vti.travel by insurance

Visa Travel Insurance   Reviews

In the Insurance Broker category

Visit this website

Company activity See all

Write a review

Reviews 4.8.

Most relevant

Extremely quick support.

The team is very quick in providing support. I realised there were some mistakes in my policy and contacted the support team for modifications. They were very prompt in their assistance. Then, on the day of my visa, I noticed another mistake in the insurance. I wrote them a mail from the visa centre and called the team to assist, and yet again, within 10 minutes, they made the necessary changes and sent the corrected copy. Very satisfied with the service.

Date of experience : March 11, 2024

Prompt on responding to emails and…

Prompt on responding to emails and changes on policy if necessary. Recommendable for beyond traveling worldwide

Date of experience : March 14, 2024

I purchased the travel insurance…

I purchased the travel insurance contract and request a modification of period of coverage. The agent promptly assisted me with modification and provide accurate answer to my additional question! It’s very good travel health insurance provider, recommended!

Date of experience : March 06, 2024

Great thank you to the customer service

This is the second time I am getting great help online and by phone. The lady who called me back was very polite, helpful and knowledgable. She took all my requests very fast and did not waste any time to send the documents I needed. I got the email with the needed attachments in just a few minutes. I want to say great thank you to the customer service. We highly appreciate such a work. Aram Vanetsyan

Date of experience : February 16, 2024

Very impressed with the speedy response…

Very impressed with the speedy response and help provided - We needed to change our travel insurance dates and it was done in less than a day.

Date of experience : February 21, 2024

Super quick response and individual approach

I needed to extend my insurance for several more days but didn't find an option for this, so I just bought a new one thinking it was non-refundable. Later I found out that I could have extended it by writing to the support service. I wrote to them asking if they could do a refund for an unneeded one instead, as I didn't know how to extend, and they answered and refunded in an hour! Moreover, their answers were very nice and 'human' which is rare for support nowadays. I honestly didn't expect such a prompt answer. I'll recommend this company to anyone around.

Date of experience : January 30, 2024

this company helped me too much…

this company helped me too much otherwise I was losing my money because of my mistakes, but they have guided me properly and very patient and kind staff, they will sort out everything very nice and quick.

Date of experience : February 13, 2024

Quick Response and Action

A data error caused by myself was corrected in less than 20 minutes of email communication. Thank you for the quick response/action.

Great turnaround

Great turnaround for my request to update a few details on my insurance. The service was lightning fast and totally recommend this to everyone

Date of experience : February 12, 2024

It was my first time to get Visa travel…

It was my first time to get Visa travel Insurance. I did one mistake while selecting the date and i realised when i reach the Centre by next day. But thanks to the team they supported me on time sorted out the problem free of cost and on time. I really appreciate

Date of experience : January 19, 2024

I bought travel insurance from Vti

I bought travel insurance from Vti. Than my passport didn’t come to me on time. I had to change insurance date but insurance was time was started. When I was getting contact and explained situation they’re helped me so kindly, professional and fastest. I definitely recommend that company. Thanks for all

Date of experience : November 17, 2023

Understanding and prompt

Excellent service. They were so understanding, accommodating, patient, and prompt in their responses. My Schengen visa got denied so they helped me figure out the best option with minimal loss. I booked a new insurance with new travel dates and they refunded for the old travel dates. It was hassle free. You saved me so much money with your flexible services and understanding nature.

Date of experience : September 26, 2023

Fantastic customer support

Fantastic customer support! John helped me correct an error (likely mine) in our information. He made the whole experience easy and quick - I appreciate the confidence he gave me and ensured me everything would be fine. Thank you!

Date of experience : October 31, 2023

RESPONSIVE, EXCELLENT & HIGHLY RECOMMENDED

All i can say thank you soo much for your very good services a very EXCELLENT AND RESPONSIVE to all my concerned. Very satisfied guest here, your company is very trusted, highly recommended to my friends and family or to. Whoever wants to avail this travel insurance plan. 100% SATISFIED 🌟🌟🌟🌟🌟

Date of experience : September 18, 2023

It’s so unbelievable!!!!

I mean words can’t express my feelings I subscribed to this insurance today and later on in the night realized I have done some mistakes in imputing my informations and had just a couple of hours before deadline. I got nervous and started panicking especially with all what is happening here in Gabon right now, you not sure the next couple of hours they gonna cease internet. I wrote to the customer service late at night and it was solved immediately.Damn you guys are doing a great job. I will definitely be a forever customer. A grateful customer☺️🙏🏻

Date of experience : August 31, 2023

They are very reliable as I made…

They are very reliable as I made mistakes on my dates of travel and contacted them the response was quick and by quick I mean within 48hrs . Within the space of a day my case was resolved. I would honestly recommend them . Thank you .✌🏾

Date of experience : December 18, 2023

Quick Response to an Email Request

I'm sorry but I don't speak or write in French. I needed a copy of my travel insurance policy immediately for a visa interview the following day. In less than two hours after sending my request ofr a copy, it was sent to me. The quick response is commendable.

Date of experience : September 13, 2023

Excellent customer service

I was provided an excellent customer service when requesting a change in my travel insurance dates. Appreciate when things are smooth and service is kind and easy. Thank you!

Date of experience : December 06, 2023

Quick response and closure of the issue…

Quick response and closure of the issue raised. Would be better if the email id can be mentioned in the policy documents, as it took me lot of calls to get the right contact details.

Date of experience : November 09, 2023

Quick and very responsive customer care

I needed help with 1. modifying dates on one of the travel insurance contracts we made and also 2. with a cancelation of another travel insurance document - John from the VTI customer service team was exceptionally clear and prompt with his responses and got both requests completed within half hour.

Date of experience : July 10, 2023

• eVisas – Funnel
• Help – Frequently Asked Questions
• Legal Notice
• Légalizations – Funnel
• Legalisation – United Kingdom
• Legalization – Afghanistan
• Legalization – Albania
• Legalization – Algeria
• Legalization – Angola
• Legalization – Argentina
• Legalization – Armenia
• Legalization – Australia
• Legalization – Austria
• Legalization – Azerbaijan
• Legalization – Bahrain
• Legalization – Bangladesh
• Legalization – Belarus
• Legalization – Belgium
• Legalization – Belize
• Legalization – Benin
• Legalization – Bhutan
• Legalization – Bolivia
• Legalization – Bosnia Herzegovina
• Legalization – Botswana
• Legalization – Brazil
• Legalization – Brunei
• Legalization – Bulgaria
• Legalization – Burkina Faso
• Legalization – Burundi
• Legalization – Cambodia
• Legalization – Cameroon
• Legalization – Canada
• Legalization – Cape Verde
• Legalization – Central African Republic
• Legalization – Chad
• Legalization – Chile
• Legalization – China
• Legalization – Colombia
• Legalization – Congo
• Legalization – Congo Brazzaville
• Legalization – Congo Kinshasa DRC
• Legalization – Costa Rica
• Legalization – Croatia
• Legalization – Cuba
• Legalization – Czech Republic
• Legalization – Denmark
• Legalization – Djibouti
• Legalization – Dominican Republic
• Legalization – Ecuador
• Legalization – Egypt
• Legalization – England
• Legalization – Equatorial Guinea
• Legalization – Eritrea
• Legalization – Estonia
• Legalization – Ethiopia
• Legalization – Finland
• Legalization – French Guiana
• Legalization – Gabon
• Legalization – Gambia
• Legalization – Germany
• Legalization – Ghana
• Legalization – Greece
• Legalization – Guatemala
• Legalization – Guinea Bissau
• Legalization – Guinea Conakry
• Legalization – Haiti
• Legalization – Honduras
• Legalization – Hungary
• Legalization – Iceland
• Legalization – India
• Legalization – Indonesia
• Legalization – Iran
• Legalization – Iraq
• Legalization – Ireland
• Legalization – Israel
• Legalization – Italy
• Legalization – Ivory Coast
• Legalization – Jamaica
• Legalization – Japan
• Legalization – Jordan
• Legalization – Kazakhstan
• Legalization – Kenya
• Legalization – Kosovo
• Legalization – Kuwait
• Legalization – Kyrgyzstan
• Legalization – Laos
• Legalization – Latvia
• Legalization – Lebanon
• Legalization – Liberia
• Legalization – Liechtenstein
• Legalization – Lithuania
• Legalization – Luxembourg
• Legalization – Macedonia
• Legalization – Madagascar
• Legalization – Malawi
• Legalization – Malaysia
• Legalization – Maldives
• Legalization – Mali
• Legalization – Mauritania
• Legalization – Mauritius
• Legalization – Mexico
• Legalization – Moldova
• Legalization – Monaco
• Legalization – Mongolia
• Legalization – Morocco
• Legalization – Mozambique
• Legalization – Myanmar
• Legalization – Namibia
• Legalization – Nepal
• Legalization – New Zealand
• Legalization – Nicaragua
• Legalization – Niger
• Legalization – Nigeria
• Legalization – Norway
• Legalization – Oman
• Legalization – Pakistan
• Legalization – Panama
• Legalization – Papua New Guinea
• Legalization – Paraguay
• Legalization – Peru
• Legalization – Philippines
• Legalization – Poland
• Legalization – Portugal
• Legalization – Qatar
• Legalization – Romania
• Legalization – Russia
• Legalization – Rwanda
• Legalization – Salvador
• Legalization – Sao Tome and Principe
• Legalization – Saudi Arabia
• Legalization – Senegal
• Legalization – Seychelles
• Legalization – Sierra Leone
• Legalization – Singapore
• Legalization – Slovakia
• Legalization – Slovenia
• Legalization – South Africa
• Legalization – South Korea
• Legalization – South Sudan
• Legalization – Spain
• Legalization – Sri Lanka
• Legalization – Sudan
• Legalization – Suriname
• Legalization – Swiss
• Legalization – Syria
• Legalization – Taiwan
• Legalization – Tajikistan
• Legalization – Tanzania
• Legalization – Thailand
• Legalization – Togo
• Legalization – Tunisia
• Legalization – Turkey
• Legalization – Turkmenistan
• Legalization – Uganda
• Legalization – Ukraine
• Legalization – United Arab Emirates
• Legalization – United States
• Legalization – Uruguay
• Legalization – Uzbekistan
• Legalization – Venezuela
• Legalization – Vietnam
• Legalization – Yemen
• Legalization – Zambia
• Legalization – Zanzibar
• Legalization – Zimbabwe
• Legalization Country
• Modification or creation in progress
• Privacy Policy
• Terms and Conditions
• Visa – United Kingdom (Standard visitor and ETA)
• Country visa
• eTA – New Zealand
• eVisa – Australia
• eVisa – Canada eTA
• eVisa – Djibouti
• eVisa – Malaysia
• eVisa – Morocco
• eVisa – Sri Lanka
• eVisa – Togo
• eVisas – Indonesia
• eVisas – Oman
• eVisas – Papua New Guinea
• eVisas – Suriname
• Visa – Afghanistan
• Visa – Angola
• Visa – Bangladesh
• Visa – Benin
• Visa – Bolivia
• Visa – Brazil
• Visa – Burkina Faso
• Visa – Burundi
• Visa – Cambodia
• Visa – Cameroon
• Visa – Central African Republic
• Visa – Chad
• Visa – China
• Visa – Congo
• Visa – Cuba
• Visa – Egypt
• Visa – Ethiopia
• Visa – Gabon
• Visa – Ghana
• Visa – Guinea Conakry
• Visa – India
• Visa – Iraq
• Visa – Ivory Coast
• Visa – Japan
• Visa – Kenya
• Visa – Libya
• Visa – Mali
• Visa – Mauritania
• Visa – Mongolia
• Visa – Mozambique
• Visa – Myanmar
• Visa – Nepal
• Visa – Niger
• Visa – Nigeria
• Visa – Pakistan
• Visa – Russia
• Visa – Saudi Arabia
• Visa – South Africa
• Visa – South Korea
• Visa – Thailand
• Visa – Zimbabwe
• Visas – Albania
• Visas – Algeria
• Visas – Andorra
• Visas – Armenia
• Visas – Austria
• Visas – Azerbaijan
• Visas – Belarus
• Visas – Belgium
• Visas – Bulgaria
• Visas – Congo Kinshasa DRC
• Visas – Croatia
• Visas – Denmark
• Visas – Equatorial Guinea
• Visas – Eritrea
• Visas – Estonia
• Visas – Finland
• Visas – Gambia
• Visas – Georgia
• Visas – Germany
• Visas – Greece
• Visas – Guinea Bissau
• Visas – Hungary
• Visas – Italy
• Visas – Jordan
• Visas – Kazakhstan
• Visas – Laos
• Visas – Latvia
• Visas – Lebanon
• Visas – Liberia
• Visas – Liechtenstein
• Visas – Lithuania
• Visas – Luxembourg
• Visas – Malta
• Visas – Mexico
• Visas – Montenegro
• Visas – Namibia
• Visas – Netherlands
• Visas – Poland
• Visas – Portugal
• Visas – Romania
• Visas – Rwanda
• Visas – Serbia
• Visas – Slovakia
• Visas – Slovenia
• Visas – Spain
• Visas – Sudan
• Visas – Sweden
• Visas – Switzerland
• Visas – Tunisia
• Visas – Uganda
• Visas – United States
• Visas – Vatican
• Visas – Vietnam
• Visas – Zambia
• Visas Tanzania
• Visas – Funnel
• Who are we?
• New Zealand
• Philippines
• South Africa
• South Korea
• United Arab Emirates
• United States
• Legalizations
• Uncategorized

01 42 25 13 65

With the right insurance, … travel with piece of mind!

By subscribing online your insurance via visa travel international , secure your international mobility .

To obtain a Visa (Russia, Thailand, …), it is necessary to subscribe an insurance covering health risks, repatriation, medical costs, … it will be requested by the Consulate.

Likewise, should you want to protect yourself against a visa refusal, trip cancellation, passport damage, … and therefore a potential loss of costs incurred? Then a “ CANCELLATION insurance ” taken out with the assistance of   Visa Travel International   can allow you to secure this subject.

You want to travel with piece fo mind and insure yourself for multiple potential risks before or during your trip? “ MULTI-RISK insurance ” was designed for this!

We have selected for you Insurance policies adapted to the many hazards that your international mobility can meet.

For travelers living (domiciled) around the world, outside the Schengen area, and wishing to travel to a country in the Schengen area, we also have a solution for you. With our partner Géodesk , we can propose to you SCHENGEN insurances  ( Complete or Simple ) tailored to your needs.

Our partnership with   Géodesk / Assur Travel , renowned key players in the Tourism and Business Travel markets, offers unique cover in terms of both content and value, and all this to allow you to only focus on the pleasure to travel.

In just   a few clicks , take out the insurance that suits you, receive your certificate online and travel peacefully!

Visa Travel International   takes care of everything… and especially you!

If you have any questions, do not hesitate … [email protected] or  01.42.25.13.65 .

NB :   insurance certificates are issued Monday to Friday from 9 a.m. to 6 p.m.

CANCELLATION, ASSISTANCE and MULTIRISK Insurances

Cancellation insurance.

● Cancellation fees - Serious illness, serious accident, death of the insured and his or her family members up to the second degree (including relapse, aggravation of illness) - Pregnancy complications, - Psychic, mental or nervous illnesses with hospitalization of more than 4 days, - Contraindication and vaccination follow-up - Economic layoffs, - Serious harm to the home, secondary residence or business premises, - Serious damage to the Insured's vehicle, - Invitation to a remedial exam (university only), - Summons to appear in court as a juror, expert, or for the adoption of a child, - Deterioration or loss of passport - Late delivery of the passport - Refusal of Visa not motivated by the Consulate According to the conditions of the cancellation fee schedule 6 000 € Maxi /person 40 000 € /event Franchise : 30 € /person ● Other guarantees of assistance Please read pdf

ASSISTANCE Insurance 1-15 days

● Repatriation or medical transport: Actual costs ● Medical expenses outside the country of residence: 75 000€ per person and 150 000 € if country of the extension Franchise : 30 € /person Dental franchise: 300 € ● Other guarantees of assistance Please read pdf

ASSISTANCE Insurance 16-30 days

Assistance insurance 31-90 days, assistance insurance 91-365 days, insurance pack assistance + cancellation 1-15 days.

● Cancellation fees - Serious illness, serious accident, death of the insured and his or her family members up to the second degree (including relapse, aggravation of illness) - Pregnancy complications, - Psychic, mental or nervous illnesses with hospitalization of more than 4 days, - Contraindication and vaccination follow-up - Economic layoffs, - Serious harm to the home, secondary residence or business premises, - Serious damage to the Insured's vehicle, - Invitation to a remedial exam (university only), - Summons to appear in court as a juror, expert, or for the adoption of a child, - Deterioration or loss of passport - Late delivery of the passport - Refusal of Visa not motivated by the Consulate According to the conditions of the cancellation fee schedule 6 000 € Maxi /person 40 000 € /event Franchise : 30 € /person ● Repatriation or medical transport: Actual costs ● Medical expenses outside the country of residence: 75 000€ per person and 150 000 € if country of the extension Franchise : 30 € /person Dental franchise: 300 € ● Other guarantees of assistance Please read pdf

Insurance Pack ASSISTANCE + CANCELLATION 16-30 days

Insurance pack assistance + cancellation 31-90 days, insurance pack assistance + cancellation 91-365 days, multi-risk insurance 16-30 days.

● Cancellation fees - Serious illness, serious accident, death of the insured and his or her family members up to the second degree (including relapse, aggravation of illness) - Pregnancy complications, - Psychic, mental or nervous illnesses with hospitalization of more than 4 days, - Contraindication and vaccination follow-up, - Economic layoffs, - Serious harm to the home, secondary residence or business premises, - Serious damage to the Insured's vehicle, - Invitation to a remedial exam (university only), - Summons to appear in court as a juror, expert, or for the adoption of a child, - Deterioration or loss of passport - Late delivery of the passport - Refusal of Visa not motivated by the Consulate According to the conditions of the cancellation fee schedule 6 000 € Maxi /person 40 000 € /event Franchise : 30 € /person ●Luggage In case of deterioration, destruction or theft: 800 € /person Including valuables: 400 € Deductible: 40 € /registered file ● Civil liability private life Injury, material and immaterial damage: 4 500 000 € Including consequential material and immaterial damage: 450 000 € Deductible: 75 € /registered file ● Airport closure following natural disasters Stay extension costs: 80 € /person/day, max 5 days Deductible: 24 hours Pre-routing: Maximum 100 € /person Connection costs: Maximum 100 € /person ● Interruption of stay / activity Following repatriation of the insured or return early (repayment on a pro rata basis) Max 1 500 €/person 40 000 €/event Deductible : 30 €/person ● Repatriation or medical transport: Real costs ● Medical expenses outside the country of residence: 75 000€ per person and 150 000 € in country where stay extension Deductible: 30 € /person Dental deductible: 300 € ● Other guarantees of assistance Please read pdf

MULTI-RISK insurance 31-90 days

Multi-risk insurance 91-365 days, schengen insurances – simple and complete, schengen insurance - simple 1 to 15 days.

● Repatriation or medical transport ● Support during repatriation or medical transport ● Presence with the hospitalized insured ● Message transmission ● Repatriation or transport of the body in the event of death ● Listening and psychological support ● Premature return ● Advance of the penal bond ● Support for lawyers' fees ● Theft or loss of identity papers ● Dispatch of medicines ● Transmission of professional documents ● Daily life advice All other detailed information: Please read this pdf

SCHENGEN Insurance - SIMPLE 16 to 30 days

Schengen insurance - simple 1 to 3 months, schengen insurance - simple additional month, schengen insurance - complete 1 to 15 days.

● Repatriation or medical transport ● Support during repatriation or medical transport ● Presence with the hospitalized insured ● Message transmission ● Repatriation or transport of the body in the event of death ● Listening and psychological support ● Premature return ● Advance of the penal bond ● Support for lawyers' fees ● Theft or loss of identity papers ● Dispatch of medicines ● Transmission of professional documents ● Daily life advice ● In addition to the SIMPLE formula: - Accidental death: € 50,000 - Total disability following an accident: € 50,000 (reducible in the event of partial permanent disability according to the company scale) For all other detailed information: Please read this pdf

SCHENGEN Insurance - COMPLETE 16 to 30 days

Schengen insurance - complete 1 to 3 months, schengen insurance - complete additional month.

• Privacy Overview
• Strictly Necessary Cookies
• 3rd Party Cookies
• Marketing Cookies
• Privacy policy

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.

You can adjust all of your cookie settings by navigating the tabs on the left hand side.

Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings.

If you disable this cookie, we will not be able to save your preferences. This means that every time you visit this website you will need to enable or disable cookies again.

Some of the features of this site might be based on services provided by third-party sites.

Please enable Strictly Necessary Cookies first so that we can save your preferences!

This site uses marketing cookies, such as Google Analytics, to collect anonymous information such as the number of visitors to the site and the most popular pages. More information about Privacy policy .

More information about our Cookie Policy

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Safer travel starts with travel protection

If you are a travel agent or were referred by one, enter the ACCAM number below.

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

•   Weather

Search location by ZIP code

Rossen reports: is travel insurance really worth it.

• Copy Link Copy {copyShortcut} to copy Link copied!

GET THE ROSSEN REPORTS NEWSLETTER

Deals, scams, your money, unemployment— Jeff’s newsletter cuts through the noise.

You're watching everyone go and come back from spring break – so that might have you looking ahead to summer travel.

Right now, you should start booking your vacations if you plan on traveling at the beginning of the summer. While you book, you might be wondering about travel insurance – is it even worth it? Let's talk about it!

Travel insurance can cover everything from flight cancellations/delays to lost bags to medical emergencies. Usually, travel experts say policies can cost anywhere from 5 to 10% of the total price of your trip.

Travel insurance is going to depend on a few factors:

• Whether your trip is refundable already.
• Where you're going and for how long.
• Whether you'll have health coverage where you're going.

Travel insurance is worth it if:

• You're planning a LONG trip and you're making MULTIPLE reservations. Like a few different flights, hotel reservations, train tickets, excursions, etc. If it's a trip like this, you're putting in a lot of money – and there are multiple factors that could lead to a delay or cancellation along the way. Some of these things might be nonrefundable, too. What's an extra fee if that will save you money in the long run, right?
• You're going overseas and you won't have medical coverage there.
• It will give you peace of mind. For example, you have a loved one with a health issue, or your destination could have weather issues, like a hurricane. Both of those things could mean you need to cancel your trip. Insurance is worth it!

Travel insurance is not worth it if:

• Your trip is short and cost-efficient. If you scored a cheap flight and hotel reservation and the insurance fee is too big, don't bother.
• You don't need it for your flight and hotel based on their own policies. Airline rules vary, but they're a lot friendlier than they used to be. For some, you can even get an e-credit if you cancel a nonrefundable ticket. Most hotels let you cancel a trip by a certain deadline, like 24 hours before check-in. Look at your reservation policies first.
• Your credit card already offers it. Make sure you're looking at the credit card policies and booking with your card if it gives you protection.

Have a question for Jeff Rossen? He’s answering your consumer questions every Friday in the new segment "Rossen Responds." Email your questions to him at [email protected] .

Best International Travel Insurance for April 2024

Find a Qualified Financial Advisor

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

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance . Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance Companies

• Allianz Travel Insurance : Best overall
• World Nomads Travel Insurance : Best for exotic travel
• C&F Travel Insured : Best for trip interruption coverage
• Travelex Travel Insurance : Best for families
• Seven Corners Travel Insurance : Best for long-term travel

Compare the Top International Travel Insurance Plans

International travel insurance reviews, best international travel insurance overall: allianz travel insurance.

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best International Travel Insurance for Exotic Trips: World Nomads Travel Insurance

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best International Travel Insurance for Trip Interruption: C&F Travel Insured Travel Insurance

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best International Travel Insurance for Family Coverage: Travelex Travel Insurance

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best International Travel Insurance for Long Trips: Seven Corners Travel Insurance

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to Find the Right International Travel Insurance Company for You

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding International Travel Insurance Coverage Options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

International Travel Insurance Frequently Asked Questions 

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

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

We ranked and assigned superlatives to the best foreign travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

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

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

• Seven Corners Travel Insurance
• AIG Travel Guard
• Travelex Travel Insurance
• Trawick International Travel Insurance
• AXA Assistance USA
• TravelSafe Insurance

CFAR Travel Insurance Frequently Asked Questions

• Why You Should Trust Us

Best Cancel for Any Reason Travel Insurance

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

"Cancel for Any Reason" (CFAR) travel insurance provides the utmost flexibility, allowing you to cancel your trip for any reason that's not covered by standard travel insurance. It's the safety net for those 'just in case' moments, offering peace of mind for unforeseen circumstances. Let's dive into what sets CFAR cover apart from general-purpose best travel insurance policies .

• Seven Corners Travel Insurance : Best Overall
• Travel Guard : Best Value
• Travelex Travel Insurance : Best for Adventurers
• Trawick International Travel Insurance : Most Popular
• AXA Assistance USA : Best for Cruises and Tours
• TravelSafe Insurance : Best for Quick Protection

Compare the Top CFAR Insurance Offers

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

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

• 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

• 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)

• 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

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Best Cancel for Any Reason Insurance Reviews

Best overall cfar insurance: seven corners travel insurance.

Seven Corners Travel Insurance is a well-known carrier that has served thousands of travelers. The Trip Protection Choice plan offers a cancel for any reason travel insurance add-on that covers up to 75% of total trip costs, with a maximum of up to $75,000 in reimbursement. Medical coverage is also generous, with up to $500,000 per person for eligible medical expenses and evacuation/repatriation limits of up to $1 million per person.

Seven Corners also offers generous benefits on lost baggage and delayed travel or baggage expenses. Baggage delay benefits kick in after just six hours and go up to $500 per person. The Choice plan does not insure travel canceled by tour operators that are or have gone out of business, so this policy may not be the best fit for travelers who plan to visit destinations with tenuous

Read our Seven Corners Travel Insurance review here.

Best Value CFAR Travel Insurance: AIG Travel Guard Travel Insurance

Travel Guard  is one of the best-known names in the travel insurance industry, with several plans available for traveler needs in every direction. AIG also provided the lowest quote for our hypothetical Europe travelers despite offering the highest ceiling on CFAR reimbursement. Both AIG's Preferred and Deluxe insurance plans offer CFAR coverage as an add-on to the policy, and some policies cover up to 75% of total trip costs going all the way up to a maximum reimbursement of $112,500.

Many AIG policies also include COVID coverage even without CFAR protection, as well as some ancillary benefits such as rental car protection and even pet travel insurance.

Read our AIG Travel Guard Insurance review here.

Best CFAR Insurance for Adventurers: Travelex Travel Insurance

Travelex Travel Insurance is a great cancel for any reason option for travelers who plan to participate in strenuous or adventurous activities during their trip. While the CFAR coverage add-on only reimburses up to 75% of nonrefundable trip expenses, it still provides a certain modicum of peace of mind in case of emergencies, with cancellation available as an option up to 48 hours before travel begins. Travelex offers low medical coverage compared with its competitors, with a maximum of up to $50,000 per person. Travelers participating in adventure sports can purchase an optional add-on bundle for additional coverage. In case of emergency, Travelex policy holders might do well to consider the travel insurance benefits on their credit cards to supplement any potential medical expenses.

Read our Travelex Insurance review here.

Most Popular Cancel for any Reason Travel Insurance: Trawick Travel Insurance

Trawick International Travel Insurance had one of the priciest plans with CFAR coverage in our comparison, but the carrier's popularity amongst travelers is undeniable, for many reasons. The Safe Travels Explorer is particularly beneficial for pet owners who may incur medical expenses for their animals, as the plan includes up to $250 toward unexpected costs for cats and that who accompany their owners in their travels.

While Trawick's CFAR coverage was one of the most expensive add-ons we evaluated as well, the carrier offers generous compensation margins for travelers who need it, with up to 75% reimbursement for nonrefundable trip costs.

Read our Trawick Travel Insurance review here.

Best CFAR Coverage for Cruises: A XA Assistance USA Travel Insurance

AXA Assistance USA  is a great option for our hypothetical Europe cruise travelers, with its coverage of up to $1,500 per person for missed cruises and tours. This insurer also covers lost and delayed ski, sports and golf equipment – items that aren't always included in lost or delayed baggage coverage under other carriers. The rest of your belongings are safe too with AXA, as lost baggage claim ceilings are up to $3,000 per person - more than double some of its other competitors. Unfortunately, AXA may not be the best fit for travelers who need high-ticket travel protection, as the upper limit for CFAR reimbursement only goes up to a maximum of $50,000 despite covering up to 75% of total nonrefundable expenses, which is lower than the ceilings from other competitors such as AIG and Seven Corners. Furthermore, CFAR insurance coverage can only be added on to AXA's top-tier Platinum plan.

Read our AXA Assistance USA Travel Insurance review here

Best CFAR Coverage for Convenience: TravelSafe Travel Insurance

Travel insurance is a great option to consider if you have a lot of stops or transits on your trip, or if you are an expat living abroad. This insurer offers flexible coverage terms for longer travel durations. If you are 79 years old or younger, you can purchase a single-trip travel insurance plan that can cover your adventures for up to 120 days. Furthermore, reimbursement for baggage delays and losses, trip delays and missed connections kick in far more quickly than most competitors, with up to $2,500 per person for eligible missed travel connections available at the three-hour mark.

While TravelSafe's medical coverage of up to $100,000 may be on the lower side for travelers who anticipate potential medical expenses, those with the right credit cards may be able to supplement their emergency costs through a claim with their card issuer.

Read our TravelSafe Insurance review here.

Understanding 'Cancel for Any Reason' Coverage

Key features.

CFAR policies are unique; they allow cancellation for reasons beyond the usual covered reasons of travel insurance policies. This includes fear of traveling due to a pandemic or a sudden change of mind. However, it's essential to understand the specifics, such as the percentage of the trip cost reimbursed and the time frame for cancellation.

How CFAR Differs from Standard Policies

Unlike traditional travel insurance policies that cover specific cancellation reasons like illness or weather-related issues, CFAR offers a broader spectrum of coverage. It's the premium choice for travelers seeking full control over their plans.

That said, you must also buy travel insurance early if you want to qualify for a CFAR policy, usually within a certain period from when you place a deposit on your trip. That's why it's important to be mindful of when you buy travel insurance . 

How to Pick The Best CFAR Travel Insurance Plan for You

There is no one-size-fits-all "best" insurance plan, especially for CFAR coverage, which can add to your insurance premium. Even for the same person, the right policy will vary from trip to trip, depending on your activities.

If you're primarily concerned about getting your money back if your schedule changes, you may be able to get away with a basic plan that allows you to add CFAR coverage. If you're undertaking a grueling hike through some challenging mountain ranges, you may want to select a policy that includes generous medical and evacuation protection, plus flexibility to reschedule or re-book your trip in case of injury. And if you plan to visit a number of destinations within a short amount of time, trip delay or baggage loss protection may need to be one of your top priorities.

Steps to Choosing CFAR Coverage

• Evaluating Your Travel Needs Consider the nature of your trip, destinations, and what uncertainties you might face. This will help determine the level of travel insurance coverage you need.
• Comparing Prices and Benefits Analyze different policies in terms of cost, coverage percentage, and additional benefits. Look for the best value for your specific needs.
• Reading the Fine Print Understanding the terms and conditions, including the cancellation window and reimbursement process, is crucial to avoid any surprises.
• Making the Most of Your Policy Once you've chosen a policy, it's important to know how to use it effectively.
• Understanding Your Policy Familiarize yourself with the details of your policy, including how and when to file a claim.
• Tips for Filing a Claim Be timely and thorough when filing a claim. Keep all relevant documents handy and follow the provider's process closely to ensure a smooth experience.

CFAR insurance is purchased as an add-on to a single trip travel insurance policy. It will affect how much you can receive for a canceled trip, but won't affect your other benefits. 

No, insurance providers generally don't offer CFAR for multi-trip annual plans. It's limited to single trip travel insurance.

This varies by provider, but typically, CFAR policies reimburse between 50% and 75% of the pre-paid, non-refundable trip cost.

Yes, cancel for any reason travel insurance is worth it if there's a chance you need to change your travel plans. Traditional travel insurance only offers cancellation coverage for specific reasons, so CFAR insurance provides extra coverage and peace of mind. It also reduces the amount of paperwork necessary for filing a claim.

Trip cancellation coverage is a benefit of standard travel insurance plans, offering reimbursement if your trip needs to be canceled for specific covered reasons, such as a death in the family or illness. On the other hand, cancel for any reason insurance, reimburses you for a canceled trip regardless of the reason, so there are fewer restrictions.

Why You Should Trust Us: How We Chose the Best CFAR Travel Insurance

Business Insider reviewed numerous insurance products looking for the best options. Especially when it come to travel insurance, each traveler has a distinct experience and plan. So we looked for companies offering the optimal coverage packages for certain groups.

To accurately compare the cost of CFAR coverage from the insurance carriers we recommend, we collected quotes for a hypothetical two-week trip to three countries in Europe for two travelers ages 38 and 45 that includes a river cruise, renting a vacation home, and taking several flights. The total cost of travel comes out to $14,000 between two people.

The main factors we evaluated when picking our top CFAR travel insurance options were: policy cost, level of protection, claims experience, and policy types.

All our reviews are independently done, meaning travel insurance companies don't get to review or approve our reviews. Similarly, our top guide spots are not for sale. All placements are earned through strong coverage, efficient claims handling, and strong customer service.

Read our insurance rating methodology for more details.

• Main content

TSA PreCheck adds 8 new international airlines to its program

Eight new international airlines have joined the TSA PreCheck program, allowing eligible passengers flying to destinations like Tahiti or the Bahamas to enjoy a faster airport security screening process, the Transportation Security Administration announced Thursday.

The recently added airlines include Air Premia, Air Tahiti Nui, Air Transat, Bahamasair, BermudAir, Iberia, La Compagnie and New Pacific Airlines.

Enrolled passengers can use the TSA PreCheck lane when flying these airlines from one of the more than 200 airports throughout the U.S. and its territories, or if they're connecting on a domestic flight after returning to the country from a foreign airport.

The recently added airlines bring the total airlines participating in the Trusted Traveler Program to almost 100, the announcement said.

TSA firearm detections hit record high: And the vast majority were loaded

Learn more: Best travel insurance

"About 99% of TSA PreCheck passengers wait less than 10 minutes in dedicated lanes at airport checkpoints nationwide," the TSA said. Membership for TSA PreCheck lasts five years, and takes a five-minute-long online application and 10 minute in-person interview to enroll.

In December, TSA added four airlines  – Norse Atlantic Airways, Lynx Air, Starlux Airlines and Fiji Airways –to its roster.

Kathleen Wong is a travel reporter for USA TODAY based in Hawaii. You can reach her at [email protected] .