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Travel Insurance Saver

Our verdict: benefit from a high cancellation cover and some other competitive limits when choosing travel insurance saver’s most comprehensive policy..

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Summary of travel insurance saver's comprehensive policy, travel insurance saver travel insurance: covid-19, what policies do travel insurance saver offer, here's a breakdown of travel insurance saver travel insurance features, standard features, optional add-on, how to make a travel insurance saver claim, here's the bottom line about travel insurance saver travel insurance, frequently asked questions.

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  • Travel Insurance Saver offers cover for COVID-19. Three of its plans cover up to $2,500 for quarantine expenses or trip cancellation if yhou're diagnosed with coronavirus.
  • Its cover limit of $12,000 for theft or damage to your luggage and personal items is one of the highest sums compared to 15 of its competitors.
  • Travel Insurance Saver covers up to $2,500,000 for personal liability . This may be fine for most travellers, but it's just half of that offered by competitors such as InsureandGo and Fast Cover.

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Table updated December 2023

Travel Insurance Saver is 1 of 26 providers that offer some cover for COVID-19. While you won't find cover for every scenario, here are some of the main benefits if you're affected before or after your trip:

  • Overseas medical including any reasonable and necessary medical expenses arising from sudden illness or serious injury
  • Medical evacuation and repatriation if medically necessary
  • Coronavirus travel costs including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus

If you want to know how other insurers handle COVID-19 claims, we've compared some of the providers that cover pandemic-related expenses .

Travel Insurance Saver has 4 international travel plans available: Comprehensive, Essentials, Bare Essentials and Annual Multi Trip. For domestic trips, there are 2 additional plans to choose from: Australia Travel and Cancellation and Additional Expenses.

Travel plane luggage passport

Comprehensive

Passport

Bare Essentials

Hiking

Annual Multi Trip

Travel Insurance Saver offers products that are underwritten by Pacific International Insurance Pty Ltd. Its policies come with a 21-day cooling-off period, which means if you decide to cancel your policy within this period, haven't yet started your trip and haven't made a claim, Travel Insurance Saver will refund your premium in full.

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Travel Insurance Saver Travel Insurance policies have a lot of benefits that can cover you for a wide variety of travel-related mishaps, from lost luggage to medical evacuation. Here are some of the key policy benefits to help you decide if it's the right provider for you:

  • Accidental death
  • Cancellation or holiday deferment costs
  • Dental expenses due to sudden and acute pain
  • Emergency travel arrangements and accommodation expenses
  • Hospital compensation
  • Loss of income
  • Luggage and personal effects
  • Medical evacuation and repatriation
  • Missed connection (special events)
  • Overseas medical expenses
  • Rental vehicle insurance excess
  • Travel delay

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Travel Insurance Saver offers a range of add-on options as well as other ways to tailor your policy. You can choose from the following:

  • Cancellation limit
  • Snow sports cover option
  • Specified items
  • Specified medical conditions
  • Variable excess

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All travel insurers have some exclusions – and most of the time, they're very similar – but you should always read your policy wording carefully to ensure nothing important is excluded. Here are a few key things Travel Insurance Saver will not cover you for:

  • Riding a motorcycle , moped or motor scooter with an engine capacity greater than 250cc, either as the person in control or as a passenger.
  • Elective or cosmetic treatment or surgery that is not medically necessary.
  • A loss that arises from you travelling against medical advice.
  • Abseiling, BASE jumping, hunting, mountaineering using support ropes, paragliding, playing polo, potholing, racing (except on foot), rock climbing or running with the bulls.
  • A loss arising from any pregnancy-related illness after the 26th week of gestation.
  • A loss arising from a member of the travelling party being intoxicated by or addicted to alcohol.
  • Any claims that resulted from recklessness
  • A loss under the Annual Multi-Trip Plan that occurs in excess of 45 days of any trip.
  • Travelling or planning to travel to a country or region that is the subject of a "Do not travel" warning issued by the Australian government.

Make sure you review Travel Insurance Saver's PDS for a detailed breakdown of what will and won't be covered .

  • Head to https://www.nibtravelinsurance.com.au/claims
  • Make a new claim by creating a new account or logging in to your existing account
  • Detail what happened and the expenses you're claiming
  • Check your email for supporting documents you need to upload
  • Submit, and you'll be contacted within 10 business days

Travel Insurance Saver's policy inclusions are much more than your bare-bones travel insurance policy. Depending on the level of cover you choose, you'll find generous cover limits for medical expenses, cancellation costs and even personal accident cover. Insurance for COVID-19 expenses is an added bonus for those worried about the pandemic waylaying their travel plans.

Personal liability cover ranges from $1,000,000 to $2,500,000 across Travel Insurance Saver's plans and is a giant step behind many other providers. This could be more than enough for some travellers, but others looking for a bit more peace of mind might find this benefit lacking.

If you're still not sure about Travel Insurance Saver, you can compare other travel insurance companies here .

What is Travel Insurance Saver?

Travel Insurance Saver is an authorised representative of nib Travel Services.

What company underwrites Travel Insurance Saver?

Travel Insurance Saver is underwritten by Pacific International Insurance Pty Ltd

What is the Travel Insurance Saver Travel Insurance phone number?

You can contact Travel Insurance Saver's customer support on 03 9427 9224.

  • Travel Insurance Saver Comprehensive, Essentials, Bare Essentials and Annual Multi Trip Travel Insurance information page
  • Travel Insurance Saver Comprehensive, Essentials, Bare Essentials and Annual Multi Trip Travel Insurance information PDF
  • Travel Insurance Saver Comprehensive, Essentials, Bare Essentials and Annual Multi Trip Travel Insurance TMD
  • Travel Insurance Saver Australia Travel and Cancellation and Additional Expenses Travel Insurance information page
  • Travel Insurance Saver Australia Travel and Cancellation and Additional Expenses Travel Insurance information PDF
  • Travel Insurance Saver Australia Travel and Cancellation and Additional Expenses Travel Insurance TMD

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Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.

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9 Responses

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I am looking for travel insurance for my mother coming from Fiji to Australia. Do you arrange for travel insurance?

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Buying travel insurance for visitors to Australia can be a bit tricky at the moment. However, this guide can help you with more information regarding your needs: Travel insurance for visitors to Australia

Best, James

have not seen in the information given asking for pre-existing medical conditions.

Thanks for leaving a question on Finder.

Our guide on travel insurance with pre-existing medical conditions looks at which condition are usually automatically covered for free, those which are not, and what to do if you are traveling with a pre-existing medical condition.

Please send us a message again if anything.

Cheers, Joel

I am going on a cruise with my husband 12night barrier reef cruise on the celebrity solstice which is an international ship with international doctors on board and need insurance a comprehensive policy including unlimited medical coverage for any unforeseen US dollar medical bills while cruising

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Hi Colleen,

Thanks for your question. I hope all is well with you today.

You may refer to our cruise travel insurance page to get quotes from travel insurers. Kindly click the green “Get a quote now” for you to view the result/s.

Please take time in reading the said page as it would help you in comparing cruise insurance options. Moreover, please make sure to read the details, as well as the relevant Product Disclosure Statements / Terms & Conditions of the insurance options before making a decision and consider which option suits your needs.

I hope this helps.

Cheers, Judith

Does the policy cover for refund of deposits of holiday package if need to cancel and return urgently due to either severe illness or unforeseen circumstance to parent.

Can I take out travel insurance before I have confirmation of departure and return dates? I’ve paid for a trip but await confirmation of it getting off the ground due to possible lack of numbers. Your help please

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Hi Madeline,

Thanks for your question. If you are planning on taking out a single trip policy, you will need to have confirmed dates. However, if you are planning on taking multiple trips over the next 12 months, it may be worth considering an annual multi-trip policy, which you can take out without having specific dates. If you would be interested in learning more about Annual Multi-Trip Insurance, please follow the link through to our Annual Multi-Trip page .

I hope this was helpful, Richard

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  • Get a policy in as little as five minutes - online or by phone
  • Cover for existing medical conditions
  • 24/7 access to emergency medical care and GP advice
  • Friendly UK customer service
  • Fast and easy online claims
  • Over 50 years of insurance expertise

Customer reviews of Travel Insurance Saver

We may not be the biggest travel insurance provider out there. But we do believe we are one of the best. And you don't just need to take our word for it. Below you can read some recent reviews from customers who have actually purchased a policy with us. Hopefully it won't take you long to realise: when we say we put our customers first, we mean it.

Our mission is to provide travel insurance that fits around your plans and leaves a little extra in your holiday budget. We do that by giving you the flexibility to choose from different levels of cover, so you never pay for extras that you don't need. On top of that we also believe in providing a fair price for travel lovers who have medical conditions.

Sounds good? See what our customers think below.

travel insurance saver reviews

Travel Insurance Saver   Reviews

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Reviews 4.8.

6,675 total

Most relevant

Good value travel insurance

Good value travel insurance. Covered all our needs at a very competitive price.

Date of experience : February 23, 2024

Good policy at a reasonable price

Good policy at a reasonable price. I did have one query about it and so contacted customer service staff before purchase and again afterwards to double check. Both were helpful and responded quickly.

Date of experience : February 09, 2024

quick and easy

hassle free , very east to follow and no problem to order

Date of experience : February 26, 2024

Found a policy that covers all my needs…

Found a policy that covers all my needs especially having pre-existing conditions. However, I do find it daunting that you have to pay a higher price even though the pre-existing conditions have been fixed.

Date of experience : February 14, 2024

Good price insurance

The initial enquiry was confusing, being told we weren't accepted, then told that wasn't correct. But then it was very good, the girl was very informative and professional. We were very happy to proceed with the transaction.

Date of experience : February 19, 2024

The questions were easy to understand…

The questions were easy to understand on the medical section.t. therefore easy to complete

Medical Insurance

Offered a straight forward questionaire and came up with three reasonable quotes for my medical problems at a price I was willing to accept.

Date of experience : February 20, 2024

Good customer service by telephone

Personally I found that approaching this company via Confused.com and Go Compare was very misleading. A direct approach, using the website and telephone, was much easier and very much more helpful. I think I now have a much better, more reassuring, and slightly cheaper deal. Who knows how any claim will turn out?

Date of experience : February 13, 2024

Easy to use and reasonable

Easy to use and doesn't take long to do. Very reasonable price for excellent cover. Highly recommend

Date of experience : February 21, 2024

Over a year ago I went into hospital with the flu ended up on critical care for 10days a heart attack and now have ckd I was in hospital for 8 weeks I'm on the road to recovery in desperate need of a holiday in the sun I tried a few travel insurance company the insurance was dearer than the holidays ..... These lovely people came to the rescue thank you

Date of experience : February 15, 2024

We were very pleased with the level of…

We were very pleased with the level of service we received I rang on Tues and asked could we have a paper copy of our insurance and good enough it came today Definitely a company to ask for a quote very helpful

Date of experience : February 18, 2024

no confusion

Straight forward sensible questions no fuss quote back in less than 10 mins

Very fast and efficient, at a reasonable price.

Easy to use

I have a few medical problems and was happy with the quote I got and very easy to do online

Date of experience : February 22, 2024

Easy to use site

Easy to use site, competitive rates for older travelers and includes various medical conditions. Seems to cover what we need but have not had our trip yet so don't know about potential claims. Will use this site again.

Date of experience : February 02, 2024

Obtaining clear and competitive quotations

The whole process of obtaining clear and explicit quotes, and then purchasing same, was very straightforward and competitively priced

Date of experience : February 28, 2024

Required cruise cover that covered…

Required cruise cover that covered certain medical conditions Easy to navigate website, and competitive prices +++++

Date of experience : March 01, 2024

Good Company easy to use no problems when on line…

easy to use no problems when on line filling in your details and requirement's, fast return with quates.

Date of experience : February 17, 2024

All done online without waiting for someone to answer the phone,

Very helpful…

The person I spoke to for a quote was very patient and helpful. Did not feel rushed or hurried at all. Was very happy with the quote. After confirming flights rang back to buy the insurance. The person on this occasion was equally courteous and helpful. They carefully checked the details before putting the sale through. Will certainly use them again and would recommend getting a qcuote from them before purchasing insurance elsewhere

Date of experience : February 01, 2024

travel insurance saver reviews

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Reviews 4.8.

6,675 total

Most relevant

Pleasant experience

Pleasant person to speak to, very patient in asking for details, clear speaking voice and very good prices compared with other companies. Answered the call quickly and overall very efficient. Will use them again

Date of experience : 28 February 2024

Covers skiing off piste within resort

Wanted 5-star Defaqto rating and the ability to ski off piste without a guide, within the resort. This policy met my needs and was easy to arrange. Now both my son and daughter have their own policies too!

Date of experience : 26 February 2024

Good experience…

Very helpful member of staff on the phone. I choose the 5 * defaqto Gold cover that seemed to have good benefit levels. A paper copy of insurance documents is provided. The price of the cover was very competitive.

Good experience

Used the service for family members going on a cruise. Good fast response, value for money and user friendly website. Highly recommend this insurer.

Date of experience : 27 February 2024

A realistic price for an OAP traveller…

A realistic price for an OAP traveller with health issues Questions relevant and easy to follow Policy emailed immediately and easy to download

I found the site quite easy to use.

I found the site quite easy to use and understand. I have not yet travelled so time will tell. A company is only as good as how they handle claims and I hope I won’t need to have that experience.

Date of experience : 29 February 2024

Easy to use the application side…

Easy to use the application side online. I had a group insurance, but I have medical problems - worried how much it would cost. Really pleased with gold cover for medical/lost property/cancellations etc. I rang to ask a couple of questions re:my medical cover. The others in my group had no medical issues and their cover was really cheap. Friendly answers put my mind at rest. Will be using this company in future. Looks like it is a small family run business - with the personal touch.

Date of experience : 18 February 2024

Professional.

It was a very straightforward experience in terms of booking and the price and cover were very good value. The real proof of the pudding will be if I have to make a claim - let's hope not.

Date of experience : 25 February 2024

Easy buying process, good price

Difficult to rate something when I haven't used it. Buying process was easy and it gives me the cover I wanted but the real test for insurance comes when you have to claim which obviously I hope I will never have to do.

Date of experience : 24 February 2024

Peace of mind.

All we require for peace of mind is in this policy at a sensible cost. We both have various medical conditions we found that some quotes were ridiculous and that Go Compare did not find any quotes. Money supermarket came up with a list and we chose Travel Insurance Saver as the one that suites us.

Date of experience : 17 February 2024

Fantastic service

I needed to cancel the insurance when I found out I was already covered by my company insurance. I requested a refund and was reimbursed fully. Very quickly. With absolutely no quibbles. Amazing service. Would definitely recommend to anyone.

Date of experience : 19 February 2024

Priced competitively

I found Travel Insurance Saver on a comparison site and they had everything I needed to cover my trip. Very easy to set up and priced competitively.

Date of experience : 23 February 2024

Speedy, simple, clear, no fuss, no excess small print or documents. Dealt efficiently with previous medical condition of some years ago. Reasonable price for where we are going.

Straightforward booking procedure and a…

Straightforward booking procedure and a competitive price. As with all insurance it is the claim process that will be the test. Hope I don’t need to test it!

Date of experience : 21 February 2024

Difficult to review as have only…

Difficult to review as have only purchased policy. Extremely helpful.Easy to use website for cruise we have booked. Only time will tell but initial signs encouraging.

Professional agents

I spoke to two agents during the quote process. Both were courteous and helpful and didn’t rush me. I was happy to accept their competitive quote. Can’t comment on claim process and hope not to experience it!

Date of experience : 20 February 2024

Straightforward website providing a…

Straightforward website providing a quick quote. Medical insurance is far too expensive generally but this company was the fairest. Have used them before and fortunately not needed to claim so it is impossible to state level of satisfaction. Hopefully we will never have to make a claim.

Date of experience : 15 February 2024

Very happy !

It was so easy and uncomplicated. I will use this company again, l am confident. I am 89 years old, fairly mobile, and not all that used to the Internet. But I need not have worried. All went well.

Seemed good value with all the…

Seemed good value with all the requirements to cover our cruise

Very straightforward online process

Very straightforward online process. Needed to make a call to customer services to clarify a declaration. Very helpful lady a good customer experience. Great price too!

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

12 Best Travel Insurance Companies of March 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

travel insurance saver reviews

Travelex Insurance Services »

travel insurance saver reviews

Allianz Travel Insurance »

travel insurance saver reviews

Seven Corners »

travel insurance saver reviews

World Nomads Travel Insurance »

travel insurance saver reviews

AXA Assistance USA »

travel insurance saver reviews

AIG Travel Guard »

travel insurance saver reviews

Generali Global Assistance »

Berkshire Hathaway Travel Protec... »

travel insurance saver reviews

HTH Travel Insurance »

travel insurance saver reviews

Trawick International »

travel insurance saver reviews

Tin Leg »

travel insurance saver reviews

Nationwide Insurance »

Why Trust Us

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

Table of Contents

  • Rating Details
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation if plans go awry. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Cancel for Any Reason Add-on
  • Seven Corners: Best for 24/7 Support When Traveling
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • AXA Assistance USA: Best for Coverage of Luggage and Personal Items
  • AIG Travel Guard: Best for Cruise Insurance
  • Generali Global Assistance: Best for Emergency Situations
  • Berkshire Hathaway Travel Protection: Best for Flight Insurance
  • HTH Travel Insurance: Best for Groups
  • Trawick International: Best for Vacation Rental Insurance
  • Tin Leg: Best for Budget-Friendly Plans
  • Nationwide Insurance: Best for Last-Minute Travel Insurance

Best Travel Insurance Companies in Detail

Travelex ».

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Coverage for preexisting conditions

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

World Nomads »

Adventure sports are covered at no additional cost

Explorer plan only promises up to $10,000 in trip protection

  • $10,000 in trip cancellation and trip interruption coverage
  • $3,000 in protection for lost, damaged or stolen baggage, tech equipment and various travel gear
  • Up to $3,000 in trip delay costs
  • $100,000 in emergency medical coverage

All plans include missed connection coverage

Premiums are on the higher end compared to other providers

  • Trip cancellation protection for 100% of the trip cost; 150% for trip interruption
  • Up to $3,000 for baggage that's been lost, damaged or stolen; $600 in bag delay coverage
  • Trip delay coverage worth $1,250
  • $250,000 in emergency medical coverage

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage

Sporting equipment coverage is included in the company's mid-tier plan

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

Berkshire Hathaway Travel Protection »

All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

Generous coverage at the mid-tier level

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Generous coverage among the plans for trip cancellation and interruption

Determining the right plan may be overwhelming, with 15-plus options to choose from

  • 100% for trip cancellation (up to $100,000); 150% for trip interruption (up to $150,000)
  • Up to $2,500 for lost, damaged or stolen bags; up to $600 for luggage delays
  • Up to $3,000 for trip delays; $1,000 for missed connections
  • Up to $250,000 for emergency medical expenses

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Variety of plans to choose from

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong spring 2024 trip to Italy for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. (add text and link to checked luggage). This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

Travel insurance works similarly to other types of insurance, except that travel insurance intends to cover unforeseeable events. In most cases, you will pay a flat fee for a policy that covers an individual trip and all its components – like airfare, your accommodations and any prepaid excursions. However, if you travel more than a few times per year, and especially if your trips are on the pricey side, you can also buy an annual travel insurance policy.

Benefits vary among travel insurance providers and policies, meaning some travel insurance plans cover more scenarios than others, and some offer higher coverage limits as well. For example, some travel insurance policies might only offer trip cancellation coverage worth up to $2,500 per traveler, while others offer the same benefit worth up to $100,000.

With this in mind, travel insurance works like other insurance plans in the sense that you can buy a basic level of coverage or full coverage that will reimburse you up to incredibly high limits. The choice is up to you, and you should decide based on how much coverage you think you need to feel secure.

However, you should keep in mind that travel insurance cannot cover every potential situation you encounter before or during a trip. Many travel insurance policies list an array of exclusions you should know about, like war or preexisting circumstances. Several policies also offer named peril coverage that only covers the situations specifically outlined in your policy.

Travel insurance may cost anywhere from $50 to $1,500 or more. The cost of travel insurance varies depending on the age of the travelers in your group, the total cost of your trip and other factors. Travel insurance for seniors is typically more costly due to the increased likelihood of health-related issues. The total cost of your trip will also help determine the cost of your travel insurance plan since more expensive trips require higher coverage limits.

Interestingly enough, the length of your trip and the destination you are visiting will not typically affect the cost of travel insurance coverage. Further, your health may not be part of the equation either, and travel insurance companies even refrain from asking health questions when you apply for a travel insurance quote. This doesn't mean that preexisting conditions will be covered, however, so you'll want to check the details.

As an example, a few sample trip insurance quotes for a married couple who are both 40 and live in New York City are below:

  • Travel insurance for an eight-day trip to Florida with a purchase price of $3,500 might run about $85 to $385.
  • Travel insurance for an eight-day trip to Mexico with a purchase price of $5,000 could cost anywhere from $120 to $415.
  • Travel insurance for an eight-day trip to the United Kingdom with a purchase price of $7,500 may cost around $185 to $575.

The price of the plan you select will depend on how much coverage you want. Keep in mind, there are plenty of companies that offer affordable travel insurance plans if your main priority is getting a policy at a budget-friendly price. See the U.S. News list of the Cheapest Travel Insurance Companies .

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or World Nomads, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance, World Nomads Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Travel Insurance Saver   Reviews

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Pleasant experience

Pleasant person to speak to, very patient in asking for details, clear speaking voice and very good prices compared with other companies. Answered the call quickly and overall very efficient. Will use them again

Date of experience : 28 February 2024

Covers skiing off piste within resort

Wanted 5-star Defaqto rating and the ability to ski off piste without a guide, within the resort. This policy met my needs and was easy to arrange. Now both my son and daughter have their own policies too!

Date of experience : 26 February 2024

Good experience…

Very helpful member of staff on the phone. I choose the 5 * defaqto Gold cover that seemed to have good benefit levels. A paper copy of insurance documents is provided. The price of the cover was very competitive.

Good experience

Used the service for family members going on a cruise. Good fast response, value for money and user friendly website. Highly recommend this insurer.

Date of experience : 27 February 2024

A realistic price for an OAP traveller…

A realistic price for an OAP traveller with health issues Questions relevant and easy to follow Policy emailed immediately and easy to download

I found the site quite easy to use.

I found the site quite easy to use and understand. I have not yet travelled so time will tell. A company is only as good as how they handle claims and I hope I won’t need to have that experience.

Date of experience : 29 February 2024

Easy to use the application side…

Easy to use the application side online. I had a group insurance, but I have medical problems - worried how much it would cost. Really pleased with gold cover for medical/lost property/cancellations etc. I rang to ask a couple of questions re:my medical cover. The others in my group had no medical issues and their cover was really cheap. Friendly answers put my mind at rest. Will be using this company in future. Looks like it is a small family run business - with the personal touch.

Date of experience : 18 February 2024

Professional.

It was a very straightforward experience in terms of booking and the price and cover were very good value. The real proof of the pudding will be if I have to make a claim - let's hope not.

Date of experience : 25 February 2024

Easy buying process, good price

Difficult to rate something when I haven't used it. Buying process was easy and it gives me the cover I wanted but the real test for insurance comes when you have to claim which obviously I hope I will never have to do.

Date of experience : 24 February 2024

Peace of mind.

All we require for peace of mind is in this policy at a sensible cost. We both have various medical conditions we found that some quotes were ridiculous and that Go Compare did not find any quotes. Money supermarket came up with a list and we chose Travel Insurance Saver as the one that suites us.

Date of experience : 17 February 2024

Fantastic service

I needed to cancel the insurance when I found out I was already covered by my company insurance. I requested a refund and was reimbursed fully. Very quickly. With absolutely no quibbles. Amazing service. Would definitely recommend to anyone.

Date of experience : 19 February 2024

Priced competitively

I found Travel Insurance Saver on a comparison site and they had everything I needed to cover my trip. Very easy to set up and priced competitively.

Date of experience : 23 February 2024

Speedy, simple, clear, no fuss, no excess small print or documents. Dealt efficiently with previous medical condition of some years ago. Reasonable price for where we are going.

Straightforward booking procedure and a…

Straightforward booking procedure and a competitive price. As with all insurance it is the claim process that will be the test. Hope I don’t need to test it!

Date of experience : 21 February 2024

Difficult to review as have only…

Difficult to review as have only purchased policy. Extremely helpful.Easy to use website for cruise we have booked. Only time will tell but initial signs encouraging.

Professional agents

I spoke to two agents during the quote process. Both were courteous and helpful and didn’t rush me. I was happy to accept their competitive quote. Can’t comment on claim process and hope not to experience it!

Date of experience : 20 February 2024

Straightforward website providing a…

Straightforward website providing a quick quote. Medical insurance is far too expensive generally but this company was the fairest. Have used them before and fortunately not needed to claim so it is impossible to state level of satisfaction. Hopefully we will never have to make a claim.

Date of experience : 15 February 2024

Very happy !

It was so easy and uncomplicated. I will use this company again, l am confident. I am 89 years old, fairly mobile, and not all that used to the Internet. But I need not have worried. All went well.

Seemed good value with all the…

Seemed good value with all the requirements to cover our cruise

Very straightforward online process

Very straightforward online process. Needed to make a call to customer services to clarify a declaration. Very helpful lady a good customer experience. Great price too!

  • Nationwide Travel Insurance
  • AXA Assistance USA
  • Travel Guard
  • Berkshire Hathaway Travel Protection
  • Tin Leg Travel Insurance
  • WorldTrips Travel Insurance
  • Trawick International Travel Insurance
  • Travelex Travel Insurance

Travel Insurance Tips

  • Why You Should Trust Us

Ultimate Guide to Choosing the Best Travel Insurance

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this travel insurance guide, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Runner-Up
  • Travel Guard : Best for Cruises
  • Berkshire Hathaway Travel Protection : Best Reputation
  • Tin Leg Travel Insurance : Best for Travelers with Preexisting Conditions
  • WorldTrips Travel Insurance : Best for Digital Nomads
  • Trawick International Travel Insurance : Best Low-Cost Option
  • Travelex Travel Insurance : Best for Road Trips

Compare the Top Travel Insurance Offers

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

AXA AXA Assistance USA

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

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

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

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Berkshire Hathaway Berkshire Hathaway Travel Protection

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
  • con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
  • con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
  • con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

  • This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
  • Travelers can file claims directly from a smartphone by using the BHTP app

TinLeg Tin Leg Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

  • Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

WorldTrips WorldTrips Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
  • con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
  • con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
  • con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

  • Travel medical insurance (Premium, Group, Annual, and International Student options)
  • Trip cancellation insurance
  • Trip protection insurance

Trawick Trawick International Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Travelex Travelex Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

Best Travel Insurance Reviews

Best overall travel insurance: nationwide travel insurance.

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Nationwide Travel Insurance Review

Runner-Up: AXA Assistance USA Travel Insurance

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

AXA Assistance USA Travel Insurance Review

AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

AIG Travel Guard Review

Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection  helps travelers make the best of bad situations by simplifying the process of filing a claim down to a simple photo snap and some basic paperwork submitted directly through a dedicated app.

Approved claims are also paid out very rapidly, making it easier to carry through with a trip when luggage has been lost or alternative travel plans need to be made on the fly.

Berkshire Hathaway Travel Insurance Review

Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Thanks to coverage for preexisting medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Tin Leg Travel Insurance Review .

Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

WorldTrips Travel Insurance Review

Best Low-Cost Travel Insurance Option: Trawick International Travel Insurance

Trawick International Travel Insurance  is another medically robust insurance provider that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Trawick Travel Insurance Review

Best Travel Insurance for Road Trips: Travelex Travel Insurance

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

The Travelex American plan is meant for trips limited to the US, but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the US for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Travelex Travel Insurance Review

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about the financial aspect of receiving medical care while traveling , even in the most remote corners of the globe.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away.

Choosing Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip, make sure your policy will cover you in that situation before purchasing it.

Most comprehensive travel insurance policies include medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with preexisting conditions, so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Why You Should Trust Us: How We Chose The Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award 5 stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2022 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the US Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

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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These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

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Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

  • Best for families with young children : Allianz   
  • Best for affordability : Faye   
  • Best for CFAR coverage : Travel Insured International  
  • Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

  • Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
  • Limited coverage for risky sports

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

  • Covers Covid like any other medical condition
  • CFAR is available for up to 75% of trip costs for an additional cost.
  • Additional coverage options like vacation rental damage coverage and pet care coverage.
  • Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

  • Optional CFAR coverage and interruption for any reason coverage
  • Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

  • Wide variety of policies available
  • Strong financial strength rating by AM Best
  • Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

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  • Travel Insured International Travel Insurance Review

On This Page

  • Key takeaways

Is Travel Insured International legit?

  • Bottom line Main highlights of Travel Insured International travel insurance

Travel Insured International travel insurance plans & coverage

Things not covered by travel insured international travel insurance, cost of travel insured international travel insurance plans, travel insured international travel insurance reviews from customers, is travel insured international travel insurance worth it, faq: travel insured international travel insurance, related topics.

Travel Insured International Review for 2024

Hayley Harrison

With over 25 years in the industry and an impressive A+ rating from the Better Business Bureau , Travel Insured International stands out as a reliable choice for a travel insurance provider.

The company caters to various travel needs by offering flexible plans and comprehensive coverage options .

In this guide, we’ll explore Travel Insured International’s insurance plans and customer experiences to help you determine if it’s the right fit for your travel insurance needs.

  • Travel Insured International is a well-established travel insurance provider with over 25 years of experience .
  • Travel Insured International offers three travel insurance plans .
  • Though they vary in coverage, they all include protection for trip cancellation, delays, medical evacuations and lost baggage . 
  • You can purchase add-ons to further extend your coverage . These include cancel for any reason (CFAR) coverage, rental car damage coverage, event ticket registration fee protection and coverage for work-related cancellations.
  • To compare multiple plans and find the one that best suits your needs, we recommend using our online comparison tool .
  • Annual and single-trip policies are available
  • High non-medical evacuation coverage
  • Travel and baggage delay coverage after only 3-hour delays
  • Travel inconvenience upgrades available
  • Basic plan offers only medical coverage for seniors
  • Limited medical coverage compared to competitors

Yes, Travel Insured International is a completely legit and great travel insurance provider . It’s a veteran of the industry with over 25 years of experience insuring travelers on trips around the world. 

The Better Business Bureau awarded Travel Insured International an A+ rating and accreditation as a sign of its longtime history of industry savvy and attentive customer service. Plus, it’s backed by Crum & Forster, an insurance company in operation since 1822. 

For an in-depth look at the benefits of Travel Insured International’s travel insurance, take a look at the highlights below. 

Bottom line: Main highlights of Travel Insured International travel insurance

One of Travel Insured International’s main benefits is its flexibility. 

The provider offers a wide range of plans for travelers to choose from. Some plans even offer free coverage for children , making this a great option for families.

Travel Insured International plans offer primary coverage with high medical and medical evacuation limits , thus casting a wide net of protection should an incident occur and giving you greater peace of mind in light of unexpected events.

Travel Insured International offers three single-trip insurance policies through our comparison tool . 

These plans vary in specific coverage, though they all offer compensation for trip cancellation, delays, medical evacuations and lost baggage.

Travel Insured International

Here’s a quick overview of each plan and its range of coverage:

Worldwide Trip Protector:

This plan comes with numerous benefits, including 100% trip cancellation, 150% trip interruption, $100,000 for medical expenses, emergency medical evacuation coverage and missed connection protection. It’s a good plan for well-rounded coverage that includes many common travel mishaps.

Worldwide Trip Protector Plus:

This policy also offers 100% trip cancellation coverage , 150% trip interruption and $100,000 for medical expenses. Other benefits are cancel for any reason and interrupt for any reason coverage (CFAR and IFAR, respectively), meaning you can be reimbursed if your trip is cut short or called off. Also included is rental car damage protection, which can be added to the other two plans for an additional fee. Though more expensive, this option is good for those who want an extra layer of protection.

Worldwide Trip Protector Edge:

Included in this plan is 100% trip cancellation, 100% trip interruption, $10,000 for medical expenses, $100,000 for medical evacuation and $750 for baggage protection. Some benefits, like those for medical expenses and evacuation, can be increased with an optional upgrade. Though it has fewer benefits than the previous two plans, this budget-friendly policy is customizable for those who want more control over their coverage.

Here is a brief look at how each plan differs:

Travel Insured International also offers one annual multi-trip travel insurance policy , the Annual Multi-Trip Protector. This policy includes coverage for medical expenses and evacuation as well as typical post-departure benefits like trip interruption and loss of personal belongings. Unlike single-trip coverage, this policy has an extended term and protects any trip you take during that window. 

Optional add-ons

For greater protection during your trip, Travel Insured International offers several add-on benefits . These aren’t typically included in standard insurance policies but will extend coverage even further for an additional fee. Here are four upgrades you can add to your plan:

Cancel for any reason (CFAR) 

Even with extensive planning, sometimes a trip must be unexpectedly canceled. To protect against surprise cancellations, consider adding cancel for any reason coverage  to your travel insurance plan. With this benefit, you’re eligible for reimbursement of nonrefundable trip costs that aren’t otherwise covered by your policy.

Rental car damage coverage 

This optional add-on keeps you protected in the event your rental car is damaged or stolen. Covered damage includes collisions, vandalism, natural disasters and any other situation beyond your control that occurs while the car is in your possession. If you plan to rent a car during your trip, this add-on might be a worthy addition to your insurance policy. At Travel Insured International, the maximum benefit amount for rental car coverage ranges from $25,000 to $50,000.

Event ticket registration fee protection 

If a ticketed event is part of your trip itinerary, you might consider adding registration fee protection to your travel insurance plan. This optional coverage can be tacked on to any Worldwide Trip Protector policy and will reimburse you for the cost of unused event tickets or registration fees. To be eligible, your tickets must be listed as nonrefundable by their distributor, and your reason for not attending the event must be on the list of covered unforeseen circumstances. If this is the case, you may receive up to $1,000 worth of reimbursements.

Cancel for work reasons 

Unexpected work obligations can put a hold on your travel plans, potentially leaving you at a financial loss. If you think work might pull you away from your trip, extra coverage for work-related cancellations may be a useful addition to your plan. With this add-on, the full cost of your trip can be reimbursed, assuming your situation falls under the list of covered scenarios, which includes being required to work on the trip. For this coverage, the maximum benefit amount is 75% of the total trip cost.

Like any travel insurance policy, some benefits aren’t included in Travel Insured International’s plans. 

Depending on the policy you choose, things that aren’t covered include:  

  • Loss of audio or visual aids, like eyeglasses, contacts or hearing aids 
  • Injuries caused by self-harm 
  • Losses incurred while you were under the influence of drugs or alcohol 
  • Injuries caused by participation in extreme activities (think skydiving) 
  • Routine check-ups or dental exams 
  • Mental health emergencies, unless they require hospitalization

According to our sales data, visitors who purchased a Travel Insured International plan through our website spend an average of $102 for travel insurance for a two-week trip. This equates to an average cost of $8.58 per day for travel insurance .

To give you a better idea of how much plans from Travel Insured International cost, we got multiple quotes for each plan to five different countries and found the average cost for each.

Average Cost of Travel Insured International Plans

While these serve as an estimate, keep in mind that these numbers are for example purposes only, and your own costs will vary based on the specific parameters of your trip. We recommend getting a quote for updated pricing.

Methodology for reaching these averages:

We applied the following parameters to each quote:

  • Total trip cost : $2,000
  • Trip duration : Seven days
  • Time of trip : September 2024
  • Destinations: The Bahamas , Italy , Mexico , Thailand , & Kenya

Since your state of residence determines which plans are available, we got quotes in California for the Worldwide Trip Protector plan and the Worldwide Trip Protector Edge. For the Worldwide Trip Protector Plus plan, our quotes were based on a resident of New York.

Taking a trip insured by Travel Insurance International gives customers a unique perspective of the company’s effectiveness. If you’re considering a plan from this provider, customer reviews can help you make a more informed decision. 

On Squaremouth , Travel Insured International has more than 3,300 reviews with an overall rating of 4.39 out of five .

Here’s what customers like and dislike about Travel Insured International.

What customers like

Customers have plenty of good things to say about Travel Insured International. Some commonly mentioned positives are:

  • Flexibility 
  • Comprehensive policies 
  • Knowledgeable staff 

“Very knowledgeable staff when you call. Have used before and will use again. Very flexible options from medical only to full trip cancelation coverage.” -  Howard

“The settlement was exactly as we had expected based on our documentation and receipts.” -  Kathleen

What customers don’t like

Some customers had less-than-stellar experiences. Some frequently mentioned areas for improvement include:

  • Hard-to-reach customer service 
  • Tedious claims process 
  • Miscommunication 

“Horrible customer service. Took days for a reply to email. Never was able to get it resolved before I left.” -  Kathryn  

“Our trip was interrupted due to COVID. I expected some help from their “concierge” line, but after waiting 50 minutes on hold I received nothing except “file a claim once you’re home.” Literally zero help arranging alternate transportation or hotel.” -  Joseph

Overall, Travel Insured International is undoubtedly a high-quality travel insurance provider. 

With a thorough range of benefits and an extensive list of optional add-ons, it’s clear why the company is a top-rated insurance provider among travelers. Its three policies each cover a standard selection of vacation mishaps, including trip cancellation and interruption, medical expenses and lost baggage. 

If you’re looking for an excellent range of coverage with customizable add-ons and family-friendly prices, Travel Insured International may be the right provider for your next trip . If you’re looking for higher maximum limits and easier claims processes, however, you might be better off looking elsewhere for your travel insurance.

What is covered under Travel Insured International insurance?

The policies offered by Travel Insured International vary in coverage. Depending on your chosen plan, you can expect insurance benefits designed to protect your health, finances and personal belongings. 

Covered items include:  

  • Trip cancellation and interruption 
  • Missed connections 
  • Rewards points reimbursement 
  • Nonmedical evacuation 
  • Accident and sickness expenses 
  • Lost or stolen baggage 
  • Baggage delay

Does Travel Insured International travel insurance cover COVID-19?

Yes, COVID-19 is included in Travel Insured International’s coverage . This insurance provider treats COVID-19 as it would any other sickness, meaning you’re covered for a range of losses that it might lead to. This includes things like trip interruption or cancellation, medical evacuation and medical expenses. For some plans, medical insurance terms require the COVID-19 diagnosis to be confirmed by a physician rather than relying on the results of an at-home test. 

The same guidelines that dictate whether an illness counts as a pre-existing condition apply to cases of COVID-19. If your chosen plan includes a pre-existing medical condition exclusion waiver , any losses that occur are likely to be covered.

Does Travel Insured International offer ‘cancel for any reason’ coverage?

Cancel for any reason coverage, or CFAR, is available as an optional add-on to most plans at Travel Insured International. Under this coverage, you’re eligible for reimbursement of any unused, nonrefundable payments or deposits you made when planning your trip. If your trip is canceled for reasons not otherwise covered in the plan, you can recover a portion of the trip cost up to the set maximum benefit amount. 

CFAR applies only when it’s added to your plan during a specified time period and the trip is canceled no later than 48 hours before your scheduled departure. It’s important to note that this doesn’t cover travel arrangements paid for but not provided by a third-party travel agency.

Does Travel Insured International have international travel insurance?

Yes, Travel Insured International offers travel insurance for international trips. This means your coverage will remain in effect when you’re outside your home country, so any sickness or accidents you incur abroad are likely eligible for coverage. Some benefits, like emergency medical evacuation, are included specifically for international travelers.

Hayley Harrison

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers help make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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Policy Details

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Medical questions ambiguous

Some medical questions online on ALL travel ins sites are ambiguous therefore rang to spk to Customer Services who couldn't have been more helpful. I had actually answered correctly online but it was v helpful to have this confirmed.

Date of experience : 08 February 2024

Easy to apply on line

Easy to apply on line, and helpful staff.

Date of experience : 01 March 2024

An insurance company that insures pre existing medical conditions and older skiers

Trying to find an insurance company that would insure a pre existing medical condition and my age group for skiing was difficult. Travel Insurance Saver came up trumps.

Date of experience : 16 February 2024

Impressed with the prompt and efficient…

Impressed with the prompt and efficient handling of my booking of a cruise in upcoming May. Would be happy to comment further, after the cruise.

Date of experience : 14 February 2024

Good website easy to navigate good…

Good website easy to navigate good selection of options at reasonable prices.

Date of experience : 25 February 2024

Travel Insurance Saver was so…

Travel Insurance Saver was stress-free to deal with. I listed my pre-existing conditions, and I was accepted for cover. I am pleased with their level of respect for their customers. The cover is quite generous and realistic. I would use them again.

Date of experience : 31 January 2024

The quote was extremely competitive.

The quote was extremely competitive. The online booking was child's play. Confirmation was immediate. Excellent service so far. I cannot comment on the claims procedure as I have never made a claim. Whether they actually pay claims as efficiently, I can only hope they do should I need to make one in the future.

Date of experience : 23 January 2024

I done this thru the Internet

I done this thru the Internet. I then phoned and spoke to a lady about something I wasn't sure about. She was very helpful and reassuring. The price was great and it was very easy to do.

Date of experience : 15 February 2024

Getting the policy and the query I had…

Getting the policy and the query I had were very good have not had our trip yet so unable to comment about any potential claim. However will use again as very competitive price particularly for older travellers with pre existing medical conditions.

Date of experience : 06 February 2024

Good prices (although due to medical…

Good prices (although due to medical conditions expensive policy for cruise), excellent process to book and received all documents very promptly and complete.

Date of experience : 21 February 2024

Easy to use site cheaper than many…

Easy to use site cheaper than many others and immediate response to email requesting a paper copy of my policy.

Easy travel insurance

Easy forms to fill in, also covers airline failure and end failure which a lot of others don't, booked as a group so far so good, hopefully won't need to use

My rating is based on my early…

My rating is based on my early experience at which time I was uncertain why the cover I was being offered omitted certain facts which had not been included in the questions asked. As a result, I telephoned the company to explain my concern and the schedule was adjusted to include River Cruise cover. The service I received was friendly and efficient, and the revised documents arrived promptly. I trust that those documents will be formally acknowledged by the organisers of our forthcoming Easter Holiday.

Date of experience : 10 February 2024

Very comprehensive price and gave me…

Very comprehensive price and gave me piece of mind with what they had to offer

Date of experience : 20 February 2024

Cruise insurance

Very easy app for booking my cruise insurance. Great communications. Once I had booked received email with all the necessary docs to download and print off. All necessary contact numbers very clear

Date of experience : 02 February 2024

Very easy to follow & fill in the form…

Very easy to follow & fill in the form I was quoted the best price compared to other insurers

straight forward getting it...

straight forward getting it.... will see if the product any good if shvt hits the fan, then we shall see if the product and indeed the company any good until then its meeeh

I needed medical travel insurance and…

I needed medical travel insurance and this company came up as the best cover. Its given us a lot more for our price, really pleased and will use them again. Family silver cover.

Very impressed.

Simply the best on all fronts so far. Feel confident that we shall be able to say the same as soon as we get back home. Hope the necessity to do so doesn’t become a reality though.

Holiday insurance sorted

Just went on comparison site and chose this policy as it offered all we wanted and was best value for money and was defacto rated 5 star

Date of experience : 07 February 2024

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The Chase Sapphire Reserve Review

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

The upgraded version of the Chase Sapphire Preferred, the card_name is my one of my favorite premium cards. It offers a lot of fantastic perks for avid travelers.

While The Platinum Card® from American Express gets all the fanfare in terms of luxury rewards cards , I personally prefer the Chase Sapphire Reserve. It comes with better points-earning bonus categories; more practical, everyday perks (which I’ll get into below); and more comprehensive travel insurance.

Today, I want to share a bit more about this card so you can determine whether it’s the right card for you.

Table of Contents

What is the Chase Sapphire Reserve?

Chase sapphire reserve travel insurance, using your chase ultimate rewards® points, taking advantage of chase’s transfer partners, chase sapphire reserve vs chase sapphire preferred, pros of the chase sapphire reserve, cons of the chase sapphire reserve, who is the chase sapphire reserve for.

The card_name (often referred to as CSR) is a travel rewards card issued by Chase. The card comes with a $550 USD annual fee and a host of benefits like lounge access, travel insurance, and an array of statement credits. When used right, these benefits can be worth much more than the annual fee.

One of those benefits is a $300 USD annual travel credit that is very easy to get, effectively reducing the annual fee to a more reasonable $250 USD. You don’t need to do anything extreme to receive this benefit either; the first $300 USD per year that you spend on travel is simply erased from your statement.

Chase also has a very broad definition of what it classifies as travel, making it easy to take advantage of this credit (even parking garages count towards it). According to Chase, they classify travel purchases as including:

“airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.”

So, the first $300 USD of purchases you make in any of these categories will be removed from your statement, and after that, you’ll earn 3x points on these purchases.

And that’s just one benefit of the card. When you sign up for this card, you’ll get:

  • 60,000 points (after spending $4,000 in the first 3 months)
  • $300 annual travel credit
  • 3x points on travel (earned after earning your $300 annual travel credit)
  • 3x points on dining, including eligible delivery services and takeout
  • 5x points on flights when booked through Chase
  • 10x points on hotels and rental cars when booked through Chase
  • 10x points on Lyft + 2-year Lyft Pink membership
  • Priority Pass Membership and access to Sapphire Lounges by The Club
  • $100 credit toward Global Entry or TSA Pre-Check every 4 years
  • 1 year of complimentary Instacart+ membership (includes up to $15 in statement credits each month through July 2024)
  • Complimentary DashPass membership (includes $5 in DoorDash credits each month)
  • Travel insurance including emergency medical and dental coverage, emergency evacuation insurance, trip delay coverage, primary car rental insurance, lost luggage reimbursement, and trip cancellation insurance
  • No foreign transaction fees

The card_name also offers the most comprehensive travel insurance out of any credit card and is one of the only ones to include any kind of medical insurance. It’s my top pick as the best credit card for travel insurance .

As a Visa Infinite® card, the Chase Sapphire Reserve’s travel insurance includes the following:

  • Primary car rental insurance up to $75,000 USD
  • Travel accident insurance up to $1,000,000 USD
  • Trip cancelation/interruption coverage up to $10,000 USD per person and $20,000 USD per trip
  • Trip delay coverage of $500 USD after delays of six hours or more
  • Lost luggage coverage up to $3,000 USD
  • $100 per day for up to five days if your baggage is delayed
  • Emergency medical and dental coverage up to $2,500 USD for treatment (minus a $50 USD deductible)
  • Emergency evacuation insurance up to $100,000 USD

While I always recommend purchasing a separate travel insurance policy , having coverage through your credit card is an added benefit that you get at no additional cost.

With this card, you’ll earn Chase Ultimate Rewards® points. You can use those points like you would any other rewards program: to get cash back, book travel directly, or transfer them to travel partners. You can also redeem them for Amazon or Apple purchases, but these are bad redemption values and I would not recommend using points this way.

The easiest option is to redeem your points for travel in the Chase Travel portal, which works like booking through Expedia or any other online travel agency. When you do this, you’re basically using your points as cash, at a value of 1.5 cents per point. So, for example, if you have 50,000 points, they’ll be worth 75,000 points when redeemed through the portal. This is a better value than if you simply redeem your points directly as cash, as you’ll only get a value of 1 cent per point that way.

Using your points in the Chase Travel portal is very straightforward, making it an attractive option for points and miles newbies . If this is the only way that you’ll use your points, then using them is better than letting them sit around!

Just know that there are pros and cons to using the travel portal. Namely, you can usually get more for your points when you transfer them to Chase’s 14 transfer partners (which is what you should be doing with your points).

The ability to transfer to its partners is what makes Chase Ultimate Rewards® points so valuable. You can usually find airline and hotel redemptions where you can get much more than 1.5 cents per point. While the actual value you can get varies greatly based on flight or hotel, a good benchmark is The Points Guy’s monthly valuation chart , which values Chase Ultimate Rewards® points at over 2 cents per point when used as transferable points.

To give a real-life example, the 50,000 points from the example above could be an off-peak, round-trip economy fare from New York to Paris when redeemed through the portal. But if you transfer points to one of Chase’s partner airlines, you can take advantage of flash deals and saver space, potentially finding the same fare for up to 50% less points. Unless it’s a super cheap flight or hotel room (less than $150 USD), I always transfer points to their travel partners, especially when booking business class flights or fancy hotel rooms. You just get more bang for your buck.

Transferring to airline and hotel partners is a bit more work than using the portal, but there are more tools than ever to help you maximize your points. For example, you can use point.me for finding flights with points and Awayz for finding award hotel stays.

Chase’s current transfer partners are:

Airline Transfer Partners:

  • Aer Lingus, AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club

Hotel Travel Partners:

  • IHG® Rewards Club
  • Marriott Bonvoy®
  • World of Hyatt®

By this point, you might be wondering what makes this card different from its sibling, the Chase Sapphire Preferred . Both cards currently have the same welcome offer: 60,000 points after you spend $4,000 in the first 3 months of account opening. Both also earn 3x points on dining. You also get travel insurance with both cards, though the insurance offered with the Reserve is much more comprehensive.

Given all that, is the Reserve really worth the higher annual fee?

Ultimately, that’s up to you to decide based on your spending, travel habits, and whether you value the Reserve’s extra perks and benefits. But keep in mind that the real difference in cost between these two cards is only $155 USD per year. Sure, that’s considering the $300 USD annual travel credit on the Reserve, but I’m guessing that anyone thinking of getting a travel rewards card spends at least $300 USD on travel per year. And if you do, you’re likely to come out ahead with the Chase Sapphire Reserve due to the ability to earn points faster, use statement credits, and take advantage of luxury perks like airport lounge access.

Here’s a quick cheat sheet of the main differences:

  • Great rewards-earning rates
  • Large welcome offer
  • $300 USD travel credit
  • 14 fantastic transfer partners
  • Excellent travel insurance
  • Statement credits for Global Entry/TSA Precheck (every 4 years)
  • Airport lounge access through Priority Pass membership and access to Sapphire lounges
  • Complimentary memberships (including Lyft Pink, DashPass, InstaCart)
  • Large annual fee ($550 USD per year)
  • $75 USD authorized user fee

This card is best for frequent travelers. If you get this card, you’ll want to be able take advantage of the card’s accelerated earning rates on travel and dining, travel statement credits, and other travel-specific benefits. You’ll get even more out of this card if you value perks like airport lounge access and expediting your airport experience through Global Entry/TSA Precheck, and will transfer your points to one of Chase’s transfer partners.

If you’re only a semi-regular traveler, you might be better served by the Chase Sapphire Preferred. This comprehensive review has everything you need to know about that card .

The card_name is one of the best travel rewards cards out there. It comes with a high welcome offer, lots of perks, and robust points-earning capabilities so that you can quickly stack up valuable Chase Ultimate Rewards points. You get a ton of value with this card. I think it’s worth a spot in the wallet of any frequent traveler.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

  • SafetyWing (best for everyone)
  • Insure My Trip (for those 70 and over)
  • Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Ready to Book Your Trip? Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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SO EASY TO SET UP NEW HOLIDAY iNSURANCE…

SO EASY TO SET UP NEW HOLIDAY iNSURANCE POLICY

Date of experience : 10 October 2019

easy to use and follow

Very quick to short out good value, easy to fill in forms and quick., travel insurance over 60.

Everything about my application was very straightforward , clear and concise the whole procedure took under 10 minutes , I would certainly use again and thoroughly reccomend this service

Lovely experience

Not travelled yet ........

Not travelled yet but website was relatively easy to use and the price for an annual policy with a number of pre-existing medical conditions was competitive ...... the proof of the pudding will be in how any claims are handled (fingers crossed we won’t need to find out!).

took out this policy on line good value…

took out this policy on line good value for money compared to most companies

Very easy to use

The best value for medical holiday….

the best value for medical holiday insurance.

Holiday insurance

So very easy to process, very happy with the price. A big thankyou

Very easy to arrange

Very easy to arrange, with no more medical questions than other sites. Various cover options and premiums that are competitive.

it seems so far excellent value (not…

it seems so far excellent value (not tried to make a claim) but it was very easy and simple. not too many questions! if you are looking foe travel insurance give them a go. RUSS

Golf cover and Scuba diving to depth of

Golf cover and Scuba diving to depth of 30 metres included as standard making purchase good value.

Easy to use website

Easy to use website, fair price for the cover we needed.

Good Online Price

I recently received an outrageous renewal quote from my previous travel insurance company so searched for a different company. I've now chosen Travel Insurance Saver who gave me a good price for a comparable policy. It was all easy to arrange online & I'm happy with the service so far, hopefully I'll never have to make a claim but hope the service will be the same if I ever need some help.

Easy to fill the format

Easy to fill the format, and a good deal, obtained.

A very user friendly online process…

A very user friendly online process providing a very good result

Excellent and efficient service with…

Excellent and efficient service with clear questions especially with regard to pre-existing medical conditions.

quick and easy

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Most relevant

Pleasant experience

Pleasant person to speak to, very patient in asking for details, clear speaking voice and very good prices compared with other companies. Answered the call quickly and overall very efficient. Will use them again

Date of experience : February 28, 2024

Covers skiing off piste within resort

Wanted 5-star Defaqto rating and the ability to ski off piste without a guide, within the resort. This policy met my needs and was easy to arrange. Now both my son and daughter have their own policies too!

Date of experience : February 26, 2024

Good experience…

Very helpful member of staff on the phone. I choose the 5 * defaqto Gold cover that seemed to have good benefit levels. A paper copy of insurance documents is provided. The price of the cover was very competitive.

Good experience

Used the service for family members going on a cruise. Good fast response, value for money and user friendly website. Highly recommend this insurer.

Date of experience : February 27, 2024

A realistic price for an OAP traveller…

A realistic price for an OAP traveller with health issues Questions relevant and easy to follow Policy emailed immediately and easy to download

I found the site quite easy to use.

I found the site quite easy to use and understand. I have not yet travelled so time will tell. A company is only as good as how they handle claims and I hope I won’t need to have that experience.

Date of experience : February 29, 2024

Easy to use the application side…

Easy to use the application side online. I had a group insurance, but I have medical problems - worried how much it would cost. Really pleased with gold cover for medical/lost property/cancellations etc. I rang to ask a couple of questions re:my medical cover. The others in my group had no medical issues and their cover was really cheap. Friendly answers put my mind at rest. Will be using this company in future. Looks like it is a small family run business - with the personal touch.

Date of experience : February 18, 2024

Professional.

It was a very straightforward experience in terms of booking and the price and cover were very good value. The real proof of the pudding will be if I have to make a claim - let's hope not.

Date of experience : February 25, 2024

Easy buying process, good price

Difficult to rate something when I haven't used it. Buying process was easy and it gives me the cover I wanted but the real test for insurance comes when you have to claim which obviously I hope I will never have to do.

Date of experience : February 24, 2024

Peace of mind.

All we require for peace of mind is in this policy at a sensible cost. We both have various medical conditions we found that some quotes were ridiculous and that Go Compare did not find any quotes. Money supermarket came up with a list and we chose Travel Insurance Saver as the one that suites us.

Date of experience : February 17, 2024

Fantastic service

I needed to cancel the insurance when I found out I was already covered by my company insurance. I requested a refund and was reimbursed fully. Very quickly. With absolutely no quibbles. Amazing service. Would definitely recommend to anyone.

Date of experience : February 19, 2024

Priced competitively

I found Travel Insurance Saver on a comparison site and they had everything I needed to cover my trip. Very easy to set up and priced competitively.

Date of experience : February 23, 2024

Speedy, simple, clear, no fuss, no excess small print or documents. Dealt efficiently with previous medical condition of some years ago. Reasonable price for where we are going.

Straightforward booking procedure and a…

Straightforward booking procedure and a competitive price. As with all insurance it is the claim process that will be the test. Hope I don’t need to test it!

Date of experience : February 21, 2024

Difficult to review as have only…

Difficult to review as have only purchased policy. Extremely helpful.Easy to use website for cruise we have booked. Only time will tell but initial signs encouraging.

Professional agents

I spoke to two agents during the quote process. Both were courteous and helpful and didn’t rush me. I was happy to accept their competitive quote. Can’t comment on claim process and hope not to experience it!

Date of experience : February 20, 2024

Straightforward website providing a…

Straightforward website providing a quick quote. Medical insurance is far too expensive generally but this company was the fairest. Have used them before and fortunately not needed to claim so it is impossible to state level of satisfaction. Hopefully we will never have to make a claim.

Date of experience : February 15, 2024

Very happy !

It was so easy and uncomplicated. I will use this company again, l am confident. I am 89 years old, fairly mobile, and not all that used to the Internet. But I need not have worried. All went well.

Seemed good value with all the…

Seemed good value with all the requirements to cover our cruise

Very straightforward online process

Very straightforward online process. Needed to make a call to customer services to clarify a declaration. Very helpful lady a good customer experience. Great price too!

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Top CD rates today: Top rates remain competitive — March 4, 2024

Taylor Tepper

Megan Horner

Megan Horner

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

Published 4:24 a.m. UTC March 4, 2024

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Certificates of deposit (CDs) can be valuable options for savers looking to earn good returns on funds not needed presently. CD rates have mostly held tight over the past week and remain much higher than last year’s levels. The national average for a 6-month CD with a $25,000 deposit stands at 1.72%, while a 1-year CD currently yields 1.89%. Additionally, 2-year and 3-year CDs offer average rates of 1.66% and 1.57% respectively.

Three-month CD rates

Rates on three-month CDs have seen no change since this time last week, remaining at 1.25% today.

Over the past month, rates on three-month CDs have climbed marginally.

The current national high for a three-month CD is 5.39%, which would earn more than $330 in interest with a $25,000 deposit.

Six-month CD rates

When you opt for leading six-month CDs, you get a winning combination: solid interest rates and a commitment that’s only short-term.

The national average APY for six-month CDs is 1.72%, the same as last week and up from 1.69% one month ago.

The current top national rate for a 6-month CD is 5.50%, according to the data available from Curinos’ database. But you may be able to find better deals by shopping around.

You’d earn almost $680 in interest if you put $25,000 in a six-month CD with a rate of 5.50%.

One-year CD rates

If you’re up for setting aside your savings for a full year, you’ll be able to grab even more impressive rates. One-year CDs can give you returns as high as, or even higher than, longer-term options.

Rates on 12-month CDs aren’t moving much. The national average APY is 1.89%, the same as last week and up one basis point from a month before.

The current national high for a 12-month CD is 5.50%, which would earn roughly $1,370 in interest with a $25,000 deposit.

Two-year CD rates

Interest rates on CDs with longer terms, such as those spanning two years, are climbing.

The national average APY is 1.66%, a one basis point increase from last week and the same as a month ago.

The current national high for a 24-month CD is 5.12%. By locking in a rate close to this high, you’ll make the most of your returns on this longer-term investment.

If you invest $25,000 in a 24-month CD at the high rate of 5.12%, you’d earn around $2,630 in interest.

Three-year CD rates

The national average APY for a three-year CD stands at 1.57%, which is flat to where it stood last week and down from 1.58% a month ago.

The highest rate was 5.00%, which would net almost $3,941 in interest if you invested $25,000.

Methodology

To establish average certificate of deposit (CD) rates, Curinos focused on CDs intended for personal use. CDs that fall into specific categories are excluded, including promotional offers, relationship-based rates, private, youth, senior, student/minor, affinity, bump-up, no-penalty, callable, variable, step-up, auto transfer, club, gifts, grandfathered, internet-only and IRA CDs. The average CD rates quoted above are based on a $25,000 deposit.

Frequently asked questions (FAQs)

Generally, the earnings you make from your CDs are considered taxable income by the IRS. If you earn $10 or more, the financial institution should send you (and the IRS) a yearly 1099-INT form reporting your interest earnings. Even if you don’t receive a form, you’re still required to report the income.

For earnings of at least $1,500, you’ll need to itemize your interest income sources on Schedule B of the 1040 form. The silver lining is that there are some exceptions, but they mainly apply to government-issued investment vehicles.

The tax amount you pay depends on your specific marginal tax bracket.

Interest income from treasury bills, notes, and bonds, like I bonds, is exempt from state and local income taxes.

CD rates change on a regular basis, but the higher the better. As of March 1, 2024, the national average interest rate for a 12-month CD sat at 1.89 % APY, according to data from Curinos. But you can find plenty of banks advertising APYs well above this average, especially if you take a look at the top contenders in our ranking of the best CD rates.

A basis point is the term used to describe one hundredth of one percentage point. Therefore, if the yield on a CD increased from 1.50% to 1.60%, it increased by 10 basis points.

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

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

Taylor Tepper

Taylor Tepper is lead editor for banking at USA Today Blueprint and is an award-winning journalist and former senior staff writer at Forbes Advisor, Wirecutter/New York Times and Money magazine. His work has also appeared in Fortune, Time, Bloomberg, Newsweek and NPR. He lives in Dripping Springs, TX with his wife and 3 kids and welcomes bbq tips.

Megan Horner is editorial director at USA TODAY Blueprint. She has over 10 years of experience in online publishing, mostly focused on credit cards and banking. Previously, she was the head of publishing at Finder.com where she led the team to publish personal finance content on credit cards, banking, loans, mortgages and more. Prior to that, she was an editor at Credit Karma. Megan has been featured in CreditCards.com, American Banker, Lifehacker and news broadcasts across the country. She has a bachelor’s degree in English and editing.

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