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Medical Evacuation and Repatriation: How Travel Insurance and Assistance Services Can Help

You never quite know when a medical emergency will arise during international travel, especially to high-risk destinations where illness and injury are more likely. You could ingest an intestinal parasite, contract a virus, or simply slip and fall.

Are you ready to foot the bill for a $100,000 emergency medical evacuation on your next trip? 40% of Americans can’t cover a $400 emergency expense , so chances are an emergency medical evacuation might hit your wallet harder than you’d like.

Luckily, you can get travel insurance and assistance services that can bring you out of harm’s way and to the nearest suitable medical facility if you encounter an emergency illness or injury during your trip.

Keep reading to learn more about medical evacuation (also known as medevac or medivac) and repatriation, why you should consider getting insurance that covers those events when you’re traveling, and how travel protection from Generali Global Assistance can help if you encounter such an emergency.

If you run into difficulties during your trip, travel assistance services are included in all Generali Global Assistance travel protection plans and available 24/7/365. For emergency assistance during your trip, call (877) 243-4135 in the U.S. or (240) 330-1529 collect worldwide.

See our COVID-19 Travel Insurance Guide  with details about repatriation and evacuation.

What is Emergency Assistance and Transportation Coverage?

If you become critically sick or injured during your trip and no suitable local care is available, the Emergency Assistance and Transportation benefit provides coverage for you to be taken to the nearest medical facility that’s equipped to take care you. 

What is repatriation?

Repatriation covers the costs of being transported home if deemed medically necessary after a medical emergency has been stabilized, or returning remains back to the U.S. if a covered traveler has died on their trip.

Medical repatriation: If someone is injured or becomes ill on their trip, medical repatriation will return them home or to the U.S. before or after they have been treated, depending on the situation. This includes medical transport if necessary.

Repatriation of remains: If the worst happens and a covered traveler dies on a trip outside of the U.S., this service will transport the remains back home.

Who needs Emergency Assistance and Transportation?

You never know if an emergency will render you unable to take yourself to the nearest medical facility that can treat you. Fortunately, Emergency Assistance and Transportation coverage can cover the expense of transporting you to a nearby facility for medical treatment. If you are traveling abroad, to a remote location, or cruising, or any other destination that would require evacuation via helicopter in the event of a medical emergency, make sure your travel protection plan includes Emergency Assistance and Transportation coverage and services.

International travelers should know even if you have a health insurance plan, primary medical insurance may not cover treatment outside of the United States. Leaving home without coverage could expose you to risk and cost you a bundle. For example, Medicare does not provide coverage outside of the country. Research your destination before you travel and find out if travel operators require a minimum amount of medical coverage to board. 

How much coverage do I need?

Travel insurance with coverage for medical evacuation can help keep travelers from getting stuck with huge costs if seriously injured or sickened on a trip. According to the Centers for Disease Control and Prevention (CDC), medical evacuation by air ambulance can cost more than $100,000 and if you are traveling internationally or in a remote area the cost can be even greater. The CDC specifically highlights the high cost of medical evacuation from a cruise ship.

Generali Global Assistance travel protection plans include Emergency Assistance and Transportation coverage limits from $250,000 per person to $1 million per person, depending on the plan you choose.

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Generali’s Emergency Assistance and Transportation Coverage

Our Standard, Preferred and Premium travel insurance Plans all contain varying levels of coverage for emergency medical evacuation, hospitalization and repatriation.

24/7/365 Emergency Assistance Service s are included with your purchase. In addition to emergency assistance, our plans include Emergency Assistance and Transportation coverage that can provide an air ambulance, commercial flight, or a transportation vehicle in the event of a medical emergency so you arrive at the nearest available facility in a timely manner. 

If you’re traveling alone and hospitalized for more than seven days, coverage is included to fly one person of your choosing to accompany you. The plan also provides coverage for their lodging, meals, local transportation and telephone calls during this time (up to $10,000).

Medical repatriation: Once a medical evacuation happens, we monitor the situation and when you are well enough to travel, we use our network of resources to help you get home safely. For non-emergency situations, the plan provides coverage for medically necessary transportation to your place of residence or to an alternative U.S. city where you’ll have access to the care you need.

Repatriation of remains: Our plans provide coverage for the preparation and return of your remains to a funeral home in the U.S. or the option for a local burial if you die outside of the U.S. 

Emergency Assistance and Transportation Coverage for Pre-existing Conditions

Travelers looking for Emergency Assistance and Transportation coverage for pre-existing medical conditions should purchase our Premium Plan prior to or within 24 hours of final payment for their trip, must be medically able to travel at the time of purchase and must insure all prepaid trip costs that are subject to cancellation penalties or restrictions to be eligible for coverage.

Also read:  5 Things Most People Get Wrong about Travel Insurance with Pre-Existing Conditions

Additional Travel Protection Features

When it comes to traveling smarter, planning ahead is key, especially if you’re going abroad. Medical and Dental coverage is a major reason why travelers get travel insurance , and combined with Trip Cancellation, Trip Interruption , and other valuable coverages, our plans let you rest easily with more peace of mind while away from home.

In addition to Emergency Assistance and Transportation, our plans offer a variety of other coverages and services - like a service that aids in the replacement of medication and eyeglasses on your trip - that traditional medical insurance plans usually don’t. For less severe medical attention, our plans include a Telemedicine Service, which instantly connects travelers with a network of physicians for information, advice, and treatment, and even prescriptions when appropriate.

The U.S. Department of State advises that international travelers buy travel insurance with Medical Coverage to help cover the cost of medical care when traveling internationally. To help protect you against unexpected medical fees you may incur, our plans include Medical and Dental coverage. 

If you have any other questions about medical evacuation and repatriation or how a Generali travel protection plan can help during a medical emergency, you can speak to one of our representatives . We wish you safe travels!

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What Does Travel Insurance Cover?

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Table of Contents

What is covered by travel insurance

Extras you can add to a travel insurance policy, what does travel insurance not cover, how to pick the right policy for your trip, if you want to understand travel insurance coverage.

If something goes wrong during a trip, your savings account could take a serious hit if you don’t have travel insurance. Flight cancellations, lost baggage or an accident can throw a wrench into your carefully made plans and cost a lot to rectify.

On the other hand, knowing that your trip is protected can help put your mind at ease before, during and after a vacation. But exactly what does travel insurance cover? Let’s find out.

Most plans typically cover a range of trip protections, including accidental death and dismemberment, baggage delay or loss, emergency medical coverage and evacuation, trip cancellation, delay or interruption and more. Here's a closer look at each one.

Accidental death and dismemberment

Accidental death and dismemberment insurance provides coverage for death or losing a limb or eyesight as a result of an accident. Note that death from natural causes, illness or by suicide isn’t covered, so it’s not the same thing as a life insurance policy.

Baggage delay

Baggage delay insurance reimburses the cost of essentials, such as clothes, toiletries or a phone charger, that you may need to purchase if your bag is delayed. Your baggage must be delayed over a certain number of hours to receive coverage — typically the range is from six to 24 hours, depending on the policy.

Baggage loss

Insurance for baggage loss reimburses the cost of your suitcase and belongings should a checked bag become lost, stolen or damaged during a covered trip.

Emergency medical evacuation and repatriation

This benefit covers the cost associated with medical evacuation if you have a medical emergency and you can’t be treated at the facility closest to you. It will cover transport costs to another hospital or your home country, if necessary, and also includes transportation of remains.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Missed connection

A missed connection benefit covers extra expenses if a common carrier delay causes you to miss an organized tour or a cruise, for example, and you need to pay extra to catch up to it at the next port of call.

Reinstate frequent traveler awards

If you paid for a trip with airline miles or hotel points and it is subsequently canceled, this benefit will cover any fees required to redeposit your rewards back to your frequent traveler account.

Trip cancellation

Trip cancellation insurance reimburses you for prepaid nonrefundable costs if you must cancel a trip for a covered reason. Reasons that are typically covered include:

Sickness or death of a family member.

Financial insolvency.

Natural disaster.

Airline strike.

Inclement weather.

Military duty.

Stolen passport or visa.

Loss of employment.

Trip delay covers costs associated with transportation, meals or lodging should your common carrier be delayed, as well as reimbursement of any prepaid, nonrefundable expenses. Trip delay coverage takes effect after a specified period of time depending on the policy, but typically ranges from five to 12 hours.

» Learn more: What you need to know about Chase’s trip delay insurance

Trip interruption

Trip interruption insurance reimburses you for unused, nonrefundable costs in the event you must cut the trip short and return home for a covered reason, including a family member’s sickness or death, terrorism, inclement weather or a natural disaster, among others.

Travel insurance plans usually don’t include coverage for every possible thing that can go wrong, but you can add optional extras to your policy for an upcharge. Check to see if your plan has the following types of coverage, and if you think you need it, you can add it in or buy a more inclusive policy.

Cancel For Any Reason

If you change your mind and decide not to go on a trip you’ve booked, you typically can’t get reimbursed for prepaid, nonrefundable expenses — unless you purchase a cancel for any reason policy separately. Depending on the policy, you usually get a portion of your prepaid expenses back (typically 50% to 75%), but you must purchase the policy within 10 to 21 days of initial payment. Note that cancel for any reason isn’t the same as trip cancellation listed above.

Rental car collision damage waiver

If your rental car is damaged or stolen, rental car insurance will protect you from having to pay for the damage or theft. Many credit cards, such as the Chase Sapphire Preferred® Card or the Capital One Venture X Rewards Credit Card , offer rental car collision damage insurance, so check whether the cards you hold have this benefit before adding it to a policy.

Pre-existing conditions

If you need coverage for a pre-existing medical condition, you must purchase a policy within the time specified by the insurance provider to be eligible for a pre-existing conditions waiver (usually ten to 21 days). Make sure that the coverage amount you enter is equal to all prepaid, nonrefundable costs for your trip.

» Learn more: The best travel insurance companies right now

Quarantine accommodations

This coverage is often part of trip delay insurance, but some providers include it and some don’t. For example, the Safe Travels Voyager plan offered by Trawick International covers lodging expenses in case you get sick with COVID-19 and have to quarantine abroad before flying home safely.

» Learn more: Travel insurance may not cover COVID-19 — unless you upgrade

Travel insurance offers coverage for many situations, but not all. Some scenarios aren’t covered by a travel policy, including:

A named storm: Most travel plans protect you from hassles stemming from inclement weather. However, a policy needs to be purchased before a tropical storm or weather event is named. If you purchase coverage after a natural disaster has begun, it won’t be covered.

Activities performed under the influence: Drug and alcohol use are a notable exception to most travel policies. If you fall off an ATV because you drank a few alcoholic beverages or took drugs before operating a vehicle, you’re no longer covered.

Extreme sports: Some high-risk sports, such as bungee jumping, scuba diving or rock climbing, aren’t covered by a comprehensive travel insurance plan. However, you can buy a separate policy for the specific adrenaline activities you’re planning to do on your vacation from World Nomads , for example.

Fear of travel because of a pandemic or another reason: This is something that would be covered under a “cancel for any reason” add-on, but a general travel policy won’t cover fear of travel.

Medical tourism: Seeking dental work in Mexico or a hair transplant in Turkey? Keep in mind that your medical expenses for elective procedures aren’t covered by a plan with emergency medical coverage.

Pregnancy: If you want to cancel a trip because you’re pregnant, you can do so only if you purchased the plan before you became pregnant. Otherwise, it’s not a covered reason. Additionally, medical costs incurred while on a trip during pregnancy might or might not be covered (check with your insurance provider).

» Learn more: What to know before you buy travel insurance

The length of trip, your age and the destination all factor into how much a policy will cost. The coverage types and their limits also influence the price tag.

Types of coverage and limits

Take a look at the terms of each policy and determine the type of coverage you need the most. Compare the coverage details and limits with the cost. If you hold a travel credit card , familiarize yourself with its benefits as some of the trip protections might be redundant.

Single trip vs. annual plan

For frequent travelers, an annual plan offers the most bang for your buck — it costs less money versus purchasing insurance for multiple single trips. An annual policy covers long international trips as well as short domestic trips in between, so you can have peace of mind all year long. But everything isn’t always included in a multi-trip plan, the coverage limits are lower and you may not be covered for pre-existing conditions.

Individual vs. family

When shopping for a quote, include everyone traveling in your party and their ages before you submit the trip details. Note that some insurance providers include free coverage for children 21 and younger if a parent is the primary policyholder.

» Learn more: 10 best travel insurance companies

Because coverage varies among the different insurance providers and policies, make sure to read over the policy terms carefully, especially if you’re looking for a specific type or amount of coverage.

If you’re still not sure whether a specific event or activity would be covered, call the insurance company and chat with a customer service representative. It’s better to be aware of what’s covered and what isn’t before you need to (but hopefully don’t have to) file a claim.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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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Repatriation of Remains Insurance

Return of Mortal Remains Insurance

Repatriation of remains coverage is an important benefit to have in a travel insurance plan, and it is often a required benefit. Many individuals might not quite understand what the term repatriation of remains means as it is not a term used in everyday conversation.

So what exactly does repatriation of remains mean to someone who is shopping for an international health insurance plan and why is it important?

Although no one likes to think of the worst possible scenario when planning a trip, it is often necessary to be prepared. In the event of an accident or even death, medical bills and other expenses should be the least of worries for the individuals involved.

Related: Emergency Evacuation due to Medical Illness

What is Repatriation of Remains Coverage

Repatriation of remains is a benefit that provides coverage for the transportation of the covered individual’s bodily remains back to their area of principal residence, in the event of a covered illness or injury that results in death. Typically, repatriation benefits also include the following:

• Coordinating with local authorities on the post-mortem exam
• Removal and transportation of the body to medical facilities, coroner and airport
• A coffin or appropriate container for the transport of remains
• Coordination with government agents to arrange for services, authorizations, and approvals for transport
• Air and ground shipping expenses

How Much Does Repatriation of Remains Cost

The research will show that the costs vary dramatically from country to country and depending on the unique situation of each. The process is much easier in major cities while more difficult, and often costly if death occurs in a remote location.

You should expect costs to range between $10,000 and $20,000 with the understanding that it might be higher. Most insurance plans will cover that amount or more. Make sure you check that amount in your policy if it is a concern.

Although we do not sell Repatriation of Remains Insurance as a stand-alone product, you can purchase it as part of a more comprehensive travel medical plan . We would recommend the Atlas Travel Insurance plan for most of our clients.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Why Buy Repatriation Insurance

• Repatriation is Expensive  As discussed above, the costs can be high and are incurred at a time when it is least convenient.
• Coordination of Services Having an insurance plan that includes repatriation means that the insurer will help coordinate all aspects of the process. The insurance company not only works with all parties involved, but they usually have a case manager with expertise in handling the logistics to ensure that everything goes smoothly.
• Consideration of your Family  There is nothing more heartbreaking than the loss of a loved one. This is not a time for those same individuals to be left with the challenge and expense of returning a body home for services. Planning is the best way to prevent this scenario.

For individuals who are traveling for a minimum of 5 days up to 1 year, the Atlas Travel Plan provides coverage for repatriation of remains along with its other benefits. This benefit will provide coverage up to the overall maximum limit of the plan.

Note: Some plans, including the Atlas plan, will cover the costs of local burial or cremation in lieu of repatriation up to the amount disclosed at the time of purchase.

Individuals who will need coverage for repatriation of remains for a longer period might be interested in exploring the Global Medical Plan . Those with the platinum level Global Medical plan will have the return of mortal remains benefit along with many other benefits such as hospital room and board, out-patient care, maternity coverage, and emergency room illness and accident coverage. This benefit is up to $50,000 lifetime maximum per insured and is not subject to a deductible or coinsurance.

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Travel Insurance for Mexico

Travel Team | Apr 12, 2024

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From delicious food to sandy beaches to historic sites, there’s something for every traveler in Mexico. But before you zip up your suitcase, you’ll want to make sure your trip is protected.

In this article, we’ll take a closer look at options for Mexico travel insurance, requirements for traveling to Mexico, and offer destination-specific travel tips so you can have a safe and relaxing experience.

Do I Need Travel Insurance for Mexico?

Insurance is not a requirement to visit Mexico; however, it is a smart idea to have! Let’s take a closer look at the reasons why you should buy insurance before your trip to Mexico.

Should You Buy Travel Insurance for Mexico?

It’s always a smart decision to buy travel insurance before your trip, especially if you’re traveling to another country like Mexico. It’s impossible to anticipate every potential mishap. The coverage you purchase can protect you — your money, your health, your belongings — when the unexpected happens.

Explain why purchasing travel insurance is recommended, even if the country readers are visiting does not require it for entry.

Mexico Travel Insurance Coverage Options

Seven Corners offers a variety of plans that meet most travelers’ needs. Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Below are some travel insurance benefits found in many of Seven Corners plans to help protect you during your trip to Mexico.

Trip Cancellation

Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason. Covered reasons can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage .

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late. If you need to interrupt your trip for a covered reason, you could be reimbursed for unused prepaid, nonrefundable trip expenses. This benefit also covers the expense of additional transportation.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, not just the covered reasons listed in your plan document. Examples include feeling unsafe at your destination and deciding to return home or move to your next destination early or simply changing your mind about travel so you end your trip early.

This benefit can cover expenses resulting from a delay, whether you’re headed to Mexico or coming home or even if you’re delayed in the middle of your trip. To be reimbursed, the delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier on your way to Mexico. Necessary personal items include things like clothing or toiletries so that you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items

For both lost and delayed baggage, it’s important to remember that some items such as laptops and jewelry may not be covered, and your luggage must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important for travelers whose domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for both U.S. and international residents.

Emergency Medical Evacuation and Repatriation

If you get sick or hurt during your trip to Mexico and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Mexico.

What Is The Best Travel Insurance for Mexico?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Mexico. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses.

Seven Corners Travel Medical Insurance provides great levels of confidence for travelers headed to Mexico whether you’re a U.S. or non-U.S. resident. These plans offer robust coverage for medical expenses if you get sick or hurt during your trip, so you can get the care you need without having to worry about how you’ll pay for it.

Finding the best travel insurance for your unique trip to Mexico is easy with our interactive guide. Answering a few simple questions will show you the best options for you and your trip. Plus, there’s no commitment or hassle when you get a quick quote. You can also contact our licensed agents for additional support, making sure you choose the best travel insurance for a Mexico vacation.

How Much Does Travel Insurance to Mexico Cost?

The cost of travel insurance varies depending on the plan you choose as well as a number of other factors. Trip protection plans generally cost 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage.

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip

Customizable selections such as medical maximum, deductible, and other add-ons

Get a quick quote with no commitment when you answer a few simple questions about your trip to Mexico and what kind of coverage you need.

Travel Requirements for Mexico

When planning any trip, it’s important to consider what travel documents your destination country requires, as well as any public health requirements. Let’s take a closer look at what you’ll need when traveling to Mexico.

Visa Requirements for Mexico

Visas are not required for permanent residents of the United States traveling to Mexico. Visas are also not required for Mexico if you already have a valid visa for the United States, Japan, the United Kingdom, or any country that makes up the Schengen Area.

There are many countries whose residents are exempt from needing a visa to travel to Mexico. Check out the full list here .

Documents and Forms

While you may not need a visa to travel to Mexico, there are a number of other documents you’ll want to be sure to add to your carry-on. These documents include:

• A valid passport that has at least six months of validity.
• A completed Multi Migratory Form . Travel tip- this form can be completed at the airport, but you can save time by filling it out and printing it in advance!
• Documentation of why you’re traveling to Mexico. This can include a hotel reservation, a trip itinerary, a letter of admission from an academic institution, or a letter from your employer that you’re traveling for work. View more examples here .

Public Health Requirements

As of November 24, 2023, there are no COVID-19 restrictions in place when traveling to Mexico.

You won’t need to provide a negative COVID test or proof of vaccination to enter the country. However, the Centers for Disease Control recommends getting up to date on COVID-19 vaccines before traveling and wearing a mask in crowded places on your trip.

Travel Information & Safety Tips for Mexico

Curious about the weather at your destination? Want more info on transportation? Check out these travel and safety tips for a deeper dive into what you can expect on your trip to Mexico.

Is Mexico safe to visit?

Major cities and resort areas are generally the safest places to visit. These areas are well-regulated with first responders close by to help in instances of injury.

In some Mexican states, there are high amounts of crime and kidnapping. This Mexico Travel Advisory can tell you if the area you’re considering visiting has an especially high amount of crime.

It’s important to be aware of common scams that target tourists in Mexico so you can avoid them. Card-skimming is prevalent throughout Mexico, so try to pay with cash when possible. When you do withdraw cash, use well-lit ATMs in populated areas. Be careful when getting in a taxi, as there are a growing number of fake taxi drivers. If possible, ask your hotel to book you an authorized taxi. When getting in the car, ensure the driver is licensed and that their face matches the photo on the license.

If you’re a United States citizen traveling to Mexico, you can enroll in the free Smart Traveler Enrollment Program (STEP) as an additional safety precaution. Through the program, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency.

What languages are spoken in Mexico?

Spanish is the primary language of Mexico, spoken by about 94% of the population.

English is not prominently spoken throughout Mexico. However, in tourist areas such as Cancun, Tulum, Cozumel, and others, many locals have learned to speak English.

What currency is used in Mexico?

The Mexican Peso (MXN) is the currency used in Mexico. As of November 24, 2023, the exchange rate between United States dollars and Mexican pesos is 1 dollar = 17.11 pesos.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Mexico?

Mexico is a vast country, stretching over 750,000 square miles. As such, the weather varies by region. Throughout Mexico, there is a rainy season and a dry season. The rainy season runs from May through November, and the dry season from December through April.

Gulf Coast: Weather in the Gulf Coast is hot and humid, with lots of rain in the summer months. July is the hottest and wettest month of the year. The annual average temperature is 77 degrees.

Southern Mexico: The southern regions of Mexico which include Oaxaca and Chiapas tend to get the most rain. This weather in the valleys and coastal plains can be exceptionally hot, while the weather in cities of higher altitudes is cooler.

Yucatan Peninsula: The Yucatan Peninsula is a popular cruise destination, with its port city of Cancun. Temperatures stay warm and consistent throughout the year with an average of 78 degrees annually.

Northern Mexico: The weather in northern Mexico tends to be more arid and less humid than other parts of the country. This area in Mexico is characterized by dry, sweltering days and cooler nights. The temperature here varies throughout the year with highs over 90 degrees in August and lows in the upper 40s in January.

Central Mexico: It feels like springtime in Central Mexico for most of the year, with warm days and slightly cooler nights. The highs in the warmest months are in the upper 80s and dip to the low 40s in the cooler months.

Pacific Coast Region: The Pacific Coast region is home to popular tourist destinations like Acapulco and Puerto Vallarta. This region stays toasty throughout the year, with high temperatures of 90 degrees and lows around 70.

Food and Water Safety in Mexico

The tap water in Mexico is generally unsafe to drink throughout the country. It’s recommended to buy purified bottled water during your stay. Bottled water is widely available for sale in stores and by street vendors, so it shouldn’t be hard to find. You should also use purified water for brushing your teeth. Travel tip: Bring your own refillable water bottle and purchase larger purified water jugs to fill it throughout your trip.

When it comes to produce, it’s best to always disinfect the fruits and vegetables you buy. You can buy produce disinfectant or make your own solution with a mix of white vinegar and purified water.

Transportation

Common ways to get around Mexico include renting a car, ordering a taxi, or taking public transit.

Larger cities like Mexico City have a Metro system to help you get around. Mexico City’s metro even has women-only wagons to help reduce the prevalence of sexual harassment . But in smaller cities and towns, buses will be the primary form of public transportation.

Train travel is currently limited, but is set to take off in Mexico in the coming decades. The country is planning to launch 11 new tourist train routes by 2050, with the first launching in 2023.

Do I need a power adapter for my electronics?

When traveling to Mexico from the United States, you will not need a power adapter for your electronics. Mexico uses type A and type B power plug sockets. The standard voltage is 127 V and the frequency is 60 Hz.

U.S. Embassy and Consulate Information for Mexico

Before traveling to Mexico, it’s important to know the location of the nearest embassy or consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy in Mexico City:

Paseo de la Reforma 305

Colonia Cuauhtemoc

06500 Mexico, CDMX

U.S. Consulate in Ciudad Juárez:

Paseo de la Victoria #3650

Fracc. Partido Senecú

Ciudad Juárez, Chihuahua, Mexico C.P. 32543

U.S. Consulate in Guadalajara:

Progreso 175

Col. Americana

Codigo Postal 44160

Guadalajara, Jalisco, Mexico

U.S. Consulate in Hermosillo:

141 Monterey Street

Col. Esqueda, C.P. 83000

Hermosillo, Sonora, Mexico

U.S. Consulate in Matamoros:

Calle Constitución No. 1

Colonia Jardín

Matamoros, Tamaulipas 87330

U.S. Consulate in Merida:

Calle 60 No. 338-K x 29 y 31

Col. Alcala Martin Merida, Yucatan, Mexico 97050

U.S. Consulate in Monterrey:

Ave. Alfonso Reyes #150

Col. Valle del Poniente

Santa Catarina, Nuevo León

México 66196

U.S. Consulate in Nogales:

Calle San José s/n

Fraccionamiento los Alamos

C. P. 84065 Nogales, Sonora

U.S. Consulate in Nuevo Laredo:

Paseo Colon 1901

Colonia Madero

Nuevo Laredo, Tamaulipas 88260

U.S. Consulate in Tijuana:

Paseo de las Culturas s/n

Mesa de Otay

Delegación Centenario C.P. 22425

Tijuana, Baja California

Contact Seven Corners about Travel Insurance for Mexico

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What is medical evacuation and repatriation insurance cover?

Medical evacuation and repatriation insurance covers the cost of travelling for medical treatment should it not be available locally. if an international worker or their dependants are ill or injured and the required medical treatment is not available locally, they are transferred to the nearest suitable medical facility., the vital role of international health insurance providers in times of crisis.

For expats and their families living or working in remote areas where there may not be easy access to medical facilities, the inclusion of medical evacuation and repatriation cover may be an important part of their health insurance

The international private medical insurance industry is experiencing a significant increase in medical evacuations and repatriations due, in part to the growing number of international companies with staff working overseas; workforces in remote and often hazardous regions (e.g. mining companies), together with the rise in climate-related natural disasters.  With ever more companies seeking business opportunities overseas, employers recognise the compelling need to provide global healthcare cover for their staff.  In many countries medical insurance is a legal requirement and domestic cover may not offer as comprehensive a level of cover as international private medical insurance (iPMI). Healthcare is a major concern for expats and their families and it is hugely reassuring for them to know that they are covered, regardless of location, by a health insurer who literally speaks their language. Medical evacuations are carried out when international workers or their dependants get ill or injured and the required medical treatment is not available locally, at which point they need to be taken to the nearest suitable medical facility.  The countries from which Allianz Worldwide Care clients are most frequently evacuated include Mozambique, Libya and China, where specialist medical care is limited. South Africa and Germany are among the countries to which members are most commonly evacuated, due to the availability of centres of medical excellence and specialist care facilities.  The difference between medical evacuations and medical repatriations is that for repatriations, the insured member is returned to their home country for treatment, where medically appropriate and possible. 

The process

The challenges.

As one might expect, managing medical evacuations on a global basis is not without its challenges.  Insurance companies have to overcome a range of potential obstacles such as failing, archaic or sometimes non-existent communication infrastructure, restricted air space, the impact of weather, or even political or rebel unrest. However, global providers are well prepared for these kinds of challenges and experience and determination are a formidable combination. We always strive to find the nearest medical centre but they may not always have the most suitable facilities. For example, a member that recently needed medical evacuation was located in Papua New Guinea, but while the capital Port Moresby was nearby, the hospital did not have the required medical facilities. Instead we had to evacuate the member to Cairns in Australia which was the nearest centre of excellence.  To evacuate a member, we need a copy of their passport plus, where required, a visa or permit for the country to which they will be moved. Visa’s can be difficult to obtain, particularly given the very tight deadlines to which we are operating, but with a strong network of medical partners located all over the world, we are always able to assist the member.  

To apply for an emergency visa, the following items are needed: 

• Medical report by the treating physician including a justification for needing treatment in the chosen country.
• Invitation letter from the admitting medical facility in the chosen country, confirming the acceptance of the patient and willingness to provide treatment. (This letter should also include the estimated length of stay and estimated costs)
• Letter from either the insurer, patient’s family or patient’s employer confirming financial cover for the patient's transportation, medical and living expenses.

Following the application, there are two different scenarios that may occur: 

• Emergency visa is issued on arrival.
• Emergency visa is issued after application - a representative or family member needs to attend a visa application centre or embassy and make an application on behalf of the patient. 

We will have the experience, local partners, knowledge and emergency procedures in place to deal with the VISA application on behalf of the client, if support is needed.  Technology has played a significant role in helping us to overcome many challenges, increasing the survival rates during evacuations. Advances in technology can be seen at every stage of the evacuation process, from communication, to portable medical equipment, to the air ambulance themselves, where technology allows them to fly at altitudes and speeds that minimise the risk of medical deterioration.

Five continents, hundreds of evacuations

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June 1, 2020

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

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

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The Comprehensive Guide to Travel Insurance Benefits from Allianz Global Assistance

Trip Cancellation Benefits

Canceling a trip at the last minute can be really disappointing — and really expensive. Many hotels, vacation rental companies, tour operators, airlines and cruise lines won’t refund your money if you cancel too close to your departure date.

That’s when   trip cancellation benefits can save the day. This crucial benefit can reimburse your prepaid, non-refundable expenses, up to the maximum benefit in your plan, if you must cancel your trip due to a covered reason.

The term “covered reason” is important! You’ll see it over and over again in your plan documents (and in this guide to travel insurance benefits). Travel insurance doesn’t cover every possible circumstance. “Covered reasons” are the specifically named situations or events for which you are covered in your plan. For trip cancellation, some common covered reasons include the serious illness or injury of an insured traveler or travel companion; the serious illness or injury of a family member; your home or your destination being rendered uninhabitable; and many more.

Available in :  OneTrip Cancellation Plus Plan ,  OneTrip Basic Plan ,  OneTrip Prime Plan ,  OneTrip Premier Plan ,  AllTrips Prime ,  AllTrips Executive , and  AllTrips Premier .

Travel insurance tip: The best time to buy insurance with trip cancellation benefits is immediately after making your travel arrangements. The earlier you buy insurance, the longer your coverage window.

Trip Interruption Benefits

Sometimes, your trip takes an unexpected detour: You trip and fracture your ankle. A hurricane slams your resort. Your tour bus crashes. Trip interruption benefits can reimburse your unused, prepaid, non-refundable expenses, up to the maximum benefit in your plan, when you’re forced to pause your trip or cut it short for a covered reason.

Trip interruption benefits also can reimburse you for extra covered expenses: additional accommodation fees (such as a single supplement fee from a cruise line, if your travel companion goes home early); transportation expenses you incur to continue your trip or return home; and additional accommodation and transportation expenses if the interruption prolongs your trip.

Travel insurance tip: If you get stranded due to a trip interruption, contact Assistance ! Our expert team can help you figure out the best way to continue your trip or get back home, and can assist you with making new travel arrangements.

Travel Delay Benefits

You never planned to spend the weekend in Buffalo, NY… but here you are, because a snowstorm closed the roads and delayed your road trip to Toronto. So you find a cozy inn and order a big breakfast — and your travel delay benefits can cover the costs.

When your trip comes to an unexpected standstill, travel delay benefits make things better. This benefit can reimburse you for your lost prepaid trip expenses, as well as additional expenses for meals, accommodation, communication, and transportation during a covered delay.

Travel insurance tip: If your plan includes SmartBenefits SM , you can opt to receive a fixed inconvenience payment of  $100 per insured person, per day,  for a covered travel delay (up to the maximum no-receipts limit). No receipts required — just proof of a covered delay. Learn more about SmartBenefits SM .

Assistance/Concierge Services

Assistance is the heart of what we do. Every Allianz travel insurance plan includes access to the 24-Hour Assistance Hotline, available anytime by using the Allyz ®  TravelSmart app   or by phone. Our team of multilingual problem solvers is available to help customers with all kinds of challenges: changes in travel plans, medical emergencies, lost travel documents, misplaced luggage, lost or stolen personal items, pet care needs, etc.

Some plans also include access to our concierges, who can answer requests ranging from the routine to the extraordinary. Concierge services can assist with restaurant reservations, event tickets, catering and event planning, sightseeing recommendations, special service referrals and much more.  

Available in : Assistance is included in all Allianz travel insurance plans. Concierge services are included in the OneTrip Emergency Medical Plan , OneTrip Prime , OneTrip Premier ,  AllTrips Basic ,  AllTrips Prime ,  AllTrips Executive , and  AllTrips Premier .

Travel insurance tip: Our concierge benefits are included in qualifying plans, but the customer is responsible for the cost of tickets, tours, catering, and other goods and services not covered by your travel insurance plan.

Pre-Existing Medical Condition Benefit

If you have a chronic illness or injury, or any other medical condition, can you still be eligible for travel protection? Yes! Travel insurance can cover losses related to a pre-existing medical condition , but you have to meet certain requirements.

Allianz Global Assistance defines a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your travel insurance plan, caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; presented symptoms; or required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed). You don’t need a formal diagnosis for your illness/injury to be considered a pre-existing medical condition.

If your travel insurance plan includes the Pre-Existing Medical Condition Exclusion Waiver, you can be covered for losses due to a pre-existing medical condition if you meet all of the following requirements:

• You purchased your plan within 14 days of making your first trip payment or first trip deposit;
• On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. (If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.);
• You are a U.S. resident;
• You were medically able to travel on the day you purchased the plan.

All other contract terms and conditions apply.

Travel insurance for existing medical conditions might sound complicated. We’re here to help! Contact us if you have any questions about how your travel insurance benefits work, or about what’s covered.

You should know that your health does not affect the cost of travel insurance . When you get a quote, we don’t ask you any invasive personal questions. In most cases, we calculate the plan cost based on your trip expenses and your age.

Available in: OneTrip Cancellation Plus Plan ,  OneTrip Basic Plan ,  OneTrip Prime Plan ,  OneTrip Premier Plan ,  OneTrip Emergency Medical Plan ,  AllTrips Prime ,  AllTrips Executive , and  AllTrips Premier .

Travel insurance tip: If you’re not sure you meet the standard of “medically able to travel” when you’re buying insurance, consult your healthcare provider first.

Emergency Medical Care/Transportation Benefits

Getting sick or injured when you’re far from home is a traveler’s nightmare. Will you get the care you need? Will you get hit with surprise medical bills? How will you get home?

Emergency medical benefits and emergency transportation benefits can give you the reassurance you need. Together, these benefits may be the most valuable part of your travel insurance plan. Medical providers overseas often do not accept American health insurance plans; instead, they require payment up front for services rendered. Without travel insurance, the cost of an emergency medical evacuation overseas can reach six figures in some parts of the world.

Emergency medical benefits can reimburse you for eligible costs of medical care for a sudden, unexpected illness, injury, or medical condition you experience while traveling. Emergency transportation benefits can pay for pre-approved, medically necessary transportation to the nearest appropriate hospital or other facility. These benefits also can pay for medical repatriation, which means your transportation home once you’re medically stable to travel.

Available in: OneTrip Basic Plan ,  OneTrip Prime Plan ,  OneTrip Premier Plan,  OneTrip Emergency Medical Plan ,  AllTrips Basic ,  AllTrips Prime ,  AllTrips Executive , and  AllTrips Premier .

Travel insurance tip: If you have a medical emergency while traveling, call Assistance — or use the free Allyz ®  TravelSmart app   — as soon as you can safely do so. We can help determine where you can best be treated, connect you with local medical providers, monitor your care, keep your family updated, and arrange your safe transport home.

Baggage Benefits

Some travelers think baggage insurance only helps when the airline loses your suitcase. It can actually do a lot more! “Baggage” isn’t just your luggage; it’s any personal property you take with you or acquire on your trip.

If your baggage is lost, damaged, or stolen while you are on your trip, your travel insurance plan can pay you the lowest of the following, up to the maximum benefit listed in your plan:

• The actual cash value of the baggage;
• The cost to repair damaged baggage;
• The cost to replace the lost, damaged, or stolen baggage.

Read the baggage benefits section of your plan documents before you go, so you understand what’s covered and what’s excluded. High-value items (such as jewelry or electronic equipment) are covered up to the maximum benefit for high-value items shown in your declarations.

If your baggage is delayed during your outbound trip, your baggage delay benefits can reimburse you for purchasing essential items you need until your baggage arrives. (The length of a covered delay is defined in your plan.)

If your plan includes SmartBenefits SM , you can opt to receive a fixed inconvenience payment of  $100 per insured person, per day,  for a covered baggage delay (up to the maximum no-receipts limit). No receipts required — just proof of a covered delay. Learn more about SmartBenefits SM .

Available in: OneTrip Basic Plan , OneTrip Prime Plan , OneTrip Premier Plan , OneTrip Rental Car Protector , OneTrip Emergency Medical Plan , AllTrips Basic Plan , AllTrips Executive Plan , AllTrips Premier Plan .

Travel insurance tip: It’s smart to document the items you bring on your trip, just in case. Snap some quick pictures as you pack. If you buy any new items for your trip, keep the receipts in case you need to file a claim.

Rental Car Benefits

You know how when you rent a car, the agent tries really hard to get you to buy extra insurance? Here’s a tip: You probably don’t need everything they’re selling. Here’s another tip: You do need collision protection — and the OneTrip Rental Car Protector is the affordable way to get it.

Rental car insurance from Allianz Global Assistance provides primary coverage for covered collision, loss and damage up to $50,000, along with 24-hour emergency assistance. This means that if your rental car is stolen, or is damaged in a covered accident or while it's left unattended, the cost can be covered up to $50,000. For just $11 per calendar day in most states, it’s a great deal!

Available in: OneTrip Rental Car Protector  Plan   , AllTrips Basic Plan , AllTrips Executive Plan , AllTrips Premier Plan (rental car coverage is not available with AllTrips plans in all states), and as an add-on to OneTrip plans.

Travel insurance tip: The OneTrip Rental Car Protector also includes up to $1,000 in trip interruption benefits and up to $1,000 in baggage loss/damage benefits. This makes it a great choice to protect weekend road trips.

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

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Repatriation Cover & Travel Insurance

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Falling ill or suffering an accident abroad is far from ideal. Yet, despite the risks involved, it's surprising how many Brits still venture overseas without adequate travel insurance cover.

Imagine this scenario: You're enjoying your holiday, but suddenly, an unexpected illness or injury occurs, forcing your trip to come to an abrupt end. As a result, you find yourself in a situation where you need to make an emergency return back to the UK. Not only can this be emotionally distressing, but it can also be financially burdensome.

However, the good news is that most comprehensive travel insurance policies include cover for not only medical expenses but also repatriation. This means that in such unfortunate circumstances, you can rest assured knowing that you will receive the necessary medical assistance and support while you're away from home.

Having travel insurance with medical cover and repatriation is not just a wise choice, but it's also a responsible decision. It provides you with peace of mind, knowing that you're protected in case of unforeseen emergencies during your travels. So, before embarking on your next adventure, make sure you have the right travel insurance in place to safeguard yourself against any unexpected mishaps.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

What is repatriation cover?

Repatriation cover is a crucial component of your travel insurance policy, ensuring your protection in case of a serious illness or injury that requires you to be brought back home to the UK. This comprehensive coverage not only safeguards your return but also extends its protective reach to include a family member who may be supporting you abroad during your treatment.

Moreover, in the unfortunate event of a loss, repatriation cover provides financial protection against the substantial expenses associated with bringing a body back home. As part of your medical cover, a dedicated team of specialist medical professionals will assess your situation and determine whether it is in your best interest to be repatriated or continue receiving treatment abroad.

As an example, you may be brought home to the UK if:

• You can’t get the appropriate treatment or level of care where you are
• You need a long period of recovery, which will be more suitable back home
• It may be too costly for you to receive treatment where you are

Do I need repatriation cover?

You can never predict the unexpected, and although medical repatriation is an extremely rare event, it's wise to ensure you're covered. The reason why it's so important is that it can be financially burdensome. Repatriation isn't always as simple as boarding an earlier scheduled flight back home.

In more extreme cases, it might involve medical evacuation via an air ambulance or even a private aircraft from a more remote location. For example, imagine you were on a cruise ship in the middle of the vast ocean when a medical emergency occurs. In such situations, arranging for medical repatriation can be a complex and costly process.

Having comprehensive coverage that includes medical repatriation can provide peace of mind, knowing that you'll receive the necessary care and assistance, regardless of the circumstances. It's better to be prepared for the unexpected and have financial protection in place to handle any unforeseen medical situations that may arise.

Does travel insurance cover repatriation as standard?

Fortunately, most standard travel insurance policies will include this type of cover (but, be sure to double-check). In most cases, this will be listed alongside any medical coverage listed in your policy - although some providers may list it as a separate item altogether.

Moreover, if you decide to take out specialist travel insurance to cover a pre-existing condition , you may find that there is even more extensive coverage for medical-related areas, including medical expenses and repatriation. This additional coverage ensures that you have peace of mind and comprehensive protection throughout your travels.

What cover is typically included?

The first thing to bear in mind is that cover will vary from policy to policy. However, broadly speaking, when it comes to repatriation cover, you'll usually find that it includes several important aspects.

• It covers the cost of getting you safely back home once you've been cleared to travel. This means that you don't have to worry about the financial burden of arranging your own transportation.
• Repatriation cover often includes accommodation and travel expenses for a companion who can stay with you until you are able to travel home. This ensures that you have the support and company you need during your recovery.
• Some providers go the extra mile and actually take care of organising the entire trip home on your behalf, saving you time and effort.
• Repatriation cover also typically offers emergency helpline assistance that is available 24/7. This means that no matter where you are in the world, help is just a phone call away should you require any assistance or guidance.
• In the unfortunate event of a death, repatriation cover often covers the cost of returning the insured traveller's body to their home country.

It's important to note that there are certain exclusions to be aware of. For example, cover for pre-existing medical conditions is typically not included in standard travel insurance policies. To ensure that you have the necessary coverage for any medical conditions you may have been diagnosed with, it's advisable to seek a specialist policy that caters to your specific needs. Failing to do so could potentially invalidate your policy, leaving you without the appropriate coverage when you need it most.

How much repatriation cover do I need?

As above, medical repatriation can be an incredibly expensive undertaking. It is essential, therefore, to ensure that your insurance policy provides sufficient coverage for such circumstances. Fortunately, many travel insurance policies offer a minimum coverage of £1 million, and some providers even go above and beyond by offering coverage in excess of £10 million.

While this may seem like a staggering amount to some, it is an indispensable buffer when you consider the exorbitant costs associated with emergency medical care in foreign countries. It provides peace of mind, knowing that you are adequately protected in the event of an unforeseen medical emergency while travelling.

Who decides if I need to be repatriated?

Your insurance provider plays a crucial role in determining whether or not you will be repatriated. They collaborate closely with a medical assistance company, which directly communicates with the doctors treating you. This collaborative effort enables them to make an informed decision based on your condition and the specific type of treatment you require.

Additionally, the availability of medical facilities and resources in the country where you fell ill will also influence this decision. However, it is important to note that there may be situations where you are deemed medically unfit to travel, further impacting the outcome.

Can you get repatriation cover with a pre-existing medical condition?

Yes - just like any standard travel insurance policy, a specialist policy covering pre-existing conditions should include cover for repatriation. This means that if you ever find yourself in a situation where you need to be safely brought back to your home country due to any pre-existing conditions, you can rest assured knowing that your insurance will take care of the costs associated with repatriation. In fact, it's crucial to emphasise the importance of declaring any pre-existing conditions when purchasing travel insurance. Failure to disclose these conditions to your insurance provider can have serious consequences. If you require repatriation as a result of an undeclared pre-existing condition, the likelihood is that you probably won't be covered for any of the associated costs. So, to ensure peace of mind and comprehensive coverage, it's always recommended to be transparent and upfront about any pre-existing conditions.

What should you expect if you need repatriation?

In the event that you or a family member require repatriation, it is important to understand that the final decision lies with the specialist medical assistance team who collaborates with your travel insurance provider.

As mentioned earlier, they will consult with the medical professional responsible for your well-being after experiencing illness or injury abroad. Subsequently, they will carefully determine the most appropriate course of action. This may involve arranging your transportation on the next available commercial flight or considering more intricate options such as an air ambulance or a private plane. Rest assured that their expertise and thorough evaluation will ensure your safe return home.

Where can I get the best deal on repatriation?

When it comes to travel insurance policies, it's crucial to keep in mind that not all of them offer the same level of coverage for medical repatriation. This is an important consideration when comparing different insurance options.

To have peace of mind during your travels, you may find it worthwhile to pay a slightly higher premium in order to ensure you receive the best possible protection. After all, your well-being and safety should always be a top priority.

At Medical Travel Compared, we make the process of comparing quotes from a wide range of travel insurance providers who offer medical repatriation cover incredibly easy. We understand the importance of finding the right policy that suits your specific needs, so you can travel with confidence and reassurance.

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Single Trip insurance is for one-off, individual trips and will cover your specified travel dates. This is usually up to 45 days; however, some insurance providers can cover up to 94 days. If you’re not a frequent traveller, single trip cover is a great option and will likely be cheaper than an annual multi-trip cover .

If you travel 2 or more times a year, annual trip cover may very well save you money. The maximum duration of any trip will always be specified and will vary by provider. But don't worry, when you get a quote, we'll ask you what your maximum trip length is and only show you quotes that match!

A pre-existing is any medical condition for which medical advice, diagnosis, care, or treatment was recommended or received before applying for a travel insurance policy. For some conditions, we'll need to know if they have ever been present, whilst for others if they occurred within a certain period.

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

It is simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

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

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

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

Cheapest travel insurance of 2024

Why trust our travel insurance experts

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

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

Best cheap travel insurance

Top-scoring plans

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

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

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

Pros and cons

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

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

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

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

Best cheap travel insurance for families

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

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

Best cheap travel insurance for seniors

Evacuation limit per person

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

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

Best cheap travel insurance for add-on options

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

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

Best cheap travel insurance for missed connections

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

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

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

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

Factors that determine travel insurance cost

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

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

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

Is buying the cheapest travel insurance a good idea?

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

For example, compare these two Travelex travel insurance plans:

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

Reasons to consider paying more for travel insurance 

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

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

How to find the cheapest travel insurance

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

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

Consider the following factors when comparing cheap travel insurance plans.

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

Is cheap travel insurance worth it?

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

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

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

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

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

Methodology

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

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

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

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

Cheapest travel insurance FAQs

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

Get the coverage you need: Best travel insurance of 2024

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

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

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

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

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

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

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

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

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

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

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

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

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

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