airasia international travel insurance

Tune Protect and AirAsia first to launch Travel Protection to meet mandatory coverage for foreign travellers into Langkawi and Thailand

Tune Protect and AirAsia provide convenient, one-stop digital-first solution to prepare for year-end travel boom with required travel protection for Covid-19 coverage

KUALA LUMPUR, 17 November 2021 - In an industry first, Tune Protect and AirAsia today launched the Covid Travel Pass as an added convenience for air travellers to meet the mandatory insurance coverage set by the governments for fully vaccinated international travellers flying into the countries. Kicking off with Langkawi, Malaysia and various tourist destinations in Thailand, the service will be expanded to include other countries and destinations in due course.

Currently, travellers flying AirAsia into Langkawi, Malaysia and destinations in Thailand can subscribe to the Covid Travel Pass when booking their flight tickets on the AirAsia superapp, post flight purchase subscription options are also available before travellers depart.

The introduction of the Covid Travel Pass plans is timely as they also meet the year-end travel needs of AirAsia’s guests who wish to head to their much-awaited holidays and the impending opening of regional and international borders.

The Covid Travel Pass plans are complete with enhanced COVID-19 coverage to satisfy the Malaysian government’s requirement for international travellers coming into Langkawi to have mandatory insurance coverage of USD80,000 while for Thailand, the required mandatory coverage is USD50,000.

“As Malaysia and Thailand open their international borders, AirAsia is prepared to meet the rise in the pent-up travel demand especially towards the end of year as a peak travel period. Travelling today comes with a new set of protocols and we want to reassure our guests that we are ready to welcome them with the right travel protection products provided by Tune Protect while observing strict and disciplined protocols to ensure the safety of our passengers in flight and beyond so that they can have a total peace of mind,” said Bo Lingam, Group CEO of AirAsia Aviation Limited.

AirAsia has spent the period of downtime in travel over the past one-and-a-half years to further improve and revamp its flight procedures and processes. In the highest interest of safety and wellbeing of all its guests and employees, AirAsia will accept only fully vaccinated guests on board its flights, and likewise ensure only fully-vaccinated employees will operate flights and be on-duty at airport terminals.

Despite mostly not flying for a good part of the past 18 months, all AirAsia’s aircraft are properly maintained according to procedures set by the manufacturer. AirAsia has set up an in-house maintenance, repair, and operations (MRO) unit called Asia Digital Engineering that provides services not only to AirAsia but also other airlines. Likewise, all its pilots and cabin crew are regularly sent for mandatory refresher courses and ongoing retraining so that they are always on top of their job.

“We are excited for our customers and AirAsia guests as they take their much-needed vacation time. The Covid Travel Pass satisfies the requirements in both countries to ensure customers are better prepared and protected during their holidays and have a worry-free vacation. Guests can purchase the Covid Travel Pass when booking their AirAsia flights on the flight booking platform of the airasia Super App, making it super convenient and hassle-free,” said Rohit Nambiar, Group Chief Executive Officer of Tune Protect.

For AirAsia’s international guests flying into Langkawi, Malaysia, the Covid Travel Pass provides a coverage of up to RM350,000 in medical expenses and hospitalization due to accident and sickness including a COVID-19 infection, as well as a quarantine allowance of RM150 per day. Premiums start from as low as RM170 per guest per trip.

For travellers flying with AirAsia into Thailand, the Covid Travel Pass provides medical expenses due to accidents and sickness due to COVID-19 of up to THB1.8 million.

The Covid Travel Pass is available via the airasia Super App and will soon be made available to other customers via the Tune Protect’s website. Travellers who have purchased AirAsia flights prior to 1 November 2021 will be notified via push notifications to add on the required insurance coverage with the relevant post flight purchase options.

Other existing benefits from the Covid Travel Pass include personal accident, travel inconvenience such as trip curtailment, flight delay, loss, or damage to checked baggage, baggage delay on arrival; ground inconvenience benefit due to snatch theft, emergency medical evacuation and 24-hours travel assistance services.

Earlier in February, Tune Protect had also enhanced the Tune Protect AirAsia Travel Protection for travellers from Malaysia entering Singapore which included RM100,000 medical and hospitalisation expenses coverage due to COVID-19, meeting the mandatory insurance requirement of the Singapore government for coverage of SGD30,000.

For more information about Tune Protect Covid Travel Pass , please visit the official website at https://www.tuneprotect.com/airasia (commencing 19 November 2021).

About Tune Protect Group Berhad

Tune Protect Group Berhad (Tune Protect or the Group) is a financial holding company listed on the main market of Bursa Malaysia. Aspiring to be an ASEAN-based lifestyle insurer that everyone loves, Tune Protect aims to simplify consumer experience with best-in-class products and technology that complement their lifestyle needs. With its tagline “Insurance Simplified”, Tune Protect offers an array of affordable protection plans to suit individual, SME and corporate needs via its insurance, reinsurance and marketing arms in Malaysia, Thailand and the United Arab Emirates. Tune Protect has established a strong foothold in the travel, lifestyle, health and digital insurance space globally with presence across more than 60 countries through strategic partnerships with local underwriters in these markets.

For more information on Tune Protect, visit their website at https://www.tuneprotect.com

Tune Protect and AirAsia Unveil Enhanced AirAsia Travel Insurance

Tune Protect Group Berhad (“Tune Protect”) and AirAsia Aviation Group Limited (“AirAsia”) have announced the launch of their newly enhanced AirAsia travel insurance with additional features to ensure a hassle-free experience for travellers seeking medical assistance abroad . The enhanced AirAsia Comprehensive Travel PLUS features the practical addition of Cashless Hospital Admission services for policies issued by Tune Protect Malaysia and Tune Protect Thailand, available from 19th October 2023.

AirAsia Travel Insurance enhancements

The AirAsia Comprehensive Travel PLUS, inclusive of the Cashless Hospital Admission services is offered with premiums starting at RM 74 for a return trip plan. This option is open for purchase to travellers departing from Malaysia and Thailand and can be accessed through all AirAsia online and offline booking platforms, as well as Manage My Booking and Online Check-in in the airasia MOVE app.

Most importantly, the additional benefit does not impact the insurance premium, or any other benefits and sum limits stated in the policy. In addition, AirAsia passengers who have purchased the return trip plan of the Travel Insurance for flights departing from Malaysia or Thailand will automatically gain access to these features.

…. The AirAsia Comprehensive Travel PLUS is a practical feature for travellers. With this newly added proposition, we are removing the hassle of paying for hospital admissions during overseas travel… Janet Chin, Chief Partnership Officer of Tune Protect

In addition to the addition of the Cashless Hospital Admission services, the AirAsia Comprehensive Travel PLUS includes other benefits including:

• trip cancellation
• flight delay
• loss or damaged baggage
• loss of personal money and travel documents

…. At AirAsia, we believe in continuous improvement of our customers’ travel experience. We are dedicated to offering value-added product benefits and services that provide our guests convenience and peace of mind throughout their journeys. Karen Chan, AirAsia Group Chief Commercial Officer

Activating the Cashless Hospital Admission services while abroad

The steps seem quite straightforward:

• AirAsia Emergency Hotline at +603 2302 0033
• Provide flight booking number for verification.
• If necessary, transportation will be arranged.
• To ensure uninterrupted medical attention.
• This eliminates the need for claim submissions.

The AirAsia Comprehensive Travel PLUS offers healthcare access to over 5,000 hospitals worldwide in collaboration with the globally renowned care and mobility provider, Europ Assistance. This added feature eliminates unexpected out-of-pocket expenses, and providing peace of mind for worry-free travel.

For more information on AirAsia Comprehensive Travel PLUS with Cashless Hospital Admission Services, please visit Tune Protect Comprehensive travel insurance plus

To compare inclusions and pricing with similar providers, check out our stories on post-covid travel insurance options , what to look for when choosing travel insurance and Is it worth it? .

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Best International Travel Insurance

Travel insurance isn’t mandatory, though some countries may insist you have it before crossing their borders. It is also a requirement for the issuance of some visas. Still, international travel is uncertain. You’ll need international travel insurance if you’re about to embark on a trip abroad. 

Travel insurance will protect you from financial loss should you need medical attention, lose your luggage or find yourself stranded in a foreign country — flights cancelled or delayed.  Fortunately, several international travel insurance companies offer packages to suit all travel needs. 

Quick Look: Best International Travel Insurance

Five best international travel insurance, best for digital experience: faye, best for budget insurance: travelex, best for families: arch roamright, best for frequent fliers: allianz travel insurance, best for cruise vacations: nationwide travel insurance, how does international travel insurance work, what does international travel insurance cover.

• Travel Delay 

Trip Cancellation

• Trip Interruption 
• Baggage Insurance 
• Travel Medical Insurance 
• Emergency Medical Evacuation 
• Interruption For Any Reason (IFAR) Travel Insurance 
• Cancel For Any Reason (CFAR) Travel Insurance 
• Accidental Death and Dismemberment (AD&D) Insurance

What Is Not Covered by International Travel Insurance

How much does international travel insurance cost, travel with confidence.

• Frequently Asked Questions 
• Best for Travel on a Budget: Travelex International Ltd.
• Best for Cruise Vacation s: Nationwide Travel Insurance

Here are five of the best international travel insurance companies offering essential and add-on services for peace-of-mind travel.

Online travel insurance company Faye offers a single travel plan with optional add-ons. Users access plans and file claims on a free app with 24/7 access. Expect payment directly into a digital wallet. 

The basic insurance covers most medical expenses, including preexisting conditions and medical evacuation, lost or damaged luggage and trip cancellation and interruption. You can also choose add-ons like extreme sports and car rental damage coverage. Prices differ depending on the destination and travel duration. International coverage starts at an affordable $5.16 per day and domestic at $4.64.

• Available 24/7 on mobile app
• Customizable
• Provides nonmedical emergency evacuation up to $100,00
• Emergency medical coverage is no as generous as some of the other packages
• No interruption for any reason

Choose from three Travelex plans. The Basic plan comes in at a below-average premium. Quotes are available online. Benefits include trip delay, interruption and cancellation, baggage coverage and primary and emergency medical care. It also covers emergency medical evacuation. 

The family-directed Travel Select plan includes free coverage for children under 18. Unlike the Basic plan, it covers preexisting medical conditions. It also provides for customized add-ons like adventure sports. Travel America is designed for trips in the U.S. and covers up to seven people in a group. Apply for travel insurance online and get a quote in seconds.

• Three options to suit travel plans
• Free coverage for children under 18
• Domestic travel at a flat rate
• Some add-ons are unavailable on the Basic plan
• Low emergency medical coverage — $15,000 on the Basic plan

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

Choose from Pro and Pro-Plus plans when you insure with Arch RoamRight. Both plans offer free coverage for one child younger than 18 per adult with travel insurance. The children receive the same coverage as the accompanying adult traveler —  cost-effective insurance for traveling families. The insurance covers medical emergencies, travel delays and interruptions and lost luggage. Pro-Plus covers existing conditions. The company offers upgrades for adventure travel, rental car damage and delayed luggage. Make claims by phone, email or online.

• Excellent customer service
• Free coverage for a child younger than 18 per adult
• Two policies and upgrades
• Limited extreme sports coverage

If you’re looking for all the travel insurance essentials on a budget, the Allianz One Trip Basic plan will work for you. Allianz provides users with an app to track and claim coverage. 

There are several plans on offer with some interesting innovations. 

One Trip Emergency Medical increases the emergency medical coverage for the Basic plan from $10,000 to $50,000 but excludes trip interruption and cancellation benefits. All Trip options provide travelers with year-round protection for a single fee and include car rental protection. Allianz has a Concierge service and multilingual customer service 24/7. 

• Several policy options tailored to your needs
• All Trip Basics offers year-round coverage
• Multilingual service 24/7
• Concierge services included in the plans
• Medical coverage is low
• 12-hour delay for baggage delay

In business since 1926, Nationwide Travel Insurance offers travelers a choice of seven travel insurance policies. Nationwide’s Essential Plan offers basic travel insurance at below-average prices. It also provides specialized cruise insurance and annual plans for those who travel frequently and would prefer to pay a single premium for a year’s coverage. Add-ons include rental car coverage, cancel for any reason (CFAR) and accidental death and dismemberment (AD&D) coverage.

• Offers specialized cruise travel insurance
• Frequent travelers can buy annual travel insurance
• Optional add-ons include rental car damage, CFAR and AD&D
• 12-hour wait for baggage delay

Anything can go wrong when you travel to foreign countries. You may have to cancel the trip, or it may be delayed. You may become ill or lose your luggage. International travel insurance protects you from financial loss under some of these circumstances.  

International travel insurance can be worthwhile because it covers a broad range of possible circumstances.

Travel Delay 

Most insurance companies impose a six-hour minimum waiting period before you can claim expenses for travel delays. 

Trip cancellation covers you for the prepaid portion of your travel costs in the event of cancellation. The policy will list the covered events. You can also buy coverage for all events but at a higher premium.  

Trip Interruption 

Your insurance will cover you for specified unforeseen travel interruptions. Listed reasons usually include illness, injury or bad weather. 

Baggage Insurance 

Baggage insurance covers you for lost, damaged or stolen luggage. 

Travel Medical Insurance 

Overseas medical costs can pile up, and your medical aid may not cover them. Travel medical insurance covers all your medical like ambulance services, hospitalization and doctor’s visits should you become ill or injure yourself while traveling. 

Emergency Medical Evacuation 

If you are seriously injured or ill while abroad, you may have to move to another facility capable of providing the treatment. Emergency medical evacuation covers transportation costs. In some instances, medical evacuation will also cover repatriation costs so you can return home.  

Interruption For Any Reason (IFAR) Travel Insurance 

Some insurance companies offer IFAR as an additional benefit. Under this benefit, you can return home for any reason. You will receive a portion of your prepaid expenses as a reimbursement. 

Cancel For Any Reason (CFAR) Travel Insurance 

CFAR insurance is another add-on product. You must buy it within two to three weeks of paying deposits for the trip or you won’t qualify. There is also usually a waiting period before you can cancel and a cap of around 75% on the reimbursement. 

Accidental Death and Dismemberment (AD&D) Insurance

AD&D covers you in case of accidental death or loss of a limb and faculties like sight. Your policy will define the injuries. Ensure you understand the exclusions if you buy this additional travel insurance. 

There are certain injuries and illnesses that your international travel insurance will not cover. These include:

• Preexisting medical conditions
• Natural disasters, civil unrest and war
• Change-of-mind cancellation
• Injury during high-risk activities
• Losses caused by negligence or in the commission of an illegal activity
• Routine doctor’s visits or procedures

Costs for international travel insurance differ considerably according to the trip cost, coverage, options, traveler age and ports of departure and destination. On average, travel insurance will cost between 3% and 6% of your nonrefundable costs. 

Don’t plan a foreign holiday without travel insurance. It isn’t worth the risk. Travel insurance protects you from losses when things go wrong as you travel the world. It protects you from financial loss and could make all the difference if you need medical attention or suffer the inconvenience of delayed or canceled flights. There is travel insurance to meet all your insurance needs at an affordable price. 

Frequently Asked Questions 

Is international travel insurance required.

In most countries, international travel insurance is not mandatory, though some may make it a prerequisite for entry. Some embassies also require proof of medical insurance before issuing a visa.

Does international travel insurance cover preexisting medical conditions?

International travel insurance does not cover preexisting medical conditions.

Is it possible to extend international travel insurance coverage while abroad?

Most insurance companies will allow you to extend your international travel insurance coverage while abroad though there may be time limits.

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

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• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

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

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost.

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

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.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

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

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02/10/2017 • FAQs

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