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The 5 Best Annual Travel Insurance Plans

annual travel insurance europe compare

Allianz Travel Insurance »

annual travel insurance europe compare

AIG Travel Guard »

annual travel insurance europe compare

Seven Corners »

annual travel insurance europe compare

GeoBlue »

annual travel insurance europe compare

Trawick International »

Why Trust Us

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

Table of Contents

  • Rating Details
  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance can be a smart move for most trips, but if you're someone who travels frequently, you might want to consider annual travel insurance. Whether you regularly travel for business and/or you take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to buy a plan every time you leave home.

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

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

Best Annual Travel Insurance Plans in Detail

Tailor your annual travel insurance plan to your needs

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

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

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

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

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

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

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

  • Up to $50 per article in coverage for lost luggage ($500 coverage total per occurrence)
  • Baggage delay insurance worth up to $250 per occurrence
  • Up to $5,000 in coverage for trip interruption
  • Up to $100 per day in travel delay coverage (two-day limit on coverage)
  • Up to $200 in protection for lost or stolen documents
  • Personal liability protection worth up to $25,000
  • Up to $550 in border entry protection for non-U.S. residents traveling to the U.S.

Annual Travel Insurance Plan offers year-round travel insurance protection

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

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

No coverage for preexisting medical conditions

  • Up to $2,500 in coverage for trip interruption
  • Up to $1,500 in coverage for trip delays of five-plus hours
  • Missed connection coverage worth up to $500
  • Up to $2,500 in baggage insurance
  • Baggage delay coverage worth up to $1,000 for delays of at least 12 hours
  • Up to $50,000 for emergency medical expenses and $500 for emergency dental
  • Up to $500,000 for emergency evacuation and repatriation of remains

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

  • Trip cancellation coverage up to $10,000
  • Trip interruption coverage up to $10,000
  • Up to $300 in protection for itinerary changes
  • $750 for trip delays (up to $200 per day for delays of 12 hours or longer)
  • Up to $1,000 in coverage per trip for baggage and personal effects
  • Baggage delay coverage up to $250
  • Up to $50,000 for emergency medical expenses
  • Up to $250,000 in emergency medical evacuation and repatriation coverage
  • Up to $25,000 in AD&D coverage
  • 24-hour travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

  • Up to $1 million in coverage for medical expenses (though coverage is limited to $100,000 for travelers ages 70 to 95)
  • Up to $500,000 toward emergency medical evacuation
  • Up to $5,000 in reimbursement for outpatient prescription drugs
  • Up to $500 per trip period in coverage for lost baggage (up to $100 per bag)

Frequently Asked Questions

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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annual travel insurance europe compare

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Best Annual Travel Insurance in 2024

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

annual travel insurance europe compare

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

annual travel insurance europe compare

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

annual travel insurance europe compare

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

annual travel insurance europe compare

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

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

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

Chase Sapphire Preferred Credit Card

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

annual travel insurance europe compare

The best travel insurance policies and providers

Katie Genter

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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).

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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.

annual travel insurance europe compare

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

annual travel insurance europe compare

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?

annual travel insurance europe compare

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?

annual travel insurance europe compare

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?

annual travel insurance europe compare

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

annual travel insurance europe compare

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 .

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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

The 11 Best Annual Travel Insurance Policies

GeoBlue Travel Insurance annual plan comparison chart

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic page banner

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz AllTrips annual plan options

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz AllTrips Premier start quote page

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

ASI Affinity Voyager annual plan

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

What Is Annual Travel Insurance?

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

Couple reviewing financial documents

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Family playing at the beach with snorkel

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Woman Sick in Bed Sneezing

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Best Europe travel insurance for Schengen visa of 2024

Home | Travel | Europe | Best Europe travel insurance for Schengen visa of 2024

Buying travel insurance for Europe is one of the main requirements to get a Schengen visa, whether you’re traveling, studying, or doing business on the European continent.

However, if you don’t need a Schengen Visa , you may be asking yourself: Do I need medical travel insurance for Europe? Even if you’re not applying for a Schengen visa, buying travel insurance to Europe is a good idea. As I mentioned in my article on the best international travel insurance companies , if you want the peace of mind that comes with knowing you’re protected in any unforeseen circumstances, you should buy EU travel insurance .

Sicily, best European travel insurance

Not everyone needs the same kind of coverage, so in this article, we’ll reveal the best Europe travel insurance , as well as the best Schengen visa insurance that meets all Schengen visa insurance requirements .

Schengen visa insurance requirements

  • Europe travel insurance cost & comparison

Best Schengen visa insurance

  • Travel insurance to Europe coverage

Not to spoil the surprise, but Heymondo is both the best European travel insurance and the best Schengen insurance since it offers comprehensive coverage for an affordable price. Not only that, but it’s one of the top COVID travel insurance options and was the first company to offer coronavirus coverage. Heymondo is also the only Europe travel insurance that pays your medical expenses upfront for you instead of requiring you to file a claim to get reimbursed .

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5% OFF your travel insurance

To obtain a Schengen visa, you must have Schengen visa travel insurance . Schengen visa insurance requirements are as follows:

  • A minimum coverage of €30,000 for medical emergencies and accidents : European medical expenses aren’t cheap, which is why emergency medical coverage is a Schengen visa insurance requirement . No matter where you travel in the Schengen Area, if you catch an infection or suffer from an injury, your medical fees will be covered.
  • Coverage of repatriation fees in case of medical incidents or death : You may fall gravely ill in a remote area or require further medical attention for a serious injury. In that case, you will need to be transported back to your home country, which can be expensive. Coverage for repatriation means that you won’t have to shell out tons of money just to get back home for treatment; your insurance will cover the transportation fees for you.
  • Coverage of all 26 Schengen Area countries that lasts the entire length of your trip : Even if you’re not planning to visit all 26 countries (which would be incredibly ambitious!), you need to be covered in all of them. Many Schengen visa insurance companies allow you to select “Europe” as your coverage area, which will give you the coverage that you need. Make sure to check the fine print of your insurance policy to ensure you don’t have any problems when you apply for your visa .

What countries are in the Schengen Area?

schengen area eu countries

The 26 countries that make up the Schengen Area are:

  • Czech Republic
  • Liechtenstein
  • Netherlands
  • Switzerland

Of those countries, Iceland, Liechtenstein, Norway, and Switzerland are the only countries that don’t also belong to the European Union.

How much is travel insurance to Europe?

The cost of travel insurance to Europe depends on several factors, including your age, your destination, your home country/state (if you live in the US), the length of your trip, and the cost of your trip. Your travel insurance for Schengen visa cost will be based on similar considerations. However, no matter the cost, you want travel insurance even for the cheapest places to visit in Europe .

Compare travel insurance for Schengen visa

For this Schengen travel insurance comparison , I am using the example of a 30-year-old American male citizen who is from Pennsylvania and is traveling to Spain for two weeks, with a trip cost of $2,500.

In terms of Schengen visa insurance requirements, all five Schengen visa insurance companies offer more than €30,000 worth of medical coverage as well as coverage for repatriation and coverage in the Schengen Area/Europe.

*Price used for example .

As you can see from the Schengen travel insurance comparison above, Heymondo is by far the best travel insurance for Europe and the best Schengen insurance .

It is the only travel insurance for Europe that pays customers’ medical expenses upfront instead of having them pay the expenses and then, file a claim to get reimbursed. Of the five Schengen visa insurance companies we compared, it is the most affordable while matching or even exceeding most other plans’ coverage.

Of course, all five of these travel insurance for Europe plans have their own advantages, so below you’ll find more information on what makes these plans the best European travel insurance .

1. Heymondo , the best Europe travel insurance

If you’re looking for the best travel insurance for Europe , look no further than Heymondo . Their Top plan is the only Europe travel insurance plan that pays your medical expenses for you instead of requiring you to file a claim to get reimbursed after you pay yourself.

heymondo travel insurance, schengen visa travel insurance

Heymondo offers the highest amount of coverage for emergency medical expenses, trip cancellation, and baggage loss, while its repatriation coverage matches or exceeds that of all other companies besides World Trips.

The Top plan is also the cheapest travel insurance for Schengen visa  since it meets all of the Schengen visa insurance requirements (way more than €30,000 worth of emergency medical coverage, coverage for evacuation and repatriation, and coverage throughout the entire Schengen Area) while still being the most affordable.

We have been using it for all our trips during the last two years and their traveler assistance service is superb. If you want to get Heymondo travel insurance to Europe for an even more affordable price, you can save 5% with the Heymondo discount link below.

2. World Nomads , a cheap insurance for European travel

Another cheap Schengen travel insurance is World Nomads .

Their Standard plan is affordably priced and meets the Schengen visa insurance requirements of repatriation coverage and more than €30,000 worth of emergency medical coverage. It also offers the option of selecting either Europe or Schengen area as your coverage area, making it ideal for both travel insurance for Europe and Schengen visa insurance .

best travel insurance for europe

While World Nomads is an excellent travel insurance for Europe , keep in mind that you will have to file a claim to get reimbursed for any medical expenses you incur. If you’d rather avoid this process, Heymondo is a better choice for you.

3. IMG , the best medical travel insurance for Europe

IMG is a great choice if you want the best health insurance for travel to Europe . Their iTravelInsured Travel SE plan offers a high amount of emergency medical and evacuation and repatriation coverage. It also provides excellent travel-related coverage for trip cancellation and baggage loss.

travel insurance for Europe Img global

The iTravelInsured Travel SE plan is affordably priced and meets all Schengen visa insurance requirements . Still, if you want the cheapest travel insurance to Europe , you can get similar coverage for a lower price with Heymondo .

4. Travelex , a reliable European holiday insurance

If you’re looking for dependable Schengen visa insurance , Travelex is perfect for you. Their coverage includes all of Europe, not just the Schengen Area, so it’s ideal for a multi-stop European vacation. Their Select plan offers solid evacuation and repatriation, baggage loss, and trip cancellation coverage, and meets all Schengen visa insurance requirements .

travelex travel insurance for Europe and schengen area

However, the Select plan’s emergency medical expenses coverage leaves much to be desired since it covers the lowest amount out of all the plans I compared, even though the Select plan is the most expensive. Ultimately, you can get much better coverage for a lower price with a plan like Heymondo ’s.

5. WorldTrips , a good travel insurance for Europe

Yet another of the best travel insurance plans for a Europe trip is WorldTrips . Their Preferred plan offers excellent all-around coverage as well as the highest amount of evacuation and repatriation coverage.

world trips health insurance for travel to europe

WorldTrips’ Preferred plan easily meets Schengen visa insurance requirements since it offers $100,000 of emergency medical coverage, coverage in the Schengen Area, and repatriation coverage. However, it is not the most affordable plan since Heymondo ’s plan is cheaper and still offers higher coverage in some areas.

What should travel insurance to Europe cover?

The best European travel insurance includes coverage for the following expenses and situations:

  • Emergency medical expense coverage : this is the bare minimum you need in terms of travel insurance to Europe. Medical fees can get expensive when you don’t have insurance to cover you, and anything can happen when you’re traveling; you could sprain an ankle while walking across cobblestones, experience food poisoning after eating undercooked meat, or contract an illness after encountering someone who’s sick. If you want to buy the cheapest travel insurance for Europe , purchase medical travel insurance for Europe . You’ll save money and still get the emergency medical expense coverage you need.
  • Emergency medical evacuation and repatriation : if you get sick or injured, it may be in a remote area with limited facilities, or your ailment might be serious enough that you need to return to your home country for treatment. With evacuation and repatriation coverage, you won’t have to worry about paying for expensive transportation fees.
  • Trip cancellation: unexpected injuries, illnesses, weather, and work issues could happen at any time and potentially derail your trip. Travel insurance with trip cancellation coverage ensures that you’ll be reimbursed for 100% of your travel costs as long as your cancellation reason is covered by the policy. If you want to be able to cancel your trip for any reason, travel insurance with cancel for any reason is the perfect option.

What should travel insurance to Europe cover?

  • Trip interruption: if you’re visiting multiple countries in Europe, this type of coverage is especially helpful, since something unexpected may come up in the middle of your journey. A family member could fall ill, a natural disaster could occur at your destination or your home, or an unexpected strike could happen. Instead of losing all the money you have paid for the rest of your trip, you can get reimbursed for your travel costs with Europe travel insurance with trip interruption coverage.
  • Baggage loss: theft/loss of your belongings is a common travel hazard, whether it’s the airline losing your luggage, a pickpocket grabbing your phone and wallet, or a stranger taking your suitcase on a train. Baggage loss coverage is an important part of travel insurance for Europe because if you lose your belongings, you will have to replace them, so why not get insurance that reimburses you instead of paying for it out of your own pocket?

Do you need travel insurance to Europe?

Yes, you need travel insurance to Europe if you must have a visa to enter the Schengen Area. Of course, not all travelers are required to obtain a Schengen visa – you can check which countries need a Schengen visa to visit the Schengen Area below.

WHAT COUNTRIES NEED A SCHENGEN VISA TO VISIT THE SCHENGEN AREA?

Travelers from the following countries must obtain a Schengen visa in order to visit the Schengen Area:

Even if you aren’t required to get a Schengen visa, it can still be very helpful to buy Europe travel insurance . Many of the experiences I’ve had, as well as my friends’ and family’s experiences, highlight what a difference having travel insurance for Europe can make.

For example, I was studying English in Ireland with my cousin when he had to have emergency surgery for appendicitis. Luckily, he had EU travel insurance , so the cost of his operation was covered. If he hadn’t had travel insurance for Europe , he would have been stuck paying thousands of euros.

Once, on a trip to Germany, my suitcase never arrived. I was stressed out about not having any clothes or toiletries, but since I had remembered to buy Europe travel insurance before I left, my insurance company covered the cost of all the clothes and basics I needed to repurchase.

Syracuse, Europe travel insurance

Those were two situations that had happy endings, but other travel mishaps have ended less happily because of forgetting to buy travel insurance to Europe .

Years ago, I’d planned a trip to the Ukraine but had to cancel it because of a family emergency. Since I hadn’t purchased travelers insurance for Europe , I lost all of the money I had already paid for flights and accommodation.

Similarly, my mom didn’t bother to purchase Europe travel insurance before traveling to London. Her bag was stolen in a bar, and she lost her cell phone, wallet (with ID and credit cards inside), and camera. She had to pay to replace everything herself because she had no European holiday insurance coverage.

As you can see from the examples above, all kinds of unexpected things could happen to you while you’re traveling. It’s always better to have the security of travel insurance for Europe rather than to risk learning your lesson the hard way.

Is travel insurance to Europe worth it?

Still wondering if you really need travel insurance for Europe ? If you’re applying for a Schengen visa, then yes, Schengen travel insurance is worth it because you won’t be able to obtain your visa and enter the Schengen Area without it.

Even if you don’t need a Schengen visa, Europe travel insurance is still worth it because it’s always safer to travel with travel insurance: you won’t have to worry about paying for medical fees, replacing lost luggage out of your own pocket, or losing money if you need to cancel your trip.

In either case, Heymondo is the best travel insurance for Europe since it offers excellent coverage for a relatively low price as well as direct, upfront payments for medical expenses. If you want even cheaper Heymondo Europe travel insurance , you can get 5% off with the discount link below.

annual travel insurance europe compare

Ascen Aynat

Comparativa de los mejores seguros de viaje 2024 Covid-19 - Cuándo contratar un seguro de viaje - Seguro de viaje para estudiantes - Seguro de viaje Erasmus

14 replies on “ Best Europe travel insurance for Schengen visa of 2024 ”

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Is there a Schengen insurance that covers the UK on the same trip?

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Hi Supinda, Yes, with the companies above, you can find European travel insurance plans that cover Schengen countries and the UK.

' src=

I wish to travel multiple trips to Europe 4-5 days duration

4-5 trips per year Mostly with my kids

Then I recommend you annual multi-trip travel insurance instead.

Let me know if you have any questions, Ascen

' src=

We are a family of four and applying for long term resident visa for Spain. We need health insurance for the visa. What do you recommend?

How long are you planning to stay in Spain. I usually recommend Heymondo, but if you’re staying for long, maybe it’s better to get a health insurance instead of a Travel Insurance,

Thanks, Ascen

' src=

Great information. Thank you so much for the information. Amazing services are there. i am very glad to see this blog. in the Schengen visa Itinerary also, providing good services like Flight Itinerary, Hotel Reservation and Travel Insurance are there.

' src=

hi Nigeria passport holder want to attend 15 days course in amsterdam Netherland base in Dubai UAE which travel insurance do you recommend for me thanks

' src=

I would try this one.

Let me know what you think.

' src=

We are a family of five traveling to Italy from the US. We are planning to do some hikes there. Which insurance do you recommend?

If you are going to have any kind of hiking or adventure sport I would go with insuremytrip standard for sure. It is the best insurance for Europe if you plan up to 2000m.

' src=

Thanks for this great post! I found all the info I need to decide which is the best travel insurance for my trip to Europe. I hope don’t have to use it though

I am glad to read you! Let me know if you have any question and safe travels!

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annual travel insurance europe compare

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

Travel Insurance Tips

  • Why You Should Trust Us

Ultimate Guide to Choosing the Best Travel Insurance

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

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

Best Travel Insurance Companies

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

Compare the Top Travel Insurance Offers

Nationwide Nationwide Travel Insurance

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

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

  • Cancel for any reason coverage available

AXA AXA Assistance USA

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

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

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

AIG Travel Guard

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

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

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

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

Berkshire Hathaway Berkshire Hathaway Travel Protection

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

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

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

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

TinLeg Tin Leg Travel Insurance

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

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

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

WorldTrips WorldTrips Travel Insurance

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

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

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

Trawick Trawick International Travel Insurance

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

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

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

Travelex Travelex Travel Insurance

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

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

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

Best Travel Insurance Reviews

Best overall travel insurance: nationwide travel insurance.

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

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

Nationwide Travel Insurance Review

Runner-Up: AXA Assistance USA Travel Insurance

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

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

AXA Assistance USA Travel Insurance Review

AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises

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

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

AIG Travel Guard Review

Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection

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

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

Berkshire Hathaway Travel Insurance Review

Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance

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

Tin Leg Travel Insurance Review .

Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance

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

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

WorldTrips Travel Insurance Review

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

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

Trawick Travel Insurance Review

Best Travel Insurance for Road Trips: Travelex Travel Insurance

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

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

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

Travelex Travel Insurance Review

Introduction to Travel Insurance

Why travel insurance is a must-have.

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

Understanding Different Types of Travel Insurance

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

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

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

Trip Cancellation and Interruption Benefits

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

Coverage for Personal Belongings and Baggage Loss

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

Support and Assistance Services

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

Choosing Travel Insurance

Reputation and reliability of the travel insurance provider.

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

Understanding the Policy's Fine Print

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

Customer Reviews and Feedback

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

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

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

Steps to Take When a Problem Arises

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

How to Pick the Best Travel Insurance Company for You

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

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

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

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

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

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

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

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

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

Guide Methodology: What We Considered

Policy Types

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

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

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

Convenience and Flexibility

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

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

Claims Handling

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

Ease of Use and Support

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

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

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

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

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Compare great value Travel Insurance for your next trip!

Single Trip

Annual Multi-Trip

Do you Travel more than once a year?

Annual Multi-Trip

Winter Sports

Planning on hitting the slopes this winter?

Winter Sports

Planning a once in a lifetime cruise holiday?

Cruise

At Insurancecomparison.ie

We compare travel insurance quotes from the leading brands, helping you to find the most suitable travel insurance product for your upcoming trip..

  • Step 1 - Enter your details
  • Step 2 - Compare quotes from leading providers
  • Step 3- Choose and book
  • Step 4 - Relax and enjoy your holiday :)

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Why buy travel insurance for your trip?

Buying travel insurance can help cover you for things that can go wrong when you are abroad, particularly if you get ill or injured. in addition a policy can help if you lose possessions, or have a delayed flight., a policy would normally cover you for the following:.

Medical expenses incurred abroad

Cancellation or curtailment

Personal liability

Emergency Assistance and repatriation

Personal possessions

Travel delay

Whether you’re exploring Europe or travelling worldwide, cruising the open seas, or hitting the slopes this winter to partake in winter sports, our travel insurance comparison tool will help you identify the best travel insurance policy quickly and easily.

Simply follow the process above, telling us some details about your trip, yourself and your travelling party. Our panel offers cover for individuals, families, couples or groups , with different cover levels and excesses. In addition some of our panellists offer cover for pre-existing medical conditions.

DO I REALLY NEED TRAVEL INSURANCE?

It is not a legal requirement to have travel insurance when abroad but if you don’t, and you require medical treatment while you’re away, you may have to pay the bill. These bills can be very expensive, for example treatment in the USA should your appendix rupture can sometimes cost in excess of 10,000 Euros. By taking out a comprehensive insurance policy, you can have that peace of mind that if the worst were to happen you would likely be covered.

Do I need Travel Insurance for Europe?

It is a good idea to have comprehensive travel insurance in Europe. The European Health Insurance Card (EHIC) only covers medical care in certain public facilities and will not cover any repatriation costs to get you home, should the worst happen. Some insurers on our panel will waive the medical excess if an EHIC is used, so travelling with one can be a way to also save money .

What medical conditions do I need to declare?

Not all insurers on our panel will cover claims arising directly or indirectly from a pre-existing medical condition. A summary document of each schemes Important Conditions relating to health is provided in the results section when you progress through a quote. You will need to read this document carefully before purchasing any policy and notify the insurer where applicable.

What happens if I develop a medical conditions after I buy a policy?

It's important that you declare any changes to your health or medical conditions, even after you have bought your policy. Please contact the insurance provider directly.

Am I covered for sports and activities?

Our panel of travel insurance policies will all include cover for some sports and activities as standard. However other activities will be excluded or you may need to pay an additional premium to cover. Please check the policy terms and conditions before purchasing.

Will my policy cover cancellation?

Most policies on our panel will cover cancellation due to unforeseen specified circumstances. You can select the amount appropriate to the cost of your trip. Please note for single trip policies cancellation benefit is applicable from the date you purchased the policy. For Annual Multi Trip policies cancellation cover starts from the date you book your trip or the commencement date of the policy whichever is later and ceases on the policy expiry date unless you renew with your insurer.

What is an excess?

An excess is the agreed amount of money you will pay towards a claim, these are usually calculated per person per claim, but can vary between policies. Once the excess has been settled, your insurance provider will then pay the remaining expenses up to the cover limit.

What is repatriation?

Repatriation is the return of your body back to the Republic of Ireland for medical treatment, if it was to be deemed necessarily. This benefit also covers the repatriation of your body if you pass away whilst abroad.

What is the difference between Single trip and Annual Multi Trip cover?

A single trip policy is designed to cover a specific holiday. You will need to select the destination countries and when the trip will start and end to receive a quotation. An annual multi-trip policy is designed to cover multiple trips within a 12-month period. Therefore, if you or your family are regular travellers, travelling more than once per year, an annual policy could save you time and money. Most policies have maximum trip duration limitations, so please check policy documentation before purchasing.

Why are cruise and winter sports cover more expensive?

When you go on a cruise or go on a winter sports holiday,  these are likely to incur the insurer additional costs compared to a typical holiday, for example, the cost of getting you off the ship if you were ill or if you require an emergency evacuation off a mountain if you were to injure yourself on the slopes. There are also extra product benefits are often added to the policy to cover things such as missed port departure, cabin confinement and itinerary changes, and for winter sports benefits such as piste closure and cover towards ski and snowboarding equipment. These will vary between providers on the panel so please check the policy documentation.

What isn’t typically covered by Travel Insurance?

Each holiday Insurance will have its own policy terms, conditions and exclusions. These will be made clear on the policy wording and a summary can be found in the Insurance product information document (IPID for short). It is important to check these before you Travel. Some travel insurance exclusions are fairly standard, though, which means it is unlikely you would be covered for the following:

  • Alcohol related incidences.  
  • Extreme sports and activities (some insurers will offer to cover these at an additional premium).
  • Medical expenses if you give birth overseas. Most policies do not define pregnancy as a medical condition but are unlikely to cover if you are travelling near your due date.
  • Needless exposure to danger.
  • Travelling against the advice of the department for Foreign Affairs (DFA) or World Helath Organisation (WHO).

How can I get cheap travel insurance?

When you buy holiday insurance it’s important to always choose a policy that is most appropriate for your individual needs. The cheapest travel insurance may sometimes not give you the level of cover you actually need, which could end up costing you a lot more in the long run. That doesn’t mean you should spend a fortune but it is good to check the coverage of a range of providers, our quote engine will allow you to select the amount of coverage you need for benefits such as cancellation cover and baggage cover and compare. Other ways to obtain cheaper travel insurance quotes include purchase an annual policy if you travel regularly, or select a higher excess (this could cost you more if you need to make a claim though), again you can select the excess amount and compare travel insurance quotes.

How do I compare travel insurance?

Our comparison tool will allow you to compare holiday insurance quotes. When you enter your details, you can specify the maximum excess you would like to pay, and the minimum cancellation and baggage benefit you require, as well as optional extras such as winter sports and cruise. The results presented will be to the specified criteria making it easier to compare travel insurance. You will also need to check documentation as each policy has its own terms, conditions and exclusions.

Covid-19 FAQ’s

In order to help you understand what is and isn’t covered under various scenario’s please read the below FAQ’s concerning Covid-19.

Before you travel please check the Department of Foreign Affairs (DFA) website https://www.dfa.ie/travel/travel-advice/ to get the most up to date information on travel guidance. If the DFA advises against all or all but essential travel policies sold on this platform will not cover you.

Am I covered if I get Covid-19 whilst abroad and require medical treatment?

This would be covered as standard on all policies offered on the platform – please note however that no cover would be in place if you are travelling against the advice of the Department of Foreign Affairs (DFA) or against medical advice.

Am I covered if either myself or my travelling companion has had to self-isolate because we have come into contact with someone with Covid-19?

Get Cover, Accident & General and Travelsafe.ie offer coverage but will only cover if a positive diagnosis has been made. If there has been no diagnosis and you have only been asked to self-isolate, then you would not be covered under these policies.

Am I covered if my trip is going ahead but I no longer wish to travel?

No providers on our panel offer cover for disinclination to travel.

Am I covered if the Department for Foreign Affairs advises against all but essential travel to my destination?

No cover under this policy for this scenario. Please check the DFA website before you travel https://www.dfa.ie/travel/travel-advice/

Am I covered if government restrictions are in place that advise travel is OK but a quarantine period is required on arrival back to Ireland?

 No cover is in place for disinclination to travel should you wish to cancel for this reason.

Can I still buy Travel Insurance and will it cover Covid-19?

Travel Insurance is still available to but via Insurancecomparison.ie – and every provider on our platform provides emergency medical assistance and repatriation for Covid-19 as a minimum. This means that if you are diagnosed with coronavirus whilst abroad you would be covered for medical treatment and getting back to the UK if deemed necessary.

Will Travel Insurance cover me if I have to cancel my trip following a positive diagnosis of Covid-19?

Get Cover, Accident & General, and Travelsafe.ie now cover cancellation if you or a travelling companion receive a positive Covid-19 diagnosis in advance of the trip. Cover would not apply if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of the issue date.

6 Travel Insurance benefits

By having travel insurance, you are covering yourself against travel emergencies and risks

11 Reasons you need travel insurance

Planning your trip is almost as exciting as finally departing on it but you need to ensure you are covered

All you need to know about travel insurance

Insurance Comparison compare travel insurance policies so you are sure to have the best cover available for your trip and your budget.

Are your gadgets covered on your travel insurance policy

Gadget cover on your travel insurance (depending on your policy) could protect your gadgets

Backpacker Travel Insurance

Backpacking is one of the most incredible ways to travel

Cover your tech when you travel?

Use a comparison engine like Insurance Comparison to ensure you buy the right cover for your trip and your tech.

Delayed, lost or damaged luggage: what you need to know

With Insurance Comparison you can compare many travel insurance policies from top brands in Ireland at a click of a button.

Different Travel Policy Types

Planning your next trip is exciting, always ensure you are covered for the unforeseen.

Emergency Assistance

Travelling with peace of mind is probably one of the most important elements of your trip.

Emergency Dental Cover when Travelling

Insurance Comparison is a quick and easy way to compare travel insurance policies on one website

Ensure you have travel insurance

Travel insurance can help give you that peace of mind while on an overseas holiday

Essential tips for business travellers

Ensure your hotel and flight offers Wi-Fi as part of your package so you are sure to be prepared the moment your feet hit the ground.

Extra cover for sports activities when travelling

No matter what your idea of a holiday is, relaxing next to the pool or the exhilaration of jumping off a bridge, you must ensure your travel insurance would have you covered.

Extreme sports and travel insurance

If you are planning on anything adventurous make sure your travel insurance would cover you for adventure sport.

Family travel insurance

Travel insurance is important as you might have secured you and your family against any medical costs that you may incur in case of an accident.

Flight Delays and Travel Insurance

In addition to your airline being responsible to look after you in the case of a delay, some travel insurance policies also offer cover in the case of flight delays.

Flight delays: What to expect from your airline

You booked your flight and you are so excited for this trip – a trip of a lifetime, but things don’t always go as planned.

Flight overbooking: what you need to know

Always ensure you rather check in early if you have time constraints so a seat will be assigned to you and the chances of you getting bumped decrease.

Hazardous Activities Cover

Most travel insurance policies do not cover the more hazardous/extreme sports as standard so it is important to check the coverage of your policy.

How to compare travel insurance policies?

It’s always exciting to plan your trip, but finding the right travel insurance for you and your budget can take a lot of time.

How to make a travel insurance claim?

To make a claim easier we recommend that you are always thorough in your application for travel insurance especially when it comes to health and pre-existing conditions.

How to maximise your travel insurance

Taking a trip overseas can be an exciting holiday – when planning your holiday also start thinking about the must-haves you will need when buying travel insurance and add it to a list.

How to stay healthy while travelling

The last thing you need on your long overdue holiday is falling sick, but this does sometimes happen.

How to Travel with Peace of Mind

A good start would be to compare travel insurance policies using a comparison engine like Insurance Comparison.ie.

Is trip cancellation included in your travel insurance?

It’s a good idea to have travel insurance in case of an emergency or you have to cancel the trip.

Is your credit card travel insurance enough?

At Insurance Comparison we recommend you compare a range of travel policies, it’s costs, it’s excess and its benefits so you can make an informed choice

Lost your travel tickets? Here’s what you do:

Almost every airline now offers electronic tickets to replace the traditional paper tickets and what a relief.

Make sure you are covered for your next trip

Travel insurance policies could cover medical expenses, trip cancellation, lost or stolen luggage and some policies include liability cover too.

Medical costs abroad

Travel insurance is the first thing you should buy for your trip overseas so you are sure to be covered from unexpected medical costs and travel-related emergencies.

Multi Trip Travel Insurance

Before you purchase your annual travel policy make sure you know how many trips are covered, some policies cap the maximum number of days you can take per  trip and/or the maximum days you can spend abroad over the year.

Our guide on holiday cancellation insurance

Travel insurance can be purchased for a family or if you are travelling alone you would need individual travel insurance.

Our guide on medical expenses cover

Medical expenses are one of the main reasons you should consider taking out travel insurance.

Our guide on personal liability cover

Liability insurance is generally included in travel insurance policies and can cover third-party claims.

Our top 5 holiday tips!

Going on holiday is exciting but it can be extremely stressful and can start with early morning hours, long lines, busy airports, frequent flight delays and long layovers!

Over 60's Travel Insurance

Most travel policies have age limits, use a comparison engine like Insurance Comparison to compare a big range of reputably travel insurance policies and travel insurance companies so you are sure to have the best policy that best meets your needs.

Personal Accident

If you are unfortunate to have an accident abroad, having travel insurance can help in several ways.

Planning a ski holiday: what you need to know

Compare and check the difference in the cost of the lift passes to give you an idea of the costs of the resort so you can be sure to get the most for the budget you have available.

Reasons to have travel insurance

Travel insurance is the first thing you should buy for your trip overseas to give you peace of mind, should you incur unexpected medical costs and travel-related emergencies during your trip.

Single trip travel insurance

Travel insurance policies do cover your whole trip for the exact number of days you are travelling, yet the cover cancellation cover benefit  starts immediately after purchase.

Ski Travel Insurance

Nothing like the thrill of skiing and the cold fresh air while bolting down the mountain! A ski holiday offers you all the adrenaline you would need, but you need the right cover to enjoy the speed with peace of mind.

Solo travel - a must for everyone at least once

A solo adventure is something recommended for everyone at least once! But travelling alone can be lonely and scary and challenging even with all the positive press regarding travelling solo.

Stay covered with an annual travel insurance policy

Use Insurance Comparison to compare a wide range of travel insurance policies so you are sure to find the right cover for your travel needs.

Terrorism Cover when travelling

If your holiday destination city is affected by an act of terror and you can’t travel there due to airports or areas being closed travel insurance this would more than likely not be covered by standard travel

The importance of travel insurance

Travel insurance gives you the benefit to travel with peace of mind knowing that you are likely covered and won’t have crippling expenses if something does go wrong during your trip.

Travel insurance and pregnancy - what you need to know

It's important if you are pregnant to understand what you are covered for during your trip so you are not caught off guard while travelling.

Travel insurance: business and pleasure

We have compiled some points to keep in mind when you are planning on extending your business trip with some sightseeing and leisure activities.

Travel insurance for cancer patients

We do recommend that you compare insurance policies as some insurers would offer you comprehensive cover for your pre-existing condition.

What does cancellation cover actually cover?

The short answer is that travel insurance covers you in the case you're that your trip got cancelled before you depart.

What if you were to get mugged when travelling?

If you got injured during the mugging or robbery you would most likely be covered for the under your medical benefit of the travel insurance policy.

What to do if your credit card is lost or stolen on holiday

If you lost or someone has stolen your wallet and you have no other way to get cash, most MasterCard and Visa cards offer cardless cash withdrawals through your banking app.

What to pack in your carry-on luggage?

Always be sure to put all your valuables in your carry-on so you can keep track of it, remember to check the weight and size of your carry-on.

Why emergency repatriation cover is so important?

This is a type of insurance that gives coverage to travellers returning to their home country for emergency treatment or in the case of death.

Why take out travel insurance for your upcoming cruise?

Buying travel insurance can save you a lot of stress and out of pocket expenses while on a cruise – we all know that things don’t always go as planned.

Why you need travel insurance

Cover for your luggage and valuables in the case that it gets lost, stolen or damaged during your trip.

Why you should always declare your pre-existing medical conditions

Pre-existing diseases are illnesses that you have already been diagnosed for and you are aware of this illness before buying a travel insurance policy.

Why you should buy winter sports travel insurance when going skiing

It’s important to note that in most cases you would need to buy a policy extension covering wintersports to ensure you are covered while skiing.

Why you should consider baggage cover

Baggage cover is cover that can reimburse you should your baggage gets lost, stolen, damaged or even delayed.

Worldwide Travel Insurance

Worldwide travel insurance will cover you for almost every country in the world, whether it’s single-trip insurance or multi-trip insurance.

Your travel insurance checklist

Travelling to a foreign country is a thrilling adventure – but you must always ensure you are prepared for the unexpected and covered with a suitable travel insurance policy.

COMMENTS

  1. Annual & Multi-trip Travel Insurance

    Multi-trip travel insurance for Europe. from £11.05[1] Multi-trip travel insurance worldwide. from £29.80[1] [1] Based on Compare the Market data for an annual multi trip travel insurance policy for a 20 year old with no pre-existing medical conditions travelling in Europe/Worldwide. Prices correct as of December 2023.

  2. Travel Insurance for Europe: 4 Best Options for 2024

    The OneTrip Prime plan from Allianz comes with: $100,000 per traveler in coverage for trip cancellation. $150,000 per traveler in coverage for trip interruptions. $500 in coverage for eligible ...

  3. The 5 Best Annual Travel Insurance Plans

    This annual travel insurance plan covers all trips that last up to 90 days within a coverage year, and it comes with coverage for COVID-19. Benefits travelers receive each year with the plan include:

  4. The Best Annual Travel Insurance Of 2024

    The cost of a multi-trip policy will primarily depend on the coverage levels included and your age. Travelers. Average annual travel insurance cost. Two travelers age 30. $554. One traveler age 40 ...

  5. 4 Best Annual Travel Insurance Options in 2024

    Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...

  6. Compare Travel Insurance for Europe

    An annual multi-trip policy to Europe could cost as little as £12[2]. Or, if you're planning regular trips further afield, you can get worldwide cover for countries outside of Europe. [2] Based on Compare the Market data for an annual multi trip travel insurance policy for a 20 year old with no pre-existing medical conditions travelling in ...

  7. Travel Insurance for Europe

    A Global Health Insurance Card (GHIC) gets you free or reduced cost healthcare in the European Union (EU). It's replacing the European Health Insurance Card (EHIC), but your current EHIC remains valid until the expiry date on the card. A GHIC/EHIC card isn't a replacement for travel insurance, though. It won't cover any private healthcare ...

  8. Compare Europe Travel Insurance Quotes

    You might pay more for travel insurance if you have a pre-existing health condition. This is because there is a higher risk of you making a claim. 2 Based on quotes from £4.75 for an individual aged 30 taking single trip cover for 3 days to France. Equivalent to £1.58 per day.

  9. Travel Insurance For Europe

    Compare Travel Insurance Quotes. Compare from our range of over 100 policies. Get A Quote. Frequently Asked Questions (FAQs) ... If you buy annual multi-trip travel insurance for Europe only, but ...

  10. Annual Multi Trip Travel Insurance

    Pre-existing conditions: Unless it's a policy with medical cover, most travel insurance won't cover treatment abroad for pre-existing conditions. Trip duration: While you can make as many trips as you like within 12 months, an annual policy will not cover trips that span over 31 days. Drugs and alcohol: Any incidents relating to drugs or alcohol are unlikely to be covered, including claims for ...

  11. Compare Annual Multi-Trip Travel Insurance

    Annual or 'multi-trip' travel insurance is designed for those who plan to take more than two holidays or business trips a year in Europe. It provides cover for multiple trips to multiple ...

  12. The best travel insurance policies and providers

    For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.

  13. The 11 Best Annual Travel Insurance Policies in 2023

    Costs will vary by your home state, age, and number of people included in the policy. Here are the "starting at" costs for our best annual travel insurance policies, sorted from lowest to highest: Policy Name. Starting Price. Allianz Travel AllTrips Basic Plan. $138.

  14. 6 Best Travel Insurance to Europe [2024] ⚠️ 15% Discount

    When travelling for an extended period of time, travel insurance is a must. Family travel insurance to Europe will allow you to travel with the comfort of knowing that you and your loved ones are covered in case you need to make a claim. Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 29/02/2024).

  15. Compare travel insurance for Europe

    So, travel insurance is normally cheaper than it would be if you were travelling to somewhere like the USA. You could get a single-trip policy for Europe from £6.99*, or a multi-trip policy from £11.85 1. If you have a pre-existing medical condition, you could get European travel insuraance from £8.36 2. A family travel policy could cost £ ...

  16. Compare Annual Multi-Trip Travel Insurance Quotes

    Compare quotes, cover levels and prices for annual travel insurance. Opt for policies with lower cover levels, but you need to ensure you're adequately covered as it could be a false economy if you need to make a claim and end up out of pocket. For example, if you paid £3,000 for your holiday, choosing a policy that pays out just £2,000 in ...

  17. Best Europe travel insurance for Schengen visa of 2024

    2. World Nomads, a cheap insurance for European travel. Another cheap Schengen travel insurance is World Nomads. Their Standard plan is affordably priced and meets the Schengen visa insurance requirements of repatriation coverage and more than €30,000 worth of emergency medical coverage.

  18. Best Travel Insurance of March 2024

    Travelex Travel Insurance: Best for Road Trips; Compare the Top Travel Insurance Offers. ... Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available;

  19. Compare Cheap Travel Insurance from £2.25

    When comparing travel insurance with Compare the Market, you could get cheap travel insurance for a week away from £5.49 [1]. However, it depends on the level of cover you choose, how long you're away and where you're travelling to. The best value travel insurance isn't necessarily the cheapest or the most expensive - what matters is ...

  20. Annual Travel Insurance

    What is annual travel insurance? Annual policies cover you for every holiday you make over the course of a year. They can even cover you for UK trips. An annual travel insurance policy will generally cover you for all the trips you take within a year - but be aware that some policies have a limit on the number of trips.

  21. Travel Insurance For Trips To Europe

    Reimbursement is usually 50% or 75% of trip costs. To use this coverage you must cancel your trip at least 48 hours in advance. You can't wake up and cancel the trip the day you're scheduled ...

  22. Cheap travel insurance

    Annual European travel cover isn't just for Europe. ... Compare Your Cruise Insurance, Confused.com, Coverwise, MoneySupermarket, Staysure. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and ...

  23. Compare Travel Insurance Quotes

    We compare Travel Insurance quotes from the leading brands, helping you to find the most suitable travel insurance product for your upcoming trip. Step 1 - Enter your details. Step 2 - Compare quotes from leading providers. Step 3- Choose and book. Step 4 - Relax and enjoy your holiday :)

  24. Travel insurance for Europe

    That said, travel insurance can cover: Medical costs. Only 10 European countries (plus New Zealand) have an RHCA with Australia. 1 So, if you don't have travel insurance and need medical treatment in a non-RHCA country, you may have to pay for the whole medical bill from your own wallet. However, travel insurance may cover these costs.