visa free travel insurance

Schengen Travel Insurance

Traveling to a schengen area.

• Double-check the expiration date on your passport, paying particular attention to the validity of childrens passports, whic are only valid for five years.
• Make sure your passport is valid for at least six months beyond your intended return date
• Always carry your passport with you when traveling to other countries within the Schengen Area. While there may not be any border checks at the time of your travel, officials have the authority to reinstate border controls at any time, without prior notice.

Schengen Travel Insurance of which AXA is a leading provider, covers you in all 27 Countries within the Schengen Territory that have abolished internal border controls for their citizens. The countries are:

Do I need travel insurance while traveling to Schengen Countries?

What do I receive with my Schengen travel insurance?  

What countries are covered under my axa travel plan, how can axa help with your trip to europe, how to get a travel protection quote.

Receive a  free quote  within minutes Or call us at  855-327-1441  to speak with our licensed Travel Insurance Advisors. Monday-Saturday, 8AM-7PM Central Time  

Does AXA Travel Insurance provide coverage for Schengen Visa?

AXA Gold and Platinum plans offer the necessary medical and assistance coverage in all 27 countries in the Schengen Territory.   However, the Gold and Platinum plans only provide coverage up to 60 – 90days.

What should I do if I have a medical issue while in the Schengen Area?

Please contact the local authority as soon as possible. Then contact us on the phone number given with the special conditions you receive after taking out your policy. Our helpful staff will then do all we can to resolve your issue and get you treatment or travel home, in line with the conditions of your policy. If you require assistance while traveling, call us at +1312-935-1719

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

Visa Traveler

Exploring the world one country at a time

Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

One of the key requirements of Schengen visa is the travel medical insurance. The travel insurance for Schengen visa must meet certain coverage and must be valid throughout the Schengen region for the entire duration of your stay.

With a myriad of travel insurance options in the market, picking out the right policy for your Schengen visa is difficult. In this article, you will everything about Schengen visa travel insurance and how to choose a policy for your visa.

Table of Contents

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What is Schengen Travel Medical Insurance?

Schengen travel insurance is a type of insurance policy for travelers visiting the Schengen area. This type of travel insurance plan is designed specifically to comply with Schengen visa criteria of minimum coverage and validity requirements. Schengen travel insurance is also a mandatory requirement for obtaining a Schengen visa.

Who Requires Schengen Travel Health Insurance?

Visitors from visa-required countries planning to visit any Schengen country must require Schengen travel insurance.

If you are a traveler from a country that requires a visa to enter the Schengen zone, you must have a valid travel insurance policy. You must buy travel insurance not only for your Schengen visa application but also for any or all trips that you take to the Schengen area.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, obtaining travel insurance is mandatory for Schengen visa . The European Commission’s 810/2009 Regulation mandates submitting valid travel medical insurance for Schengen visa applications.

Proof of travel medical insurance is not only mandatory for the first trip, but also for all subsequent trips for multiple-entry Schengen visas.

At the time of application, you would only need to provide proof of insurance for the first entry.

What are the Schengen Visa Insurance Requirements?

As per the Article 15 of REGULATION (EC) No 810/2009 , your Schengen visa travel insurance must meet the following three criteria:

• Must cover medical expenses up to a minimum of €30,000
• Must be valid for the entire duration of your stay
• Must be valid in all 27 Schengen countries

The policy must cover all medical expenses arising from emergency medical attention, treatment, hospitalization, emergency medical evacuation, repatriation due to medical reasons and death.

Let’s look at each of those requirements in detail.

1. Minimum Coverage

Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000.

This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

This coverage is necessary to financially protect you in case of accidents, unforeseen illnesses, or other emergency situations that may arise during your travels in the Schengen area.

2. Validity Duration

Your travel insurance for the Schengen visa must remain valid for the entire duration of your stay in the Schengen area.

This travel insurance policy should cover you from the day you arrive in the Schengen area until the day you leave.

In terms of a multiple-entry visa, the Schengen visa insurance must be valid for the entire duration of your first entry only.

Here is an example:

You are applying for a multiple-entry visa and your trip is from Jan 01 to Jan 14. Your Schengen visa insurance must be valid from Jan 01 to Jan 14.

If you take another trip on the same visa, say from May 01 to May 14, then you must purchase another Schengen travel insurance at the time of your second trip.

For your visa application, you would only need to provide insurance for Jan 01 to Jan 14.

3. Validity in the Schengen Zone

Lastly, your Schengen visa travel insurance must be valid in all 27 Schengen countries. This is to make sure that you have coverage regardless of which Schengen country you visit during your trip.

Most Schengen travel insurance aggregators such as VisitorsCoverage provide insurances that are valid in the entire Schengen zone.

In fact, any insurance valid globally is acceptable for the Schengen visa. Provided, the the insurance covers at least €30,000 in all medical costs and emergencies.

What Does Schengen Visa Insurance Plan Cover?

In general, any Schengen visa insurance plan covers medical expenses, COVID-19 protection, and trip coverage.

These coverage options are designed not only to provide comprehensive protection but also to meet the Schengen visa insurance requirements.

1. Medical Coverage

Medical coverage is the most important aspect of Schengen travel insurance. It provides coverage for emergency medical expenses, accidents, and unexpected illnesses.

The coverage also includes hospitalization, emergency hospital treatment, doctor visits, prescription drugs, and other necessary medical treatments that are considered emergency and necessary.

The policy must cover at least €30,000 for the visa. But depending on your needs and activities in the Schengen area, you can opt for policies with higher coverage.

2. COVID-19 Protection

COVID protection is not mandatory for Schengen visa. But most Schengen visa travel insurance policies offer coverage for medical treatment and quarantine expenses related to COVID. COVID tests and quarantine must be prescribed by a doctor to be eligible for the coverage.

That being said, you must review the policy details to make sure that COVID protection is included. Even though it’s not mandatory, it can provide peace of mind during your trip.

3. Trip Coverage

Trip coverage is also not mandatory for Schengen visa. But most travel insurance plans provide protection against flight cancellations, delays, and lost luggage during your travels. Trip coverage will help lessen any expenses arising from trip interruptions and baggage delays.

Review the policy details to make sure comprehensive trip coverage is included. This way, you can ensure that your trip goes smoothly, even when faced with unexpected setbacks.

What Does Schengen Visa Insurance Plan Not Cover?

Though Schengen travel insurance plans provide coverage for a wide range of scenarios, there will usually be some exclusions. One common exclusion is the coverage for pre-existing medical conditions.

It’s crucial to understand the limitations and exclusions of your Schengen visa insurance policy. Let’s look into the exclusion of pre-existing medical conditions in detail.

Pre-existing Medical Conditions

Pre-existing medical conditions are generally not covered by Schengen visa insurance plans. If you have a medical condition that was present prior to the purchase of your Schengen insurance policy, any medical expenses related to that condition during the trip will not be covered.

Review the terms and conditions of your travel insurance policy to determine if any exclusions apply to pre-existing medical conditions.

Is COVID-19 Coverage Mandatory for Schengen Visa Travel Insurance?

No, COVID-19 coverage is not mandatory for Schengen visa travel insurance. But most Schengen travel insurance companies include COVID coverage in their policy.

Even though it’s not required, having COVID protection in your travel insurance can provide financial security during your Schengen trip.

It is always better to be prepared and have coverage than face challenges during the trip.

How Much Does Schengen Visa Medical Insurance Cost?

The cost of Schengen visa medical insurance varies depending on several factors, such as age, duration of your trip, total coverage amount, and the insurance company.

Schengen travel insurance from IMG Global, through VisitorsCoverage for up to 39 years of age will cost about a dollar a day. For a one-week trip, it would be about $7 USD. The cost goes up with age.

IMG Global is a US-based insurance company offering Schengen visa insurance. If you opt for a Europe-based insurance company such as Europ Assistance, the prices are even higher. A one-week insurance policy can cost about €18.

To find the most affordable insurance policy for the Schengen visa, compare different insurance providers and policies using an insurance aggregator such as VisitorsCoverage .

How to Choose the Right Travel Insurance for Schengen Visa?

With a myriad of options available in the market, choosing travel insurance for your Schengen visa can be a daunting task. To make this process easier, consider factors such as the reputation of the insurance company, coverage limits, and customer reviews.

Let’s look at each of these factors in detail.

1. Reputation of the Company

When selecting a travel insurance provider, it’s important to evaluate their reputation in the market. A reputable insurance company will have a track record of providing reliable and quality coverage, as well as excellent customer service.

You can assess the reputation of an insurance company by looking at its reviews and ratings on sites such as Trustpilot. VisitorsCoverage , for example, has a 4.7 rating on Trustpilot.

If you choose an insurance company with a strong reputation, you will have confidence in the coverage and support they provide throughout your trip.

2. Coverage Limits and Exclusions

Another important aspect to consider is the coverage limit. The policy must be Schengen visa compliant, meaning the policy must meet the minimum coverage requirement of €30,000.

Additionally, it’s important to review if there are any exclusions such as pre-existing medical conditions or other limitations.

By reviewing the coverage limits and exclusions, you can pick out a policy that is Schengen visa compliant and provide enough protection during your trip.

3. Customer Reviews and Ratings

Reviews and ratings can be invaluable resources when evaluating any product or service in the market. Travel insurance is no different. The reviews and ratings provide insight into the insurance provider’s customer service, claims process, and embassy acceptability.

By considering the experiences of other travelers you can assess the quality and reliability of the travel insurance.

4. Schengen Insurance Certificate

Lastly, the insurance company must be able to issue a Schengen insurance certificate, also called a visa letter. Submitting a visa letter along with the policy is a mandatory requirement for the Schengen visa.

This certificate confirms that your insurance policy meets the Schengen visa criteria. The certificate should include:

• Your name (as the policyholder)
• Policy number
• Total coverage amount, which should be no less than €30,000 (or $50,000)
• Dates of validity (must cover the entire duration of your stay in the Schengen area)
• Contact details for the insurance company, in case of emergencies

Where to Purchase Travel Insurance for Schengen Visa?

Travel insurance for Schengen visas can be purchased from online insurance providers, local insurance companies and travel agencies.

Local insurance companies and travel agencies can offer personalized advice. With online platforms, you can compare prices and coverage options from multiple insurers.

Regardless of where you purchase your insurance, it’s important to make sure the insurance policy meets Schengen visa insurance requirements and provides the necessary coverage for your trip.

My recommendation is to buy Schengen visa insurance from VisitorsCoverage. Their Europe Travel Plus policy is specifically designed for the Schengen visa, meeting the minimum coverage requirements and downloadable visa letter. Here is a comparison for a 33-year-old, 7 days trip to the Schengen area.

How to Purchase Travel Insurance for Schengen Visa

To purchase your travel insurance for Schengen visa, go to the VisitorsCoverage’s Europe Travel Plus plan. Enter the following details.

• Destination Country
• Citizenship
• Residence/Home country
• Coverage Start Date
• Coverage End Date
• Arrival Date
• Date of Birth
• Email Address

Click on Continue. In the deductible and policy maximum, select $0 for the deductible and $50K for the policy maximum. Then click on Continue.

In the next steps, enter your details as per your passport. Complete the payment and purchase the policy. Once your purchase is complete, you can download your visa letter.

How To Find Cheap Schengen Travel Insurance?

Finding cheap Schengen travel insurance requires research and comparison of policies and companies. I have done this already for you. VisitorsCoverage was the cheapest in my research. If you are older than 50, then you might want to check other insurance companies to see if you can find a cheaper option.

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

No. US citizens do not require Schengen insurance when traveling to the Schengen area. This is because Schengen insurance is mandatory for those that require a visa for the Schengen area. And, US citizens do not require a visa for the Schengen area.

Is Schengen travel insurance refundable?

Yes. Most Schengen visa insurance companies offer reimbursement or free cancellation in the event of visa refusal. That being said, review the terms and conditions of the insurance policy before purchasing to make sure the policy is cancellable in case of visa refusal.

Can I purchase travel insurance after obtaining a Schengen visa?

No. You must purchase travel insurance before obtaining the visa. This is because travel insurance is one of the mandatory requirements for obtaining the Schengen visa. Without purchasing travel insurance, you won’t even be able to apply for the Schengen visa.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions are usually not covered by Schengen visa insurance plans. This means that any medical expenses arising due to pre-existing conditions will not be covered during your trip. Before purchasing, review the terms and conditions of the policy to determine the exclusions.

Can I extend my travel insurance coverage if my stay in the Schengen area is prolonged?

It may be possible to extend travel insurance coverage if your stay in the Schengen area is prolonged. But it depends on the insurance company and the policy type. Review the terms and conditions and also contact the insurance provider to inquire about extensions.

Obtaining the right travel insurance is a crucial step in your Schengen visa application process. The travel insurance for Schengen visa must provide at least €30,000 coverage and must be valid throughout the Schengen region for the entire duration of your trip.

While purchasing your Schengen visa insurance, consider factors such as the provider’s reputation, coverage limits and customer reviews. Compare different travel insurance providers and policies to pick out the right insurance for your Schengen visa.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

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01. Apply for your visa

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Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

06. Get your zero-fee ATM card

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Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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Visa-Free Countries for U.S. Passport Holders

U.S. passport holders can enjoy visa-free travel to many parts of the world . The privilege of visa-free travel means U.S. passport holders can make international trips with minimal documentation.

Visa-free entry is generally granted for short tourist and business trips . Americans can avoid long visa applications and can enjoy more spontaneous travel.

An electronic travel authorization is required to visit some countries without a visa . This includes most European countries from 2025.

Get full lists of the countries Americans can visit visa-free and an overview of the documentation required on this page.

European Countries U.S. Citizens Can Visit Visa-Free

The European countries Americans can travel to visa-free can be divided into 2 groups:

• ETIAS countries
• Other European countries

Most European countries are in category 1. Americans need ETIAS to visit any of these countries . More information about ETIAS below.

ETIAS Countries for Visa-Free Travel From the U.S.

U.S. passport holders can travel to the following countries without a visa for up to 90 days in any 180-day period . From 2025, you must hold an ETIAS to travel visa-free.

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

*In the process of joining the Schengen Area, ETIAS applies.

Americans need ETIAS for visa-free travel in Europe

ETIAS is a new requirement for visa-exempt third-country nationals, including Americans. Travelers from the United States need to apply for ETIAS before visiting Schengen countries.

ETIAS is an electronic travel authorization, similar to the United States ESTA . It prescreens visa-free travelers before they arrive in the Schengen Area. The system enhances security and improves border management.

From 2025, visa-free visitors from the United States must have a valid ETIAS linked to their passport.

Other European countries U.S. Citizens Can Visit Without a Visa

ETIAS does not apply to all European countries. Americans can visit these european countries visa-free for the time specified:

U.S. passport holders should check which documents they need to travel to these countries and passport validity requirements.

Each of these European countries has its own visa policy and entry conditions.

Non-European Visa-Free Countries for U.S. Citizens

It’s not just Europe that U.S. citizens can go to without a visa . United States passport holders can enjoy visa-free entry to countries worldwide .

Below is a list of visa-free countries for U.S. passport holders , organized by region. The maximum visa-free stay is also indicated.

* Electronic Travel Authority required

Documents for Visa-Free Travel From the U.S.

Each country has different document requirements for visa-free travel . You must check exactly what you need for the countries you’re visiting.

Documents for visa-free travel from the U.S. may include:

• A valid U.S. valid for at least 6 months
• Proof of onward or return travel
• Evidence of sufficient funds for the stay
• Confirmation of accommodation
• Travel insurance (recommended, and mandatory for entry to some countries)

An entry permit such as an electronic travel authorization may also be required. ETAs are usually available online.

Visa-free policies and required documents are subject to change . Check you have the latest information for your destination.

FAQs About Visa-Free Countries for U.S. Citizens

What does visa-free travel mean for u.s. passport holders.

Visa-free travel allows U.S. passport holders to enter a country without needing a pre-arranged visa.

Visa-free travelers may be granted entry for tourism, business, or transit purposes for a set period, typically ranging from 30 to 180 days, depending on the country's regulations.

How do I know if a country is visa-free for U.S. citizens?

You can look at the table above for lists of visa-free countries for U.S. passport holders. Before traveling, you should also check the information from the embassy or consulate you wish to visit. Entry regulations are subject to change.

Will I need any other authorization for visa-free travel?

Electronic authorizations are required for U.S. citizens to travel to some visa-free countries. Americans will need ETIAS to travel to Europe from 2025, this includes top destinations such as Italy, France, and Spain.

New Zealand has a mandatory Electronic Travel Authority for U.S. passport holders.

Are there any restrictions on visa-free travel for U.S. citizens?

Yes, visa-free travel is generally for short stays only, and the duration varies by country .

Activities are also limited to tourism, business meetings, or transit. Work, study, or long-term stays typically require a visa.

What documents do I need for visa-free travel as a U.S. citizen?

For visa-free travel, you must have a valid U.S. passport , usually with at least 6 months' validity remaining. You may also need proof of sufficient funds, return or onward travel tickets, and accommodation.

Some countries may have additional entry requirements, so it's important to check before your trip.

Related Posts

ETIAS: European Visa Waiver for Americans Delayed Until 2025

SIS, VIS, and Eurodac – The Security System of the Schengen Zone

What Is the eu-LISA? How Is It Related to ETIAS?

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Travel insurance benefits offered through credit cards can include trip cancellation and interruption insurance, travel delay coverage and lost luggage reimbursement. You must pay for travel with a common carrier with your respective card for complimentary travel insurance benefits to apply. While credit cards with travel insurance can help protect your trip, they come up short when it comes to protection for emergency medical expenses.

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The card_name is a Visa Infinite card, so it includes a range of travel insurance protections you won't find with other cards. This flexible travel credit card also earns Capital One miles that can be used to book travel through Capital One or transferred to Capital One airline and hotel partners. Additional flexible redemption options include gift cards, statement credits, merchandise and more.

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Insurance disclosures

• Trip Delay Insurance - Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
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• Cell Phone Protection - Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
• Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Earns flexible Amex Membership Rewards points.
• $1,500+ in statement credits each year.
• Broadest airport lounge membership available today.
• Very good to excellent credit required.
• Statement credits can be difficult to use.
• Trip cancellation coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip interruption coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip delay coverage worth up to $500 per trip (six-hour delay required).
• Secondary rental car insurance worth up to $75,000.

‌ card_name doesn't offer as many travel insurance benefits as other premium travel credit cards on our list, but it does offer more statement credits and the broadest airport lounge membership available from a credit card. This card also earns flexible American Express Membership Rewards points that can be used for travel through Amex, point transfers to Amex airline and hotel partners, gift cards and other flexible options. Terms apply.

card_name : Best for food spending

American express® gold card.

Trip Delay Insurance - Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
• Please visit americanexpress.com/benefitsguide for more details. 
• Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty - When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• Underwritten by AMEX Assurance Company.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Points transfer to Amex airline and hotel partners.
• Comes with up to $240 in statement credits each year.
• Generous rewards for food spending and airfare.
• High APR can apply.
• Baggage insurance plan worth up to $1,250 for carry-on bags and up to $500 for checked bags ($10,000 aggregate coverage limit for residents of New York).
• Secondary auto rental coverage worth up to $50,000 per rental agreement.
• Trip delay insurance worth up to $300 per covered trip (up to two claims allowed per 12-month period).

The card_name offers a few important travel protections, plus generous rewards for big food spenders. In addition to its impressive rewards rates for purchases at U.S. supermarkets and restaurants worldwide, this card also comes with up to $240 in credits per year that can apply to select dining purchases and Uber rides or Uber Eats food deliveries.

Cardholders with the card_name also earn American Express Membership Rewards points that are highly flexible and valuable when it comes to travel redemptions.

card_name : Best for flat-rate rewards

Capital one® venture® rewards credit card.

• Earns flexible rewards with Capital One.
• Miles transfer to Capital One airline and hotel partners.
• Excellent flat rewards rate.
• Fee credit for Global Entry or TSA PreCheck membership included.
• Primary auto rental coverage worth up to the actual cash value of a vehicle if you don't have your own insurance (secondary coverage if you have your own insurance)
• Lost luggage reimbursement worth up to $3,000 per trip ($2,000 per bag for New York residents)
• Travel accident insurance worth up to $250,000

The card_name offers a few travel insurance benefits that can help protect your trip. Cardholders also earn flexible Capital One miles that can be used to book travel through Capital One or transferred to airline and hotel partners. Rewards can also be used for statement credits, gift cards and other flexible options.

The annual_fees annual fee on this card makes it a steal when you consider the sign-up bonus you can earn, along with perks like a fee credit for Global Entry or TSA PreCheck membership.

card_name : Best with no annual fee

Chase freedom unlimited®.

• Generous cash back rate for everyday purchases.
• Comes with intro APR offer.
• Rewards points are flexible.
• Points do not transfer to Chase airline and hotel partners.
• High variable APR after intro offer.
• Charges foreign transaction fees.
• Trip cancellation coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Secondary auto rental coverage.

The card_name is an excellent choice for infrequent travelers who want protection for trip cancellation and interruption first and foremost. This card doesn't charge an annual fee, and it features incredible cash back rates in several everyday spending categories. Users even get an intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration , which can help them save on interest payments for more than a year.

card_name : Best airline credit card for travel insurance

United quest℠ card.

• Earns United miles that are redeemable for flights with United and Star Alliance partners.
• Comes with frequent flyer benefits.
• Earn PQP toward elite status.
• annual_fees annual fee applies.
• Rewards inflexibility.
• Trip cancellation coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Baggage delay insurance worth up to $100 per day for three days (six-hour delay required).
• Trip delay reimbursement worth up to $500 per ticket (12-hour delay or overnight stay required).
• Primary auto rental coverage worth up to the cash value of the vehicle.

While the card_name requires a annual_fees annual fee, this card comes with a robust selection of travel insurance benefits and frequent-flyer perks. Users also earn United miles that can be used for flights with United and partners to more than 1,200 destinations in 186 countries around the world.

This card also gives members the chance to earn PQP toward elite status with the United MileagePlus program.

card_name : Best for Marriott Bonvoy

Marriott bonvoy brilliant® american express® card.

Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Automatic Platinum Elite status with Marriott Bonvoy.
• Includes a range of travel benefits and statement credit offers.
• Comes with airport lounge membership.
• Generous welcome bonus and earning rates.
• Trip cancellation insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip interruption insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip delay insurance worth up to $500 per trip (six-hour delay required) with a maximum limit of two claims per 12-month period.
• Baggage insurance plan worth up to $2,000 for checked bags and up to $3,000 for both checked and carry-on luggage ($2,000 per bag in coverage for New York residents with aggregate limit of $10,000).

The card_name offers a suite of impressive benefits Marriott Bonvoy enthusiasts will love, including annual dining credits, automatic Platinum Elite status, and a $100 property credit. Other cardholder perks help justify the annual_fees annual fee, including Priority Pass Select membership and the credit for Global Entry or TSA PreCheck membership.

This card also includes more travel insurance benefits than many other hotel credit cards on the market today.

Hilton Honors American Express Aspire Card : Best for Hilton Honors

Hilton Honors American Express Aspire Card

• Comes with automatic Hilton Diamond status.
• Range of hotel benefits and statement credits included.
• Comes with Priority Pass Select membership.
• Free night award each year.
• Several flight benefits included.
• $550 annual fee.

The Hilton Honors American Express Aspire Card offers a robust selection of benefits for air travel, airports and stays with the Hilton brand. While the $550 annual fee is high, perks like airport lounge membership, annual hotel stay credits and a free night award each year can more than make up for it. The included travel insurance benefits for this card are also generous, and they can be well worth having if you need to file a claim.

Best credit cards for travel insurance 2024: Comparison

How we chose the best credit cards for travel insurance.

To find the best credit cards for travel insurance, we looked at cards based on their included insurance benefits first and foremost. We gave preference to cards that offer trip cancellation and interruption coverage, as well as insurance for lost or delayed bags and travel delays.

We also looked for credit cards that offer the most lucrative rewards structures and welcome offers, as well as flexibility within their designated rewards programs. Other factors we took into consideration include annual fees and interest rates.

Choosing the best credit card for travel insurance: Where to begin

The best credit card for travel insurance can vary from person to person, and assessing each card based on the most important factors can help you in your search. Consider the following criteria as you select a credit card for your next trip.

Travel insurance benefits

The credit cards in this ranking offer complimentary travel insurance protections, although you have to pay for travel with your card for a trip to be covered. These benefits can include trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, trip delay insurance, primary auto rental coverage and more. Some cards even offer limited coverage for emergency medical expenses and emergency medical evacuation.

Annual fees

Credit cards with the most benefits tend to charge annual fees of $395 to $695. Meanwhile, there are some credit cards with travel insurance that charge $0 to $95 per year.

Either way, you'll want to make sure any annual fee you pay is worth it based on the travel insurance benefits, rewards and other perks you receive.

Travel perks and features

Decide if you want premium travel benefits like airport lounge access, expedited airport security or annual travel credits. If you do want a travel credit card with all the bells and whistles, prepare to pay several hundred dollars in annual fees each year.

Customer satisfaction rankings

You can also look at customer service rankings from different card issuers to determine the quality of customer service you'll receive. Consider the customer service scores below from J.D. Power's 2023 U.S. Credit Card Satisfaction Study , which were assigned by using responses from 31,418 credit card customers from August 2022 through June 2023.

Eligibility by credit score

Note that the majority of credit cards with travel insurance require very good or excellent credit. If you have poor credit or fair credit, you should focus on improving your credit score and financial health before you apply.

Rewards programs

Finally, consider the rewards rates for cards you're looking at and the type of rewards you'll earn. You'll find that credit cards with travel insurance can earn cash back, flexible rewards for travel, airline miles or hotel points.

What does travel insurance from a credit card cover?

Credit cards with travel insurance can offer different protections with their own unique coverage limits and policy limitations. The most common types of travel insurance you can get with a credit card include:

• Trip cancellation coverage : This coverage can reimburse you for prepaid travel expenses when you must cancel a trip for a covered reason like the death of an immediate family member or a sudden illness.
• Trip interruption coverage : Interruption insurance can reimburse you for prepaid travel expenses when a trip must be interrupted for a covered reason, such as falling ill during your vacation.
• T rip delay coverage : This coverage can pay for sudden hotel bills or meals when a trip is delayed by at least six or 12 hours or a delay forces an overnight stay.
• Baggage delay insurance : Baggage delay coverage can pay for clothing, toiletries and other essentials when your bags are delayed by at least six or 12 hours.
• Lost luggage reimbursement : Insurance for lost luggage can reimburse you for your baggage and belongings when your luggage is lost in transit while in the care of a common carrier.
• Rental car coverage : This protection can be primary or secondary to your own insurance, and policy limits apply.
• Medical and dental expense coverage : This protection can pay for emergency medical and dental expenses you incur when traveling away from home.
• Medical evacuation coverage : This type of travel insurance can pay for transportation in a helicopter, an ambulance or a plane when you must be medically transported due to a health emergency.
• Travel accident insurance : This coverage can kick in if you lose your life or are accidentally dismembered during a covered trip.

Pros and cons of credit card travel insurance

Credit card travel insurance comes with its share of benefits that cannot be denied, but there are downsides that come with relying on a credit card for travel insurance protection as well.

Consider these pros and cons:

Pros of credit card travel insurance

• Complimentary coverage : The biggest upside of credit card travel insurance is the fact it's offered for free. You just have to pay for travel with your credit card (or your rewards points in some cases) for coverage to apply.
• Coverage limits can be high : Some credit card insurance protections come with high limits that are enough to cover most trips.
• Can apply to family members : The best coverages apply to the primary cardholder and other companions they're traveling with, including family members.

Cons of credit card travel insurance

• Low coverage limits in some cases : Some cards have relatively low travel insurance limits that may not provide enough protection when you need it most.
• Limited coverages with some cards : Some credit cards with travel insurance only have a few kinds, so they may leave you without important protections you need.
• Minimal protection for emergency medical expenses : Only one credit card offers travel insurance for emergency medical expenses (the card_name ), and this coverage is only worth up to $2,500 when you're traveling more than 100 miles from home.

Do you need additional travel insurance?

Whether you need to buy travel insurance that applies independently of what your credit card offers depends on the type of trip you're taking and how much it costs. If you're driving a few towns away to stay in a hotel, for example, you may be fine with credit card travel insurance. The same is true if you're flying to another state for a relatively inexpensive vacation.

If you're traveling internationally where your own health insurance won't apply, however, you'll likely want to purchase a travel insurance plan that includes robust protection for emergency medical expenses and emergency medical evacuation. Expensive trips may also need travel insurance with higher limits than you can get with credit card coverage.

Frequently asked questions (FAQs)

Do credit card companies sell travel insurance.

Credit card companies do not sell travel insurance, but plenty of reputable travel insurance providers do. If you're ready to compare plans, you can check out companies like Allianz, Travelex and World Nomads.

Is travel insurance worth it for international travel?

Travel insurance is essential for international travel if you want to have coverage for emergency medical expenses and emergency medical evacuation. After all, U.S. health plans do not work overseas, nor do government healthcare programs like Medicare.

Does my Visa card cover travel insurance?

The travel insurance protections you get with a credit card depend on the exact card you have.

How do I know if my credit card covers travel insurance?

Read over your credit card's guide to benefits to find out which protections are already included. You can also call your card issuer to inquire about coverage, but make sure they send you the information in the mail.

For rates and fees of the card_name , please visit URL .

AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.

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Free travel insurance and purchase protection.

Enjoy a worry-free travel with your RCBC Credit Card.

• Free Travel Insurance And Purchase Protection
• Travel Plus

*Eligible RCBC Credit Cards: Platinum Mastercard (Black, Diamond, YGC Rewards Plus Platinum), Hexagon Club, JCB Platinum, and UnionPay Diamond

**Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms & Conditions apply.

• When shall the cover commence and end? The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.
• What is my maximum allowable benefit? Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.
• Is the item still covered when I leave the country where I purchased it? YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.
• Is Jewelry and Gems covered under this program? YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.
• Is there a deductible or participation fee when I file for a claim? Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.
• Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
• Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
• Consumable and Perishables;
• Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
• Business Property purchased to be used for business purpose;
• Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
• Livestock, pets, animal, plants or other living creatures;
• Art, antiques, firearms and collectible items;
• Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business
• Mechanical, electrical or electronic breakdown, failure or derangement;
• Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
• Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
• Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
• Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
• The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
• Mysterious disappearance or unexplained losses.
• Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
• Product defects, faulty or defective design, material or workmanship, latent defect.
• Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
• Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
• Shipping and handling expenses or installation, assembly related costs.
• Items purchased for resale, professional or commercial use.
• Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
• Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
• Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
• Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
• Items left unattended in a place to which general public as access.
• Losses due to or related to nuclear, biological or chemical event.
• Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
• The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
• Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.
• How can I claim? A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
• Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
• Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
• Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
• Police report for Theft or Stolen Item claims
• Replacement cost or repair estimates for damaged item claims

RCBC Credit Card spend on international airfare, cruise tickets, or tour packages through a travel agency originating from the Philippines are eligible for free Travel Insurance and Purchase Protection. 

Medical report Register for your free Travel Insurance when your credit card transaction is posted until/at least seven (7) working days before your trip at https://cloud.marketing.rcbcbankard.com/travelinsurance .

No. Travel Insurance registrations through the website will prompt you to enter your posted transaction date and the amount reflected in the Statement of Account or the RCBC Pulz app. Make sure to have this information ready for seamless registration.

No. In order to receive your Travel Insurance electronic Certificate of Cover (e-COC) before your flight, online registration is required at least 7 working days prior  to your scheduled flight. We strongly recommend that you register early at: https://cloud.marketing.rcbcbankard.com/travelinsurance . 

 Your international trip is covered for up to 15 calendar days. You can request added coverage from our insurance provider and pay with your RCBC Credit Card!

● Extension of cover

● Top up/upgrade to COVID cover - for Plan B ONLY. NOT APPLICABLE TO PLAN A .

● Other companion (exceeding 2).

To request for added coverage, please get in touch with MALAYAN INSURANCE:

        Email: [email protected] , [email protected]

        Telephone (632) 8628-8341/8342 , (632) 8628-8712 / Mobile (+632)920 9455119

The Insurance Provider will cover flights from the PHILIPPINES to international destinations, including those with layovers and extended/multiple stopovers in other countries. Qualified origin is from anywhere in the Philippines; the destination is another country only, not vice versa. 

Yes. Supplementary cardholders who use their RCBC Credit Card to purchase international airfare, cruise tickets, or tour packages from travel agencies are also entitled to free Travel Insurance without Purchase Protection . 

If you need travel insurance and your flight is less than 7 days away, please contact the RCBC Credit Customer Hotline at (02)8888-1888 for assistance. Please note that requests made during the travel period will not be accepted.

If you register at least 7 working days before your flight and have yet to receive your eCOC, please call the RCBC Credit Customer Hotline (02)8888-1888 or send an email to [email protected] so we can check the status of the request and provide feedback. 

General Requirements

• RCBC Credit Card used to purchase the international travel ticket
• Statement of Account showing purchase of International Airline Ticket
• International Airline Ticket/Boarding Pass
• Passport duly stamped by Bureau of Immigration (Departure and Arrival)

Personal Accident

• Medical report
• In case of death, original copy of the Death certificate and coroner’s report
• Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Medical Treatment

• Out-patient

a. Original Official Receipts

b. Medical report

c. Laboratory results (if any was done)

2. In-patient

a. Statement of Account (with breakdown)

b. Official Receipts

c. Medical Report

d. Laboratory results (if any was done)

e. Operative record and hispathology results (if surgery was done)

f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Trip Cancellation

• Medical Certificate of assured or family member
• Duplicate copy of death certificate of the immediate family member (if family member died)
• Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
• Certificate of cancellation of flight from airline
• Original receipts of pre-booked and non-refundable lodging and transportation

Emergency Trip Termination

• New ticket purchased
• Boarding passes or stamp on passport

Loss of Travel Documents

•  Notarized incident report or police report
• Document issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or travel tickets
• Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Flight Delay

• Irregularity report issued by the airline indicating the reason of the delay
• Receipts of expenses (food, lodging, transportation)

Strikes and Aircraft Hijacking

Loss of Baggage

• Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
• Police report if stolen
• Original official receipt/s of the lost baggage/s
• List of lost items with brand, model, type and corresponding amount

Baggage Delay

• Baggage irregularity report issued by the airline
• Delivery report from the airline stating the exact date and time that the baggage was retrieved
• Original official receipts of expenses incurred (on toiletries and clothing)
• Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or lost travel tickets
• If loss occurred in such circumstances, an irregularity report from the airline or a police report
• Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Free comprehensive travel insurance now available on the Latitude 28° Global Platinum Mastercard®

Latitude Financial today launched free comprehensive travel insurance for Latitude 28° Global Platinum Mastercard ® customers and their eligible family members, providing benefits if they contract COVID-19 while travelling.

For a limited time until 31 March 2022, customers booking travel will automatically unlock free domestic and comprehensive international no-excess travel insurance when they spend $1,000 or more on flights using their Latitude 28° Global.

The free comprehensive international protection includes Travel Accident, Travel Medical Benefits, Trip Inconvenience Protection, Baggage Protection and Assistance Department Services. 

The coverage related to contracting COVID-19 includes:

• covered medical expenses of up to $700,000 per person if you contract COVID-19 during an overseas covered trip and require treatment;
• non-refundable travel and accommodation deposits if you contract COVID-19 and a doctor certifies you unfit to commence or continue a covered trip;
• administrative costs of postponing a covered trip if just before departure COVID-19 forces you into compulsory quarantine.
• travel disruption due to border closures, such as the cost of additional accommodation or missed flights;
• additional costs due to quarantine.

“Travel is particularly important to our Latitude 28° Global customers and after almost two years of closed borders we are excited to support their adventures by providing comprehensive travel insurance for a limited period, on top of no annual fee and no international transaction or currency conversion fees.”

The coverage is activated for 12 months from the initial purchase of $1,000 or more on flights booked directly with an airline or travel agent in a single transaction. Other trips within this period can be covered if the entire cost of all flights is paid on Latitude 28° Global. These trips are covered if they’re up to 180 days long and completed within the original 12-month period.

For more details on the coverage in this comprehensive travel insurance, full policy details (including the terms, conditions, limits and exclusions) are available at www.28degreescard.com.au/insurance

The launch of free comprehensive travel on Latitude 28° Global, which has no annual fees, comes ahead of an expected travel boom this summer and across 2022.

Google statistics show searches for the term “travel insurance” in Australia reached a 12-month high in November as Australians seek to protect their plans.

A Latitude survey has found Australians want to travel in greater numbers than ever as borders reopen, with as many as 80 per cent planning a trip this summer.

Catching up with family and friends is the principal driver of people’s holiday plans, with the survey of 1000 Australians showing 91 per cent of respondents are looking forward to connecting with loved ones.

Holiday makers are also wanting adventure after two years of COVID-19 disruption spent in the sanctuary of their home. Seventy-six per cent of travellers are seeking active holidays, particularly where they can experience the great outdoors.

While most Australians are planning domestic travel (79 per cent), half of 18-44 year olds surveyed want to travel overseas as soon as they can, especially as more international destinations open up to fully vaccinated travellers.

Media contact

Mark Gardy [email protected] +61 412 376 817

You could also read

Latitude go offers six-months interest free in time for christmas, travel boom as nine in 10 new zealanders expected to travel this summer.

Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Travel insurance FAQs

What is the bpi credit cards travel insurance.

It is a complimentary travel insurance that is automatically issued to cardholders who used any of their qualified BPI Credit cards to purchase travel fare on any form of air, water, and land conveyance.

Who are entitled to avail the BPI Credit Card Free Travel Insurance?

Principal and supplementary cardholders are entitled to the Travel Insurance package on the following conditions: 1. Aged 69 years and under at the time of travel 2. Travel fare for principal or supplementary cardholder is charged using any of the following qualified principal/supplementary BPI  Credit card: Credit Card BPI Blue Mastercard BPI Gold Mastercard BPI Platinum Rewards Mastercard BPI Visa Signature BPI Corporate Mastercard One minor* dependent of the principal or supplementary cardholder, travelling with either or both, and whose fare is also charged on the same card on a per trip basis. *Minor dependent shall mean child of the cardholder aged 1 to 21 years old, not gainfully employed.  For Corporate Mastercard cardholders, coverage of the policy can also be applied to other passengers, for as long as: a. The travel fares are purchased on the same card, on a per trip basis; b. The passengers are employees of the same company; c. And that the additional name(s) are declared to BPI prior the trip; d. Maximum of 10 non-BPI Credit Card cardholders only, per trip.

Who is the provider of the BPI Credit Cards Travel Insurance?

The provider of BPI Credit Cards Travel Insurance is BPI/MS Insurance Corporation.

How does BPI Credit Cards Travel Insurance differ from the travel care advantage being offered by BPI MS Insurance?

BPI Credit Cards Travel Insurance is a complimentary insurance package that covers you while travelling via air, land, or water. Travel Care Advantage is a travel insurance package for the entire duration of your trip.

I already availed of the travel insurance directly with another insurance company. Am I still qualified to the BPI Credit card Travel Insurance?

Yes, as long as you charged your travel fare/ticket using your eligible BPI Credit card.

When does the travel insurance policy commence/expire?

Your coverage starts upon physical check-in or boarding, whichever is applicable and expires upon physical disembarkation from the mode of conveyance.

Is the coverage applicable for domestic and international travel?

Yes. It covers both domestic and international travel.

I will travel from Manila to Baguio by land. Am I insured if I opt to take public bus or rent-a-car service?

Yes. For public bus, you are insured as long as you are a regular fare-paying passenger and your travel fare is charged to your eigible BPI Credit Card. On the other hand, you are also insured if you choose rent-a-car service, provided that your destination covers a distance of at least sixty (60) kilometers from point of origin. This excludes Grab and other similar service provider.

How do I claim?

a. In any unlikely event, the cardholder or the cardholder’s immediate relative shall notify BPI through the 24-hour BPI Contact Center at (02) 889-10000 (Metro Manila) or domestic toll free 1-800-188-89100 (Outside Metro Manila) within three weeks from the date of incident. b. Submit all requirements to BPI MS Insurance Corporation Claims Department at 11th Floor, BPI Philam Life Building, Ayala Ave., Makati City or to any BPI MS Insurance Corporation branch near you.

What are the requirements to claim?

Please click  here  for the complete list of requirements.

Is there a participation fee?

Participation fee or deductible amount of Php 500 is only applicable for Baggage Delay and Loss. Other insurance coverage does not require any participation fee.

In case of accidental death, can my beneficiary claim the insurance proceeds from BPI even if I am already covered with full comprehensive travel insurance from another insurer?

Yes. These are two different insurance with different coverage.

What does Maximum Accumulation Limit per incident mean?

For every incident, the maximum accumulation limit is based on the type of card used.  This amount will be equally divided among cardholders who are entitled to the insurance claim. Maximum Accumulation Limit per Incident:              Php 20M  Card Type BPI Blue Mastercard, BPI Gold Mastercard, BPI Platinum Rewards, BPI Corporate Mastercard Maximum Accumulation Limit per Incident:              Php 40M  Card Type: BPI Visa Signature Example:  Three (3) cardholders charged their airfare using their BPI Gold Mastercard and boarded the same flight. In the event of a plane mishap, the maximum insurance claim of P20M will be equally divided among the cardholders’ eligible beneficiaries.

I was not able to take my scheduled flight due to illness. Can you reimburse my medical expenses?

No. Medical reimbursement excludes illness. It only covers accidental injury while on board the airline/carrier.

I arrived at my destination at 9:00 pm, but my baggage only arrived at 10:00 am the next day. Can you reimburse my clothing expenses?

Yes. Clothing expenses due to lost (robbery/fire/burglary) or beyond 12-hour delayed arrival of check-in baggage shall be covered up to a maximum limit. Incidence of lost hand-carry baggage is not included.

My flight was originally scheduled to depart at 9:00 pm, but was rescheduled to leave at 10:00 am of the next day. Can you reimburse my hotel accommodation and food expenses?

Yes. Expenses on hotel accommodation and restaurant meals incurred while waiting for more than 12 hours delayed flight departure shall be covered up to a maximum limit.  The coverage applies even with the provision of the airline/carrier.

I lost my hand-carry baggage which contains my passport, ticket, and other travel documents, will the expenses to replace my travel documents be covered?

Yes, but only the actual cost of passport replacement is covered.

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Complimentary insurances with your ANZ credit card

We often don't think about insurance until we actually need it. Whether you need it now or not, you may be eligible for some complimentary travel or shopping insurance with your ANZ credit card. Take a look and see!

What are you looking for?

• International travel insurance

Emergency and medical assistance

• Insurance booklets

How to make a claim

Important changes to complimentary insurances.

Complimentary insurances for ANZ credit cards have undergone some recent changes, which will take effect from 7 June 2024 . Please refer to your new policy booklets and our helpful FAQs for details.

See what complimentary insurances are available

Select your card category below to see what complimentary insurances you may be eligible for on your existing ANZ credit card.

• Platinum or Black cards
• ANZ First cards

For ANZ Platinum and Black credit cards:

The eligible ANZ Platinum and Black credit cards are as follows:

• ANZ Rewards Travel Adventures (no longer for sale)

Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable sub-limits and eligibility criteria that apply. disclaimer

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ Platinum or Black credit card (see list below):

• International Travel Insurance disclaimer
• Domestic Travel Insurance disclaimer
• Rental Vehicle Excess In Australia Insurance disclaimer
• Purchase Protection Insurance disclaimer
• Extended Warranty Insurance disclaimer

See your insurance booklet

For ANZ First credit cards:

The eligible ANZ First credit cards are as follows:

• ANZ First Free Days Visa
• ANZ First Low Interest Visa (no longer for sale)

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ First credit card (see list below):

International Travel Insurance

You may be eligible for up to 6 months of complimentary international travel insurance with your ANZ Black or Platinum credit card. You'll need to meet the eligibility criteria set out in your  policy information booklet including, but not limited to:

• prepayment of, at least, $250 of your travel costs before leaving Australia
• travel costs need to be charged to an ANZ Black or Platinum credit card in your name. 

Before you travel overseas, read your  policy information booklet for full eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits. disclaimer  You can also check your eligibility and obtain a Letter of Eligibility  online or by phone below.

If your condition is life threatening, please call local emergency services.

Allianz Global Assistance are on call 24 hours a day, 7 days a week. Please contact us using the following contact details:

  1800 010 075   within Australia

+61 7 3305 7465  from overseas

Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.

Email or fax

Email  [email protected]

Fax  +61 7 3305 7005

Other overseas numbers

Find the number you need from our list below

Looking for all the fine print?

Please refer to the insurance booklet relevant to your ANZ credit card for the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the Group Insurance Policy.  

Platinum/Black Insurance booklet

First Insurance booklet

Please pick any of the following options to make a claim to the Allianz Global Assistance/ANZ Travel team:

Lodge your travel claim online or obtain a claim form for other complimentary covers.

  Claim online

24 hours a day, 7 days a week

1300 135 271

8am to 5pm AEST, Monday to Friday (except public holidays)

Email [email protected]

Post your completed claim form to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066

Your questions answered

What are the main changes.

A summary of the main changes (PDF) taking place in relation to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet are:

• Wording updates to definitions and clauses
• Changes to benefit limits
• Excess will increase from $350 to $500 where excess is applicable.
• Period of cover for Platinum cardholders will reduce from 6 consecutive months to 3 consecutive months.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

A summary of the main changes (PDF) taking place in relation to the ANZ First Credit Card Complimentary Insurance Policy Information Booklet are:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

Why are the excess and benefit limits changing for International Travel Insurance?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments in line with market conditions.

Why is the period of cover changing for International Travel Insurance for Platinum cardholders?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments to reflect changing customer preferences and broader market conditions.

What happens to events occurring before 7 June 2024?

Where you want to make a claim for an insurable event that occurred before 7 June 2024 , the event will be covered under the terms of the policy in place at that time.

For ANZ Platinum and ANZ Black cardholders, if the insurable event occurred before 7 June 2024 , the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

For ANZ First Credit Card customers, if the insurable event occurred before 7 June 2024 , the ANZ First Credit Card Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

If you have any questions about how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Will this change effective from 7 June 2024 impact my current claim?

If you have any questions about an existing insurance claim or how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Important information

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the  ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the  ANZ First Credit Card Complimentary Insurance booklet (PDF)  which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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Best Travel Insurance for Visiting the U.S.

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Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Facilitating Seamless Travel: Saudi Visa Offers Hassle-Free Access for Diverse Nationalities

Riyadh, SA, 6th April 2024, In a bid to streamline international travel, Saudi Visa has introduced an innovative solution catering to the needs of diverse global citizens. With the aim of enhancing accessibility and convenience, Saudi Visa now extends its services to citizens of Hungary, Iceland, Ireland, Italy, and Japan, offering them a seamless process to obtain visas for Saudi Arabia.

Navigating through the complexities of visa applications can often be a daunting task for travelers. Recognizing this challenge, Saudi Visa has meticulously crafted a user-friendly platform that simplifies the entire visa acquisition process. By harnessing cutting-edge technology and adhering to stringent security protocols, Saudi Visa ensures swift processing times without compromising on efficiency or safety.

SAUDI VISA FOR HUNGARIAN CITIZENS

SAUDI VISA FOR ICELANDIC CITIZENS

SAUDI VISA FOR IRISH CITIZENS

SAUDI VISA FOR ITALIAN CITIZENS

SAUDI VISA FOR JAPANESE CITIZENS

With the launch of tailored services for Hungarian, Icelandic, Irish, Italian, and Japanese citizens, Saudi Visa reaffirms its commitment to fostering global connectivity. This initiative not only facilitates hassle-free travel but also strengthens diplomatic ties and promotes cultural exchange between Saudi Arabia and these nations.

Moreover, Saudi Visa’s dedication to customer satisfaction is underscored by its round-the-clock support system. Whether applicants require guidance during the application process or seek assistance post-approval, Saudi Visa’s team of seasoned professionals remains readily available to address any queries or concerns.

As the world embarks on a journey towards recovery and revitalization post-pandemic, initiatives like Saudi Visa play a pivotal role in revitalizing the travel and tourism sector. By offering an efficient and transparent visa application process, Saudi Visa empowers travelers to embark on transformative journeys, fostering mutual understanding and appreciation across borders.

About Saudi Visa:

Saudi Visa is a pioneering visa facilitation service committed to simplifying the process of obtaining visas for Saudi Arabia. With a focus on innovation and customer-centricity, Saudi Visa leverages advanced technology to deliver seamless solutions catering to the diverse needs of global travelers. Through its user-friendly platform and unwavering commitment to excellence, Saudi Visa aims to redefine the landscape of international travel, fostering connectivity and cultural exchange on a global scale.

Media Contact

James Charleton Frederick

+61 (08) 9364 3001

[email protected]

https://www.saudi-visa.org/visa/

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