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Makesure Travel Insurance Reviews: Coverage & Claim Insights

Traveling is an adventure that opens the door to new experiences, cultures, and memories. However, it also comes with its fair share of uncertainties. From lost luggage to unexpected medical emergencies, the unexpected can quickly turn a dream vacation into a stressful ordeal. This is where travel insurance comes into play, offering a safety net for travelers. Among the myriad of options available, Makesure Travel Insurance has emerged as a popular choice for many. In this comprehensive guide, we delve into Makesure Travel Insurance reviews, helping you make an informed decision for your next journey. Additionally, we’ll navigate through common problems with travel insurance claims and how Contend, your AI legal expert, can provide unparalleled support in resolving these issues.

Understanding Makesure Travel Insurance

Travel insurance is an essential tool for any traveler, providing financial protection against the unforeseen. Makesure Travel Insurance offers a range of policies tailored to meet the diverse needs of travelers. Before diving into reviews, let’s explore what Makesure offers and why it’s crucial to have travel insurance in place.

The Importance of Travel Insurance

Travel insurance policies cover various aspects, including medical expenses, trip cancellations, lost or stolen luggage, and more. The right policy acts as a buffer against potential financial losses, ensuring peace of mind throughout your travels.

What Makesure Offers

Makesure Travel Insurance stands out for its comprehensive coverage options, catering to different types of travelers and trips. From single-trip policies for casual vacationers to annual plans for frequent flyers, Makesure aims to provide customizable solutions for every travel need.

You can find the BIBA’s ‘Find a Broker’ service by phoning their helpline on 0870 950 1790 or by going to their website at BIBA .

For help with questions related to your issue, you can chat with one of Contend’s legal experts , and get immediate answers to your legal questions.

Diving into Makesure Travel Insurance Reviews

When considering travel insurance, reviews play a pivotal role in the decision-making process. They offer insights into customer experiences, policy effectiveness, and the company’s customer service quality. Here’s what to look for in Makesure Travel Insurance reviews:

Coverage Satisfaction

Reviewers often highlight their satisfaction or dissatisfaction with the coverage provided. Look for comments regarding how well Makesure’s policies covered the claims made, including medical expenses, trip interruptions, and luggage issues.

Customer Service Experience

The responsiveness and helpfulness of Makesure’s customer service team are crucial, especially when dealing with the stress of unexpected travel issues. Reviews can shed light on the company’s support quality and efficiency in handling claims.

Ease of Claim Process

The claim process is a significant aspect of travel insurance. Reviews that discuss the simplicity or complexity of filing a claim with Makesure can be incredibly telling. A smooth, straightforward claims process is a strong indicator of a reliable insurance provider.

If you don’t have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free. You should still get travel insurance before your trip – even if you have an EHIC or GHIC. Learn more about it here .

Consumer: makesure travel insurance reviews

Problems with Your Travel Insurance Claim

Despite the best efforts, problems can arise when filing a travel insurance claim. Common issues include denied claims, delays in processing, and disputes over coverage. Understanding these challenges is the first step toward resolving them.

How Contend Can Help

In situations where you’re facing difficulties with your travel insurance claim, Contend’s AI legal experts can provide invaluable assistance. Our platform is designed to offer legal guidance and support, helping you navigate the complexities of insurance claims. Whether it’s understanding your policy’s fine print or disputing a denied claim, Contend’s AI-powered service is here to simplify the process.

You can go to the Financial Ombudsman if your complaint is about your insurance policy. If your complaint is about the way the way you were sold the policy, this may be against the law. Find more information at Financial Ombudsman .

Conclusion: Making the Right Choice

Choosing the right travel insurance is a crucial step in planning your trip. Makesure Travel Insurance reviews offer a wealth of information to guide your decision. By considering coverage satisfaction, customer service experiences, and the ease of the claim process, you can select a policy that best suits your needs.

Remember, should you encounter any problems with your travel insurance claim, Contend is here to provide expert legal guidance. Our revolutionary AI technology is designed to demystify legal processes, offering clear, actionable advice in minutes. Trust Contend to be your ally in resolving travel insurance disputes, ensuring your focus remains on the joy of travel.

Take Action with Contend

Before you embark on your next adventure, consider chatting with Contend’s AI legal assistant. Our platform is built by lawyers and legal experts, offering trusted help you can rely on. With Contend, you’re not just purchasing peace of mind for your travels; you’re gaining a partner ready to support you through any legal challenges that arise. Start your journey with confidence—chat now with Contend’s legal expert and make travel insurance complications a thing of the past.

You can click here to chat with one of Contend’s legal experts today.

For more info, check out some of our related articles:

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  • Non-UK Resident Travel Insurance: Essential Coverage Tips
  • AA Holiday Insurance Reviews: UK Travellers’ Guide for Peace of Mind
  • How to File a Coverwise Travel Insurance Claim: A Guide

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Makesure Travel Insurance Review

Mr. Travel

Everything you need to know before you buy travel insurance from Makesure!

The experts say:

What makesure customers are saying right now:.

  • ️✅ Quick and easy application for quotes
  • ️✅ Relatively simple process for complex medical problems
  • ️✅ Nice and helpful customer service
  • ️✅ Secure payment over the phone
  • ️✅ Good price and exceptional cover
  • 😕 Long waiting times on the customer support line
  • 😠 Unclear policies
  • 😔 Difficulty entering multiple medical conditions

Makesure customer reviews summary

Makesure travel insurance offers a simple, straightforward way to get insured for your next holiday! With flexible policies, easy application and understanding of customers with medical conditions, Makesure ticks all the boxes. And if you need to make a claim, their customer service team is on hand to sort out any queries efficiently. All in all, Makesure provides peace of mind for customers looking for reliable travel insurance – 9/10!

Frequently asked questions about Makesure Travel Insurance

Who underwrites make sure travel insurance.

Makesure travel insurance is underwritten by a company called Arrow Underwriting Services Limited, who act as agents for well-known insurer Ageas.

What is Makesure insurance's contact number?

Makesures's UK-based contact centre can be reached on 0203 873 6718 . Lines are open 9am - 5:30pm Monday to Friday, and from 9am to 5pm on Saturdays.

Deep-dive into Makesure Travel Insurance policy features

Makesure Travel Insurance offers a comprehensive Single-Trip policy that provides peace of mind, along with optional add-ons for cruise and winter sports enthusiasts. Let's dive into the details and see how Makesure can help you make the most of your travel experiences!

Makesure's Single-Trip Travel Insurance

Cancelling Before Travel Cover Limit : With up to £5,000 in coverage, Makesure ensures you're protected in case your trip needs to be canceled before you even set foot on your journey. Whether it's due to unforeseen circumstances or changing plans, you can rest easy knowing your investment is safeguarded.

Medical Excess on medical claims : £150

Personal Possessions and Baggage Cover Limit : Losing or damaging personal belongings can be a nightmare while traveling. Thankfully, Makesure offers £2,000 coverage for damaged, lost, or stolen possessions, ensuring you can quickly replace your essential items.

Cutting Trip Short Cover Limit : Packed with up to £5,000 in coverage, Makesure's policy provides assistance if you need to cut your trip short due to unexpected circumstances. Say goodbye to stress and hello to flexibility with Makesure by your side.

Missed Departure Cover Limit : If you miss your flight, Makesure's policy offers up to £1,000 for alternative travel arrangements. Rest assured knowing that you won't be stranded and can quickly resume your travel plans.

Abandoning Your Trip Cover Limit : A long delay can disrupt your travel plans significantly. Makesure understands this and provides up to £5,000 to cover getting you home if you've had to abandon your trip due to delays. It's your safety net when things don't go according to plan.

Emergency Medical Cover and Repatriation Cover Limit : Makesure goes above and beyond to ensure your well-being with an impressive £10,000,000 coverage for any necessary medical treatment and the cost of getting you home in the unfortunate event of an injury or illness.

Personal Money : With £200 coverage, Makesure ensures that you won't be left stranded without cash if your personal money is lost or stolen. Enjoy your trip with peace of mind, knowing that you have financial support when you need it.

Combined Passport & Travel Cover Limit : Losing your passport can be a nightmare, but with Makesure's coverage of £200, you can recover the associated costs. Keep your travel dreams alive and explore the world worry-free.

Optional Add-Ons to Makesure Travel Insurance

Cruise cover.

Makesure offers an optional cruise cover add-on, providing additional protection for your seafaring adventures. The coverage includes:

  • Missed Port Departure : £1,000 cover ensures you can reach your next scheduled port if you miss the initial departure.
  • Missed Port Departure Excess : There's no excess charge for missed port departures, providing seamless assistance when you need it.
  • Re-joining a Cruise : If you're left behind, Makesure offers up to £1,000 cover to help you rejoin the cruise at the next port.
  • Cabin Confinement : Should you be confined to your cabin for medical reasons during your cruise, Makesure covers you up to £1,500.
  • Timetable/Itinerary Change : £150 cover ensures you're financially protected if there are changes to the port schedule or cancellations.
  • Unused Excursions : Makesure offers an impressive £10,000 cover for prepaid excursions on your cruise, ensuring you aren't left out of pocket if you miss out on the experiences you were looking forward to.

Winter Sports Cover

For those seeking snowy adventures, Makesure offers a winter sports add-on. The optional coverage includes:

  • Ski Equipment you own : Protect your own ski equipment with up to £500 coverage against loss, damage, or theft (an £80 excess applies).
  • Ski Equipment you hire : Makesure offers up to £500.00 coverage for lost, damaged, or stolen hired ski equipment.
  • Single Item Cover : Get peace of mind with £500 cover for the replacement of a single item that is lost, damaged, or stolen.
  • Cover Limit for Hire of Ski Equipment : Should your equipment be delayed, damaged, or lost, Makesure provides up to £50o for hiring ski equipment.
  • Avalanche Closure Cover : Experience a worry-free winter getaway with £500 cover for additional transport and accommodation in case of an avalanche.
  • Piste Closure Cover : Enjoy peace of mind knowing you're covered with £500 if piste closure prevents you from skiing.
  • Unused Ski Pass Due to Illness or Injury : £500

Please note that the cover limits mentioned are subject to change. Always refer to the latest policy terms and conditions provided by Makesure before making any purchasing decisions.

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Reviewed: 100+ UK travel insurance providers

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  • Our ratings

Makesure travel insurance

reviews on makesure travel insurance

Makesure travel insurance specialises in offering cover for travellers with pre-existing medical conditions or those over 65.

Makesure travel insurance offers cover for any age traveller up to 99 years old.

Based in London, its travel insurance is underwritten by Ageas.

Makesure is a Private limited Company and was launched in 2004.

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Our product ratings for Makesure travel insurance

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

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reviews on makesure travel insurance

Makesure Insurance Services Limited   Reviews

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Reviews 4.7.

2,011 total

Most relevant

Problem experienced with link from…

Problem experienced with link from email on renewal I then called and talked with a very helpful lady. However she couldn’t complete the renewal as the system didn’t have the options and had to be referred to head office. Eventually completed 2 days later

Date of experience : September 03, 2023

Reply from Makesure Insurance Services Limited

Thank you for taking the time to provide us with your feedback, it is very much appreciated

Your Search for Travel Insurance Is Over

great first time search for cheaper world annual travel insurance with known issues very easy process all done i n 5 minutes

Date of experience : August 31, 2023

Thank you for taking the time to provide us with your feedback, it is very much appreciated.

Wasn’t sure which destination area to…

Wasn’t sure which destination area to choose but when I phoned to ask my call was answered quite quickly, the lady was very polite and helpful.

Date of experience : September 17, 2023

I was pleased that my medical history…

I was pleased that my medical history was accepted as a low risk, I have travelled a lot and have never needed any medical assistance yet other companies load up their premiums to make it very expensive for me. Thanks to Makesure I can carry on with my touring the world, and I will recommend them to all my friends.

Date of experience : August 28, 2023

Good service like old times

What a change to have your phone call answered and not have to wait ages for a response also your employees are very courteous. Shock at the price gone up pity you dont have ano claim bonus. I have never claimed on holiday isurance in the whole of my life i am 84 years old. Hope my luck will stay the same. Thank you staff

Date of experience : September 20, 2023

Easy does it holiday insurance.

Easy to fill in my medication and choose off the list why I take each one. So making my application for holiday insurance easy. The quote was acceptable.

Too early to review

Would like to give a good review but asking how well a service company is doing when I have not yet used the service is a bit pointless. So far this company offered the best deal for single trip insurance although still very expensive

Huge price increase

I was rather shocked that my insurance policy had increased by over £100 from last year, despite my medical conditions not having changed in the last year! Nor had I made a claim.

Date of experience : November 12, 2023

TRAVEL INSURANCE

Applied online, very easy process with no hitches. Very competitive rates and very straightforward. Would recommend looking at this company and will definitely be using again if rates remain consistent.

Date of experience : August 15, 2023

Booking travel insuranceclearly as I…

They explained everything clearly as I have medical issues. Always very polite, and patient. Would certainly use them again.

Date of experience : September 27, 2023

It was reasonably easy to navigate

It was reasonably easy to navigate Especially for an old person like me I hope I don’t have to make a claim. Because that will probably be a hassle.

Date of experience : September 15, 2023

Well I was happy with the questions and…

Well I was happy with the questions asked and the cover was competitively priced. I cannot say anything more as insurance is just that. You hope it would be reliable in the event of an emergency.

Date of experience : October 22, 2023

All quite easy

All quite easy. Did wonder why we automatically get winter sports cover? I didn’t select it and certainly don’t need it!

Date of experience : September 14, 2023

Thank you for taking the time to provide us with your feedback, it is very much appreciated. Some winter sports cover is generally included with Annual policies as being an annual policy it includes the winter season and therefore it provides cover for those wishing to partake in winter sports trips.

easy application

renewed again with make sure, easy application and covered our health issues.

Date of experience : December 20, 2023

The second year of annual travel…

The second year of annual travel insurance and a very good level of cover for a very reasonable price.

Date of experience : December 04, 2023

A simple enquiry form for a quotation

A simple enquiry form for a quotation, and an excellent quote. So far so good but one of the easiest forms to complete

Took several days to get through

Took several days to get through Once get through dealt with very quickly and sensitively Email confirmation came through almost immediately

Date of experience : November 21, 2023

I had requested when I renewed my…

I had requested when I renewed my insurance that the documents be sent to me by mail as I don’t have a printer. I was promised they would be sent, but I never got them. Two weeks laterI phones them up to ask why they were not sent. I was told by a very rude lady that they were sent on my email. I explained that I cannot read the small print on my phone email and hence had requested paper copy. Ahe said ok they will post it. That was over a week ago and am still waiting. Very disappointed

Date of experience : September 01, 2023

Thank you for taking the time to provide us with your feedback, it is very much appreciated. I'm sorry to hear that you haven't received the requested postal documents. Delivery can take up to 10 days, however, I will check to ensure they have been sent.

Excellent Value

I have an array of medical conditions and Makesure was almost half the price of every other travel insurance company. I was initially sceptical but after calling the customer service number I was immediately reassured due to the excellent service I received. I haven’t made a claim, and hopefully never will, so I can’t comment on how a claim is handled, however, I can say that the cost of travel insurance for those with pre existing conditions is currently the best on the market.

Date of experience : August 17, 2023

Good Insurance

Good insurance company and good pricing and coverage but a bit of a pain when renewing as details are not held and you have to start a new quote from scratch.

Suggested companies

Staysure travel insurance, goodtogoinsurance.com, allclear travel insurance.

reviews on makesure travel insurance

Makesure Insurance Services Limited   Reviews

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Reviews 4.7.

2,011 total

Most recent

Good value holiday insurance

Good value holiday insurance, straightforward application process and when we unfortunately had to make a claim a prompt settlement. Now on our third year with them.

Date of experience : August 22, 2018

Reply from Makesure Insurance Services Limited

Thank you for taking the time to provide us with your feedback, it is very much appreciated.

Quick response

Quick response, patient staff and above all competitive pricing!

Date of experience : August 21, 2018

Happy customer👍😃

Lovely lady on the phone talked me through all the medical questions not pushy so I signed up for another year happy customer 👍😃

Date of experience : August 18, 2018

Travel Insurance

Service very good however had difficulty initially as waited 5mins on phone before being asked to leave a message for a call back which did not happen.I phoned following day and my query was answered and dealt with efficiently.

Thank you for taking the time to provide us with your feedback, it is very much appreciated. We are sorry that you experienced difficulty getting through on the telephone.

Very efficent

Date of experience : August 17, 2018

Clearly explained policy.

Date of experience : August 16, 2018

Very simple to purchase and reasonable…quick and reasonable cost

Very simple to purchase and reasonable premium

Date of experience : August 15, 2018

Good cover at a reasonable price.

Service as it should be.

Service as it should be, polite and to the point.

great value for money

This policy is great value with what it offers for an annual policy

Date of experience : August 14, 2018

Clear website and documents

Very pleased with my cost.

Very pleased with my cost. Easy to use and quick to complete.

Date of experience : August 13, 2018

3 star cover

3 star cover for over 60's

Very pleased with service.

Very pleased with service.Quick and easy process and result,even with the complication of medical screening.Paperwork then received immediately

Date of experience : August 12, 2018

Excellent! Very easy to complete.

Excellent, quick quote qnd excellent service

Most helpful and courteous.

Date of experience : August 11, 2018

Value fo money

Value fo money, easy to apply and understand

Very pleased with the way we have been…

Very pleased with the way we have been dealt with.

The officers were really helpful

The officers were really helpful. I would recommend

Date of experience : August 10, 2018

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MakeSure : Travel Insurance reviews

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About the travel insurance.

Looking for travel insurance for your next trip away? Read our MakeSure reviews to get a feel for what this company is really like. Our reviews are written previous customers and present policyholders, so they can give you the heads-up on what life is like as a MakeSure customer. Already had a policy with MakeSure ? Write a review yourself and help others who are looking for guidance on their next trip!

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reviews on makesure travel insurance

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

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Table of Contents

  • Travelex Insurance Services
  • Allianz Travel Insurance

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

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Trip Interruptions
  • HTH Travel Insurance: Best for Groups
  • Tin Leg: Best Cost
  • AIG Travel Guard: Best for Families
  • Nationwide Insurance: Best for Last-Minute Travel Insurance
  • Seven Corners: Best for 24/7 Support When Traveling
  • Generali Global Assistance: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best for Specialized Coverage

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

Generous coverage at the mid- and high-tier levels, and great group discounts

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

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

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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reviews on makesure travel insurance

Makesure Insurance Services Limited   Reviews

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Reviews 4.7.

2,011 total

Most recent

Excellent service really competitive…

Excellent service really competitive prices

Date of experience : 03 June 2022

Reply from Makesure Insurance Services Limited

Thank you for taking the time to provide us with your feedback, it is very much appreciated.

Easy to fill your forms

Easy to fill your forms, although I hope not to use your insurance.Thanks again and the cheapest I have found.

Excellent service very competitive…

Excellent service very competitive price. Thank you.

Easy to understand

Easy to understand. Easy to set up good price. Not using till August for our holiday.

Date of experience : 02 June 2022

Very good price

Very good price, cover suited our needs, had to phone up afterwards to make a correction and the person I spoke to on the phone was very helpful and quickly sorted my issue out

Very efficient

Very helpful, problems with websites….

Very helpful problems with websites sorted over the phone.

Charged incorrectly

Charged incorrectly, website wasn’t working. Called next day and paid extra to get it all sorted. Waiting on phone for about 20minutes and phone handler wasn’t very understanding of the problems I had and seemed, she was quite abrupt in reply.

Date of experience : 01 June 2022

Thank you for your feedback, we are sorry to hear that when purchasing your insurance part of the cover requested was not included, resulting in the requirement to pay extra for this cover. Providing good customer service is very important to us and your comments are noted.

No problems

No problems - all very straightforward - easy to apply and paperwork and policy sent through electronically almost immediately. Hope I don’t have to use it but if I do let’s hope it will be easy to claim and just as straightforward

Brilliant thanks

Good price. Cover meets our needs. Asked for hard copy to be posted but not sure whether that was accepted, so fingers crossed, waiting on post.

Purchasing the insurance was very easy…

Purchasing the insurance was very easy and good value but of course the test would be if I have to make a claim?

The best price for our travel insurance…

The best price for our travel insurance snd a good level of cover

Date of experience : 31 May 2022

Cannot fault the service I got very…

Cannot fault the service I got very helpfull and the price was great for what I needed

Found the website very easy to use and the information comprehensive

Found the website very easy to use and the information comprehensive. Now have my insurance so let’s hope it lives up to service received so far.

Phone problems

After trying to arrange travel ins online I found after putting in bank details and payment I was totally blocked and could go no further. I was very anxious as it could be a scam I tried all day to phone without success,when finally answered was told to leave phone number which I did. Happily iwas called later in the evening and the whole transaction completed there and then. Very reasonable price in view of my age 88.

Good quick and easy service

Good quick and easy service. The price was good too.

Date of experience : 25 May 2022

Overall experience great

Incorrect details.

One star given as still waiting for a response to 2 emails as incorrect details were on insurance documents and amended paperwork still awaited .

Date of experience : 20 May 2022

Thank you for taking the time to provide us with your feedback. I'm sorry to hear that there was a delay in responding to you, this was due to staff shortages. I trust that the issue has now been resolved to your satisfaction.

Did Not Return My Calls

I got a quote for insurance, paid it and then realised I had forgotten to add on one of my husband’s medical conditions. I phoned their number and after approximately 10 minutes was told that there were no operatives available and they would call me later. Three hours later, no call so I rang again. After a 15 minute wait I was told the same thing. I explained I had been waiting three hours and needed to add something on and the lady said she would mark it as urgent. Two days later (and no return call) I rang again and eventually gave up after waiting nearly half an hour with no one answering. If I could give them no stars I would.

Date of experience : 19 May 2022

Thank you for taking the time to provide us with your feedback. I'm sorry to hear that there was a delay in returning your call, the delay occurred due to staff shortages which are now being resolved. I trust that all has now been sorted to your satisfaction.

Makesure Travel Insurance Review

Marvin's low-down on Travel Insurance from Makesure

Marvin

The experts say:

What makesure customers are saying right now:.

  • ✅ Outstanding price quote in comparison to other competitors
  • 🤩 Better cover for less
  • 😁 Easy site to complete
  • 💰 Great value for what we need and cheaper than online quote
  • 👍 No excess on cover
  • 🤨 The price increased from January.
  • 🤯 Difficult to navigate the website.
  • 😔 No excess for the cover offered.

Makesure customer reviews summary

Makesure has been providing customers with great value travel insurance for over 70's, with a straight forward process that is easy to navigate online. The prices are unbeatable, the cover is excellent and there is no excess - what more could you want? The customer service team are professional and helpful and provide support when needed. All in all, Makesure is an all-round great provider of travel insurance and deserves a score of 10/10!

Frequently asked questions about Makesure Travel Insurance

Who underwrites make sure travel insurance.

Makesure travel insurance is underwritten by a company called Arrow Underwriting Services Limited, who act as agents for well-known insurer Ageas.

What is Makesure insurance's contact number?

Makesures's UK-based contact centre can be reached on 0203 873 6718 . Lines are open 9am - 5:30pm Monday to Friday, and from 9am to 5pm on Saturdays.

Deep-dive into Makesure Travel Insurance policy features

Makesure Travel Insurance offers a comprehensive Single-Trip policy that provides peace of mind, along with optional add-ons for cruise and winter sports enthusiasts. Let's dive into the details and see how Makesure can help you make the most of your travel experiences!

Makesure's Single-Trip Travel Insurance

Cancelling Before Travel Cover Limit : With up to £5,000 in coverage, Makesure ensures you're protected in case your trip needs to be canceled before you even set foot on your journey. Whether it's due to unforeseen circumstances or changing plans, you can rest easy knowing your investment is safeguarded.

Medical Excess on medical claims : £150.00

Personal Possessions and Baggage Cover Limit : Losing or damaging personal belongings can be a nightmare while traveling. Thankfully, Makesure offers £2,000 coverage for damaged, lost, or stolen possessions, ensuring you can quickly replace your essential items.

Cutting Trip Short Cover Limit : Packed with up to £5,000 in coverage, Makesure's policy provides assistance if you need to cut your trip short due to unexpected circumstances. Say goodbye to stress and hello to flexibility with Makesure by your side.

Missed Departure Cover Limit : If you miss your flight, Makesure's policy offers up to £1,000 for alternative travel arrangements. Rest assured knowing that you won't be stranded and can quickly resume your travel plans.

Abandoning Your Trip Cover Limit : A long delay can disrupt your travel plans significantly. Makesure understands this and provides up to £5,000 to cover getting you home if you've had to abandon your trip due to delays. It's your safety net when things don't go according to plan.

Emergency Medical Cover and Repatriation Cover Limit : Makesure goes above and beyond to ensure your well-being with an impressive £10,000,000 coverage for any necessary medical treatment and the cost of getting you home in the unfortunate event of an injury or illness.

Personal Money : With £200 coverage, Makesure ensures that you won't be left stranded without cash if your personal money is lost or stolen. Enjoy your trip with peace of mind, knowing that you have financial support when you need it.

Combined Passport & Travel Cover Limit : Losing your passport can be a nightmare, but with Makesure's coverage of £200, you can recover the associated costs. Keep your travel dreams alive and explore the world worry-free.

Optional Add-Ons to Makesure Travel Insurance

Cruise cover.

Makesure offers an optional cruise cover add-on, providing additional protection for your seafaring adventures. The coverage includes:

  • Missed Port Departure : £1,000 cover ensures you can reach your next scheduled port if you miss the initial departure.
  • Missed Port Departure Excess : There's no excess charge for missed port departures, providing seamless assistance when you need it.
  • Re-joining a Cruise : If you're left behind, Makesure offers up to £1,000 cover to help you rejoin the cruise at the next port.
  • Cabin Confinement : Should you be confined to your cabin for medical reasons during your cruise, Makesure covers you up to £1,500.
  • Timetable/Itinerary Change : £150 cover ensures you're financially protected if there are changes to the port schedule or cancellations.
  • Unused Excursions : Makesure offers an impressive £10,000 cover for prepaid excursions on your cruise, ensuring you aren't left out of pocket if you miss out on the experiences you were looking forward to.

Winter Sports Cover

For those seeking snowy adventures, Makesure offers a winter sports add-on. The optional coverage includes:

  • Ski Equipment you own : Protect your own ski equipment with up to £500 coverage against loss, damage, or theft (an £80 excess applies).
  • Ski Equipment you hire : Makesure offers up to £500.00 coverage for lost, damaged, or stolen hired ski equipment.
  • Single Item Cover : Get peace of mind with £500 cover for the replacement of a single item that is lost, damaged, or stolen.
  • Cover Limit for Hire of Ski Equipment : Should your equipment be delayed, damaged, or lost, Makesure provides up to £50o for hiring ski equipment.
  • Avalanche Closure Cover : Experience a worry-free winter getaway with £500 cover for additional transport and accommodation in case of an avalanche.
  • Piste Closure Cover : Enjoy peace of mind knowing you're covered with £500 if piste closure prevents you from skiing.
  • Unused Ski Pass Due to Illness or Injury : £500

Please note that the cover limits mentioned are subject to change. Always refer to the latest policy terms and conditions provided by Makesure before making any purchasing decisions.

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The Best Travel Insurance Companies of 2021

Best overall travel insurance, best for solo travelers.

John Hancock

Best for Tailored Plans

Allianz Global Assistance

Best for Premier Travel Insurance Plans

AXA Travel Insurance

Best for Adventure Sports Coverage

World Nomads

Best Travel Insurance for Groups

APRIL International

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Reviews Report

  • Reviews.com rates IMG as the best travel insurance company, earning a 4.75 out of 5.
  • The best travel insurance companies have broad areas and limits of coverage and excellent service for the insured.
  • Medical coverage and trip cancellation/interruption are must-haves when choosing the best travel insurance company.

Travel insurance is an often overlooked way to protect the investment in your vacation or trip abroad. It covers incidents such as canceling trips, medical evacuation, lost or delayed baggage, and more. However, picking the best travel insurance policy isn’t always easy — especially when COVID-19 has slowed travel and canceled trips outright.

In making our selections for the best travel insurance companies of 2021 we analyzed each company’s travel insurance offerings using a number of criteria like medical coverage limits, available add-on coverage options, and the number of plans to choose from.

The 6 Best Travel Insurance Companies of 2021

  • IMG : Best Overall Travel Insurance
  • John Hancock : Best Insurance for Travel Cost Reimbursement
  • Allianz Global : Best Travel Insurance for Tailored Plans
  • AXA : Best for Premier Travel Insurance Plans
  • World Nomads Travel Insurance : Best Travel Insurance for Adventure Sports
  • APRIL International : Best Travel Insurance for Group Travel

Compare the Best Travel Insurance Companies

Information accurate as of April 2021

Why we chose it

  • 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
  • NR AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
  • $100K–$500K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
  • 180 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
  • Plans specifically for seniors available
  • Additional add-on coverage available
  • High medical coverage
  • Number of plans is limited
  • Lengthy wait to initiate claim for lost luggage
  • Trip cancellation: $50K
  • Trip interruption: 150% cost of trip
  • Medical coverage: $500K
  • Medical evacuation: $1M
  • Sports/recreation: $500K
  • Travel delay: $500 (Max $125/day)
  • iTravelInsured Travel Lite
  • iTravelInsured SE
  • iTravelInsured LX
  • Senior plan
  • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
  • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
  • $50K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
  • 90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
  • Multiple plans
  • 24/7 emergency travel assistance
  • Up to $1K missed connection coverage
  • Lower medical emergency coverage than competitors
  • Few add-on coverage
  • No free child traveler coverage
  • Trip cancellation: Up to 100% of trip cost
  • Trip interruption: Up to 150% of trip cost
  • Emergency medical: Up to $250K
  • Medical evacuation: Up to $1M
  • Baggage delay: $500
  • Lost baggage: $2,500
  • Bronze: Basic plan with lower coverage limits than other two
  • Silver: Intermediate plan with more value than Bronze 
  • Gold: Premier plan with best coverage 

More John Hancock Insurance Reviews 

  • John Hancock Travel Insurance Review
  • 3.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
  • $25K–$50K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
  • Multiple plans to choose from
  • Children 17 and under, free
  • Annual plan for multiple trips
  • Relatively low medical limits
  • Often difficult to compare multiple plan offerings
  • Some plans are relatively expensive
  • Trip cancellation: Up to $100,000
  • Trip interruption: Up to $150,000
  • Medical coverage: $50,000
  • Emergency medical: $25,000
  • Lost baggage: $1,000
  • Change fee: $500
  • Annual Plans
  • One Trip Cancellation Plus
  • One Trip Basic, Prime, Premier
  • One Trip Emergency Medical

More Allianz Global Insurance Reviews

Allianz Travel Insurance Review

  • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
  • $25K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
  • 60 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
  • Very comprehensive top tier coverage
  • Broad adventure travel coverage
  • No deductible
  • Limited coverage for lower tier plans
  • Extensive exclusions for lost/damaged personal property
  • Trip delay: Up to $300/day; $1,250 max
  • Medical coverage: Up to $250K
  • Medical evacuation: Up to $1M 
  • Baggage delay: Up to $750 max
  • Lost baggage: Up to $3K
  • Silver Plan: Basic plan
  • Gold Plan: Better value
  • Platinum Plan: Premier coverage
  • Adventure Product
  • 2.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
  • Not Rated AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
  • Up to $100K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
  • Adventure sports coverage
  • Language apps for iPhones
  • COVID-19 coverage
  • No pre-existing med coverage
  • Restricted civil unrest coverage
  • Less extensive med coverage
  • Emergency dental: $750
  • Trip cancellation: $2,500 / $10K
  • Trip interruption: $2,500 / $10K
  • Medical evacuation: $300K / $500K
  • Lost, damaged, stolen gear: $1K/$3K
  • Standard Plan
  • Explorer (Enhanced) Plan
  • 4.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
  • 60-90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
  • High coverage for trip delay
  • Group travel policies available
  • Cancel for any reason available
  • Low trip cost coverage
  • Sports equipment coverage not automatic

Add-ons and Coverage

  • Trip cancellation: 100% of cost
  • Cancel for any reason: 75% of cost (only for Pandemic Plus plan)
  • Trip interruption: 150%–175% of cost
  • Medical evacuation: $500K (only for Pandemic Plus plan)
  • Lost baggage: Up to $2,500
  • APRIL Pandemic Plus
  • APRIL Trip Cancellation
  • APRIL Choice with Pre-Ex Waiver
  • APRIL Cruise

Travel Insurance: What You Need to Know 

Travel insurance is an optional protection that most travelers should consider. Travel insurance helps people recover losses if travel plans are disrupted. This can include full recovery of prepaid expenses if the trip is canceled entirely as well as coverage for expenses incurred on a trip if facing problems such as a medical emergency or lost items.

A number of credit card companies provide some automatic travel insurance but coverage is limited and often doesn’t cover crisis situations such as the need to evacuate for a civil disturbance or natural disaster. The best travel insurance policies will provide full coverage, can be tailored to specific needs, and reimburse customers for losses and costs that will arise if plans go astray.

Purchasing travel insurance works much like buying other common coverage, such as home or auto insurance. The first step is to understand and list all of anticipated travel costs and potential risks, then contact several companies to obtain quotes to compare. 

What Travel Insurance Covers 

Medical care and evacuation.

The best travel insurance policies provide coverage for emergency medical expenses should a traveler be injured or become ill. Most policies will also offer coverage for the cost of evacuation due to a medical emergency.

Typically, plans reimburse for the cost of emergency care up to a limit set in the policy. It is important to review these limits carefully in light of personal medical risks and health concerns specific to the travel destination. Medical coverage will continue to be a vital part of any trip planning during the COVID-19 pandemic and post-pandemic environments.

Trip cancellation and interruption

Trip cancellation coverage is important if you need to completely cancel a trip because of personal reasons, weather-related incidents, or other covered events. You should review the coverage to assure that protection also applies when a trip is cut short for one of these same reasons.

This interruption coverage is designed to reimburse travelers for the unreimbursed costs incurred for the unused part of the trip. When searching for appropriate travel insurance policies, make sure to carefully forecast your costs for a trip Interruption or cancellation and ensure coverage limits are sufficient.

Delayed or lost baggage

Delayed baggage coverage reimburses travelers for the cost of obtaining toiletries and other basic necessities when baggage is delayed during a trip. On the other hand, lost baggage covers personal items and bags that are completely list and cannot be recovered.  In addition to reimbursement for items lost, many policies provide lost baggage tracking assistance. Be certain to read the fine print as usually each of these coverages come with some pretty stringent conditions. Also, compare this coverage with coverage offered by your credit card providers, as this is one area where these coverages may overlap.

Cancel for any reason

For an additional fee, many insurers will add a “Cancel for Any Reason” provision, which covers travelers in the event of a canceled trip, because of the risk of some disaster, such as a forecasted hurricane or civil unrest while traveling internationally .

The policy timeframe for canceling a trip will be critical so it is important to review the specific policy terms and understand just how close to departure you can cancel and be covered. Also, the extra cost of this coverage can be steep so be certain it is necessary.

How to Choose the Best Travel Insurance Company

Prior to buying travel insurance, it is important to determine the travel coverage you may already have from other sources such as your credit cards, existing health insurance, or homeowners insurance. Also, have your total prepaid and anticipated trip costs calculated and handy. 

Here are some tips on selecting the best travel insurance company policy for your needs:

  • Review any home insurance, umbrella insurance, health insurance, and credit card coverage that may already apply to traveling. For example, some home insurance policies cover lost items no matter where you are and health insurance could apply to situations outside of the United States.
  • Understand the factors that will guide you in selecting the best policy for you — length of trip, destination, your age and health condition and anticipated involvement in high risk sports or other activities.
  • Compare the detailed features and prices of several plans — try to find the cheapest travel insurance company plan that will also cover everything you need.
  • Understand all of the deductible options that are available.
  • Read the fine print and don’t be afraid to ask questions of the insurance company when plans are confusing or you would like a modification to the plan offered.

Finally, once you have purchased a policy and before departing on your trip, make sure you understand the process for filing a claim and seeking emergency assistance should the need arise. You do not want to face a crisis on the other side of the world and not be able to put your hands on the number to call for help.

Travel Insurance FAQ 

Can you buy travel insurance after booking a flight or hotel.

Yes, you can purchase travel insurance after you book your trip. In fact, it can be desirable as you will better understand all costs at that point. Do not wait too long though and miss out on some features.

Can you be refused travel insurance?

Unfortunately, yes. Travel insurance companies often take specific medical conditions into account and can refuse coverage if they determine the risk is too high. This is another good reason to explore various coverage options with different companies.

Is travel insurance worth getting?

Spending 5%–7% of the total cost of your trip to assure that you are not forced to spend perhaps several hundred thousand dollars for a serious medical problem and related expenses is worth getting travel insurance. 

Methodology 

We evaluated travel insurance providers based on coverage, number of plans, optional coverage, medical coverage limits, and AM Best ratings to determine Reviews.com scores and create our best travel insurance provider reviews. To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:

  • Essential Coverage: When comparing travel insurance providers, we considered essential coverage to be 24/7 assistance, trip cancellation/interruption, medical evacuation and more. Providers with more points of essential coverage scored higher. 
  • Number of Plans: Flexibility and having options is important which is why Reviews.com awarded travel insurance providers with higher scores if they presented more plans. 
  • Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric — higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies.
  • Medical Coverage Limit: We compared the medical coverage limits of the best travel insurance companies and awarded providers with higher scores if they had higher medical coverage limits. 
  • AM Best: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.

About the Authors

Rick Hoel Contributing Writer

Rick Hoel is an international business attorney and legal and insurance writer for Reviews.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law.

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Our Review of the Top 10 Travel Insurance Providers for Any Destination

Reviews of the Top 10 Best Travel Insurance Companies

Quality Verified

Updated: October 27, 2022

  • Top 10 Travel Insurance Providers

Our Methodology

Before you buy.

Advertising & Editorial Disclosure

Whether you're planning your honeymoon, a family trip to Hawaii or a business trip to meet new clients, travel insurance can provide protection when your plans go astray. There are generally three main types of travel insurance: travel cancellation and disruption; medical assistance and evacuation; and baggage loss and delay. We researched dozens of travel insurance companies to pick the best in the industry. The right plan for you may depend on the nature of your travels, who is traveling and your budget. But whatever your needs, these 10 picks are financially stable, reliable companies with a good track record and comprehensive coverage.

Our Top 10 Travel Insurance Providers

Best : Overall, and for families with kids Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by Old Republic Insurance Company and Transamerica Casualty Insurance company, which has a financial rating of A+ from A.M. Best, and TransAmerica Casualty Insurance Company, which has A.M. Best ratings of A. The company has won the international luxury travel network Virtuoso's Best Travel Insurance Provider award for eleven years in a row. It is accredited by the Better Business Bureau, which gives it an A+ rating.

Coverage: Travelex offers two main coverage plans - basic and select (family-friendly) - and two flight insurance opt-ins. They offer protection for both leisure and business travelers. Like many companies here, they cover younger children (17 and under) at no additional cost. The company boasts a high claims paid rate (previously reported at 94 percent).

Website/mobile apps: The Travelex mobile website allows you to shop and purchase policies, get emergency assistance, and access trip-related documents from your phone. You can initiate a claim and check the status of your claim online.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Basic $377, Select $333, Max $895

Best for : Frequent travelers Allianz Travel Insurance is part of the giant multinational corporation Allianz, which has over 140,000 employees on five continents. Allianz insures over 80 million customers worldwide. The company has been around for over 100 years. In fact, Allianz insured the Wright Brothers' first flight in 1903. Today Allianz is accredited with the Better Business Bureau, which gives them an A+ rating. Its financial rating from A.M. Best is A+.

Coverage: Allianz offers a handful of distinct plans including those for frequent travelers. If you travel for business, for example, it might be worth investing in an annual plan that covers both medical and lost baggage expenses for all your trips throughout the year.

Website/mobile apps: Back in 2013 Allianz won an award for its TravelSmart mobile app, which connects travelers to approved hospitals in over 120 countries. The app also allows travelers to check on flight statuses, get emergency international assistance, and access their policy while on the road.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $304.

Best for : Luxury Travel TravelGuard is a subsidiary of AIG. Its policies are underwritten by National Union Fire Insurance Company of Pittsburgh, which has an A.M. Best financial rating of A. The company is accredited with the Better Business Bureau and has a rating of A+.

Coverage: TravelGuard includes trip assistance - including dealing with lost bags, cancelled flights, or medical emergencies - via agents who are available 24 hours a day. They offer three basic plan levels - Deluxe, Preferred, Essential - as well as numerous additional upgrades and packages. Upgrades can cover things like last-minute trips where cancellation isn't a factor. TravelGuard stands out in its overage levels - it will insure a trip coverage up to $500,000, higher than the average industry coverage. All of its plans include concierge service and 24-hour emergency assistance.

Website/mobile apps: TravelGuard has an online Claims tool that allows clients to easily file a claim from a computer or mobile device. The tool speeds up the claims process while allowing users to upload photos and documents, electronically sign claims forms, and check the status of a claim from their phones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Silver $252/Gold $309 / Platinum $655

Best for : Traveling with pets San Diego-based Generali Global Assistance has provided travel insurance since 1991. The insurance division has previously been known as CSA Travel Protection. Generali Global is accredited by the Better Business Bureau and has an A+ rating and an A financial rating from A.M. Best.

Coverage: CSA offers three plans: Standard, Preferred and Premium. It covers telemedicine services with its plans and medical costs if a person becomes sick or injured during their trip. It also reimburses medical costs if you pay out of pocket. As with most travel insurance companies, CSA offers 24/7 emergency assistance, concierge services, identity theft resolution services and a 10-day "free look" period. If you change your mind within 30 days of purchasing the insurance and before you start your trip, the company will provide a full refund. It offers pet relocation services: If you have a medical emergency and cannot take care of your pet while on vacation, it will return your pet home. It also has a Pet Service Locator to help you find vets or other pet services on your travels. For pre-existing medical conditions, you would need to purchase the Premium plan before or at least 24 hours in advance of your final trip payment. You will also need to be medically able to travel, and your prepaid expenses are insured.

Website/mobile apps: They walk you through the claim-filing process step-by-step on their website .

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $298.52 Standard / $346.28 Preferred / $398 Premium

Best for : Budget Adventure Travel World Nomads has targeted its insurance at independent travellers and adventure-seekers. If your vacation includes activities like kite sailing, snowboarding, or bungee jumping, this might be the company for you. The company is recommended by Lonely Planet and National Geographic Adventure... But you don't have to be an adventure seeker to benefit from the very competitive rates offered by World Nomads. The company's policies are underwritten by Lloyd's, which has an A financial rating from A.M. Best.

Coverage: World Nomad offers two levels of insurance plans, which include all of the typical coverage options. In addition, it offers coverage for cameras, laptops, digital gear, and all sorts of travel activities.

Website: World Nomads has an interactive website that allows you to ask questions related to travel and receive both informative articles and blog posts from fellow travelers. It has also developed language apps for iPhones. And you can purchase policies and file claims online from anywhere in the world.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $185 to $255. World Nomad doesn't ask the cost of your trip for the online quote, or the number of travelers, but does distinguish between single, couple, and family groups. The quote tool offers an option to donate to a cause in your destination as well.

Best for : Workaholics In addition to providing travel insurance, AXA offers trip other assistance through its network of over 9,000 staff members in over 30 offices around the world. The company has a financial rating of A from A.M. Best. American Modern Home Insurance - which has an A+ financial rating from A.M. Best - underwrites AXA travel policies. AXA Assistance has an A+ rating from the Better Business Bureau.

Coverage: AXA offers three plans (gold, silver, platinum). It offers an additional "cancel for any reason" policy, which will cover up to 75 percent of your pre-paid non-refundable trip costs. This option must be purchased within 14 days of your first trip payment, but it's a good option for people whose jobs are unpredictable.

Website/mobile app: The website provides a clear chart outlining the three levels of service and their coverage, and it is fast and easy to get an online quote.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $342 Silver / $395 Platinum / $492 Gold

Best for : Study abroad/Expats HTH Travel Insurance is a leader in providing medical coverage for international students and expatriates. The company's policies are underwritten by Nationwide, which has an A+ financial rating from A.M. Best. HTH is not rated by the Better Business Bureau, but it is a member of the U.S. Travel Insurance Association (USTIA) and has signed on to its Code of Ethics.

Coverage: In addition to providing traditional comprehensive trip insurance, HTH specializes in providing medical coverage for students, faculty, and expats living abroad. The long-term overseas coverage only covers medical issues, not trip cancellation or lost baggage. The plan will pay up to $1,000,000 for a medical evacuation and contains no lifetime limit.

Website/mobile apps: The website offers a lot of information about overseas travel and living and provides straightforward quotes. The mPassport app gives you access to thousands of doctors around the world who speak English.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $389, Classic $456, Preferred $546.

Best for : Mobile app aficionados Warren Buffet's Berkshire Hathaway is not known for travel insurance, but it is rapidly gaining recognition in the market for its technological advances in the field. It launched its travel protection program in 2014 and has been winning over customers with its fast claims payments. Berkshire Hathaway has an A.M. Best financial rating of A++. It is accredited with the Better Business Bureau and has an A+ rating.

Coverage: BHTP offers six distinct plans tailored to meet your specific travel needs. Options are available for adrenaline junkies, low-budget fliers, family vacationers, business travelers, and even those looking to relax on a cruise.

Website/mobile apps: Berkshire Hathaway is a leader in providing mobile apps to facilitate rapid claims and payments. You can file a claim online or via the mobile app, which also allows you to track flights, get help finding lost luggage, rebook flights and purchase policies. Getting an online quote is also possible, but the process isn't quite as smooth.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: ExactCare Family: $249; ExactCare: $346.

Best for : International volunteers or employees The Indiana-based Seven Corners began offering international medical insurance in 1993. Today Seven Corners offers a wide range of travel insurance to U.S. residents and foreigners visiting the U.S. It also offers group plans to companies, non-profits and U.S. government agencies seeking to protect their staff and volunteers when traveling. It is the travel insurance provider for the Peace Corps and other U.S. government agencies. Different plans are underwritten by different companies. The popular RoundTrip comprehensive plans are underwritten by Nationwide, with an A+ financial rating from A.M. Best. Other plans are underwritten by Lloyds of London or U.S. Fire Insurance Company, both of which have A ratings from A.M. Best.

Plans: Seven Corners offers a wide range of plans for almost every conceivable coverage option. Its RoundTrip plans provide comprehensive trip coverage (including trip cancellation, medical treatment, and lost property). The RoundTrip Elite plan allows you to cancel for any reason (with 75% reimbursement) and covers pre-existing conditions as long as you purchase the plan within 20 days of your trip deposit and fully insure your trip.

Website/mobile app: In 2016, Seven Corners launched a new mobile website that allows consumers to purchase plans, get 24-assistance and learn about travel insurance from their smartphones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $416, Choice $441, Elite $462.

Best for : Hassle-free claims Founded in 1988 in France, April International now operates in 33 countries. April has an A+ financial rating from A.M. Best. Its U.S. travel insurance policies are underwritten by American Modern Home Insurance, which also has an A.M. Best rating of A+. The company is accredited with the Better Business Bureau and has an A+ rating, and it's a member of the U.S. Travel Insurance Association.

Coverage: April provides traditional comprehensive travel insurance, but it also offers an annual plan designed for people who travel at least three times per year. For fairly low prices, you can get basic coverage for trip interruption or delay, medical expenses, and baggage delay or loss. These are plans designed for frequent travelers who don't want to sweat the many small complications that can add up to big expenses. April prides itself on its Stress Less Benefits, which often allows policyholders to avoid a claims process and instead just call in their issue while traveling. If a claims report is needed, the company seeks to get it paid within 30 days.

Website/mobile apps: April has an easy to use website (though some reimbursements require the old-fashioned way) as well as a fully functional "Easy Claim" app.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $482.

We reviewed dozens of travel insurance providers to come up with this list of top companies. Our criteria for inclusion included:

reviews on makesure travel insurance

Experts recommend you do your homework before buying a travel insurance policy. The industry is known for excessive exclusions and confusing language in small print. The National Consumer League recommends that you:

Check to see if you're already covered through another policy. Lots of insurance policies (including home, auto, and life) and credit cards offer partial coverage for trip interruption or medical emergencies.

Read the fine print - especially regarding exclusions. Things like pre-existing conditions, pregnancy-related issues, job loss or travel in a country that has reported a high threat of terrorism may be excluded.

Remember that you can get your money back. Lots of travel insurance companies allow you to get your money back if you cancel the plan within ten days (before travel).

Don't purchase travel insurance through airlines. Airlines aggressively push these cancellation insurance plans and pay commissions of 10 to 40 percent to the travel agents who sell them.

Consumer Reports recommends that you use an online travel insurance broker to search for a good match for your travel. Sites like Squaremouth , InsureMyTrip.com , or QuoteWright.com all allow you to shop and compare quotes. Even if you use such a service, however, Consumer Reports recommends contacting the carrier directly to go over the coverage and fine print before purchasing a policy.

U.S. Travel Insurance Association (USTIA) This professional association represents travel insurance companies and promotes ethical and professional industry standards. You can search its database for member organizations.

National Association of Insurance Commissioners (NAIC) Provides information and advice for consumers regarding when and how to purchase travel insurance.

Insurance Information Institute (III) The III is dedicated to promoting a public understanding of insurance. It has a page providing travel insurance facts.

Your state Insurance Commissioner All insurance is regulated at the state level. NAIC provides an interactive map so that you can click on your state and be directed to your state's Insurance Commissioner.

Better Business Bureau (BBB) The BBB allows you to search its vast online database to check on the reputation and any complaints that have been filed against a company.

About Mary Purcell, MA

Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master's degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.

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Best Travel Insurance for Seniors of June 2024

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Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Best Senior Travel Insurance Companies

  • Best overall: Allianz Travel Insurance
  • Best for expensive trips: John Hancock Travel Insurance
  • Best for older travelers:  TravelSafe Insurance

Best for affordability: GeoBlue Travel Insurance

Best for annual plans: travel guard.

How we rate the best senior travel insurance companies »

Compare the Best Travel Insurance for Seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for older travelers: TravelSafe Travel Insurance

TravelSafe Insurance is a great choice for older travelers, even among seniors, insuring travelers up to 100 years old. TravelSafe also offers pre-existing condition waivers for all its tiers when you purchase your policy within 21 days of your initial trip deposit. With a great deal of flexibility, travelers don't have to worry about eligibility when purchasing travel insurance with TravelSafe. TravelSafe even has two tiers of coverage devoted specifically to golfers. 

Read our TravelSafe travel insurance review here.

GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance . Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums than its competitors. 

GeoBlue's policies cover travelers who are under 95 years old, offering sizeable coverage for emergency medical treatments (up to $1 million) and medical evacuations (up to $500K). It's worth noting that while coverage for pre-existing conditions are available, it costs extra.

Read our GeoBlue Travel Insurance review here.

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a pre-existing medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding Travel Insurance for Seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

  • Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
  • Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
  • Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

  • Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
  • Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
  • Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

When you purchase a travel insurance policy, you'll be able to see a description of benefits, which is a long document that describes the exceptions and limitations to your coverage. You should carefully review this document so you're not blindsided by unexpected claim denials. 

For example, if you're canceling a trip because unexpected work, you may not be eligible for coverage if you haven't worked at your company for long enough. Additionally, you should review your policy to ensure that your pre-existing condition is covered, as companies often have very specific language around what qualifies as a covered pre-existing condition.

Emergency assistance services

Most companies offer a 24/7 concierge service that can help you navigate situations that arise during your trip, even issues beyond the scope of your policy. They can advise you on how to navigate these situations in accordance with your policy and make sure you acquire the necessary documentation when you need to file a claim down the line.

How to Pick Travel Insurance as a Senior Traveler

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

  • Travel medical coverage - This coverage will pay for your medical bills outside the US.
  • Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
  • Pre-existing conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a pre-existing condition waiver .
  • Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
  • Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
  • Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
  • Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers pre-existing conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover pre-existing conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

Why You Should Trust Us: How We Reviewed Senior Travel Insurance

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

  • Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
  • Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
  • Coverage for pre-existing conditions: Pre-existing conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for pre-existing conditions.
  • Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
  • Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Best Senior Travel Insurance FAQs

What should seniors specifically look for in a travel insurance policy.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for pre-existing conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

How much does senior travel insurance cost?

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. While the average travel insurance policy costs 4% to 8% of your trip's nonrefundable cost, a 65-year-old's policy may cost 15% of their trip's cost.

Are pre-existing medical conditions covered by travel insurance for seniors?

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

What is the best travel insurance for seniors?

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

Does travel insurance have an age limit?

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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Best Travel Insurance for Seniors of June 2024

Introduction to Faye Travel Insurance

  • Types of Policies Offered
  • How to Purchase and Manage Your Policy

Faye Customer Service and Support

Compare faye travel insurance.

  • Why You Should Trust Us

Faye Travel Insurance Review 2024

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

At its core, Faye Travel Insurance is the first fin-tech startup providing a modern take on travel insurance. Our Faye travel insurance review finds the company prides itself on offering a fully digital experience. This digital push means its consumers can buy a policy, submit claims, and receive payouts seamlessly through a mobile app.

Faye puts your travel insurance options in the palm of your hand. However, everyone's travel insurance needs differ. Online access is only one of the things travelers look for. So it's essential to read the fine print before you pay for the best travel insurance for your needs. Here's a closer look at what you need to know before buying a Faye travel insurance plan.

Faye Faye Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Customers love the product and claims process
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy online quoting process
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Add-ons including pet care, rental car coverage, and cancel for any reason
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy debit cards for claims payment on your trip
  • con icon Two crossed lines that form an 'X'. Only available to US citizens
  • con icon Two crossed lines that form an 'X'. May be harder for non-tech savvy travelers
  • con icon Two crossed lines that form an 'X'. Younger travelers can find cheaper travel insurance elsewhere

Faye is a fairly new competitor in the travel insurance industry, operating since 2019. It offers one base travel insurance policy with quite a few additional coverage options, such as pet care expenses, vacation rental damage protection, and adventure sports protection. You'll manage your policy, file claims, and communicate with customer service and travel assistance through Faye's mobile app. 

Faye's "whole trip" travel insurance policy covers all the fundamentals with fairly high coverage limits. That said, its premiums are on the high side. It has particularly high rates for younger travelers relative to its competitors, which is a shame, since its tech-focused approach to travel insurance seems geared towards younger travelers.

Types of Policies Offered by Faye Travel Insurance 

Faye starts with one base plan, boasting that it provides "whole trip" travel insurance to protect "your trip, your health, and your stuff." It also offers riders to customize your coverage for a fee.

Here's what's included in the base plan:

Additional coverage options from Faye

In addition to the base plan, Faye offers a robust selection of riders or supplemental policies buyers can add to the plan for an additional cost. The riders are the same in the U.S. and abroad.

These include:

  • Adventure and extreme sports protection: up to $250,000 (international trips) or $50,000 (domestic trips) for accident and sickness expenses. Users should read the policy to ensure their plans qualify.
  • Vacation rental damage protection: applicable for short-term rentals like Airbnb and VRBO or other rentals. Faye will reimburse you up to $3,000
  • Cancel for Any Reason: up to 75% of the nonrefundable insured trip cost when purchased within 14 days of initial trip deposit
  • Pet Plan Bundle: up to $2,500 for vet expenses and $250 for kenneling if your trip is extended unexpectedly
  • Rental car care (for cars renting within the U.S. and Canada only): up to $50K in coverage for accidental damage by collision, vandalism, natural disaster or theft related to your rental car

Always check your other insurance policies if you're looking for specific coverage types not included in this list. You might be surprised at the coverage automatically available to you. For example, U.S. auto insurance will extend to rental cars in the U.S. You can talk to your auto insurance company about any international travel.

Additionally, some credit cards offer travel protections , which are generally along the lines of basic travel cancellation insurance. If you have a travel credit card, it may be worth double-checking the protections that credit card provides. You can find our guide on the best travel credit cards here.

Faye Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for  plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Faye travel insurance coverage costs.

  • 23-year-old from Illinois taking a week-long, $3,000 trip to Italy: $162.18
  • 30-year-old from California on a two-week vacation to Japan for $4,000 trip: $173.17
  • Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000: $919.70
  • 65-year-old New Jersey couple traveling to for Mexico for two weeks for $6,000: $436.52

With these estimates, Faye isn't the cheapest travel insurance policy . However, these costs are roughly in line with what you should expect to pay for an average travel insurance policy. 

How to Purchase and Manage a Faye Policy

To purchase a Faye policy, you'll need to give them the following details about your trip:

  • Destination
  • Travel dates
  • Number of travelers, their birthdays, and email addresses
  • State of residence

Once you get your quote, you can input your trip cost as well as purchase any riders you qualify for. 

How to File a Claim with Faye

The easiest way to submit a claim with Faye is through its mobile app. The app has a 24/7 chat feature to ensure you get the assistance you need as quickly as possible.

You can also contact Faye via phone or email. Domestic travelers should call +1-833-240-7056, while international travelers should dial +1-804-482-2122. If you wish to contact the company via email, [email protected] is the best address.

Notably, one thing that sets Faye's claims process apart from other travel insurance providers is that any payouts you receive will be deposited directly into your Faye Wallet. The Faye Wallet works similarly to an Apple Pay account, allowing Faye's team to process claims faster. You can immediately access the money to pay for things like dog kenneling, replacing everyday toiletries and clothes, and more.

Customer reviews report that a claim might take a while to process on their own but calling Faye's customer support line can expedite the claims process.

Although Faye is relatively new in the travel insurance industry, it's built an excellent reputation among its customers. It has an average rating of 4.7 stars out of five on its Trustpilot page. Reviewers spoke highly of the buying process and customer service team. The claims process received mixed reviews, with some extended wait times, but reviews on the claims process were still positive overall. 

Faye's mobile apps on Android and iOS play a significant role in your coverage, allowing you to manage your policy, file claims, and communicate with Faye's customer service team. Faye's Android app received 4.0 stars on the Google Play store, and its iOS app received 4.2 stars. 

In addition to positive reviews, it's also worth mentioning that Faye regularly responds to reviews on Trustpilot as well as its mobile app. That said, contacting customer service directly is still the most reliable way to get assistance, as review response times from Faye range from same-day to two-weeks from when the review was made.

Learn more about how Faye Travel Insurance compares to some of the best travel insurance companies.

Faye vs. AIG Travel Insurance

While both Faye  and AIG offer apps for travel insurance customers, AIG's app is currently only available to those with corporate bookings. In short, vacationers lack access to the app. Faye, on the other hand, has apps for both IOS and Android users.

Faye may be the way to go if you're more comfortable navigating the insurance process on your phone or don't plan to take a computer. Still, AIG may provide more options if you want more control over your claim limits.

AIG offers three levels of comprehensive travel insurance with varying limits. The company also has annual travel insurance plans, which may be a good fit if you plan to go on multiple trips this year. Overall, premiums are similar between the two companies.

Read our AIG Travel Insurance review here.

Faye vs. Allianz Travel Insurance

One of Faye's main benefits is that it offers a large selection of add-on options that allow you to tailor your coverage to fit your needs. These include riders like a pet policy or an adventure sports rider.

At this time, Allianz only offers supplemental rental car insurance policies in addition to its comprehensive insurance plans.

However, Allianz may present a more straightforward and comprehensive option if you're not in the market for hyper-specialized coverage. Both companies include emergency medical transportation and costs in base plans. Overall, Allianz is typically the more affordable option between the two.

Read our Allianz Travel Insurance review here.

Faye vs. World Nomads Travel Insurance

On the whole, Faye and World Nomads travel insurance are relatively similar. Both offer comprehensive insurance plans, coverage for extreme sports, and 24/7 claims assistance. However, it's the finer details that set the two companies apart.

For its part, Faye's most significant selling point is its mobile app and quick transfer of funds to its card. It also has the option to add on those tailored additional coverage riders, such as its pet plan bundle, cancel for any reason coverage, and vacation rental damage protection.

In contrast, World Nomads has two comprehensive plans, which means you can select your claim limits. Plus, the company allows you to extend your coverage if you stay away from home longer than you'd planned.

World Nomads premiums may also be more competitive depending on where you're going.

Read our World Nomads Travel Insurance review here.

Faye Travel Insurance FAQs

Yes, Faye offers travel insurance for international trips, making it suitable for international travel, but it's always important to check specific destination coverage in the policy terms.

Yes, Faye offers an adventure and extreme sports protection rider, though it will significantly increase the cost of your travel insurance policy.

Faye handles COVID-19 like any other illness when it comes to trip cancellations and medical emergencies.

Faye's claims process is reportedly simple, with no paperwork required. Reports of claim wait times vary, but getting in touch with customer service is a reliable way to expedite the process.

Faye stands out for its digital approach to travel insurance with its mobile apps for iOS and Android.

Why You Should Trust Us: How We Reviewed Faye Travel Insurance

While reviewing Faye, we compared its offerings to other reputable travel insurance providers. Specifically, we compared the available plan options, add-ons, claim limits, coverages, exclusions, and typical policy costs.

Choosing the best policy for you and your co-travelers is about finding a policy with the right type of coverage and sufficient claim limits. Of course, price is a significant factor for many consumers. But specialty riders for daredevils and other details help consumers make the right decision. As such, we take all that into account.

You can read more about how we rate travel insurance products here .

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

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

**Enrollment required.

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Your 2024 Credit Card Checklist for Summer Travel

Craig Joseph

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 .

Checklists are a key step in travel preparation for many people. Passport — check. Phone charger — check. But have you checked to make sure you’re fully utilizing the travel perks offered by your credit card?

Whether you’re a seasoned jetsetter or a novice traveler seeing the world for the first time, benefits from the right credit card can make a trip more convenient and more comfortable. That’s good news for the 50% of Americans who plan to travel more in 2024 than 2023, according to a survey by IPX1031, a Fidelity National Financial Company.

Here’s a credit card checklist to review before you hit the road this summer.

reviews on makesure travel insurance

1. Bring a card

First things first — be sure to bring a credit card! Many airlines, and even entire airports, are now cash-free. That means you’ll need a card to pay for that pre-departure drink or in-flight snack. You might even earn bonus rewards.

For example, if restaurants are a bonus category for your card, sit-down establishments within the airport will usually still earn that higher rewards rate. If your card earns a bonus on travel purchases, you'll usually earn that bonus for in-flight purchases.

2. Register for TSA PreCheck, Global Entry or Clear

Airports are more crowded than ever, with air passenger growth up 6% and foreign travel up 24% year over year, according to a study conducted by the U.S. Travel Association and Tourism Economics.

To ease the burden of long lines, check if your card offers a credit that covers the cost of TSA PreCheck , Global Entry or Clear . These programs allow you to speed through the line at security or customs, but since they all require a background check and an in-person interview, you'll need to register well before your trip. Even if you haven’t been verified for this trip, register today to prepare for your next trip.

3. Register for lounge access

Airport lounges offer a reprieve from the hustle and bustle of the airport terminal, with most offering free food and drinks. If your card offers access to Priority Pass lounges, you’ll need to register for that benefit before you hit the road.

Don’t forget your physical membership card, or even easier, download the Priority Pass app and use your phone to access the lounge.

4. Notify your issuer of your travel plans

Few things can create issues like having your card unexpectedly stop working when you’re away from home, especially internationally. With rates of credit card fraud increasing, it’s possible your card could stop working if you’re spending outside of your normal patterns or locations. To preempt this, notify your issuer before you travel. Often you can do this online or through the app, but just in case, be sure to travel with at least two cards .

5. Avoid paying foreign transaction fees

If you’re traveling abroad, make sure you have a card that doesn’t charge foreign transaction fees . If your card does levy those fees, try to get a different card before you leave the country.

6. Pay with your most rewarding card

Be sure to identify opportunities to leverage your trip and earn outsized rewards. For example, if you know you’ll be staying at a Hilton brand hotel, you might consider applying for one of the Hilton credit cards offered by American Express and earn up to 14 Hilton points per dollar you spend at the hotel. Those points can stack up fast and easily defray costs for your future travel.

But you'll need to bring the physical card with you. Many hotels aren't able to accept digital wallet payments, so if you can't swipe your card, you'll miss out on those heightened rewards.

7. Check your card’s money-saving offers

Many issuers have programs, such as AmEx Offers, Chase Offers and BankAmeriDeals from Bank of America, that let you add rotating promotional offers to your card and earn additional points or cash back for making purchases at specific merchants. Be sure to review these offers for any merchants where you might spend during your travels. Just be aware of the fine print — often these offers exclude, or only include, international merchants.

On a similar note...

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Credit cards > Reviews

Citi Strata Premier Card review 2024: Takes the Premier Card to the next level

Carissa Rawson

Updated 12:53 p.m. UTC May 30, 2024

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The freshly debuted Citi Strata Premier℠ Card * The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which has replaced the now-defunct Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , maintains much of what made its predecessor great. Along with a low annual fee, the card rewards everyday spending such as supermarkets, dining and travel. It also offers strong travel insurance protections for those who are often on the road. Read our in-depth Citi Strata Premier Card review, including card highlights to help you decide if the card is a good option for you.

Citi Strata Premier Card basics

  • Annual fee: $95.
  • Welcome bonus: 75,000 points after spending $4,000 on purchases in the first three months of account opening.
  • Rewards: 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.
  • APR: 21.24% to 29.24% variable APR on purchases and balance transfers.
  • Recommended credit score: Good to excellent.
  • Does the card offer preapproval? No.
  • Other benefits: Travel insurance, $100 annual hotel credit (conditions apply).

Citi Strata Premier Card review

The Citi Strata Premier Card won’t be for everyone, but it’ll fit the bill for most. With a sub-$100 annual fee, the Citi Strata Premier Card focuses heavily on becoming the default card in your wallet. Why? Because it’ll earn you strong rewards on spending you’re already doing, including restaurants, travel, supermarkets, EV charging stations and gas stations. 

The Citi ThankYou® points that you’ll earn can then be transferred to any of Citi’s hotel, airline and shopping partners. This makes them easy to use and especially valuable when used for travel and places the Strata Premier firmly among the best Citi credit cards out there. 

Speaking of travel, the Citi Strata Premier’s travel insurance benefits are some of the most comprehensive you’ll find on a card at this price point. While you won’t get reimbursement for baggage delays — like you would with the Chase Sapphire Preferred® Card — Citi’s rental car insurance is primary outside your country of residence. It also provides coverage in commonly excluded countries, such as Ireland. 

Beyond this, the Citi Strata Premier Card is the absolute best card for purchasing theme park tickets, especially ones that you’ll rarely find discounted. This is due to the card’s ability to earn an elevated rewards rate on attractions booked within the Citi travel portal . Pricing for these tickets isn’t hyper-inflated, either. 

This means that when it comes to purchasing tickets to places such as Walt Disney World, you’ll be able to really maximize your points. For example, a three-day Park Hopper ticket to Walt Disney World that costs $560 on Citi’s travel portal will earn you 5,600 Citi points. With values as high as 1.8 cents per point when transferred to some of Citi’s travel partners, that’s about $100 in rewards — close to 20% — that you’ll get back. That’s not something you’ll find anywhere else. 

reviews on makesure travel insurance

  • Elevated rewards on everyday spending : Bonus categories include the types of purchases most people make. 
  • No complicated credits : Unlike some cards, the Citi Strata Premier Card doesn’t offer credits on a monthly, quarterly or semi-annual basis. 
  • Best credit card for attractions : Earns twice as many points as competitors on purchases such as theme park tickets. 
  • Limited statement credits : The only statement credit you’ll get requires a $500 minimum hotel stay purchase.
  • No delayed luggage insurance : Loses out to competitors on luggage insurance, since it doesn’t provide for delayed luggage. 
  • No premium travel perks : Card doesn’t include perks such as lounge access or free checked luggage.

Citi Strata Premier Card rewards

The Citi Strata Premier Card earns elevated rewards on a number of categories:

  • 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com.
  • 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations.
  • 1 point per $1 on other purchases.

As the card is freshly debuted, it’s offering an elevated welcome offer:

  • Earn 75,000 points after spending $4,000 on purchases in the first three months of account opening. 

This is in contrast to the welcome offer that the Citi Premier Card was offering, which included 60,000 points after spending $4,000 on purchases in the first three months of account opening. 

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. Here’s how our sample household’s rewards could break down:

In this example, the cardholder earns 47,645 rewards points. This can be worth $476 in value when redeemed via Citi’s travel portal, but that’s not a great option. This is because Citi’s hotel and airline partners can provide much greater value. 

As an example, here’s the Hotel C Stockholm, Ascend Hotel Collection, where booking a deluxe room for four through Citi’s travel portal will run you about $298 USD per night.

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Or, you can take advantage of Citi’s relationship with Choice hotels and transfer your Citi points over to Choice Privileges at a 1:2 value, meaning one Citi point becomes two Choice points. 

This represents an especially good value because an award night for your stay will cost just 16,000 Choice points — or 8,000 Citi points.

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In this example, you’re getting 3.7 cents in value per point, which is excellent. 

Citi Strata Premier Card perks

Along with the ability to earn Citi points, the Citi Strata Premier Card has two major perks: A $100 hotel credit and travel insurance.

The $100 credit is valid once per year and provides you with $100 off a single hotel stay of at least $500 (excluding taxes and fees) when booked via the Citi travel portal.

The Citi Strata Premier Card’s travel insurance is also fairly robust:

  • Trip delay insurance: Starts at six hours, reimburses a maximum of $500 per trip and two claims per 12-month period.
  • Trip cancellation/interruption insurance: Up to a maximum of $5,000 per trip and $10,000 per 12-month period.
  • Lost or damaged luggage: Pays back a maximum of $3,000 ($2,000 for New York) per trip and two claims per 12-month period.
  • Rental car insurance: Coverage is secondary within your country of residence, primary when you’re traveling abroad.

How the Citi Strata Premier Card compares to other rewards cards 

While the Citi Strata Premier Card doesn’t earn industry-leading rewards in every category, it provides a solid, all-in-one option that outdoes its competition. 

Citi Strata Premier Card vs. Chase Sapphire Preferred® Card

Like the Citi Strata Premier Card, the Chase Sapphire Preferred Card charges a $95 annual fee and offers a hotel credit. 

Unfortunately, the Chase Sapphire Preferred falls behind when it comes to earnings. You’ll get 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. 

The elevated rewards rate includes air travel, which beats out the Citi Strata Premier Card. However, it’s half as much as you’ll get for hotels, rental cars and attractions.

The card’s other earnings are similarly lower, which means you’ll get better value for your annual fee by choosing the Citi Strata Premier. The only exception to this is those who stay frequently at Hyatt hotels, since Citi doesn’t offer World of Hyatt as a transfer partner .

Packed with perks: Here are 11 travel benefits on the Chase Sapphire Preferred card worth knowing about

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

  • Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
  • $50 annual statement credit toward Chase Travel hotel bookings.
  • Valuable travel protections.
  • $95 annual fee.
  • Category bonuses are limited and not competitive against other travel cards.
  • Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Citi Strata Premier Card vs. Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Wells Fargo Autograph Journey is another $95-annual-fee travel card. With a superior annual statement credit of $50 on a $50 minimum airfare purchase, and elevated earnings, it beats out the Citi Strata Premier Card for both airfare and hotels. With this card you’ll earn 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.

This makes the Autograph Journey a compelling option for those who spend a lot on travel each year. Its biggest downside is its limited transfer partners, with just a handful available compared to Citi’s offerings. The best one between the two will depend on which is more important to you: Higher earning rates or a longer list of transfer partners.

Citi Strata Premier Card vs. American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

More expensive than the Citi Strata Premier Card at $150 per year (terms apply), the Amex Green Card offers better benefits for those looking for an elevated travel experience. This is due to its annual up to $100 LoungeBuddy statement credit, which can be redeemed for lounge access, and its annual up to $189 CLEAR ® Plus statement credit, which can help skip past airport security lines. Both are available each calendar year. 

However, the American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. doesn’t offer elevated rewards on most everyday spending, instead focusing on travel, transit and dining at restaurants. Most people will find that it’s better to earn higher rewards overall, but bigger spenders can likely offset the out-of-pocket cost for the Amex Green’s perks.

All information about American Express® Green Card has been collected independently by Blueprint.

Is the Citi Strata Premier Card worth it?

The Citi Strata Premier Card can offer great rewards for most households, especially those with big budgets for supermarkets, gas or EV charging stations, travel and dining. 

Citi Strata Premier Card is right for you if:

  • You want to earn transferable Citi ThankYou points. 
  • You spend most of your budget on everyday expenses. 
  • You don’t want to spend more for travel perks like lounge access and elite status.

Frequently asked questions (FAQs)

The annual fee for the Citi Strata Premier Card is $95. 

The value of a Citi ThankYou point is going to depend on how you use it. You’ll get one cent in value when redeeming a point for travel through the Citi travel portal, while utilizing hotel and airline transfer partners can yield you 50% to 80% more value. 

There are many different ways to use your Citi ThankYou points , including statement credits, credit cards, travel and more. 

You should have at least a good to excellent credit score to get the Citi Strata Premier Card. FICO typically defines a good score as starting at 670* and higher.

*Blueprint uses credit ranges derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

*The information for the American Express® Green Card, Citi Premier® Card, Citi Strata Premier℠ Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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

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

Carissa Rawson

Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.

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  1. Makesure travel insurance reviews • Fairer Finance

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  2. The Best Travel Insurance Companies: The Ultimate Guide

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  3. Travel Insurance Reviews for 2021

    reviews on makesure travel insurance

  4. How to Compare Travel Insurance Companies (Updated June 2022)

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  6. Makesure Insurance Services Limited Reviews

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COMMENTS

  1. Makesure Insurance Services Limited Reviews

    Makesure Insurance Services Limited is an insurance broker specialising in providing travel insurance with both Annual Multi-Trip and Single Trip policies. The company is known for offering policies to those with pre-existing medical conditions up to the age of 76 for Annual Multi-Trip and with no upper age limit for Single Trip policies.

  2. Makesure Travel Insurance Reviews: Coverage & Claim Insights

    Choosing the right travel insurance is a crucial step in planning your trip. Makesure Travel Insurance reviews offer a wealth of information to guide your decision. By considering coverage satisfaction, customer service experiences, and the ease of the claim process, you can select a policy that best suits your needs.

  3. Makesure

    The experts say: Makesure's single trip travel insurance is a good option for those with pre-existing medical conditions, who are looking for a reliable and straightforward policy. With a cover limit of up to £5,000 for cancellation before travel, as well as up to £2,000 for personal possessions and baggage, and a medical excess of £150 ...

  4. Makesure Insurance Services Limited Reviews

    Do you agree with Makesure Insurance Services Limited's 4-star rating? Check out what 1,822 people have written so far, and share your own experience. | Read 41-60 Reviews out of 1,678

  5. Makesure travel insurance reviews

    Makesure travel insurance. Makesure travel insurance specialises in offering cover for travellers with pre-existing medical conditions or those over 65. Makesure travel insurance offers cover for any age traveller up to 99 years old. Based in London, its travel insurance is underwritten by Ageas. Makesure is a Private limited Company and was ...

  6. Makesure Insurance Services Limited Reviews

    Do you agree with Makesure Insurance Services Limited's 4-star rating? Check out what 2,011 people have written so far, and share your own experience. | Read 21-40 Reviews out of 1,848

  7. Makesure Insurance Services Limited Reviews

    Do you agree with Makesure Insurance Services Limited's 4-star rating? Check out what 1,658 people have written so far, and share your own experience. | Read 1,501-1,520 Reviews out of 1,530

  8. Makesure Insurance Services Limited Reviews

    Check out what 2,007 people have written so far, and share your own experience. | Read 1,081-1,100 Reviews out of 1,844. Do you agree with Makesure Insurance Services Limited's TrustScore? Voice your opinion today and hear what 2,007 customers have already said. ... Staysure Travel Insurance.

  9. MakeSure Travel Insurance reviews

    MakeSure : Travel Insurance reviews. View other MakeSure products. 5.00. Based on 1 reviews, last reviewed 15th Sep 2019 No new 5 star reviews in the past 90 days. No new 1 star reviews ...

  10. 11 Best Travel Insurance Companies in May 2024

    Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...

  11. Makesure

    Campbell Irvine will offer you a quotation for the renewal of your Annual Multi-Trip travel insurance policy on our behalf. They can also offer you both an Annual Multi-Trip and Single Trip quotation. If you would like to discuss your renewal, please contact the call centre on 0203 873 6718 (Monday - Friday 9-5:30pm, Saturday 9-5pm).

  12. Makesure

    About Makesure Insurance Services. ... Makesure Travel Insurance is a trading name of Makesure Insurance Services Limited, Makesure Insurance Services Limited are authorised and regulated by the Financial Conduct Authority, firm reference number 309548. Makesure Insurance Services Limited is a company registered in England and Wales with ...

  13. Best Travel Insurance for Visiting the USA

    For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas ...

  14. 9 Best Travel Insurance Companies of 2024

    9 Best Travel Insurance Companies of 2024. According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company ...

  15. 5 Best Travel Insurance Companies Reviewed by Buyers in 2024

    Read 6,827 Reviews. Allianz is one of the oldest insurance companies in the United States, having insured the Wright Brothers' first flight as well as various movie stars' vehicles. Today, it ...

  16. Best travel insurance companies and policies 2024

    All Clear travel insurance - Platinum. 79% policy score - joint 7th out of 161 policies rated. We like: All Clear was the highest-scoring medical specialist insurer in our analysis. Its policy covers outbound, connecting and returning flights that you miss because of delays.

  17. Makesure Insurance Services Limited Reviews

    Makesure Insurance Services Limited is an insurance broker specialising in providing travel insurance with both Annual Multi-Trip and Single Trip policies. The company is known for offering policies to those with pre-existing medical conditions up to the age of 76 for Annual Multi-Trip and with no upper age limit for Single Trip policies.

  18. 6 Best International Travel Insurance Companies

    Best overall: Allianz Travel Insurance. Best for exotic travel: World Nomads Travel Insurance. Best for trip interruption coverage: C&F Travel Insured. Best for medical-only coverage: GeoBlue ...

  19. Marvin reviews Makesure Travel Insurance

    Its Single Trip Travel Insurance offers a cover limits of £5,000 when cancelling before travel, and £2,000 for personal possessions and baggage which are damaged, lost or stolen. Meanwhile, the medical excess is set at £150. Overall, Makesure's Single Trip Travel Insurance is an average policy in terms of coverage and pricing.

  20. The Best Travel Insurance Companies of 2021

    John Hancock is a highly rated travel travel insurance company, best for solo or couples' travel. It's medical emergency coverage is best for low-risk, touring trips for one or two people. Compare rates. 4.2 Reviews Score Score is based on company's customer experience, financial stability, and coverage options.

  21. Reviews of the Top 10 Best Travel Insurance Companies

    Our Top 10 Travel Insurance Providers. TRAVELEX. Best: Overall, and for families with kids. Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996.

  22. Best Travel Medical Insurance Of 2024

    The Best Travel Medical Insurance for Visitors to the U.S. Atlas America - Best Overall. Patriot America Lite - Best for Cost. Patriot America Plus - Great for Trip Interruption Insurance ...

  23. Makesure

    Makesure Travel Insurance respect your privacy and will only share the personal information you have given us with other organisations for administration purposes and to deal with any claims on your policy. ... Makesure Insurance Services Limited is a company registered in England and Wales with company number 5072999, registered address Delmon ...

  24. Comprehensive Review of ITravelInsured Travel Insurance

    iTravelInsured Travel LX: $1,270.92. Quotes for this trip cost between 3.4% and 6.4%, within and below the average cost of travel insurance. A 65-year-old couple looking to escape New Jersey for ...

  25. Best Travel Insurance for Seniors of June 2024

    Best Senior Travel Insurance Companies. Best overall: Allianz Travel Insurance. Best for expensive trips: John Hancock Travel Insurance. Best for older travelers: TravelSafe Insurance. Best for ...

  26. Faye Travel Insurance Review 2024

    Faye Customer Service and Support. Although Faye is relatively new in the travel insurance industry, it's built an excellent reputation among its customers. It has an average rating of 4.7 stars ...

  27. The Single Best Insurance Policy Every Small Business Needs

    Why every small business can benefit from liability insurance. Small business owners have a lot to consider: customer needs, product development, staying ahead of competitors, maximizing marketing ...

  28. How to Get The Best Car Insurance

    2. Check customer satisfaction ratings and reviews. Not every insurer is customer-first. That's why it's important to research the customer satisfaction of insurers you're considering. You ...

  29. Your 2024 Credit Card Checklist for Summer Travel

    5. Avoid paying foreign transaction fees. If you're traveling abroad, make sure you have a card that doesn't charge foreign transaction fees. If your card does levy those fees, try to get a ...

  30. Citi Strata Premier Card Review 2024

    The Citi Strata Premier Card's travel insurance is also fairly robust: Trip delay insurance: Starts at six hours, reimburses a maximum of $500 per trip and two claims per 12-month period. Trip ...