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Travel Insurance

Get a travel insurance quote and protect your next trip

For flight insurance protection:

Aircare Flight Quote

For all-in-one trip insurance protection:

ExactCare Travel Quote

Manage Your Travel And Flight Insurance

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Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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9 Best Travel Insurance Companies of April 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• 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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What to Expect From Travel Insurance Geico Offers

Are you ready to embark on your next adventure? Before you set off, it’s crucial to consider travel insurance. But what can you expect from the travel insurance options that Geico offers? 

In this article, we’ll delve into Geico travel insurance policies, exploring their features, benefits, and customer experiences. With the travel industry constantly evolving, Geico has adapted its offerings to meet the changing needs of travelers, especially in light of recent global uncertainties.

Geico’s comprehensive coverage includes protection for medical emergencies and trip cancellations, ensuring peace of mind during your travels. Plus, with their renowned customer service, Geico aims to provide a seamless and comprehensive travel insurance experience.

Join us as we explore the specific features, benefits, and customer feedback of Geico’s travel insurance, guiding you toward an informed decision for your upcoming adventures.

Key Takeaways

• Geico’s travel insurance offerings are adapting to recent trends in the industry, such as the need for comprehensive coverage and the inclusion of medical emergencies and trip cancellations.
• Geico is utilizing technology advancements to make insurance processes more user-friendly, including digital platforms for managing policies and claims.
• Geico’s travel insurance focuses on personalized and flexible solutions, with clear communication of policy details, efficient claim processes, and customer-centric services.
• Ethical considerations, such as fair pricing and inclusivity in coverage, are essential aspects of Geico’s travel insurance offerings.

Geico Travel Insurance Coverage Options

Geico is recognized for providing comprehensive travel insurance coverage options designed to offer peace of mind during your travels. Here’s an overview of the critical coverages you can expect with Geico travel insurance:

• Financial Protection : Reimburses non-refundable travel expenses if you have to cancel or interrupt your trip due to covered reasons such as illness, injury, or severe weather conditions.
• Coverage for Unforeseen Events : Includes cancellation due to unforeseen events like a sudden medical emergency or a family emergency.
• Healthcare Costs Coverage : Covers expenses for medical treatments that you might need while traveling.
• Emergency Evacuation and Repatriation : In case of a severe medical emergency, this coverage takes care of the costs for emergency medical evacuation to the nearest appropriate medical facility and repatriation if needed.
• Compensation for Lost Baggage : Provides reimbursement for the loss of personal belongings due to theft, damage, or airline mishaps.
• Delay Reimbursement : Offers compensation for necessary expenses if your baggage is delayed, allowing you to purchase essential items like clothing and toiletries.
• Travel Delay Insurance : This covers additional accommodation and travel expenses if your trip is delayed due to covered reasons.
• 24/7 Travel Assistance Services : Access to assistance services for help with travel-related emergencies or inquiries.
• Tailored to Individual Needs : Options to customize your insurance plan based on the specifics of your trip, including destination, duration, and activities planned.
• Worldwide Support : Geico’s global network ensures that you receive support and assistance no matter where you travel.
• Trusted Provider : With Geico’s reputation, policyholders can trust the quality and reliability of their travel insurance coverage .

Geico’s travel insurance provides a comprehensive safety net, from protecting your investment in the trip to ensuring your well-being while away from home. It’s a suitable choice for travelers seeking extensive coverage and the assurance of a well-known insurance provider. Remember to review the specific terms, conditions, and exclusions of the policy to ensure it meets your travel needs.

Medical Emergency and Trip Cancellation Protection

Geico’s travel insurance is designed to offer comprehensive protection, mainly focusing on medical emergencies and trip cancellations, which are critical concerns for travelers. Here’s a closer look at these specific coverages:

• Emergency Medical Treatment : Covers the costs of unexpected medical treatment while traveling.
• Medical Evacuation Services : If you require emergency medical attention, Geico will arrange and cover the costs of transportation to the nearest suitable medical facility.
• Emergency Repatriation : In severe cases, if it’s necessary to return you to your home country for medical reasons, Geico provides and covers repatriation services.
• Reimbursement for Cancellations : Compensates for non-refundable expenses if you need to cancel your trip due to unforeseen events such as illness, injury, or other covered reasons.
• Understanding Coverage Limitations : It’s essential to review the policy details to understand what specific reasons for cancellation are covered and any applicable limitations or exclusions.
• Trip Interruption Coverage : If your trip is interrupted for a covered reason, Geico provides compensation for lost trip expenses and additional costs to return home.
• 24/7 Assistance Services : Access to assistance services for help with medical emergencies, travel arrangements, and insurance claims.
• Efficient Claims Handling : Geico emphasizes an efficient and user-friendly claim process, ensuring timely assistance and resolution of claims.
• Comprehensive Protection : With a focus on both medical emergencies and trip cancellations, travelers can have peace of mind knowing they are well-protected against common travel risks.
• Tailor to Travel Needs : Options to customize the policy based on your travel plans, destination, and specific needs.

Baggage Loss and Delay Assistance

To ensure your peace of mind, Geico’s travel insurance offers assistance for baggage loss and delay. When you travel, it’s essential to protect your belongings in case of unexpected events. Geico understands this and provides coverage to help you in such situations. Whether your baggage is lost or delayed, Geico’s travel insurance policies offer assistance to minimize the inconvenience and financial impact. Take a look at the table below to understand the benefits and coverage options for baggage loss and delay assistance provided by Geico:

With Geico’s travel insurance, you can have peace of mind knowing that you’re protected in case of baggage loss or delay. Now, let’s explore the next section about customer service for travel insurance.

24/7 Customer Service for Travel Insurance

Geico provides customer service for travel insurance by offering excellent support and assistance for their policies. Their dedicated team is available 24/7 to address any queries or concerns regarding the policy. Whether customers need help understanding coverage options, filing a claim, or seeking assistance during their trip, Geico’s customer service representatives are there to guide them.

They can provide information on medical emergency insurance, trip cancellation coverage, baggage loss and delay assistance, and other related services. Geico ensures a seamless experience for their customers throughout their travel journey, thanks to their prompt and efficient customer service. With reliable support available whenever needed, customers can feel confident in their coverage.

In the next section, we’ll explore Geico’s adventure travel insurance offerings.

Adventure Travel Insurance by Geico

Geico’s adventure travel insurance is designed to cater to the needs of thrill-seekers and extreme sports enthusiasts, providing essential coverage and peace of mind for those partaking in high-risk activities. Here’s what you need to know:

• Wide Range of Activities : Geico’s policy covers a variety of extreme sports, including skydiving, bungee jumping, rock climbing, and more.
• Accident and Injury Protection : Offers coverage for accidents or injuries that may occur during these high-risk activities.
• Annual Travel Insurance Options : Ideal for those who frequently engage in adventure sports, providing coverage for multiple trips throughout the year.
• Competitive Premiums : Geico offers rates that are designed to be affordable, ensuring that your adventurous pursuits are covered without breaking the bank.
• 24/7 Assistance : Geico provides round-the-clock assistance to help you navigate the claims process.
• Online Convenience : The ability to file claims online simplifies the process, allowing for timely and efficient handling.
• Documentation and Support : You will be guided on the necessary documentation needed to support your claim, such as medical reports.
• Efficient Processing : Geico is committed to processing claims swiftly to minimize inconvenience and stress.
• Specialized Claims Team : A dedicated team experienced in handling adventure travel-related claims ensures expert management of your case.
• Understanding Limitations and Exclusions : It’s essential to thoroughly review the policy to understand any limitations or exclusions, especially for certain high-risk activities.
• Customizable Coverage : Depending on the policy, there may be options to customize your coverage based on the specific activities you plan to undertake.
• Tailored for Adventure Seekers : Geico’s policies are specifically tailored to meet the unique challenges and risks associated with adventure sports.
• Reputation and Reliability : As a well-known insurance provider, Geico brings reliability and trustworthiness to its adventure travel insurance offerings.

Whether you’re an adrenaline junkie or an occasional adventurer, Geico’s adventure travel insurance provides the necessary coverage to ensure that you can focus on the thrill of your activities with the assurance that you’re well-protected. Always remember to engage in these activities responsibly and within the bounds of your experience and training.

Covid-19 Coverage in Geico Policies

With regard to COVID-19, Geico’s travel insurance policies offer coverage for pandemic-related situations. Geico understands the importance of having protection in uncertain times, and their policies include coverage for trip cancellations due to COVID-19, as well as medical emergency expenses related to the virus.

Geico also provides travel advisory coverage, which can help you navigate any travel restrictions or guidelines that may be in place. By offering comprehensive travel insurance, Geico aims to give travelers peace of mind, knowing that they’re protected in case of any unforeseen circumstances, including those related to COVID-19.

Pre-existing Condition Coverage

When it comes to pre-existing condition coverage, understanding the eligibility requirements, coverage limitations, and exceptions is crucial.

Geico travel insurance offers coverage for pre-existing conditions, but there may be certain conditions that are excluded or have limited coverage.

It’s important to carefully review the policy terms and conditions to determine the extent of coverage for pre-existing conditions before purchasing the insurance.

Pre-Existing Condition Eligibility

To determine your eligibility for pre-existing condition coverage under Geico’s travel insurance policies, you need to provide relevant medical information during the application process. Geico understands that pre-existing conditions can impact your travel plans and wants to ensure you have the coverage you need. Here are some key points to consider:

• Geico’s travel insurance policies may offer coverage for pre-existing conditions, but it’s essential to review the specific policy details and exclusions.
• Pre-existing condition coverage typically requires disclosing your medical history and providing documentation.
• Geico’s travel insurance reviews can provide insights into the experiences of other travelers with pre-existing conditions and how Geico handled their claims.
• It’s crucial to understand the policy exclusions related to pre-existing conditions, as they may vary depending on the policy and individual circumstances.
• Consulting with Geico’s customer service representatives can help clarify any questions or concerns you may have regarding pre-existing condition coverage.

Remember to carefully review the policy terms and conditions to ensure you have the appropriate coverage for your specific needs.

Business Trip Insurance by Geico

If you’re planning a business trip, Geico offers comprehensive insurance coverage to protect you and your business from unforeseen circumstances.

With Geico’s business trip insurance, you can have peace of mind knowing that you’re covered in case of trip cancellations, medical emergencies, and baggage loss or delay.

Here are some key features of Geico’s business trip insurance:

• Coverage for trip cancellations: Geico provides reimbursement for non-refundable expenses if your business trip gets canceled due to covered reasons.
• Medical emergency insurance: Geico offers coverage for medical expenses incurred during your business trip, including hospital stays, doctor visits, and emergency medical evacuations.
• Baggage loss and delay coverage: If your baggage is lost or delayed during your business trip, Geico will provide reimbursement for necessary items and expenses.
• Online claim filing with Geico: Geico makes it easy to file claims online, ensuring a hassle-free claims process.
• Travel insurance comparison: Geico’s business trip insurance can be compared with other travel insurance options to ensure you’re getting the best coverage for your needs.

Insurance companies offer a variety of products to meet diverse needs, including auto insurance policies and travel insurance. These products come with different types of coverage, such as liability coverage and additional coverage options, to cater to specific requirements. Understanding the policy contract is crucial for policyholders, as it details the terms of the contract of insurance.

Companies like GEICO Insurance Agency and Berkshire Hathaway offer specialized products like mechanical breakdown insurance and travel protection plans, addressing needs ranging from trip cancellations to vehicle repairs. Insurance representatives play a crucial role in helping customers navigate these options and select the type of coverage that best suits their circumstances.

Cruise Insurance Options

When it comes to cruise insurance options offered by Geico, you can expect coverage for cruise itineraries and protection against trip disruptions.

Geico’s cruise insurance can provide reimbursement for expenses incurred due to trip cancellations, delays, or interruptions, as well as coverage for medical emergencies that may arise during the cruise.

With Geico’s cruise insurance options, you can have peace of mind knowing that you’re financially protected in case of unforeseen circumstances during your cruise vacation.

Coverage for Cruise Itineraries

When considering Geico’s travel insurance options, you can expect comprehensive coverage for your cruise itinerary. Geico understands the unique risks and challenges that come with cruising, and its policies are designed to provide you with peace of mind throughout your trip.

Here are some key features of Geico’s cruise insurance options:

• Multi-trip insurance: Geico offers policies that cover multiple cruises within a specified period, making it convenient and cost-effective for frequent cruisers.
• Global travel protection: Geico’s coverage extends beyond the United States, ensuring that you’re protected wherever your cruise takes you.
• Rental car insurance options: If you plan to rent a car before or after your cruise, Geico offers rental car insurance options to ensure that you’re covered in case of accidents or damages.

With Geico’s cruise insurance, you can enjoy your vacation knowing that you’re protected against unexpected events that may disrupt your itinerary.

Online Booking and Claims Process With Geico

You can easily book and file claims for Geico travel insurance online. Geico offers a streamlined and user-friendly online platform for managing your travel insurance policy.

Here’s what you can expect from the online booking and claims process with Geico:

• Convenient online booking: Geico allows you to purchase travel insurance policies online, saving you time and effort.
• Policy renewal with Geico: You can easily renew your travel insurance policy online, ensuring continuous coverage for your future trips.
• Smooth claims filing : Geico provides a seamless online claims filing process, allowing you to submit your claims quickly and efficiently.
• Timely claim resolution: Geico aims to process and resolve claims promptly, ensuring a hassle-free experience for their customers.
• Positive customer feedback: Many Geico travel insurance customers have praised the ease and efficiency of the online booking and claims process.

With Geico’s online platform, you can conveniently manage your travel insurance policy and file claims with ease.

Frequently Asked Questions

What are the specific coverage options offered by geico travel insurance.

Geico travel insurance offers specific coverage options such as trip cancellation, medical emergency insurance, baggage loss and delay, and 24/7 assistance services. You can expect comprehensive and adaptable coverage to protect you during your travels.

How Does Geico Provide Assistance for Medical Emergencies and Trip Cancellations?

Geico assists with medical emergencies and trip cancellations by offering comprehensive coverage options. They have a 24/7 customer service team ready to assist you, ensuring that you’re taken care of in times of need.

What Type of Support Does Geico Offer for Baggage Loss and Delay?

Geico offers support for baggage loss and delay, providing reimbursement for the expenses incurred due to these incidents. They have a dedicated customer service team available to assist you in filing a claim and guiding you through the process.

How Does Geico Ensure 24/7 Customer Service for Their Travel Insurance Policies?

Geico ensures 24/7 customer service for their travel insurance policies by having a dedicated support team available round-the-clock. They prioritize prompt response times and aim to address any concerns or issues you may have regarding your policy or claims.

Does Geico Offer Adventure Travel Insurance, and What Does It Cover?

Geico offers adventure travel insurance that covers activities like hiking, skiing, and scuba diving. It protects against trip cancellations, medical emergencies, baggage loss, and more. Make sure to review the policy details for specific coverage.

In conclusion, Geico’s travel insurance options offer comprehensive coverage and exceptional customer service.

With features such as medical emergency and trip cancellation protection, baggage loss and delay assistance, and 24/7 customer support, Geico aims to provide a seamless and comprehensive travel insurance experience.

Whether you’re going on an adventure trip, a business trip, or a cruise, Geico has tailored coverage options to meet your needs.

Their user-friendly online booking and claims process further enhances the convenience of their travel insurance offerings.

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Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

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Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

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At a glance

BEST AUTO INSURANCE COMPANY OVERALL (TIE), BEST BUDGET AUTO INSURANCE COMPANY (TIE), AND BEST CAR INSURANCE COMPANY FOR YOUNG DRIVERS

Score breakdown

Cost & ratings

About Bankrate Score

Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice.

• Company overview
• Average rates from Geico
• Company details

Who Geico may be good for:  Geico is known for having policy options that work well for preferred and high-risk drivers. With nationwide availability and plentiful discounts, Geico may be a good choice for budget-conscious policyholders seeking standard policy coverage. 

Who Geico may not be good for:  Geico underwrites its auto policies, but it partners with other insurance companies for its home products, meaning Geico does not do the service or claim handling of these policies. Customers needing a one-stop service for all of their insurance needs may want to consider other options.

Avg. annual premium for full coverage

Avg. annual premium for min coverage

• Customer service:  1-800-207-7847
• Chat/email:   Geico.com  allows customer to connect to agents and make policy changes
• Claims:  Claims can be filed and managed online through Geico’s website or mobile app, or by calling its toll-free claim number at 1-800-841-3000. For a comprehensive list of claims numbers, please visit the company's claims reporting page.
• Emergency roadside assistance:  This can be done online through Geico’s website or mobile app or by calling 1-800-424-3426.
• Mailing address:  Each region and insurance type has a different address, follow this  link  for specific contact information.
• State availability:  Geico is available in  all 50 states  and Washington, D.C.

In August 2022, Geico closed all 38 Geico Field Representative (GFR) offices in California. Californians can still acquire coverage via the Geico mobile app or online.

• Geico car insurance

Geico auto insurance received a Bankrate Score of 4.4 out of 5 points. To determine this Score, our insurance editorial team reviewed Geico’s average premiums, coverage options, discounts, customer satisfaction, financial strength and digital insurance features. The better a company performed in each of these categories, the higher its overall Bankrate Score.

Along with its high Bankrate Score, Geico was also named one of this year's best car insurance companies overall, as well as the Best Budget Auto Insurance Company in the 2024 Bankrate Awards and the Best Auto Insurance Company for Young Drivers. Thanks in part to its overall lower-than-average premiums and plentiful discount opportunities, Geico may be a good choice for drivers looking for a cheap premium. Average Geico car insurance rates are also significantly cheaper than the national average when adding a young driver to the policy. Plus, Geico offers a wealth of discounts specifically for younger or newer drivers, such as a good student and driver training discount.

Geico car insurance is available in all 50 states and Washington, D.C. Its coverage options are generally standard and it does not have as many optional add-ons as some other car insurance carriers . The only additional options listed on Geico's website are emergency roadside service, rental reimbursement and mechanical breakdown insurance.

Why Geico won

Geico offers below-average auto insurance rates as well as a solid mix of coverage options, discounts and digital tools. These factors, combined with customer satisfaction and financial strength scores, earned Geico Bankrate Awards for Best Auto Insurance Company Overall (tied) and Best Budget Auto Insurance Company (tied). Geico offers competitive rates for newer drivers and a plethora of discounts geared toward younger drivers.

How we rated it

Bankrate’s insurance editorial team has decades of combined industry experience, and we use our expertise to uncover the best insurance companies through our annual Bankrate Awards. Our goal is to give consumers an easy way to find a company that fits their unique circumstances. Based on our extensive research, we’ve recognized Geico as a 2024 Bankrate Award winner for the Best Auto Insurance Company Overall, Best Budget Auto Insurance Company and Best Company for Young Drivers.

• Pros and cons
• Car insurance cost

Geico car insurance discounts

Pros and cons of geico car insurance.

If you’re comparing auto insurance rates, considering Geico’s pros and cons might help you in your decision.

Average rates are lower than the national average

Average rates for drivers with an at-fault accident or moving violation on their record may be more affordable than competitors

Robust digital tools for online policy management

May have limited local agencies for those who want in-person support

Fewer optional coverage add-ons than competitors

Mobile app is highly-rated in the app store, but the company scored below the segment average for shopping in the J.D. Power U.S. Insurance Digital Experience Study

Geico car insurance cost

Based on Bankrate’s study of rate data from Quadrant Information Services, Geico is one of the cheapest car insurance companies . Its April 2024 average cost of car insurance is $1,741 per year for full coverage and $459 per year for minimum coverage. This is notably lower than the 2024 national average cost of car insurance at $2,314 per year for full coverage.

Geico car insurance rates by driving history

Car insurance companies may weigh driving records heavily when it comes to calculating car insurance rates . An at-fault accident or moving conviction, such as a speeding ticket or DUI, could make your car insurance more expensive compared to a driver with no accidents or tickets on their record. Below is a comparison of rates for drivers with different driving histories. A DUI conviction has been excluded as some insurance carriers may not accept drivers with a DUI.

Geico car insurance quotes by age

The age of a driver and the years of driving experience they’ve accumulated may also play an important role in determining car insurance rates. Young drivers and those who are newly licensed typically pay more for car insurance than drivers with more years of experience behind the wheel. Average insurance rates by age show that auto insurance premiums do tend to decrease over time until your 60s, but you may be able to find the best car insurance rate at any age by compiling car insurance quotes.

Below are comparisons that show young drivers both on and off their parents' policy, as well as how they compare to other age groups. All rates are for drivers with a clean driving record.

Average cost of car insurance for drivers on their parents’ policy

Average cost of car insurance for drivers on their own policy 

Geico policyholders have access to numerous potential discounts that may help them save on car insurance . Some discounts include :

Get personalized auto insurance quotes

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• Geico home insurance

Geico does not write its own home insurance policies , but it works with non-affiliated insurance companies to provide homeowners insurance quotes to interested customers nationwide. The policies are secured through GEICO Insurance Agency, LLC, and may require additional research to see if they offer the best homeowners insurance for your needs. Although coverage options and discounts may vary based on the partner company, Geico does advertise a bundling discount for auto insurance customers who add a property insurance policy through the carrier.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Geico

Leaving so soon? Your custom quotes are just minutes away.

• Geico life insurance

Similar to its home insurance policies, Geico life insurance is offered through partner companies.

Geico's partnered life insurance offerings are available in three policy types: term life, whole life and universal life insurance. Term life insurance provides coverage for a specific amount of time, such as 10 or 30 years, and is typically used to replace lost income and cover future expenses if the policyholder passes away during the policy term. Customers shopping for the best life insurance company may be able to obtain a term life insurance policy through Geico's partner companies with no medical exam, but they will likely still have to fill out a health and lifestyle questionnaire.

Whole life insurance and universal life insurance are both types of permanent life insurance . These policies do not have a policy end date as long as policy terms are fulfilled. In addition to helping with income, permanent life insurance policies could also be an integral part of estate planning.

Compare life insurance providers quickly and easily

See which provider is right for you.

Whole life insurance combines life insurance with an investment component.

• Coverage for life
• Tax-deferred savings benefit if premiums are paid
• 3 variations of permanent insurance: whole life, universal life and variable life include investment component

Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.

• Fixed premium over term
• No savings benefits
• Outliving policy or policy cancellation results in no money back

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• Compare Geico with other insurers

If you’re still wondering if Geico could be a good fit for your insurance needs, you may want to consider requesting quotes from the companies below:

• Is Geico a good insurance company?

Bankrate’s insurance editorial staff includes licensed agents and we aim to share our intimate industry knowledge to help our readers choose the best insurance company that suits their needs. Insurance is complex and we know that finding the right carrier isn’t always easy. That’s why we spend hundreds of hours each year conducting in-depth insurance company reviews.

Bankrate’s Geico insurance review revealed that the company does not underwrite many insurance products other than car insurance. However, its partnerships with non-affiliated companies allow customers to purchase most types of insurance, including affordable home insurance , umbrella and life insurance. If you are considering purchasing a Geico policy other than auto insurance, additional research on that particular company may be required to see if it’s the right fit.

Geico customer satisfaction

Bankrate analyzes a variety of metrics to evaluate an insurance company’s customer satisfaction, including third-party scores issued by J.D. Power. Every year, J.D. Power studies customer satisfaction, claims satisfaction and digital experience for various insurance companies across the country and issues them scores in each subject, with 1,000 being the highest score possible.

Since Geico partners with non-affiliated insurance companies for its home and life insurance products, you would want to search for rankings under the individual carrier name. For example, if you purchase a Liberty Mutual homeowners insurance policy through Geico, you would want to research claims and customer satisfaction rankings for Liberty Mutual.

However, Geico's full-service mobile app and online customer portals may be a big perk for tech-savvy shoppers. While the app is highly-rated on the App Store and Google Play , the company fell under the segment average in the service category of the J.D. Power 2023 U.S. Insurance Digital Experience Study. Consumers may be more satisfied with Geico's online sales flow as the company scored above average in the shopping category.

• Geico auto claims satisfaction

Geico's scores in the 2023 J.D. Power U.S. Auto Insurance Study vary depending on the region. Of the 11 regions, Geico scored above the industry average in five of them: California, Florida, New York, North Central and New England, where it had the highest ranking. It also ranked first for usage-based insurance. In the 2023 J.D. Power U.S. Auto Claims Satisfaction Study, Geico landed just above the industry average for claims satisfaction.

Geico customer complaints

Our editorial team also considers the National Association of Insurance Commissioners (NAIC) complaint index. The NAIC keeps track of how many complaints are lodged against an insurance company and translates this data into a complaint index score. To understand this data, know the baseline (or average) amount of customer complaints is 1.0. A complaint index score higher than 1.0 means the company receives more complaints on average for its size, and vice versa.

Geico auto complaints

Geico has fewer complaints on average for its private passenger auto insurance for a company of its size. This index may indicate that Geico's auto insurance policyholders are generally happy with the company's service.

Other Geico tools and benefits

Auto insurance may be Geico’s most popular product, but customers can also access the following:

• Travel insurance : Offered through Berkshire Hathaway Travel Protection, this insurance could help insure your travel costs including trip cancellations, lost or stolen travel documents or unplanned medical costs.
• Jewelry insurance : Geico has partnered with Jewelers Mutual Insurance Group to help customers insure valuable and sentimental jewelry against theft, damage and loss.
• Pet insurance : Caring for a pet can be a major expense, but pet insurance may help decrease some of the costs. Geico works with partner insurance carriers to provide coverage for most accidents, non-pre existing illnesses, dental care and more.
• Frequently asked questions about Geico

Is Geico a sustainable company?

Geico supports three main initiatives through the Geico Philanthropic Foundation : education, community engagement and equity, justice, diversity and inclusion. The Foundation has donated an average of $6–8 million annually to over 7,000 charities in the last 20 years. It encourages policyholders and the wider public to submit their 501(c)(3) non-profit organizations for donation consideration, provided that the non-profit meets Geico’s criteria. Nominations can be made from the start of the year to November 30.

How do you file a claim with Geico?

Filing a claim with Geico can be done online through its website or the mobile app. Policyholders may also call the company's claims line at 800-841-3000.

As Geico homeowners insurance is offered through partner companies, contact information for property claims may vary based on the company that writes your policy. A comprehensive list of property claims contact numbers can be found on Geico's website .

How is Geico able to offer cheap car insurance?

Geico is known as a direct-to-consumer insurance provider. Since policyholders can buy insurance online, over the phone or via the mobile app, Geico doesn't have to pay for brokers to sell and service their insurance. These savings are passed down to its customers.

What insurance products does Geico offer?

Geico has over 20 insurance products to help policyholders protect their future finances. Policies range from umbrella coverage, watercraft and business insurance to commercial and medical malpractice insurance. Aside from auto policies, most other products Geico sells are underwritten by non-affiliated insurance companies. These companies set the rate and provide service and claim assistance — Geico only sells the product.

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

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• Support 20%

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Best Annual Travel Insurance in 2024

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

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

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

Factors we considered when picking travel insurance companies

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

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

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

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

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

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

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

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

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

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

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

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

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

2. Seven Corners

What makes Seven Corners great:

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

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

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

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

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

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

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

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

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

What does travel insurance cover?

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

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

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

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

Many credit cards come with complimentary travel insurance .

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

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

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

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

1x-5x 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.

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

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

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Geico RV Insurance

In our review of Geico RV insurance, we score their services a 9.0 out of 10.0 for their great reputation, high coverage limits, and add-on options.

Key Takeaways:

• Overall, Geico ranks 3rd out of the RV insurance companies we have reviewed.
• Geico can cover a variety of RVs including fifth wheels, travel trailers and motorhomes.
• Extra options from Geico include personal effects coverage, vacation liability, emergency expensive coverage and total loss replacement.

Geico RV insurance is one of the many products offered by the nation’s second-largest insurer. We at the Guides Auto Team took an independent look at the company’s camper insurance offerings to see if they meet the same standards as Geico’s other insurance products.

As part of our industry-wide study, we checked to see how Geico compares to the country’s  best RV insurance companies . Our experts took a look at Geico’s industry reputation, coverage plans, availability, typical costs and reputation among customers. Below, we’ll reveal our findings on the quality of Geico RV insurance.

Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

Geico RV Insurance Review

We give Geico RV insurance 9.0 out of 10.0 stars, ranking it among the market’s top providers. While Geico scored reasonably well in each category of our review, it excelled most in its customer service reputation and standing within the insurance industry.

Geico RV Insurance Pros and Cons

Geico rv insurance ratings.

Below you can see how Geico scored in all five of our rating categories:

* Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

What Makes Geico RV Insurance Stand Out?

While there’s a lot to like about Geico RV insurance, the provider stood out to our review team for a few particular reasons:

• Specialty coverage options : Geico doesn’t offer the biggest selection of additional coverage options for RVs, but the ones it does have are among the most useful for both full-time and part-time owners.
• Total loss replacement : Most RVs depreciate rapidly, so not all insurers offer total loss replacement in addition to an actual cash value policy. Geico does offer replacement coverage, which may be attractive for people who want to protect their investment.

Geico RV Insurance Cost

While we didn’t find specifics about the typical rate for Geico RV insurance online, the company overall is considered affordable in most markets. That doesn’t guarantee that you’ll find cheap RV insurance rates , but it does mean that it’s worth getting a free quote to find out.

According to our research, the average cost of RV insurance across the nation is around $1,500 per year. Treat this figure as a general reference point, though, as there’s a huge range of what RV premiums could cost you. Coverage for a small travel trailer may cost a few hundred dollars per year, while insurance for a luxury motorhome could cost several thousand annually.

What Factors Affect RV Insurance Costs?

Insurers use several different variables to determine how much to charge for RV coverage. Each company uses varying factors and weighs each one differently, but the following are typically the most impactful:

• RV value : The cost of your RV can be a major factor in setting your insurance rates.
• Driving record : Since you’ll need to take your RV on the road at some point, your driving history has a major impact on your premiums.
• Credit score : Insurers in most states are legally able to use your credit score as a determining factor in your premiums. As you may expect, drivers with low credit scores tend to pay higher rates for RV coverage.
• Coverage limits : The kinds of coverage that you include in your RV insurance policy and the coverage limits you set will greatly affect the cost of camper insurance.
• Location : Similar to auto insurance, companies adjust rates based on aspects of your location such as state insurance requirements and local risk factors.
• Level of usage : Full-time RVers usually pay more for coverage than part-timers who only use their campers for leisure.
• RV driving experience : Towing or driving an RV is significantly more difficult than driving a car on its own. Many insurers adjust insurance rates based on previous experience with piloting an RV.

Geico RV Insurance Discounts

While Geico doesn’t list specific discounts on its website, the company encourages RVers to ask their insurance agents about potential ways to save. Make sure to mention if you have a commercial driver’s license (CDL), have taken a defensive driving course or plan to bundle homeowners, renters or car insurance with your RV coverage.

Geico RV Insurance Coverage

Geico RV insurance works similarly to auto insurance in multiple ways. As long as you meet your state’s minimum coverage requirements, you can build a policy that fits your needs and budget by using both standard insurance types and specialty add-ons.

Standard RV Insurance Coverage Types

The standard coverages offered for Geico RV insurance are nearly identical to the ones you’d find for auto insurance. They include the plans mentioned below.

• Bodily injury liability coverage : Covers medical bills and lost wages for other parties involved in an accident you’re found at fault for
• Property damage liability coverage : Covers the cost of damages to other vehicles and property harmed by an accident that you caused
• Personal injury protection (PIP) : Covers medical expenses and lost wages for you and your party, regardless of who’s at fault for an accident
• Medical payments coverage (MedPay) : Covers medical bills but not lost wages for you and your party no matter who caused an accident
• Uninsured motorist coverage/underinsured motorist : Covers you and your party’s damages and medical expenses if an at-fault driver can’t pay for the costs incurred
• Collision coverage : Covers damages to your vehicle following an accident, no matter who caused it
• Comprehensive coverage : Covers physical issues with your camper caused by fire, theft, flooding and other sources of damage separate from accidents

Geico RV Coverage Add-Ons

Like most insurers, Geico offers specialty policy add-ons that can cover other aspects of using, moving and storing your RV. The company lists the following coverage options on its website: 

• Total loss replacement : Covers the replacement cost of your RV and not just its actual cash value in the event of a total loss.
• Special windshield deductible : Covers repairs to your camper’s windshield along with all replacement costs apart from a $50 deductible.
• Replacement cost personal effects : Covers the replacement of damaged or stolen personal property on your RV. Either $1,000 or $5,000 comes standard if you carry comprehensive and collision coverage, though the exact amount varies by state.
• Vacation liability : Pays for damages to others’ property and for injuries caused by your RV when it’s docked. These liability claims are typically not covered by your standard liability policy because your RV is not on the road.
• Emergency expense coverage : Takes care of food, lodging and other travel costs if your RV breaks down and can’t move for a long period of time. If you’ve got comprehensive and collision coverage from Geico, you’ll be covered for up to $1,000.

As with discounts, your local Geico insurance agent may know about more coverage options than what’s listed on the company’s website.

The insurer quickly mentions “enhanced RV coverage” on Geico.com, though it makes no mention of what’s included. Note that this expanded plan for Geico RV insurance isn’t available in Hawaii, Massachusetts, Michigan or North Carolina.

RV Types Covered by Geico

The Geico RV insurance webpage notes that the company covers both towable RVs and motorhomes of most model years. The few model types not covered by Geico RV insurance include bus conversions and campers worth more than $500,000.

What Is a Towable RV?

Towable RVs require a separate vehicle to pull them from one site to another. Geico mentions protecting several types of towables on its website:

• Conventional travel trailers : The most common type of RV, these campers have the widest range of all categories in terms of features, amenities and price points.
• Fifth-wheel travel trailers : These campers get their name from the unique trailer hitch required to tow them. They’re among the largest and best appointed RVs on the road.
• Folding camper trailers : Also known as pop-up campers, these towables pop up to reveal a full-size RV after packing down vertically for easier towing.
• Truck campers : Not technically towables, this type of camper attaches to the bed of a pickup truck, essentially converting the truck into an RV.
• Toy haulers : These are RV models that come with a garage so that they can haul equipment such as all-terrain vehicles (ATVs), kayaks and motorcycles.

Geico may also offer coverage for teardrop travel trailers, though this isn’t listed on the site. Check with a Geico agent if you’re unsure of whether your camper is eligible for coverage.

What Is an RV Motorhome?

Geico also mentions that it covers motorhomes, which are referred to as self-propelled RVs. These drivable campers come in three main categories:

• Class A motorhome : Typically the largest and most luxurious drivable RV available, these motorhomes are the most likely to exceed Geico’s coverage limits.
• Class B motorhome : Class B motorhomes are sometimes referred to as camper vans because they are usually built atop a cargo van chassis.
• Class C motorhome : Larger than Class B models but smaller than Class A campers, these motorhomes offer a nice balance of accommodations and maneuverability.

Geico Customer Reviews

There are few customer reviews for Geico RV insurance online, which is pretty standard across the industry. However, reviews for the company at large can provide some insight into how it handles its customers.

Our team read through Geico insurance reviews on sites such as the BBB and Trustpilot to see what customers were saying about the company. We noticed a few patterns in both negative and positive Geico reviews.

Policyholders with positive opinions often mentioned the quality of service they got from insurance agents, who many said went above and beyond to be helpful. On the other hand, people who reported negative experiences regularly brought up communication difficulties.

Our team reached out to Geico for comment on these reviews but has yet to receive a response.

Do You Need RV Insurance?

You’ll need RV insurance that covers at least the state minimum requirements if you have a motorhome, because it’s technically a vehicle. In most cases, you’re not legally required to have insurance for towable RVs.

Whichever kind of RV you own, however, it’s probably a good idea to insure it. On top of being expensive, RVs combine the risks of both cars and homes. That means the chances of something happening to them are relatively high.

Possible Sources of RV Damage

Insurance can protect you financially from some of the risks faced by RV owners. These potential issues include:

• Traffic accidents : Car wrecks are one of the most common sources of loss for RV owners.
• Leaky roof or windows : It’s normal for the seals around windows and roof panels to come loose over time in an RV. When that happens, water can easily get inside and damage the interior.
• Theft : While RV theft is not commonly reported, it still happens from time to time.
• Tree branches : Branches and entire trees can be risky for RVs, especially if you spend a lot of time in forested areas.
• Weather : Ice storms, tornadoes, floods and other extreme weather events can damage campers even when they’re in storage.
• Fire : Camper fires are one of the most common sources of damage to RVs in the country, as many feature plenty of electrical wiring and appliances like cooktops.

RV Traffic Accident Statistics

Traffic crashes are very common in the U.S., posing a real risk to RV owners as well as to those who drive standard vehicles. Even the most skilled drivers have to share the road with those who may be inexperienced, distracted or otherwise more likely to get into accidents.

Even towable campers spend time on the road, which is one reason why experts recommend coverage for all RVs. That way, your RV will stay safe as it navigates past potential dangers.

RV Fire Statistics

Fires in motorhomes and trailers are more common than owners may assume. The Federal Emergency Management Agency (FEMA) reported that between 2018 and 2020, there were an average of 4,200 RV fires reported to emergency services each year. These incidents resulted in around 125 injuries and 15 deaths annually.

RV fires also caused massive amounts of property damage during that time. Each fire caused an average of $15,350 in damage per incident, leading to a total of over $60 million in property damages each year.

Geico Insurance For RV: Conclusion

After examining the company, our team believes Geico RV insurance is a solid option for coverage, especially for those who place a high value on customer service. The provider also has enough specialty coverage options and discounts to build a policy that fits your needs at affordable rates.

Geico RV Insurance: Recommended Alternatives

While we at the Guides Auto Team recommend Geico RV insurance, we’d encourage you to get quotes from other companies as well. Asking for RV insurance quotes from multiple providers allows you to compare your options to see which ones have the best rates for you.

State Farm: Best for Local Service

People who value in-person service will definitely want to take a look at State Farm, the nation’s largest insurer. With a network of over 19,000 local representatives, you’ll rarely find yourself far from one of the company’s insurance agencies. State Farm also offers 24/7 roadside assistance through its mobile app to support RVers in the event of unexpected issues.

Keep reading: State Farm RV insurance review

Progressive: Editor’s Choice

Progressive earned the highest score and took home the Editor’s Choice award in our industry-wide RV insurance study. The company scored well in every category, offering one of the best combinations of coverage and potential discounts that we found. This means that most RVers can get the coverage they’re looking for at competitive rates.

Keep reading: Progressive RV insurance review

Geico RV Insurance: FAQ

Below are some frequently asked questions about Geico RV insurance plans:

Is Geico RV Insurance Legit?

Geico’s RV insurance division has a great reputation in the industry and with customers, which is a main reason why they ranked third out of the providers we’ve studies.

What does RV insurance typically cost?

While we found the average cost of RV insurance to be around $1,500 per year, this can be a little misleading. RV insurance premiums can range from just a few hundred dollars to several thousand dollars depending on many variables.

Does Geico cover water damage in an RV?

If you have comprehensive coverage on your policy, Geico will cover water damage to your RV. Comprehensive policies cover a wide range of nonaccident issues.

What does RV insurance cover?

If you have a motorized RV, your insurance should at least cover state minimum requirements. Towables do not require insurance in most instances. Beyond that, what your RV insurance covers is almost entirely up to you and how you build your policy.

What insurance should I have on my RV?

Most experts recommend getting full coverage insurance on your RV. These policies include collision and comprehensive coverage in addition to personal liability insurance and medical coverage.

How We Rated Geico RV Insurance

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best RV insurance companies. We collected data on dozens of camper insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, and the insurers that scored the most points top our list.

Here are the factors our ratings take into account:

• Reputation : Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability : Recreational vehicle insurance companies with greater state-by-state availability and few eligibility requirements scored highest in this category.
• Coverage : RVers can benefit from a wide variety of specialized coverage options. We evaluated companies based on the amount and diversity of coverage add-ons they offer for camper insurance.
• Cost : As RV insurance costs are highly variable, our research team mainly considered the availability of policy discounts.
• Customer Experience : Our research team took into account companies’ industry reputations with organizations such as the Better Business Bureau (BBB) as well as the ease and availability of in-person, over-the-phone and online services.

*Data accurate at time of publication.

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