cigna travel insurance

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Offered by Cigna Health and Life Insurance Company or its affiliates. In Utah, plans are offered by Cigna Health and Life Insurance Company. Supplemental policies insured by Loyal American Life Insurance Company.

1 Customers under age 13 (and/or their parent/guardian) will not be able to register at   myCigna.com .

2 View Supplemental State Policy Disclosures, Exclusions, Limitations, and Reductions

3 $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLive located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients.

4 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.

Product availability may vary by location and plan type and is subject to change. All insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare   representative.

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POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.

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Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group SM , including Cigna Health and Life Insurance Company (Bloomfield, CT) (CHLIC), Loyal American Life Insurance Company (Cleveland, OH), and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc . , Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). 

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of Arizona and New Mexico.

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International Health Plans

Our solution: Cigna Global Health Options

A flexible health plan to meet specific individual needs

Cover for an individual expat or for the whole family

Available from the age of 18 years old with no upper age limit

Efficient and dedicated customer support (including advisors, nurses and doctors)

At Cigna Healthcare we specialise in international health insurance for globally mobile individuals. We are dedicated to helping our customers better manage their overall health and wellbeing and ensuring our customers have quality care available as and when they need it, allowing them to focus on what matters most, their recovery.

Build a plan to suit your needs and budget, choose between Silver, Gold or Platinum.

Annual maximum of $1,000,000 for inpatient and daypatient treatment.

Private room

Full cancer care up to $1,000,000

Medical Imaging and scans up to $10,000

Rehabilitation, including Physiotherapy, up to $5,000

A&E Room Treatment up to $500

No inpatient maternity covered

Explore all Benefits

Annual maximum of $2,000,000 for inpatient and daypatient treatment.

Full cancer care up to $2,000,000

Medical Imaging and scans up to $15,000

Rehabilitation, including Physiotherapy, up to $10,000

A&E Room Treatment up to $1,000

Newborn care cover up to $75,000

Inpatient Maternity up to $7,000

Inpatient and daypatient treatment is Paid in Full .

Full cancer care

Medical Imaging and scans Paid in Full

Rehabilitation, including Physiotherapy Paid in Full

A&E Room Treatment up to $2,000

Newborn care cover up to $156,000

Inpatient Maternity up to $14,000

Mental & Behavioural Healthcare Paid in Full

The Cigna Healthcare Difference

Global coverage with local expertise.

Coverage across the globe wherever you are located, with the option to include the USA.

Flexibility, Choice and Portability

We give you choices to built the appropriate level of cover with a plan that moves with you in over 200 countries and jurisdictions.

Cover, regardless of your age

From 18 year old, you can enrol to your own policy and keep it as long as required. We don’t apply an age limit on our international health plans.

Mental Health Support

Extensive programmes and additional resources to look after your mental health and emotional wellbeing.

Plans in Detail

International medical insurance.

An overview of key benefits, for full benefits please view Product Brochure [PDF]

✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.

Waiting period applies.

✓ Private room

As part of impatient, daypatient or outpatient treatment.

Unlimited Consultations

The following sections detail the optional benefits you can choose to add to your core cover. For full list of optional benefits, please view the Product Brochure

Optional Outpatient Benefits

The International Outpatient optional module provides more comprehensive outpatient care where a hospital admission as a daypatient or inpatient is not required, including consultations with specialists, prescribed outpatient drugs and dressings, rehabilitation, genetic cancer testing and much more. For a more detailed overview of the optional International Outpatient module, please view our Product Brochure [PDF]

Optional Health and Wellbeing Benefits

We understand the importance of your overall wellbeing and living a balanced life. In addition to health screenings, tests and examinations; this module also empowers you and your family with the services and support to manage your own individual day-to-day health and wellbeing. Your Wellness companion, comprising of the Life Management Assistance programme and the Wellness Coaching , is available to help you and your family stay healthy and well, both physically and mentally.

24/7 access to counsellors for mental and behavioural health support.

Access to a personal wellness coach for lasting lifestyle changes.

Up to 20 face to face counselling sessions per condition per period of cover.

$225 up to 5 sessions

$450 up to 10 sessions

$900 up to 15 sessions

Optional Vision and Dental Benefits

International Vision and Dental pays for the beneficiary’s routine eye examination and pays costs for spectacles and lenses. It also covers a wide range of preventative, routine and major dental treatments.

Optional Medical Evacuation and Repatriation Benefits

International Medical Evacuation provides coverage for reasonable transportation costs to the nearest centre of medical excellence in the event that treatment is not available locally in an emergency. This option also includes medical repatriation coverage, as a result of a serious illness or after a traumatic event or surgery. Compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness will also be covered.

Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit and you should refer to the Customer Guide for full benefit details. Prices are displayed in US Dollars (USD) only. Please refer to the Sales Brochure to see benefit limits displayed in EUR / GBP.

Why Choose Cigna Healthcare for International Health Plans?

Customisable cover.

You can select the right plan based on your individual situation.

24-hour assistance

You'll get access to a multilingual service with 24/7 availability.

Cigna Network

With Cigna Healthcare, you have access to over 300,000 mental and behavioural health care providers, more than 67,000 contracted pharmacies, and over 150 in-house doctors and nurses.

Digital tools

Our Cigna Wellbeing™ app gives you access to a range of features, including the Global Telehealth service to easily and quickly speak with a doctor or specialist

Your Cigna Resources

Your wellness companion, cigna wellbeing app, global telehealth, clinical case management, cigna global health options brochure [pdf], does cigna healthcare stop insuring me when i reach a certain age.

At Cigna Healthcare, we believe a customer of any age deserves to access suitable healthcare for their needs. This is why we do not terminate a customer’s health insurance policy based on their age and we do not implement an age cap on any of our plans.

Where can I access healthcare, and do I need to pay out of pocket during or after my treatment?

We look after our customers though access to over 2.2 million partnerships, including 300,000 mental and behavioural health care providers, more than 67,000 contracted pharmacies, and over 150 in-house doctors and nurses. We offer in network direct billing, and for all inpatient and daypatient treatment we require prior authorisation, which simplifies your customer journey.

Do I have access to any Mental Health Care?

As a Cigna Global Health Options Customer, you have access to our Mental and Behavioural Health Care covered under your core inpatient and daypatient benefit within the international health plans as standard. We have an optional health and wellbeing module which offers our Life Management Assistance Programme providing confidential assistance with any work, life, personal or family issue that matters to you through counselling, telephone support and online programmes.

International Health Insurance for wherever life takes you

Award winning International Health Insurance for Individuals and families living abroad

Get a quote in just 2 minutes

What is International Health Insurance?

An international health insurance plan gives you access to private health care services across the globe..

Cigna’s health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.

How does International Health Insurance work?

With cigna's international health plans, you can access private healthcare providers anywhere within your region of travel..

This means you don't have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.

International Health Plans for:

Global Professionals

From new overseas assignees, to seasoned expats, to digital nomads, we’ve got your healthcare covered.

Our family-friendly plans are crafted to address the health and well-being needs of you and your loved ones.

Comprehensive health plans designed for your retirement abroad, leaving you free to live life to the full, wherever that may be.

Ensure your healthcare needs are met during one of life’s most exciting adventures - studying abroad.

Get a quote, quickly.

It shouldn't take a whole lunch break to get a health insurance quote. We'll give you an idea of your price in 2 minutes.

Frequently Asked Questions

How do i get international health insurance.

With Cigna, it's easy to start building your international health insurance plan. To find the right cover for you, start by getting a quote online. You’ll be asked a few basic questions like who to cover, where you're based, and how long you'd like the cover for. You'll receive an indication of price straight away and one of our team-members will be in touch to answer any questions and set up cover over the phone.

What's the difference between international health insurance and travel insurance?

International health insurance policies are designed for people living or working overseas long term. It covers treatment for both emergency and routine health care, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover. A travel insurance policy is designed to cover short trips abroad, such as a holiday or business trip. This kind of insurance only offers short term cover for medical emergencies, and some non-medical benefits like cover for lost luggage or trip disruptions.

Why do expats need insurance?

The quality of health care can vary widely around the world. The quality of care in your new country may not be to the standard you were used to back home. In addition, as a foreign national, you and your family may not be entitled to any free or subsidized health care. It is therefore important to consider an expat health plan to provide for the health care needs of you and your family.

What does expat health insurance cover?

A Cigna expat health insurance policy is flexible to your needs. Start with one of our core insurance policies - these provide protection for essential hospital stays and treatment. Surgeon and consultation fees and hospital accommodation are also covered. Inpatient, outpatient and cancer treatments are also provided for. In addition, our Gold and Platinum core policies offer levels of cover for routine maternity needs.

You can tailor your policy with a range of optional benefits. International Outpatient provides you with more extensive outpatient cover including doctor’s visits and prescriptions. In addition, you can add medical evacuation, health and well-being and vision and dental benefits to your policy.

How much does expat health insurance cost?

The cost of health insurance will vary by plan and insurer. Some insurers might offer you cheap plans, but the cover they provide may be significantly less. At Cigna we work hard to ensure that we keep our levels of cover high and prices down. Our plans are flexible and tailored to you.

What countries can international health insurance cover me for?

You can choose to be covered anywhere in the world. And your cover travels with you, whether you're moving between two countries or travelling more extensively.

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

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

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

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

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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If your business requires that your employees travel internationally, you'll want a policy that's committed to high quality health care with benefits that follow them wherever and whenever they go. Our Medical Benefits Abroad® plan includes cover for unexpected illness or injury while your employees are travelling on business, whether they need hospital or out-patient care, emergency dental treatment or a replacement prescription.

And because there's nothing worse than falling ill when you're far from home, we aim to make the process smooth and hassle-free. Our customer service representatives are available around the clock every day of the year and will facilitate direct billing where possible, and we've developed an online portal where you can file your claim – or research your destination before you travel.

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