washington.

Domestic travel insurance for your trip in the USA

Irrespective of whether you are traveling within the country or overseas, US citizens should have good travel insurance coverage. US citizens traveling within the USA can buy domestic travel insurance if they are traveling 100 miles from their primary residence. This travel insurance for domestic vacations is ideal whether within the state or as out of state travel health insurance.

Travel insurance has become extremely useful given the current pandemic and resultant disruptions in the travel industry. Delayed flights due to last minute cancellation of flights, hurricane or inclement weather causing delays in flights or missing flights due to crowded airports and delayed security checks, loss of baggage or baggage delays are common.

The financial loss due to these situations can be significant, especially if it involves an expensive planned vacation with airline tickets, hotel bookings or cruise booking. There are other situations beyond the control of traveler and the traveler is forced to change his or her travel plans. This can be due to the health of the traveler or that of an immediate family member or other work related conditions. These situations are also covered by Travel insurance with the cancel for any reason coverage benefit.

Along with disruption to travel plans, there is also the health of the traveler during the journey itself. An accident or an unanticipated health emergency while traveling will be covered by travel insurance even if one has regular health insurance. The best domestic travel insurance USA can be the secondary insurance and in some instances be the primary insurance and ensure that the travelers expenses is minimised.

How much does travel insurance for your trip in the USA cost?

Estimate cost table for the trip insurance within the usa, international medical group (img), travel lite, trawick international, safe travels voyager, safe travels explorer, safe travels journey, safe travels first class, safe travels single trip, hth worldwide, trip protector economy, trip protector preferred, trip protector classic, seven corners, factors that determine the cost of us travel insurance plans.

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Best travel medical insurance

Patriot america plus.

• Plan is suitable for Green Card holders as long as they reside outside the US.

Visitors Protect

• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.

Atlas America

• This plan is available for Non-US citizens traveling outside their home country

Diplomat America

• This plan is for Non Us citizens and Non US residents visiting the US.
• This plan have 24 months waiting period for pre-existing conditions.

Safe Travel USA Comprehensive

• Covers acute onset of pre-existing conditions up to policy maximum age up to 69 years.
• This plan is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
• This plan is available for green card holders.
• For ages 14 days to 89 years.
• Coverage for minimum 5 days to maximum up to 364 days.

Travel Medical Choice

• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• For the acute onset of pre-existing condition coverage with Cardiac Condition and/or Stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available.Other than Cardiac Condition and/or Stroke it covers for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available
• This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• There is a minimum purchase of 90 days required to buy this plan

INF Elite 90

• Covers 90% of eligible medical expenses.

INF Safe Traveler USA 90

• INF Safe Traveler USA 90 covers 90% of elgibile medical expenses

INF Safe Traveler USA

• INF Safe Traveler USA covers 80% of elgibile medical expenses

INF Elite Plus

• Covers Preventive & maintenance care and coverage for full body physicals.
• Comprehensive plan with full pre existing condition coverage up to 99 years which is unique.

Visitors Care

Travel medical usa, visitor secure, inf standard.

• This plan is available for for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• Minimum Enrolment should be 30 days.

Safe Travels Elite

• It offers coverage for acute onset of pre-existing conditions up to 89 years.
• Available for Non US citizens coming to the US and worldwide.

INF Premier

• Acute Onset treated like New Sickness
• This plan covers Full pre-existing conditions up to 99 years.

INF Premier Plus

• Covers preventive & maintenance care
• This plan covers Full pre-existing conditions up to 69 years.

Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico or Canada.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
• This plan is available to both Non-US citizens and US citizens traveling outside their home country.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 69 years).
• Available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.

Safe Travel USA

• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.

Safe Travel USA Cost Saver

• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date

Travel Medical Basic

• The policy maximum for this comprehensive insurance starts from $50K and provides up to $5M. For people above age 80 years, they get a policy maximum of $10K
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25K up to 65 years; $5K for 65 to 79 years.

INF Elite plan

• This plan offers full pre existing condition coverage.
• Elite plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $5K, or $10K for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.

INF Elite Plus plan

• Elite Plus plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years.
• Policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.

INF Elite 90 plan

• This plan covers 90% of eligible medical expenses.
• Elite 90 plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $5K, or $10K for age 0 to 69 years.
• Acute onset of pre-existing condition coverage for Worldwide including US with Cardiac Condition and/or Stroke - $50K up to 69 years; $5K for 70 to 79 years.Other than Cardiac Condition and/or Stroke - $75K up to 64 years; $7.5K for 65 to 79 years.
• For Worldwide excluding US - $50K up to 64 years; $10K for 65 to 79 years.
• This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
• It is an affordable plan for visitors visiting the US.

INF Premier plan

• This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
• Covers full pre-existing conditions up to 99 years.
• Safe Travels Elite Covid insurance covers coronavirus illness.
• This fixed plan Covers preventive & maintenance care.
• Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.

Senior Citizen travel insurance for above 60 years

• The best travel health insurance for 60 year old travelling to the US is Atlas America .
• With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 70.

Atlas Premium

• Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
• You can compare Atlas Travel insurance plans .
• This plan provides coverage up to $250,000 for 70 to 79 year old travelers.
• Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.

Travel Medical USA insurance

• The Travel Medical USA plans ( Travel Medical USA Visitor Basic , Travel Medical USA Visitor Choice ) cover acute onset of pre-existing conditions for people up to age 79.
• Travel Medical Choice Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
• The age availability is 14 days to 80+years.
• Covers acute onset of pre existing conditions up to the age of 79.
• Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America Lite with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
• US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
• Visitors Protect Plan offer maximum limits from $50,000 to $250,000.
• Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.

Patriot Platinum

• Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
• This is a comprehensive plan and is the plan with excellent coverage.
• This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
• Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years
• This plan need to be purchased for a minimum of 3 months.
• This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
• Pre-existing complications from covid-19 covered
• This fixed plan from provides full pre existing condition coverage.
• In-patient, out-patient, specialist care covered for pre-existing.
• Minimum purchase of 90 days is required for this plan.
• This is another comprehensive plan from INF.
• Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years .

Older traveler medical insurance for above 70 years

Safe travels usa comprehensive.

• Safe Travels USA Comprehensive available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
• For the age of 65 to 80 years this plan provides a policy maximum of $50,000 and $100,000.
• Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• There is also a higher policy maximum option available for people above 70 up to the age of 79.
• Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
• Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• Offers coverage from 90 days to 12 months.
• This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
• INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
• INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• Pre-existing complications from covid-19 covered.
• Covers 90% of elgibile medical expenses and minimum purchase of 90 days is required for this plan.
• INF Safe Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan does not cover pre existing conditions including acute onset of pre existing conditions.

Senior Citizen travel insurance for above 80 years

• INF Safe Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
• INF Safe Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan covers Urinary Tract infection for older travelers above 80 years.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
• For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• The Safe Travels USA Comprehensive provides a policy maximum of $20,000 for people aged above 80 years.

Safe Travels USA Cost Saver

• Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.

Safe Travels USA

• This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
• This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.

Safe Travels Elite Diamond

• This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
• Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• It is available for travelers of ages 14 days to 99 years
• Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
• Travel Medical USA Visitor Choice is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
• Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.

Senior Citizen travel insurance for above 90 years

The Columbia River has Cruises along the Columbia River Gorge and navigates through the Cascade Mountains.

Best travel insurance for cruises

Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.

Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.

A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer. Vacationers can shield themselves best by purchasing the Cancel for any reason travel insurance benefit. This gives the flexibility of cancellation the cruise vacation for any reason, and the traveler can get reimbursed up to 75% of the non-refundable trip expenses. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans. Get Quotes »

Cruise travel insurance for US citizen

Cruise travel insurance for pre-existing coverage, international travel medical insurance, us visitor healthcare cost.

High health care costs in US could be burdensome to a short term visitor.

Steps for US Visitor Healthcare cost

Travel medical insurance

Offers coverage of sudden & unexpected illness while traveling away from your home country.

Pre-existing coverage

Find insurance plans providing comprehensive coverage for pre-existing conditions/ailments.

Senior citizens

A fall/illness could become more serious for the older traveler. Be sure you have good coverage.

International student insurance for studying in Washington

Washington is home to many universities and research centers which attracts a large number of international students. Given the high cost of health care in the United States, all international students should have proper student health insurance. Most Washington University student health insurance plans are prohibitively expensive, and to make it affordable to students, we offer similar student insurance plans which satisfy university requirements. These student insurance plans are comparable but cheaper when compared to university student plans. Click here to view more »

Travel insurance for Washington, Visitor insurance for Washington

Travel medical insurance Washington resources

International travel insurance resources for Washington visa holders.

Factors for travel insurance Washington online

Important factors while deciding on the best travel insurance to Washington.

Types of Washington travel insurance online

Understanding different types of Washington visa travel insurance options.

Washington travel insurance claims procedure

Travel insurance claims process for getting medical care in a hospital.

US Travel insurance for visiting Washington

Pre-existing conditions visitor insurance, annual multi trip travel health insurance.

Annual Multi Trip travel health insurance for frequent travelers.

USA visa health insurance, Visitor visa health insurance USA

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa health insurance, Health insurance H4 visa holders.

Long term Europe Insurance for US citizens

US citizens from Washington visiting Europe for more than 90 days are required by Schengen state consulates to buy Long term Europe travel insurance with a minimum of 30,000 Euros medical coverage for the Long term Europe travel visa. However, given that healthcare in Europe is expensive, and that US domestic health insurance and US Medicare plans offer little coverage outside US borders, it is recommended for US citizens traveling from Washington to buy proper Europe travel insurance even for short visits to Europe.

Travel Insurance for US senior citizens on Medicare travelling abroad

US senior citizens having Medicare and travelling overseas from Washington need to be aware of the limited to no coverage by their health insurance outside US national borders. Older travelers are therefore advised to buy Medicare supplemental travel medical insurance to cover unexpected expenses from emergency sickness or injuries outside USA.

Select the type of insurance for travelers from Washington...

 travel insurance with quarantine coverage, travel insurance for quarantine coverage.

• Travel insurance for US Citizens and US Residents traveling outside USA
• Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Safe Travels Voyager plan's trip delay benefit can be upgraded.
• The base benefit is $3,000 (which is $250 per day). Traveler’s can choose $4000 ($300 per day) or $7000 ($500 per day).
• Travel insurance for American citizens and US Residents traveling outside USA
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid-19 is covered as any other sickness.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Travel insurance for US Citizens and US Residents
• Provides minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid19 medical expenses are covered and treated the same as any other sickness
• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

• Travel insurance for US Citizens and US Residents traveling outside US
• Trip cancellation up to $50,000
• Trip interruption up to 200% of trip cost
• $500,000 medical for sickness and injury/$1,000,000 medical transportation
• Include $2000 in travel delay benefits for quarantine/lodging.

Covid Quarantine insurance for US citizens

Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.

US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).

 Travel medical insurance to emergency medical expenses

Best travel insurance, best international travel insurance for us citizens.

• Travel medical insurance for US Citizens and US Residents traveling outside USA
• Available up to 180 days
• Offers emergency sickness coverage up to $500,000
• Covid-19 covered as any other sickness
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses
• US travel health insurance for US citizens outside USA
• Available from 5 days to 364 days
• Offers maximum coverage up to $5,000,000
• Travel Medical Choice insurance offers coverage for expenses related to COVID-19
• Short term fixed benefit cheap travel insurance USA for US citizens outside USA
• Plan maximum options available up to $130,000 for medical expenses
• Offers coverage outside the US
• Deductible options from $0 to $1,000
• Policy Maximum from $50,000 to $150,000
• Offers emergency medical evacuation coverage up to $500,000
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

 Expatriate heath insurance for living outside home country

Best expat insurance, best expatriate insurance, expat insurance plans.

• Ideal for US expatriates and for those global citizens living and working outside their home country.
• Xplorer Premier Insurance provides unlimited annual and lifetime medical maximum.
• It covers pre-existing conditions with creditable coverage

 Trip cancellation insurance for trip investment expenses

Best trip cancellation insurance, best trip protection insurance.

• Trip Cancellation: Up to 100% of insured trip cost
• Travel SE Covid Quarantine Benefit : Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX Covid Quarantine Benefit : Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit : Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• Offered by Trawick International and is highly rated.
• You can add a "Cancel for Any Reason" waiver onto the plan.
• It can cover trips up to 90 days long.
• Cancellation of policy must be purchased within 10 days of the initial trip deposit date.
• Provides coverage for U.S. residents travelling outside their home country

 Trip cancellation insurance for Cancel for any reason

Cancel for any reason trip cancellation insurance, cancel for any reason plans.

• Cancel For Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Tour cost to a maximum of $100,000
• Cancel for Any Reason: Up to 75% of trip cost insured
• Trip Cancellation: Up to 100% of Trip Cost
• Cancel for Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Up to a Maximum of $50,000. ($30,000 for travellers above 80 years)
• Cancellation for Any Reason: 75% of the Insured Trip Cost within 21 days of trip deposit - some restrictions apply. Not available in NY or WA.

 US seniors traveler insurance, Medicare supplement international travel insurance

Usa senior citizen travel insurance, us seniors travel insurance, travel insurance for older us travelers.

• The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days
• The GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip
• It is an affordable international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses for short trips.
• It is available up to 12 months
• It is an renewable long term international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses.
• It is available up to 12 months.

 Annual travel insurance, Yearly travel insurance

Best annual travel insurance, best yearly travel insurance, annual travel plans.

• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• Available for US residents only up to age 81 years
• Maximum trip length is 30 days per trip
• Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
• It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.

Review and compare the best Annual insurance.

Types of US travel insurance

Single trip travel insurance.

Compare and Buy Best US Single trip travel Insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

New US Immigrant health insurance

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.

At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

New US immigrant insurance blogs

Us immigrant health insurance plans.

Compare popular US immigrant plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards

Difference between visitors and immigrant Insurance

Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!

US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Popular international travel destinations among Washington residents

Canada is the most popular destination among the residents of Washington. Other popular international travel destinations among residents of Washington State are Taiwan, Vietnam, American Samoa, Japan and India.

American Samoa

Popular outbound destination among Washington travelers

Washington travel insurance for Canada

Schengen visa insurance for washington residents traveling to europe.

Since US domestic insurance has little coverage in Europe, it is important to buy adequate travel insurance while visiting Europe. We have Europe travel health insurance specific to your needs.

Schengen visa document

Satisfy Schengen visa requirements for less than 90 days and for long term stay of more than 90 days in Europe.

Travel health insurance

Travel medical insurance that will cover medical expenses and hospital bills of the visitor in Europe.

Trip protection insurance

Travel health insurance that covers trip cancellation and other vacation related medical expenses.

US travel insurance for Washington tourists - FAQ's

01.  how does find the best travel insurance for usa how to find the best international travel health insurance.

There are many international US travel health insurance plans for coverage both in the USA as well as around the world. Given the several international travel insurance options, it can be confusing to find the best health insurance for international travel. What is very useful in making this decision is to compare US visitor travel insurance available on American Visitor Insurance.

The compare US travel insurance tool allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage and the deductible and coverage for pre-existing ailments or hazardous sports. After finding the best travel insurance for your needs, travelers can buy it by completing an online application and paying using a credit card. One completing the purchase the travel insurance plan is emailed to the customer.

02.  Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

03.  What are the factors to consider for travel health insurance to USA?

The best travel insurance for USA depends these factors:

• The coverage for accident and sickness related medical expenses
• The coverage for medical and evacuation expenses
• The coverage for pre-existing conditions
• The deductible and co-payment options
• The network of hospitals and providers
• The customer service and claim process

What is the best travel insurance for Washington, USA?

WorldTrips , Seven Corners , International Medical Group(IMG) , Trawick International and Travel Insure are the top US companies that offer travel insurance plans for international travelers. Some of the best US travel insurance for Washington, USA is listed here:

• Atlas America Travel Insurance offered by WorldTrips is considered one of the best travel insurance options offers coverage up to $2,000,000. This plan offers coverage for Hospitalization, Prescription drugs, Trip cancellation, Trip Interruption, covid19,Travel delay and Evacuation and much more!. This also offers coverage for acute onset of pre-existing conditions up to 79 years.
• Patriot America Plus Insurance is another best travel insurance for visiting the USA offers coverage up to $1,000,000. It offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. This also offers optional riders provide additional coverage for a minimal charge. This also offers coverage for acute onset of pre-existing conditions up to 70 years.
• Visitor Secure Insurance is fixed benefits plan and an affordable scheduled benefit plan for visitors to USA. It offers coverage up to chosen plan maximum for acute onset of pre-existing conditions up to 70 years. This plan covers Inpatient and Outpatient treatment facilities and price varies between the types of plans.
• Safe Travels USA Comprehensive Insurance offers excellent medical coverage for Non-US Citizens and Non-US Residents while visiting the USA. This includes coverage for acute onset of pre-existing conditions, well doctor visit, emergency medical evacuation, repatriation and security evacuation benefits. This plan offers coverage up to $1,000,000.
• Safe Travels USA Insurance is a cheap travel medical insurance plan that covers Non-US Citizens and Non-US Residents while visiting the USA. It offers comprehensive US Covid19 insurance coverage for illness and accident and offer a Well Doctor Visit which pays up to $125.Coevrs Unexpected Recurrence of a pre-existing conditions. This plan offers coverage up to $1,000,000.
• Travel Medical Insurance from seven corners offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of your Home Country. This comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000.This offers acute onset of pre-existing conditions up to 79 years and Adventure Activities up to medical maximum.

Trip Cancellation insurance for Washington links

Travel insurance for washington faq, washington travel insurance blog, travel insurance to washington forum, travel insurance claims in washington, international student health insurance, health insurance for j1 visa, student insurance.

Plans are comprehensive and cheaper compared to the university student plans.

J1 visa insurance

Medical insurance plans that satisfy the J1 visa requirements for j1 visa holders.

Covid19 travel insurance

Covid travel insurance, find the best us visitor insurance coverage - blogs and articles, affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

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Travel insurance - pre-existing conditions coverage, international travel insurance resources, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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How State Regulations Impact What Travel Insurance Can Be Purchased

The types of travel insurance available for purchase depends greatly on what state travel insurance is purchased in. Photo: Shutterstock.com.

Royal Caribbean and Viking Cruises recently had to temporarily stop selling travel insurance to New Yorkers and residents of several other states because of a conflict with state regulations.

While the two cruise lines were able to resolve the issue and start selling insurance again , what the event demonstrated to consumers and travel agents alike is the crazy patchwork quilt of regulations and filing rules for travel insurance around the U.S.

Travel insurance is regulated by each of the U.S. 50 states for any sales within their state boundaries. This means that to offer coverage nationally, insurers need to file and have approved their coverage with 50 different insurance departments.

New York is cited by many industry experts to be one of the greatest outliers when it comes to anomalies in travel insurance regulations. For example, the state currently prohibits the sale of Cancel for Any Reason (CFAR) insurance. According to the state’s published regulations, a “Cancel for Any Reason Waiver” or “Change of Mind” provision “is not based upon the happening of a fortuitous event,” as defined in the state’s Insurance Law 1101.

Travel Market Report asked a New York Department of Financial Services spokesman to explain the law. They wrote: “Insurance is designed to provide protection against an unforeseen event that occurs by chance or accident over which an affected person has no control. ‘Cancel for any reason’ allows the purchaser to control the event that would lead to payment, which we deem not to be insurance.”

When asked whether the state has ever, or would consider allowing CFAR insurance, the spokesman declined to comment, saying the state doesn’t discuss its regulatory deliberative process.

“I love New York, but it is right there at the king of the mountain, saying, ‘We do it differently,” said Jason Schreier, CEO for APRIL Travel Protection, the Miami-based U.S. division of APRIL Group, a 30-year-old global insurance conglomerate. “It starts with cancel for any reason, but even permeates licensing requirements.”

(New York also is one of a handful of states that hasn’t signed on to a national umbrella model for licensing travel agents to sell travel insurance across all 50 states.)

Travel Market Report contacted numerous travel insurance executives for comment on state regulations and filing procedures. Most declined to be quoted in this story, concerned that their participation would draw unwanted attention to their next state travel insurance filings. “We don’t want to rattle that cage,” said one travel insurance official who asked to remain anonymous.

Many exceptions and anomalies across the U.S. According to Squaremouth, the online travel insurance aggregator, there are quite a few anomalies where common travel insurance benefits are excluded to state residents. Exclusions typically depend on the underwriter and the lengths they need to go to in specific states in order to offer those benefits.

“Some states make it much harder for providers to offer certain coverages, like CFAR or rental car damage, for instance, and thus they are more likely to be excluded in those states,” though not necessarily prohibited by state regulations, a spokeswoman said.

For example, car rental damage coverage might be excluded in Florida, Kansas, Texas, New York and Washington state, Squaremouth noted, while CFAR might not be found on policies in Florida and New Hampshire – as well as New York. (Squaremouth based its reviews on policies from their top underwriters, Berkshire Hathaway, Generali and Nationwide.)

The terms and conditions for an annual travel insurance plan from Allianz Global Assistance state that rental car damage and theft coverage is not available to Kansas, Texas and New York residents.

In a search on Squaremouth, eight policies appeared for a simple travel insurance request for a one-week trip to Mexico departing Mar. 24, with Cancel for Any Reason coverage for a Washington state resident. Squaremouth said 45 policies were ineligible for purchase. When the state of residence was changed to Pennsylvania, 12 policies were available and 40 policies were ineligible.

“State regulations and statutes vary greatly, and there may be certain coverages that are not available in all states. Conversely some states actually expand coverage over what other states may provide,” said Megan Cruz, CAE, executive director at the US Travel Insurance Association, in Rockville, Maryland.

“I would recommend that someone considering purchasing insurance inquire about any state-specific issues at the time they are contemplating purchasing. If they are not sure, they should contact the company directly,” said Cruz.

The state-by-state process can be time-consuming and costly, and often slows down the national launch of travel insurance products, as was seen in the summer of 2018, when Allianz launched its new SmartBenefits program on Aug. 23.

SmartBenefits was not available for Indiana and Alaska consumers until Aug. 29; Texas consumers until Oct. 9; and Massachusetts residents until Nov. 12. SmartBenefits is still not available to residents of New York and Washington State, but Allianz said in a statement to Travel Market Report that it is “hopeful that it will be available to our customers in those states in the near future.”

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WHAT’S COVERED, COSTS, AND TIPS ON FINDING THE BEST TRAVEL INSURANCE FOR YOUR NEEDS

March 28, 2024 | 3 min read.

Travel insurance can be an overwhelming expense to consider atop an already costly vacation. Admittedly, even as a seasoned travel industry professional with three decades of globe-trotting under my belt, I have a moment of pause each time I’m confronted with this. Ultimately, I almost always purchase some travel insurance coverage, especially when it’s a complex international trip. It’s primarily motivated by my aging parents—heaven forbid anything should happen to them—and wanting a safety net to return home at a moment’s notice without incurring massive out-of-pocket costs. This parental paranoia is just a small piece of the greater solace that travel insurance can provide, says AAA Tour Product Manager Randy Osborne. “Everyone can benefit from travel insurance,” he says. “The unexpected happens. It can provide peace of mind and reduce stress during a traumatic situation, as well as a contact to call when traveling abroad.” Osborne has seen it all. He works directly with AAA Travel Advisors and AAA’s preferred travel insurance provider, Allianz . It’s a vantage point that continually provides him with real-life cautionary travel tales. “I’ve never heard of anyone who needed and used travel insurance regretting having purchased it,” Osborne says. He says the biggest mistake people make is this: “Not getting it at all.” Here are some key things to keep in mind when navigating travel insurance   

IT’S A FINANCIAL SAFETY NET FOR YOUR VACATION INVESTMENT There is no “one-size-fits-all” travel insurance plan, says Osborne, since available plans will be based on the trip cost, vacation destination(s) and age of the traveler(s). Most comprehensive travel insurance plans, however, will include varying degrees of coverage for the following:

• Trip Cancellation: This is a predeparture benefit that provides the ability to recoup travel costs if you cannot travel. It’s typically limited to specific reasons covered in the plan. Osborne advises understanding what these covered reasons are upfront when reviewing plan options.
• Trip Interruption: This helps if you need to cut your trip short. Covered reasons typically include an illness or injury during the trip, or a family emergency at home—which, as mentioned earlier, has always been this author’s primary motivator to purchase travel insurance.
• Travel Delays: This helps to cover expenses if your travel is delayed due to a covered reason. Osborne advises understanding what constitutes a “travel delay” within the travel insurance plans you are considering.
• Medical Expenses: This helps to cover unforeseen medical expenses while traveling to destinations where your U.S.-based health insurance may not work. “Frequently, the biggest covered amounts are for medical,” Osborne says.
• Emergency Evacuation Coverage: This typically helps to cover the cost of transportation (plus related medical services and supplies) to a medical facility if you’re seriously injured or ill. The best plans will provide up to $1 million per person for medical evacuation. This can seem high, but evacuation costs can exceed tens of thousands of dollars, especially if you’re traveling to a remote destination.
• Baggage Loss or Delays: This helps to recoup costs for lost luggage, as well as damaged or stolen baggage while you are on your trip.

COMPARE PLANS

In some cases, such as when booking a cruise or a guided group tour vacation, the travel provider may require you to purchase a certain level of travel insurance before you can join the excursion. In these situations, representatives often have options that allow you to bundle travel insurance into the cost of the vacation at the time of booking. Even if this is the case, however, Osborne says it pays to shop around and compare travel insurance plans to see if there is a policy that better suits your needs.   

Most travel insurance companies, including Allianz Insurance, have easy-to-use websites that highlight several levels of travel insurance for your trip. These quotes can be used as baselines for building upon or removing elements. Gather a few online quotes, then speak over the phone with a representative to customize.    

SEEK PROFESSIONAL GUIDANCE

Allow a AAA Travel Advisor to guide you through the process and identify a travel insurance policy that works for your needs, risk tolerance, and budget. The best part: This service is free.

PURCHASE EARLY FOR THE MOST BENEFITS

You’ll get the best and most comprehensive coverage if you purchase travel insurance within the first 14 days of making a trip deposit. (That clock starts ticking once you put a down payment on any part of the vacation.) The biggest benefits include:  

• Trip Cancellation: The earlier you buy travel insurance, the sooner you are protected—even before you step on that plane, train, or cruise ship. “Often I get calls from travelers who didn’t expect to need insurance and then have a [medical] diagnosis before travel that prevents them from going,” Osborne says.
• Better Trip Cancellation Coverage Options: Many travel insurance companies offer more covered reasons for trip cancellation if you purchase it within 14 days of making an initial trip deposit.
• Pre-Existing Medical Conditions: If you have a pre-existing medical condition, most travel insurance will not cover medical situations due to this condition that arise during your travels— that is, unless you purchase comprehensive travel insurance coverage within the first 14 days of making a trip deposit.

ASSESS MEDICAL COVERAGE CAREFULLY, ESPECIALLY IF YOU HAVE A PRE-EXISTING CONDITION

Most U.S.-based health insurance plans won’t offer medical coverage on non-U.S. soil. Even if you have outstanding health insurance, it may not be very helpful during an international vacation where unexpected medical and health issues arise. This is certainly the case if you’re traveling to more remote areas with limited medical facilities or your vacation includes high-risk excursions and activities. Osborne says it’s important to understand whether travel insurance you’re considering offer primary or secondary medical coverage, and to assess which is best for you.   

If you have a pre-existing medical condition or chronic health problems, medical coverage is an especially critical piece of the policy to scrutinize, Osborne says. He recommends consulting a travel insurance specialist so that you are covered accordingly.

UNDERSTAND WHAT IS NOT COVERED IN THE POLICY It’s easy to focus on what’s included when comparing trip insurance plans. Osborne recommends paying close attention to what is excluded from coverage, too.

Case and point: I recently read about a couple who booked a return flight home after their original flight had been cancelled. When the couple filed a claim with their insurance provider to recoup this cost of this new flight, they learned that this specific scenario was not covered under the policy. (The flight was cancelled due to crew not arriving on time, and the airline was able to rebook the couple on a less-desirable flight home, which the couple declined.)

Clearly understanding the exclusions—and this could be achieved with a simple phone call to the insurance provider’s customer service—could have prevented this financial oops. BE

Find An Agent

AAA Travel Advisors can provide vacation planning guidance to make your next trip unforgettable. Find a Travel Advisor       

CAREFUL RELYING ON CREDIT CARD TRAVEL INSURANCE Just as you should not rely on your U.S.-based health insurance to cover you while traveling internationally, it’s wise to not make assumptions about a credit card that offers travel insurance as one of its perks. Osborne advises reviewing the credit card’s travel insurance coverage amount; the medical coverage policy; whether all trip purchases need to be made with that credit card; and if approved claims results in a cash refund or a travel credit.  

   EPIDEMIC AND PANDEMIC COVERAGE IS AVAILABLE The events of 2020 turned travel on its head, and also impacted the travel insurance industry. As a result, travel insurance companies evolved and most now offer epidemic and pandemic coverage options. “Having coverage for quarantine is at the forefront of people’s minds now,” says Osborne, pointing to the out-of-pocket costs that came with many travelers having to quarantine in a vacation destination when Covid-19 was at a peak.    BUDGET FOR TRAVEL INSURANCE The average cost of travel insurance is 5% – 6% of your trip costs, according to Forbes Advisors’ analysis of travel insurance rates. If you’re planning an international, bucket-list vacation—and want to protect your investment in the unfortunate event that things go sideways—it’s wise to keep this cost in mind when creating your trip budget. “As much as we don’t want to think about the unexpected, things happen and having the coverage you need when you need it can be a huge benefit,” says Osborne. “If you need it, you will never regret having it.

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Baltimore Key Bridge collapse

March 26, 2024 - Baltimore Key Bridge collapses after ship collision

By Helen Regan , Kathleen Magramo , Antoinette Radford, Alisha Ebrahimji , Maureen Chowdhury , Rachel Ramirez , Elise Hammond , Aditi Sangal , Tori B. Powell , Piper Hudspeth Blackburn and Kathleen Magramo , CNN

Our live coverage of the Baltimore bridge collapse has moved here .

Crew member on DALI said everyone on board was safe hours after bridge collapse, official says

From CNN’s Amy Simonson

A crew member on the DALI cargo ship sent a message hours after the Francis Scott Key Bridge collapsed Tuesday saying everybody on board was safe, according to Apostleship of the Sea director Andy Middleton.

Middleton, who spent time with the captain of the DALI Monday, told CNN’s Laura Coates he reached out to a crew member after hearing about the incident Tuesday morning. 

He said there were 22 members aboard the ship from India who were setting sail earlier Tuesday morning and were heading toward Sri Lanka.

“I was able to reach out to a crew member very early this morning around 5:30 (a.m. ET) or 6 (a.m. ET) and get a message to them asking if they were OK,” he said. “That crew member responded within just a few minutes advising that the crew was safe, and everybody that [was] on board was safe.”

Middleton was told by the ship's captain Monday that the vessel was going to take a longer route to avoid risks along the Yemen coast.

“When I was out with the captain yesterday, we were talking while we were driving, and he advised that they were sailing down and around the tip of South Africa in order to avoid the incidents that are going on off the Yemen coast, and it was a safer way to go,” he said.

Middleton said the  Apostleship of the Sea  is a ministry to seafarers with members that spend time in the port and on the vessels as a friendly face to the seafarers that visit the Port of Baltimore, “taking care of their needs to make sure that they're reminded of their God-given human dignity when they're here in Baltimore.”

Search operation ends in "heartbreaking conclusion," Maryland governor says. Here's the latest

From CNN staff

Six people, who were believed to be part of a road construction crew, are presumed dead after Baltimore's Francis Scott Key Bridge collapsed early Tuesday morning. The collapse came after a 984-foot cargo ship hit the bridge's pillar.

Maryland Gov. Wes Moore told reporters Tuesday evening it's a "really heartbreaking conclusion to a challenging day."

Late Tuesday, it was discovered that two of the construction workers who went missing after the bridge collapsed were from Guatemala , the country's Ministry of Foreign Affairs said late Tuesday.

Here's what you should know to get up to speed:

• The victims: Eight people were on the bridge  when it fell, according to officials. At least two people were rescued — one was taken to the hospital and was later  discharged , fire official and the medical center said.
• The incident: Video shows the moment the entire bridge structure falls into the water, as the ship hits one of the bridge's pillars. CNN analysis shows that the  ships lights flickered  and it veered off course before it hit the bridge. Maryland Gov. Wes Moore said the crew on the ship were able to issue a "mayday" before colliding into the bridge, which allowed the authorities to stop incoming traffic from going onto the bridge.
• Response efforts: Earlier, dive teams from various state and local agencies were brought in to assist in search-and-rescue operations, according to Maryland State Police Secretary Col. Roland L. Butler Jr.. The mission started with 50 personnel and continued to grow before the Coast Guard announced Tuesday evening that it was suspending its active search-and-rescue operation and transitioning to a "different phase."
• The investigation: Authorities are still working to establish exactly how the crash occurred. The National Transportation Safety Board will look into  how the bridge was built  and investigate the structure itself. It will "take time to dig through" whether the bridge had ever been  flagged for any safety deficiencies , NTSB Chair Jennifer Homendy said.
• Rebuilding the bridge: US Sen. Chris Van Hollen said the path to rebuilding the bridge will be "long and expensive." Senior White House adviser Tom Perez told reporters Tuesday “it’s too early” to tell how long it will take to rebuild the bridge. President Joe Biden said Tuesday he wants the federal government to bear the full cost of rebuilding the collapsed bridge, noting that it will not wait for the company who owns the container ship DALI to shoulder the costs. Funding could come from the Federal Highway Administration as well as the Bipartisan Infrastructure Law, but it may require additional funding from Congress.

2 of the missing construction workers from bridge collapse were from Guatemala, foreign ministry says

From CNN’s Allison Gordon, Flora Charner and Amy Simonson

Two of the construction workers missing from the bridge collapse in Baltimore were from Guatemala, the country's Ministry of Foreign Affairs said in a statement late Tuesday.

Those missing included a 26-year-old originally from San Luis, Petén. The other is a 35-year-old from Camotán, Chiquimula, the statement said.

The ministry said both were part of a work team “repairing the asphalt on the bridge at the time of the accident.”

The statement did not name the two people missing, but it said the country’s consul general in Maryland “went to the area where the families of those affected are located,” where he hopes to be able to meet with the brothers of both missing people.

The consulate   also issued a statement Tuesday saying its consul general in Maryland "remains in contact with local authorities," and also confirmed that two of those missing "were of Guatemalan origin.”

Six people, who were believed to be part of a road construction crew, are presumed dead after Baltimore's Francis Scott Key Bridge collapsed early Tuesday morning when a cargo ship hit the bridge's pillar.

State and federal officials have not released information about the identities of any of the six missing workers.

Underwater mapping of bridge collapse area to begin Wednesday, Baltimore fire chief says

From CNN's Jennifer Henderson

Search operations near the Key Bridge collapse have shut down for the night due to dangerous conditions, but the process of underwater mapping with many local, state and federal dive teams will begin Wednesday, Baltimore City Fire Chief James Wallace told CNN’s Anderson Cooper Tuesday night.

Wallace said the portion of the Patapsco River is “tidal influenced, so it goes through tide cycles just like the open waters of the Chesapeake Bay does.”

The water depths in the area under the bridge vary from 40 feet to more than 60 feet, Wallace said. The deeper the divers go, the colder the temperatures they encounter, and the visibility is zero, he added.

 Wallace said when crews arrived Tuesday morning, the surface water temperatures of the Patapsco River were about 47 degrees with an air temperature of 44-45 degrees.

Here's what you should know about the historic Francis Scott Key Bridge

The Francis Scott Key Bridge collapsed early Tuesday after a massive container ship lost power and crashed into the iconic Baltimore bridge, sending people and vehicles into the frigid Patapsco River.

Six people, believed to be part of a road construction crew, are presumed dead and the Coast Guard has ended its active search and rescue mission.

Here's what you should know about the historic bridge:

• How old?: The Francis Scott Key Bridge, also referred to as just the Key Bridge, opened to traffic in March 1977 and is the final link in the Baltimore Beltway, according to the Maryland Transportation Authority (MDTA.) It crosses over the 50-foot-deep Patapsco River, where former US attorney Francis Scott Key found inspiration to write the lyrics to the Star Spangled Banner, the MDTA says.
• How long?: The bridge was 1.6 miles long when standing, MDTA reports.
• Traffic volume: More than 30,000 people commuted daily on the bridge, according to Maryland Gov. Wes Moore.
• How much did it cost?: The bridge cost $60.3 million to build, MDTA says. Since its collapse, President Joe Biden said he’s committed to helping rebuild the bridge as soon as possible.
• About the port: Baltimore ranks as the ninth biggest US port for international cargo. It handled a record 52.3 million tons, valued at $80.8 billion, in 2023. According to the Maryland state government, the port supports 15,330 direct jobs and 139,180 jobs in related services.
• About the ship: The bridge collapsed after a container vessel called Dali collided with one of its supports. Dali is operated by Singapore-based Synergy Group but had been chartered to carry cargo by Danish shipping giant Maersk . The ship is about 984 feet long , according to MarineTraffic data. That’s the length of almost three football fields.

Baltimore woman says bridge collapse was "like a piece of family dissolved"

From CNN's Kit Maher

For longtime Baltimore resident, Ceely, who opted not to share her last name, seeing footage of the Francis Scott Key Bridge collapse  Tuesday was deeply personal.

“I was very heavy-hearted,” Ceely told CNN. “Very tearful, thinking about the families whose loved ones may be in the water and just remembering when the bridge was constructed, and it was just like a piece of family dissolved.”

Ceely was at a prayer group Tuesday morning when she saw the news. She recalled being afraid when she first crossed the bridge while in Ford Maverick in 1975, but grew to like it because it saved time on the road.

“It was a main artery just like a blood line. It was a main artery to the other side of town. It was awesome. It beat going through the city all the time,” she said.

Elder Rashad A. Singletary , a senior pastor who led Tuesday night’s vigil at Mt. Olive Baptist Church told CNN that many church members watched the bridge's construction.

"It’s a part of the community. A lot of our individuals in our congregation drive that bridge to go to work, and so now it’s really a life changing moment,” he said.

"Heartbreaking conclusion to a challenging day," Maryland governor says as Coast Guard ended search operation

From CNN's Aditi Sangal

More than 18 hours after the collapse of the Baltimore bridge, Maryland Gov. Wes Moore said it was a heartbreaking conclusion after the Coast Guard ended the search-and-rescue operation for the six people who were on the bridge when it collapsed.

It's a "really heartbreaking conclusion to a challenging day," he said.

"We put every single asset possible — air, land and sea" to find the missing people, he told reporters on Tuesday evening. "While even though we're moving on now to a recovery mission, we're still fully committed to making sure that we're going to use every single asset to now bring a sense of closure to the families," the governor added.

6 people presumed dead after Baltimore bridge collapse, Coast Guard says. Here's what we know

As the sun sets in Baltimore, six people are presumed dead after a major bridge collapsed overnight Tuesday, according to the Coast Guard. The Francis Scott Key Bridge came down around 1:30 a.m. ET after a cargo ship collided with it.

The Coast Guard said it has ended its active search-and-rescue operation for the missing construction workers who were on the bridge when it collapsed.

• What we know: Eight people were on the bridge when it fell, according to officials. At least two people were rescued — one was taken to the hospital and has been discharged . The Coast Guard has been searching for six other people. But, around 7:30 p.m. ET, the Coast Guard said it has transitioned to a “different phase” of operation, now it did “not believe we are going to find any of these individuals alive,” Rear Adm. Shannon Gilreath said.
• About the ship: The bridge collapsed after a container vessel called Dali collided with one of its supports. The vessel is operated by Singapore-based Synergy Group but had been chartered to carry cargo by Danish shipping giant Maersk . The US Embassy in Singapore has been in contact with the country’s Maritime and Port Authority, a State Department spokesperson said.
• The investigation: The National Transportation Safety Board is leading the investigation into the collapse. A team of 24 experts will dig into nautical operations, vessel operations, safety history records, owners, operators, company policy and any safety management systems or programs, said NTSB Chair Jennifer Homendy. A voyage data recorder will be critical to the investigation, she added. 
• Vehicles on the bridge: Officials are also working to verify the numbers of how many cars and people were on the bridge, Homendy said. Gov. Wes Moore said the quick work of authorities in closing the bridge had saved lives . Radio traffic captured how authorities stopped traffic and worked to clear the bridge seconds before the impact . Maryland State Police Secretary Col. Roland L. Butler Jr. said there is a “ distinct possibility ” more vehicles were on the bridge, but authorities have not found any evidence to support that.
• Looking ahead: NTSB will look into how the bridge was built and investigate the structure itself, including if it was flagged for any safety deficiencies , Homendy said. The federal government has also directed its resources to help with search and rescue, to reopen the port and rebuild the bridge, Vice President Kamala Harris said . Earlier, President Joe Biden said t he federal government will pay to fix the bridge.
• The economy: Transportation Secretary Pete Buttigieg warned the collapse will have a serious impact on supply chains . Until the channel is reopened, ships will likely already be changing course for other East Coast ports. Ocean carriers are already being diverted from the Port of Baltimore, where the bridge collapsed, to the Port of Virginia to “keep trade moving."

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How the Key Bridge Collapsed in Baltimore: Maps and Photos

By Weiyi Cai ,  Agnes Chang ,  Lauren Leatherby ,  Lazaro Gamio ,  Leanne Abraham and Scott Reinhard

On Tuesday, a major bridge in Baltimore collapsed into the water seconds after it was struck by a cargo ship, sending vehicles on the bridge into the river below. The ship lost power and issued a mayday call shortly before it hit the bridge.

The ship, a 948-foot-long cargo vessel called Dali, was about a half hour into its journey toward Colombo, Sri Lanka, when it hit a main pillar of the bridge. All crew members are safe, according to the ship’s owners.

Follow our live coverage .

A mayday call from the ship gave officials enough time to stop traffic at both ends of the bridge. The waters where the bridge collapsed are about 50 feet deep. By Tuesday morning, six construction workers who had been fixing potholes on the bridge remained missing as divers and other emergency workers on boats and helicopters continued to search for them. Two others had been rescued, and one was in the hospital.

Francis Scott

Patapsco River

The ship left the Port

of Baltimore around

1 a.m. on Tuesday.

Where impact occurred

Direction of the ship

The ship hit the

bridge at 1:28 a.m.

The ship hit the bridge at 1:28 a.m.

Where impact

Source: Spire Global

The New York Times; satellite image by Google Earth

The lights of the ship flickered on and off as it lost power in the minutes before the ship changed bearing and hit the bridge.

Ship approached from

the Port of Baltimore

Road repair crews

Ship changed heading

as it neared pillar

Ship hit pillar

Southern and central spans

of bridge began to collapse within

seconds of impact

Northern span began to

collapse seconds later

Within 30 seconds of impact,

the central part of bridge had

entirely collapsed.

Source: StreamTime Live via YouTube

Timestamps are from StreamTime Live video.

The New York Times

The Francis Scott Key Bridge was opened in 1977 and carried more than 12.4 million vehicles last year. The bridge was one of the three major ways to cross the Patapsco River and formed part of Baltimore’s beltway.

The Port of Baltimore is a major trade hub that handled a record amount of foreign cargo last year. It is an especially important destination — the nation’s largest by volume last year — for deliveries of cars and light trucks.

Ship impact

To Chesapeake Bay

Sources: Maryland Port Administration, OpenStreetMap, MarineTraffic

Note: Ship positions are as of 2:46 p.m. Eastern time.

Overall, Baltimore was the 17th biggest port in the United States in 2021, ranked by total tons, according to the Bureau of Transportation Statistics. The bridge collapse brought marine traffic there to a standstill, with seven cargo or tanker ships stranded in the harbor as of Tuesday afternoon.

Gov. Wes Moore declared a state of emergency for Maryland and said that his office was in close communication with Pete Buttigieg, the U.S. transportation secretary. The White House issued a statement saying that President Biden had been briefed on the collapse.

Erin Schaff/The New York Times

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Annual travel insurance not available in WA state?!

Did anyone else see this article in a recent issue of Conde Nast? How can the home state of Rick Steves travel be the only state that doesn;t allow residents to take advantage of this cost saving strategy?

https://www.cntraveler.com/story/annual-travel-insurance-plans-best-way-to-buy-travel-insurance?utm_source=nl&utm_brand=cnt&utm_mailing=CNT_Daily_BONUS_063019&utm_campaign=aud-dev&utm_medium=email&bxid=5cb4e26a2ddf9c2f6a168de2&cndid=56897148&hasha=fe3ff95dfe7e01b033e16dafd1389206&hashb=3e93ebd06b54a92bd85ad3cbc43e2a62e38ea309&hashc=f076e6cf9560063eeb8448767aba897a8c3aeec5fb61186acbd4b44293ab5e4e&esrc=bounceX&utm_content=Final&utm_term=CNT_Top_25

You can ask Mike Kreidler, the Washington State Insurance Commissioner, that question: https://www.insurance.wa.gov/ask-mike

This topic has been automatically closed due to a period of inactivity.

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Health & Insurance in Washington State

Travel Insurance

The cost of travel insurance varies widely, depending on the cost and length of your trip, your age and health, and the type of trip you're taking, but expect to pay between 5% and 8% of the vacation itself. You can get estimates from various providers through InsureMyTrip.com . Enter your trip cost and dates, your age, and other information for prices from more than a dozen companies.

For U.K. citizens, insurance is always advisable when traveling in the States. Travelers who make more than one trip abroad per year may find an annual travel insurance policy works out to be cheaper. Check www.moneysupermarket.com , which compares prices across a wide range of providers for single- and multi-trip policies.

Most big travel agents offer their own insurance and may try to sell you their package when you book a holiday. Think before you sign. Britain's Consumers' Association recommends that you insist on seeing the policy and reading the fine print before buying travel insurance. The Association of British Insurers (tel. 020/7600-3333; www.abi.org.uk) gives advice by phone and publishes Holiday Insurance, a free guide to policy provisions and prices. You might also shop around for better deals: Try Columbus Direct (tel. 0870/033-9988; www.columbusdirect.net).

Trip-Cancellation Insurance -- Trip-cancellation insurance will help retrieve your money if you have to cancel a trip or depart early, or if your travel supplier goes bankrupt. Trip cancellation traditionally covers such events as sickness, natural disasters, and State Department advisories. The latest in trip-cancellation insurance is expanded hurricane coverage and "any-reason" cancellation coverage; they cost more but cover cancellations made for any reason. You won't get back 100% of your prepaid trip cost, but you'll be refunded a substantial portion. TravelSafe (tel. 888/885-7233; www.travelsafe.com) offers both types of coverage. Expedia also offers any-reason cancellation coverage for its air-hotel packages.

For details, contact one of the following recommended insurers: Access America (tel. 866/807-3982; www.accessamerica.com); Travel Guard International (tel. 800/826-4919; www.travelguard.com); Travel Insured International (tel. 800/243-3174; www.travelinsured.com); and Travelex Insurance Services (tel. 888/457-4602; www.travelex-insurance.com).

Medical Insurance -- Although it's not required of travelers, health insurance is highly recommended. Most health insurance policies cover you if you get sick away from home -- but check your coverage before you leave.

International visitors should note that unlike many European countries, the United States does not usually offer free or low-cost medical care to its citizens or visitors. Doctors and hospitals are expensive, and in most cases will require advance payment or proof of coverage before they render their services. Good policies will cover the costs of an accident, repatriation, or death. Packages such as Europ Assistance's "Worldwide Healthcare Plan" are sold by European automobile clubs and travel agencies at attractive rates. Worldwide Assistance Services, Inc. (tel. 800/777-8710; www.worldwideassistance.com) is the agent for Europ Assistance in the United States.

Though lack of health insurance may prevent you from being admitted to a hospital in nonemergencies, don't worry about being left on a street corner to die: The American way is to fix you now and bill the living daylights out of you later.

If you're ever hospitalized more than 150 miles from home, MedjetAssist (tel. 800/527-7478; www.medjetassistance.com) will pick you up and fly you to the hospital of your choice in a medically equipped and staffed aircraft 24 hours a day, 7 days a week. Annual memberships are $225 individual, $350 family; you can also purchase short-term memberships.

Canadians should check with their provincial health plan offices or call Health Canada (tel. 866/225-0709; www.hc-sc.gc.ca) to find out the extent of their coverage and what documentation and receipts they must take home in case they are treated in the United States.

Lost-Luggage Insurance -- On flights within the U.S., checked baggage is covered up to $2,500 per ticketed passenger. On flights outside the U.S. (and on U.S. portions of international trips), baggage coverage is limited to approximately $9.07 per pound, up to approximately $635 per checked bag. If you plan to check items more valuable than what's covered by the standard liability, see if your homeowner's policy covers your valuables, get baggage insurance as part of your comprehensive travel-insurance package, or buy Travel Guard's "BagTrak" product.

If your luggage is lost, immediately file a lost-luggage claim at the airport, detailing the luggage contents. Most airlines require that you report delayed, damaged, or lost baggage within 4 hours of arrival. The airlines are required to deliver luggage, once found, directly to your house or destination free of charge.

What to Do If You Get Sick Away from Home -- If you get sick, consider asking your hotel concierge to recommend a local doctor -- even his or her own. You can also try an urgent-care facility or a local hospital, many of which have walk-in clinics for emergency cases that are not life-threatening. You may not get immediate attention, but you won't pay the high price of an emergency room visit.

If you suffer from a chronic illness, consult your doctor before leaving. Pack prescription medications in your carry-on, and carry them in their original containers, with pharmacy labels -- otherwise they won't make it through airport security. Visitors from outside the U.S. should carry generic names of prescription drugs. For U.S. travelers, most reliable health-care plans provide coverage if you get sick away from home. Foreign visitors may have to pay medical costs upfront and be reimbursed later.

Note : This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.

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Explainer: Why did the Baltimore bridge collapse and what is the death toll?

What is the death toll so far, when did the baltimore bridge collapse, why did the bridge collapse, who will pay for the damage and how much will the bridge cost.

HOW LONG WILL IT TAKE TO REBUILD THE BRIDGE?

What ship hit the baltimore bridge, what do we know about the bridge that collapsed.

HOW WILL THE BRIDGE COLLAPSE IMPACT THE BALTIMORE PORT?

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Reporting by Lisa Shumaker; Writing by Lisa Shumaker; Editing by Daniel Wallis, Josie Kao and Tom Hogue

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Thomson Reuters

Lisa's journalism career spans two decades, and she currently serves as the Americas Day Editor for the Global News Desk. She played a pivotal role in tracking the COVID pandemic and leading initiatives in speed, headline writing and multimedia. She has worked closely with the finance and company news teams on major stories, such as the departures of Twitter CEO Jack Dorsey and Amazon’s Jeff Bezos and significant developments at Apple, Alphabet, Facebook and Tesla. Her dedication and hard work have been recognized with the 2010 Desk Editor of the Year award and a Journalist of the Year nomination in 2020. Lisa is passionate about visual and long-form storytelling. She holds a degree in both psychology and journalism from Penn State University.

Massive crane put in place to clear Baltimore bridge debris as crews assess damage

The biggest operational crane on the U.S. Eastern Seaboard towered over Baltimore's port on Friday, ready to begin clearing the wreckage of the Francis Scott Key Bridge days after a cargo ship crashed into it, sending the span crashing into the harbor.

What time is the total solar eclipse on April 8? Search your ZIP code for a viewing guide

Get ready for a spectacular show: A total solar eclipse will occur above the U.S. on the afternoon of April 8 .

Most Americans will be able to see it in some form, but the distance between your location and the path of totality will determine how much of the sun will be covered by the moon. Many places in the U.S. − Rochester, N.Y., Cleveland, and Austin, Texas, to name a few − will see a total eclipse, in which the sun is completely obscured. Other locations will see a partial eclipse. Search for your ZIP code below or select a major city to reveal the time, duration, peak and percentage of the eclipse in your area .

2024 solar eclipse news: Surprising early cloud forecast; 10 days to get eclipse glasses

What to know about the solar eclipse: time, how long it will last, what it will look like

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When is the solar eclipse?

On April 8 the moon will travel along the path of totality in North America starting in northern Mexico. The shadow of the moon will pass into Texas a little before 1:30 p.m. local time. It will then cover portions of the Midwest and East Coast and touch southeast Canada before it moves out to sea, according to NASA .

Learn more: What is the path of totality for the total solar eclipse? Follow as it crosses the US.

Lea en Españo l: ¿Cuál es la trayectoria de totalidad del eclipse solar total? Siga mientras cruza México y los EE. UU.

How do I know solar eclipse glasses are safe? How can I view the eclipse safely without glasses?

If you buy or are given eclipse glasses, be sure they are made by companies the  American Astronomical Society  has certified as safe .

NASA does not certify glasses , so be wary of any manufacturers claiming that to have the space agency's approval.

Eclipse glasses should all have the "ISO" (International Organization for Standardization) icon. The glasses also must have the  ISO reference number 12312-2 .

If you cannot find certified glasses , there are other ways to view the eclipse, including with a shadow box you can make yourself. Whatever you do, don't look at the sun without proper protection.

Learn more : What happens if you look at a solar eclipse? A viewing guide for this year's sky show.

Lea en Españo l: ¿Qué pasa si miras un eclipse solar? Una guía para ver el espectáculo celeste de este año.

How does an eclipse work? How often do eclipses occur? Where can I learn more about the science?

A total eclipse occurs when the moon appears the same size as the sun and blocks the entire disk, leading to a period of darkness lasting several minutes. The resulting "totality," when observers can see the outermost layer of the sun's atmosphere, known as the corona, confuses animals – nocturnal creatures stir, and bird and insects fall silent.

Learn more : A total solar eclipse will cross the US in April: Here's where and when to see it

Lea en Españo l: El eclipse solar total cruzará EE. UU. en Abril: dónde y cuándo verl

Contributing: Janet Loehrke, Javier Zarracina and Shawn J. Sullivan

Travel & Reimbursable Services

Travel & Reimbursable Expense Services  is dedicated to being experts in Travel for Washington State University, following the policies and the laws of the State of Washington.  Travel & Reimbursable Expense Services  is committed to providing exceptional operational support to our WSU partners.  Travel & Reimbursable Expense Services  strives to be knowledgeable and a well trusted resource to everyone we serve.

Travel Process

Spend authorization/prior approval.

Prior approval is required for ALL official University travel outside of the State of Washington in order for the traveler to be eligible:

• To travel on behalf of WSU, and
• To receive reimbursement for authorized and allowable expenses (see  BPPM 95.05 ).

For employees this also is required in order to be covered under WSU’s worker’s compensation insurance while in travel status

TYPE OF APPROVAL

Employee in-state travel allows for verbal approval except when:

• Requesting an exception to policy, and/or
• Travel is partially or fully funded by a third party.

All other travel requires written approval done via the  Spend Authorization  via  Workday , or a department’s substitute form. Note: Departments may have more strict policies and require written approval for all travel.

REQUIRED INFORMATION

The Spend Authorization, or the department’s substitute form, has to include:

• The traveler;
• Business purpose of the trip;
• Detailed itinerary, with dates of when the traveler will be in various locations;
• Any exceptions to policy;
• Signature of official authorized to approve travel; and
• Program/Project/Gift/Grant Number
• Cost Center/Fund/Region

Lodging Exceptions

Direct Bill Lodging

DAILY PER DIEM RATES

Daily Per Diem Rates include the total of the lodging rate plus the meals and incidentals (M&IE) rate. The rates are set by various state departments based on the locations.

• The U.S. General Services Administration (GSA) sets the  CONUS  Rates for the continental U.S.
• The Department of Defense sets the  OCONUS  Rates for Alaska, Hawaii, U.S. Territories, and Possessions.
• The State Department sets  Foreign Rates .

The following links contain additional information on per diem rates.

• Per Diem FAQs
• Washington State Per Diem Maps

LODGING RATES

CONUS and OCONUS locations do not include taxes. Only the nightly rate needs to be under the per diem amount for that location.

Foreign locations include taxes. The nightly rate, plus associated taxes, needs to be under the per diem amount for that location.

WSU MEAL BREAKDOWN

The meal rate used at WSU combines the allowance for meal and incidental expenses into a single rate. To determine the rate for the meals while in travel status, apply the below percentages to the daily Meals and Incidentals (M&I) rate:

• 25% for breakfast,
• 30% for lunch, and
• 45% for dinner.

Note:  This is to be applied to all rate schedules.

Travel Charge Cards

The WSU Travel Charge Card is a personal liability Visa card issued to WSU employees to be used for payment of expenses incurred while traveling on behalf of WSU. The benefit of the Travel Charge Card is that the employee does not have to use personal resources to pay for business trip expenses. Upon return a  Expense Report  still has to be completed and the balance on the card paid in full with the reimbursement from WSU.

For more information, policies, and forms, see: Card Programs – Travel Charge Cards

Allowable and Unallowable Expenses

Allowable expenses.

Travelers may be reimbursed for the following types of expenses while in travel status via Workday  Create Expense Report process :

LODGING (SEE  BPPM 95.06)

– Reimbursed at the actual cost up to the daily maximum allowable lodging rate in effect at the time of travel for the location.

• Shared venue lodging (i.e. AirBNB, VRBO, etc.) have been classified as commercial lodging facilities per the State and are allowable per  WSU policy as of June 2017 .
• Lodging within 50 miles of the closer of either the traveler’s official residence or official station is not reimbursable.

MEALS (SEE  BPPM 95.06 )

– Reimbursed at the meal rate in effect at the time of travel for the location. Location for overnight trips is based on where the traveler sleeps; for single day trips it is the primary destination.

• No reimbursement for alcohol.
• For single day trips that meet the 11-Hour Rule, all qualified meal reimbursements are taxable. If the  11-Hour  Rule is not met the meals are not reimbursable.
• The cost was included in a registration fee;
• The meal does not comply with dietary decisions for religious or other optional choices; or
• Example: Chose not to attend the reception and dinner at a conference.

TRANSPORTATION (SEE  BPPM 95.07 )

– When available, the tourist-class air fare is the maximum amount that is reimbursed regardless of mode chosen. Price comparisons are required when a different mode is chosen.

• Rental cars are reimbursed at rental cost and actual gas receipts (see  BPPM 95.12 ).
• WSU is not liable for any damage to the vehicle while in travel status.

MISCELLANEOUS EXPENSES ( SEE  BPPM 95.08 )

– Other expenses essential to the transaction of official state business are reimbursable to the traveler.

• Any miscellaneous travel expenses in excess of $50 must be submitted with original receipts.
• If the expense is more than $50 it should be purchased through standard purchasing channels.

CONFERENCE REGISTRATION FEES

– Reimbursed at actual cost.

DEFINED MEAL PERIOD

UNALLOWABLE EXPENSES

Personal expenses and those not essential to the transaction of official state business are not reimbursable. The following is a non-exhaustive list of expenses that are not reimbursable:

• Duty station parking
• Trip/health/travel insurance
• Medical/hospital services
• Shipping charges for any personal items
• Room service
• Any expense paid with miles/points/bitcoins
• Itinerary changes without a business purpose (i.e. change/cancellation fees, etc.)
• Expenses/fees due to negligence of the traveler (i.e. fines or parking tickets, locksmith, missed flight, etc.)
• Personal entertainment expenses, including transportation to and from the location
• Bellhop services
• Valet parking, unless it is required
• Cash paid to other traveler
• Airline club membership and fees
• Spouse/dependent expenses without a bona fide business purpose
• Fuel for personally owned vehicles
• Tolls associated with the use of high occupancy toll (HOT) lanes or associated with daily commute
• Claims associated with rental car damage when renter did not use WSU’s state contract and opted out of the loss damage coverage

Note: There may be additional restrictions based on the funding source as well.

Policy Updates

Late travel related reimbursements.

WSU follows an accountable plan, as outlined in  IRS regulation 463 . In order to meet the accountable plan per the IRS, the following three conditions must be met:

• The trip purpose on the Expense Report is needed to document this, along with an audit of the expenses and whether they are essential to the transaction of official state business. Our team will request additional information if the business purpose of the expense is unclear.
• The IRS has defined the reasonable time being within  60 days  from when the expenses are paid or incurred. WSU will use the trip end date and the date the claimant signed the Expense Report to determine if this requirement is met.
• The IRS has defined the reasonable time being within  120 days  after the expense was paid or incurred. WSU will use the date the excess reimbursement or the advance was paid to the employee to determine if this requirement is met.

Note:  If these conditions are not met, the applicable amount will be reported to Payroll Services and payroll taxes deducted from the WSU employee’s paycheck. The applicable amounts will be reported as additional taxable income in box 1 of their W-2.

PER DIEM MEAL RATES (SINGLE DAY TRIPS & OVERNIGHT TRIPS)

• For  single day trips  use the primary location of the trip.
• For  overnight trips,   IRS publication 463  requires all meals to be reimbursed at the rate in effect for the area where the traveler stops for sleep. The meal reimbursement rate for the last day of travel (return day) would continue to be the rate for the location where the traveler last stopped for sleep.
• Breakfast: 7 am thru 9 am
• Lunch: 12 pm thru 2 pm
• Dinner: 5 pm thru 7 pm

11-HOUR RULE

For non-overnight travel assignments (single day trips), a traveler may be reimbursed for meal expenses when the traveler has been in travel status for at least eleven hours.  If the 11-Hour Rule ( SAAM 10.40.50.b ) is not met, meals are not reimbursable. For non-overnight travel assignments, meal payments that are a fringe benefit are taxable on the traveler’s W2.

Helpful Resources

The following documents are helpful resources for travelers and administrators. These should be reviewed prior to traveling, or authorizing travel. Keep in mind policies change regularly and it is advised to review them periodically to ensure you are aware of updated information.

• No Cost Spend Authorizations  (Travel being paid for by separate entity—Department/Program retains this document)
• TSA Traveler Information
• OANDA Currency Converter
• Travel Bans  (PDF format)
• Mileage Calculator

WHAT CAN I DO IF I LOST MY RECEIPTS?

Complete an  Affidavit of Lost Receipt  when a receipt is lost or inadequate. The receipt is inadequate if it does not properly show detailed information of the expense, including date and time, location, vendor, amount, and that the expense had been paid in full.  Lodging and airfare that is submitted with an Affidavit of Lost Receipt will also need to have a bank statement or other proof of payment submitted along with the request.

WHAT PERSONALLY PAID TRAVEL EXPENSES CAN BE REIMBURSED PRIOR TO TRAVELING?

Reimbursements for expenses incurred prior to the trip are not allowed per state policy. If the traveler meets the travel advance requirements they can be issued an advance to defray the costs expected to be incurred for the trip. Our policy states a traveler must:

• Be an employee;
• In travel status for more than 14 days; and
• Have no outstanding advances

WSU policy also states that the traveler cannot receive the advance more than 30 days prior to the trip start date.  If the request is outside of state policy (i.e. for a student, more than 30 days prior to the trip start date, or for airfare) the advance would have to be issued on 17A funds. Advances are then cleared upon returning from the trip via a TEV substantiating the expenses.

WHERE CAN I FIND TRAINING MATERIALS ON THE WORKDAY SYSTEM?

Access training materials on the  Workday Knowledge base  website. Here you search for your specific inquires.

CAN I USE MY TRAVEL CARD TO MAKE PERSONAL PURCHASES?

The University maintains a  zero tolerance  policy for any personal usage of University Travel Charge Cards.  Because the card is issued by Washington State University for University business travel expenses, the University may cancel the card account for misuse and/or payment delinquency.

AM I ALLOWED TO HAVE A WSU STUDENT’S LODGING DIRECT BILLED TO WSU?  WHAT IF THE STUDENT ALSO HAS AN HOURLY POSITION?

Yes. Students traveling on behalf of WSU can have their lodging direct billed regardless of whether they have a hourly position.  The student’s department is responsible for making the arrangements.

IF I AM TRAVELING AND HAVE PERSONAL AUTOMOBILE TROUBLE, WILL WSU REIMBURSE ME FOR GETTING MY CAR FIXED?

WSU is not responsible for repairs to personal automobiles. The POV mileage rate that individuals are reimbursed at factors in the cost of owning and operating a vehicle, which includes maintenance and personal insurance as that is the primary coverage when choosing to travel via POV.

MAY I USE THE GOVERNMENT RATE OFFERED BY HOTELS WHEN I AM NOT TRAVELING ON BUSINESS?

If the rate is offered to all government employees, whether or not they are on official business, then yes.  If the hotel requires you to be on official business, then you cannot accept the government rate.  To do so would be to use your official position to secure a special privilege.  Reference:   WA State Ethics Board

DOES WSU HAVE INTERNATIONAL TRAVEL INSURANCE THAT INCLUDES MEDICAL EVACUATION?

WSU has coverage for faculty and staff who travel to foreign lands, with information found in the  Program Summary  and on the  Risk Management  site. If additional information is needed contact the WSU Risk Manager to get answers to specific questions. For the plan for students and their travel coverage contact  International Programs .

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• Per Diem Lookup

Privately owned vehicle (POV) mileage reimbursement rates

GSA has adjusted all POV mileage reimbursement rates effective January 1, 2024.

* Airplane nautical miles (NMs) should be converted into statute miles (SMs) or regular miles when submitting a voucher using the formula (1 NM equals 1.15077945 SMs).

For calculating the mileage difference between airports, please visit the U.S. Department of Transportation's Inter-Airport Distance website.

QUESTIONS: For all travel policy questions, email [email protected] .

Have travel policy questions? Use our ' Have a Question? ' site

PER DIEM LOOK-UP

1 choose a location.

Error, The Per Diem API is not responding. Please try again later.

No results could be found for the location you've entered.

Rates for Alaska, Hawaii, U.S. Territories and Possessions are set by the Department of Defense .

Rates for foreign countries are set by the State Department .

2 Choose a date

Rates are available between 10/1/2021 and 09/30/2024.

The End Date of your trip can not occur before the Start Date.

Traveler reimbursement is based on the location of the work activities and not the accommodations, unless lodging is not available at the work activity, then the agency may authorize the rate where lodging is obtained.

Unless otherwise specified, the per diem locality is defined as "all locations within, or entirely surrounded by, the corporate limits of the key city, including independent entities located within those boundaries."

Per diem localities with county definitions shall include "all locations within, or entirely surrounded by, the corporate limits of the key city as well as the boundaries of the listed counties, including independent entities located within the boundaries of the key city and the listed counties (unless otherwise listed separately)."

When a military installation or Government - related facility(whether or not specifically named) is located partially within more than one city or county boundary, the applicable per diem rate for the entire installation or facility is the higher of the rates which apply to the cities and / or counties, even though part(s) of such activities may be located outside the defined per diem locality.