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The Ultimate Guide to CheapOair – Will It Save You Money? [2024]

Katie Seemann

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How to Book a Flight on CheapOair [Step-By-Step]

Low fare calendar, price match promise, booking fees, travel protection, travel assist classic, book now pay later, price comparisons, how to book a hotel on cheapoair [step-by-step], travel protection plan, how to book a rental car on cheapoair [step-by-step], cheap deals, rental car damage protection plan, how to book a vacation package on cheapoair [step-by-step], cheapoair cruises, cheapoair credit cards, how to earn cheapoair rewards points, levels of membership, how to redeem cheapoair rewards points, where to find cheapoair promo codes, cheapoair mobile app, final thoughts.

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CheapOair is an online travel agency (OTA) where you can book flights, hotels, car rentals, cruises, and vacation packages.

Based on the name, you might assume that this site always offers the cheapest fares, but will CheapOair really save you money on your next trip?

In this post, we’ll walk you through the site to show you how to search for flights, hotels, rental cars, cruises, and vacation packages. Plus, we’ll do some price comparisons to see if CheapOair is the cheapest after all.

CheapOair Flights

A lot is happening on the CheapOair home page , but there’s no need to get overwhelmed. First, let’s take a look at how to search for a great deal on a flight.

• Next, you’ll be able to review your flight, select an upgrade, enter traveler details, and choose whether or not to purchase travel insurance and/or travel assist classic (scroll down for more on these). After you enter your payment details, click Confirm & Book to complete your transaction.

The CheapOair low fare calendar is a great tool to use if you have flexible travel plans. To find this tool, click on the date in your search. Note that this feature isn’t available for all flights.

The low fare calendar will allow you to see the prices for your trip over 2 months in a calendar format. Click on any date in the calendar to bring up the flights available to book on that day.

CheapOair’s price match promise is similar to other OTAs. If you find a lower price for an identical itinerary on select English-language OTAs (for example Expedia , Orbitz , Priceline , or Travelocity ) within 24 hours of booking, CheapOair will refund you the difference or cancel your ticket for a full refund.

This price match promise only applies to fares available to the general public and excludes opaque bookings (those in which the final details aren’t available until after the booking is complete) and error fares.

You’ll be able to see if your flight is eligible for the price match promise on the trip summary page, right before you enter your payment information.

CheapOair DOES charge booking fees of $0 to $35 for flights. You’ll be able to see the fee listed in the price details of your flight.

CheapOair offers a trip insurance policy that covers the following:

• Trip cancellation up to $100,000
• Trip interruption up to $100,000
• Accidental death and dismemberment up to $100,000
• Travel delay up to $200
• Baggage delay up to $200

Whether or not you choose to purchase additional travel insurance is up to you. However, if you have the right credit card in your wallet, you might already be covered.

There are lots of major credit cards that offer travel accident insurance , trip cancellation insurance , and trip delay insurance . Here are some of our favorites:

• Blue Cash Preferred ® Card from American Express
• Chase Sapphire Preferred ® card
• Ink Business Preferred ® card
• The Platinum Card ® from American Express
• United℠ Explorer Card
• The World of Hyatt Credit Card

Hot Tip: Having the right credit card in your wallet can provide you with travel insurance at no additional cost. 

CheapOair’s Travel Assist Classic package is available to purchase along with your flight. It comes with the following:

• Emergency medical assistance
• Personal concierge assistance
• Visa and passport assistance
• $50 travel savings coupon

The $50 travel coupon has a value of $10 per person for up to 5 people traveling on the same reservation booked through CheapOair. It must be used within 60 days and won’t be refunded if your booking is canceled.

The personal concierge service is a benefit you may already have. Many credit cards offer a concierge service as part of their benefits package, including:

• American Express ® Gold Card
• Amex Platinum card
• The Business Platinum Card ® from American Express
• Chase Sapphire Preferred card
• United Explorer card

Hot Tip: Many major credit cards offer a benefit similar to emergency medical assistance. See our recommendations for the best credit cards that offer travel accident insurance .

When you’re entering your payment information, you might notice an option to make monthly payments. This is a fancy way of selling you a loan.

CheapOair offers this to U.S. residents except for residents of Iowa and West Virginia. These loans are available in 3-, 6-, or 12-month increments and come with an APR that can be anywhere from 10% to 30%.

Let’s take a look at some price comparisons to see if CheapOair can save you money on your next flight.

Example #1: A round-trip flight on American Airlines from Columbus, Ohio (CMH) to Miami, Florida (MIA).

CheapOair is the most expensive by far because of its $20 booking fee for this flight.

Example #2: For this example, let’s look at one of CheapOair’s advertised deals that claims will save you 40% — a round-trip flight from Dallas, Texas (DFW) to Denver, Colorado (DEN).

Again CheapOair is actually the most expensive because of the booking fees it charges.

Example #3: CheapOair advertises lower rates to its members. So, let’s look at a recommended member deal (a round-trip from Columbus, Ohio (CMH) to Raleigh/Durham, North Carolina (RDU)) which claims to be at a 74% discount.

Unfortunately, CheapOair is the most expensive again — almost double the price of booking directly with an airline.

Bottom Line: CheapOair charges hefty booking fees which can often make it more expensive than other websites.

CheapOair Hotels

Despite the name, CheapOair can also be used to book hotels.

• Each search result will give you lots of information about the property including reviews, location, CheapOair Rewards (scroll down for more information), and price per night. Once you’ve chosen a hotel, click on I’ll reserve  to continue.

• Finally, fill out your traveler and payment information. Then click Complete Booking to complete your transaction.

Hot Tip: The price you see in the hotel search results list is per night and does NOT include taxes and fees. CheapOair charges up to $42 per night per room in fees.

The Travel Protection Plan offered by CheapOair when booking a hotel reservation covers trip cancellation and interruption benefits up to $100,000, plus trip delay and baggage delay protection.

This extra insurance may be unnecessary if you pay for your reservation with a great travel rewards credit card .

One of the most popular credit cards for travelers is the Chase Sapphire Preferred card . This card comes with trip cancellation, trip delay, and baggage delay insurance. plus car rental insurance and travel accident insurance.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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Hot Tip: If you change or cancel a hotel reservation booked through CheapOair, you’re subject to a $ 25 fee per room per night. This is in addition to any cancellation fees charged by the hotel. Any service fee that you paid at the time of booking is non-refundable.

Let’s take a look to see if CheapOair hotels fare better than CheapOair flights in terms of saving you money.

Example #1: A week-long stay at the Doubletree by Hilton Hotel London Heathrow Airport in a standard king room.

As you can see, prices here are all over the map. While CheapOair would actually save a little compared with booking directly through the hotel, Hotels.com is the clear winner here.

Hot Tip: If you’re booking a chain hotel like a Marriott , Hyatt , or Hilton through CheapOair, you won’t earn any hotel loyalty points and your elite hotel status may not be recognized. If you’re loyal to 1 hotel chain and those things are important to you, it’s best to book directly with the hotel.

Example #2: A week-long stay at the Fairmont Royal Pavilion Barbados in a luxury oceanfront king room.

In this example, CheapOair would save you about $50!

Bottom Line: CheapOair is more competitive on hotel prices than airline prices. You can save money booking through CheapOair sometimes, but it’s not always a slam dunk.

CheapOair Cars

Searching for a rental car on CheapOair is just as easy as searching for a hotel or flight.

You may notice some car rental search results that don’t display a car rental agency. Instead, you’ll see a “cheap deals” logo.

This is CheapOair’s version of an opaque booking — one in which the rental agency (car, hotel, or airline) is unknown to you until the booking is complete.

CheapOair’s Cheap Deals on rental cars will come from one of its preferred partner agencies including:

• ACE Rent a Car
• Advantage Rent A Car
• Dollar Rent A Car
• E-Z Rent-A-Car
• Fox Rent A Car
• Payless Car Rental

These types of rentals can save you money, but not always. If you’re particular about where you rent from, skip these cheap deals. However, if you don’t care where you rent from, and the price is good, these bookings can be worth it.

Hot Tip: Check out our picks for the best car rental companies , from those offering the cheapest rates to those with the best loyalty programs for regular renters.

Before you complete your rental car booking on CheapOair, you’ll have to choose whether or not to purchase car rental insurance .

This insurance is primary, meaning you don’t have to submit a claim with any other insurance you may have first. It has a $0 deductible and comes with loss and damage coverage up to $35,000.

Before you decide to add this extra insurance, think about what credit card you’re using. Many major credit cards come with car rental insurance built into their benefits.

Here are just some of the options available:

Chase Credit Cards That Come With Car Rental Insurance:

• Chase Sapphire Reserve ®
• Ink Business Preferred card

American Express Credit Cards That Come With Car Rental Insurance:

• Delta SkyMiles ® Gold American Express Card
• Amex Gold card
• Blue from American Express ®

Barclays Credit Cards That Come With Car Rental Insurance:

• Arrival Plus card

Hot Tip: Choosing whether or not to purchase additional car rental insurance can be confusing. To help sort it all out, we created a guide to the best credit cards for car rental insurance .

Now, let’s get to the important part — can renting a car through CheapOair save you money?

Example #1: A weeklong rental of a full-sized car (a Chevy Malibu or similar).

Unfortunately, CheapOair came out as the most expensive in this example, primarily because of the booking fees it charges.

Example #2: The cheapest available option for a weekend rental (regardless of car type).

Again, in this example, CheapOair is the most expensive — more than double the price of the lowest option.

Bottom Line: CheapOair charges booking fees on rental cars, and therefore, is often more expensive than other websites .

CheapOair Vacations

When you need to book a flight and hotel, booking a vacation package through an online travel agency like CheapOair will usually save you some money.

Let’s find out if CheapOair can save you money on your next vacation.

Example #1: A package including a 7-night stay at the Riu Palace Aruba All Inclusive resort plus 2 round-trip tickets from Nashville, Tennessee (BNA) to Aruba (AUA).

• Total cost of vacation package booked through CheapOair: $5,032.71
• Total cost of hotel and airline booked separately through CheapOair: $5,547.93
• Total cost of hotel and airline booked separately through the hotel and airline’s websites: $5,845.26

As you can see, booking this vacation package on CheapOair will save you over $800!

Hot Tip: When searching for a vacation package, pay attention to the flight portion of the package. We found that most of the options were terrible and included long, overnight layovers. When searching for the flight portion of your package, sort your results by Shorter / Direct Flight to see the best flights.

Example #2: A weeklong stay at El Mangroove, Autograph Collection Costa Rica plus 2 round-trip flights from San Jose, California (SJC) to Liberia, Costa Rica (LIR)

• Total cost of vacation package booked through CheapOair: $3,459.63
• Total cost of hotel and airline booked separately through CheapOair: $3,127.14
• Total cost of hotel and airline booked separately through the hotel and airline’s websites: $3,163.57

The good news here is that booking your hotel and flight separately on CheapOair would save you money. The bad news is that the package deal is actually the most expensive option!

The hotel portion of this example was less expensive on the Marriott website, while the flight portion was the least expensive on the CheapOair website. This is a good reason why you should always price out a vacation package before you make a purchase.

When you go to book a cruise on CheapOair , the first thing you’ll notice is that you’ll be taken to Avoya Travel.

Avoya Travel is not a typical online travel agency. Through its site, you can search for a cruise vacation, but you’re required to call to make a booking .

You’ll be able to see some basic pricing information online but to get any final pricing you need to make a phone call or submit your name, email, and phone number to join and unlock member pricing.

Hot Tip:  If you’ve booked your cruise, don’t forget to pack smart with our ultimate cruise packing list (it’s printable!). 

CheapOair has its own credit cards — but are they a good deal?

Here is a quick look at what the CheapOair credit cards offer :

• No annual fee
• $50 statement credit after spending $500 on purchases in the first 90 days
• 6 points per $1 spent on CheapOair purchases
• 4 points per $1 spent on dining
• 2 points per $1 spent on all other purchases

CheapOair rewards points are worth 0.5 cents each . While this card can earn lots of points, the bad news is that those points aren’t worth much and can only be redeemed for flights and hotels on CheapOair .

Hot Tip: There are actually 3 versions of this card — a private label card that can only be used at CheapOair, a Visa version, and a Visa Signature version. There is only 1 link to apply, so it’s unclear which card you’ll get.

If you’re looking for an easy way to earn some valuable points for your everyday purchases, you’re most likely better off with a card that earns transferable points.

Here are a few options that offer great welcome bonus offers plus great rewards categories :

• Ink Business Preferred card : Earns 3 Ultimate Rewards points per $1 on travel, shipping, internet/cable/phone, and advertising through social media or search engines
• Amex Gold card : Earns 4 Membership Rewards points per 1 at U.S. supermarkets and restaurants
• Amex Platinum card : Earns 5 Membership Rewards points per $1 on flights booked directly with the airline or at AmexTravel.com . Starting January 1, 2021, you’ll earn 5x point up to $500,000 on these purchases per calendar year.

If you’d prefer a credit card with no annual fee that also earns points , consider one of these cards:

• Chase Freedom Unlimited ® : Earn 5% on travel purchases through Chase Travel, 3% on dining and drugstore purchases, and earn 1.5% back on all other purchases, or you can choose to redeem your points in the Chase Travel  for 1 cent each. Occasionally, this card offers an additional cash-back amount as part of a welcome offer, so you could earn even more cash-back.
• Citi Double Cash ® Card: Earn 2x points on every purchase — 1x when you make your purchase, another 1x when you pay your bill

CheapOair Rewards

Like many other online travel agencies, CheapOair offers its own loyalty program.

When you first join CheapOair Rewards , you’ll get 500 bonus points to start with. Then you can earn additional points by booking travel through CheapOair.

• Earn 1 to 3 CheapOair Rewards points per $1 spent on flights, hotels, and cars (based on your level of membership, see below)
• Earn 2 CheapOair Rewards points per $1 spent on flights, hotels, and cars booked through the mobile app
• Earn 6 CheapOair Rewards points per $1 spent when you use your CheapOair credit card to pay for flights, hotels, and cars
• Earn 500 points for signing up for CheapOair Rewards
• Earn 500 points for your first booking
• Refer a friend who books through CheapOair and you’ll both earn 5,000 points

• Bronze: Sign up to automatically become a Bronze Member; earn 1 point per $1 spent on flights, hotels, and cars
• Silver: Make 1 booking or spend $1,000 to become a Silver Member; earn 1 point per $1 spent on flights, hotels, and cars
• Gold: Make 2 bookings or spend $2,000 to become a Gold Member; earn 2 points per $1 spent on flights, hotels, and cars
• Platinum: Make 3 bookings or spend $3,000 to become a Platinum Member; earn 3 points per $1 spent on flights, hotels, and cars

You can redeem your CheapOair Rewards points towards flights or hotels. 1 CheapOair rewards point = 0.5 cents.

For every 1,000 points, you can get a $5 gift card to use towards a flight. Or for every 200 points, you can get a $1 discount on a hotel.

Any available CheapOair Rewards you have will be visible in the Price Details section before you enter your payment method. Make sure you’re logged into your account to see your rewards.

Bottom Line: CheapOair offers its own loyalty program. You can earn points by booking flights, hotels, and rental cars, then redeem your points for discounts on flights or hotels. CheapOair Rewards points are worth 0.5 cents each.

CheapOair Promo Codes

One of the nice things about CheapOair is that it offers numerous promo codes right on its website. You’ll see these on the home page, on search pages, and even when you’re ready to check out.

Be sure to read the fine print so you aren’t disappointed. Often the discount code will be based on 2 travelers.

In the example below, this code offers $20 off booking fees, but it’s actually a maximum of $10 each for 2 people. So, you won’t be able to get a $20 discount if you’re just booking 1 ticket.

In addition to the CheapOair website , there are other places to look for coupons and promo codes.

Here are a few websites to check before you make a booking with CheapOair:

• Coupons.com: CheapOair promo codes
• Dealcatcher.com: CheapOair promo codes
• Groupon: CheapOair  discounts and promo codes
• Rakuten : CheapOair coupon codes and cash-back
• Retail Me Not: CheapOair promo codes
• Savings.com: CheapOair coupons and promo codes

Hot Tip: You’ll be able to enter any promo code you have in the Price Details section (usually to the right side of your screen) before you complete your reservation.

CheapOair offers a free mobile app that can be downloaded through the App Store or Google Play .

The app can be used to book flights, hotels, and rental cars. Plus you can track and manage your trips. In addition to credit cards, you can pay with Apple Pay and Android Pay when booking through the app.

You’ll earn 2 CheapOair rewards points per $1 on any reservation booked through the mobile app.

CheapOair is an online travel agency that offers flights, hotels, rental cars, cruises, and vacation packages.

Unfortunately, this site rarely lives up to its name. While there were some instances that CheapOair had lower prices, most of the time, its prices were among the highest. One of the reasons for this is that it charges booking fees.

While it does provide some benefits in the form of a loyalty program, its higher prices will generally negate any savings you may get.

The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Blue from American Express ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.  The information regarding the Barclaycard Arrival ® Plus World Elite Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Blue Cash Preferred ® Card from American Express, click here . For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of the Delta SkyMiles ® Gold American Express Card, click here .

Frequently Asked Questions

Can i get a refund from cheapoair.

Whether or not you’ll be able to get a refund from CheapOair depends on the specific terms of your reservation. Most flights are non-refundable, however, if you cancel the same day you booked, you won’t be charged for your flight.

Hotel reservations can vary from 100% non-refundable to free cancellation within 24 hours. After that, a hotel reservation is subject to a $25 per room fee when canceled at least 4 days prior to check-in.

Can I change my flight on CheapOair?

You can sometimes change a flight you booked on CheapOair by calling its customer service line at 866-636-9088 or 212-478-0335. However, you will be responsible for any difference in fare plus change fees that can be $100 or more per ticket. Some flights can’t be changed at all.

Where can I use my CheapOair credit card?

There are 3 versions of the CheapOair credit card — a private label card, a Visa card, and a Visa Signature card. Either of the Visa versions can be used anywhere Visa is accepted. The private-label version (there will be no Visa logo on the card) can only be used at CheapOair.

How much are CheapOair points worth?

CheapOair rewards points are worth 0.5 cents per point. Keep this in mind if you’re considering applying for its credit card. The rewards categories are decent, but the low points value makes the earning potential minimal.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Cheapoair travel protection worth it.

Traveling can be an exciting and rewarding experience, but it can also be unpredictable. From flight cancellations to lost luggage, there are many things that can go wrong when you’re on the road. That’s why many travelers opt to purchase travel insurance or protection. CheapOair, a popular online travel agency, offers its own travel protection plan. But is it worth the extra cost? Let’s take a closer look.

What is CheapOair Travel Protection?

CheapOair Travel Protection is a plan that customers can purchase when booking flights, hotels, or vacation packages through CheapOair. The plan provides coverage for a variety of travel-related issues, including:

The cost of the plan varies depending on the trip’s total cost, but it typically ranges from $30 to $70 per person.

Is It Worth the Cost?

Whether or not travel protection is worth the cost depends on several factors. First, you’ll need to consider the likelihood of something going wrong during your trip. If you’re traveling during a time when flight cancellations and delays are common, or if you’re visiting a destination with a high crime rate or political instability, travel protection may be a good investment.

Second, you’ll need to look at the cost of the protection plan compared to the potential costs of the issues it covers. For example, if you’re taking a $500 flight and the travel protection plan costs $50, but it provides coverage for trip cancellation, lost baggage, and emergency medical expenses, it may be a worthwhile investment.

What Does CheapOair Travel Protection Cover?

CheapOair Travel Protection covers a variety of issues that can arise during travel. Here’s a closer look at what the plan covers:

Trip Cancellation and Interruption

If you need to cancel or interrupt your trip due to an unforeseen event, such as illness, injury, or a natural disaster, CheapOair Travel Protection can provide coverage for the non-refundable portion of your trip costs.

Emergency Medical Coverage

If you become sick or injured while traveling, CheapOair Travel Protection can provide coverage for medical expenses, emergency medical transportation, and more.

Lost or Delayed Baggage

If your luggage is lost or delayed during your trip, CheapOair Travel Protection can provide coverage for the cost of replacing essential items until your luggage is returned.

Flight Delay

If your flight is delayed due to weather, mechanical issues, or other reasons outside of your control, CheapOair Travel Protection can provide coverage for additional expenses, such as food, lodging, and transportation.

Assistance Services

CheapOair Travel Protection also includes 24/7 assistance services, such as travel and medical referrals, emergency cash transfers, and more.

How to Purchase CheapOair Travel Protection

To purchase CheapOair Travel Protection, simply select the option during the checkout process when booking your travel through the website. The cost of the plan will be added to your total trip cost.

Here are some frequently asked questions about CheapOair Travel Protection:

What is the maximum trip length covered by CheapOair Travel Protection?

CheapOair Travel Protection covers trips up to 180 days in length.

What is the maximum coverage amount for emergency medical expenses?

CheapOair Travel Protection provides up to $10,000 in coverage for emergency medical expenses.

Can I cancel my travel protection plan?

Yes, you can cancel your travel protection plan within 10 days of purchase for a full refund, as long as you haven’t already traveled on your trip.

So, is CheapOair Travel Protection worth it? The answer is: it depends. If you’re traveling during a time or to a destination where issues like flight cancellations or lost luggage are common, or if you’re concerned about potential medical expenses, travel protection may be worth the extra cost. However, if your trip is relatively low-risk and you’re comfortable taking on the potential risks and costs of travel, you may not need to purchase travel protection. Ultimately, it’s up to you to decide whether the peace of mind provided by travel protection is worth the additional cost.

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Traveling is an exciting and rewarding experience, but at times, it can be unpredictable, too. We’ve lost count of how many flights we’ve been on this year, but not all of them were perfect. We’ve experienced flight cancellations and delayed luggage so many times that we’re almost immune to it. Still, this can leave someone feeling overwhelmed. This is why whenever we book cheap flights, we rely on CheapOair as we can also get CheapOair Trip Protection. It really helps mitigate the financial impact of those unpredictable events, allowing us to focus more on our trip and less on the problems out of our control. If you’re interested in this protection plan, read on!

What is CheapOair Trip Protection?

As frequent travelers and digital nomads, traveling is nothing short of exciting. But things don’t always go according to our plans. Even our best-planned trip can be affected by something none of us expected, be it sickness or loss of passports. There were times when we would lose our baggage or have our flights canceled last minute, and trust us, it sucked.

Thankfully, CheapOair has an optional insurance plan that provides us with financial protection for our itinerary. Whenever we want to book cheap flights from the company, we always get a protection plan in case unexpected circumstances happen. That way, we can have peace of mind on our journey.

What does the protection plan cover?

Though CheapOair offers affordable products, its protection plan offers a wide range of coverage options. That way, we can always focus on enjoying our trip. The coverage includes:

For the full information about the covered reasons and maximum benefit amount, you can check out the official travel protection page .

What are the general exclusions?

While the CheapOair Travel Protection Plan is plenty generous, it’s important to note that it does have certain exclusions, meaning it won’t cover losses caused by certain events. There was one time when one of our team members injured himself when he was mountaineering, but it couldn’t be covered since it was considered a high-risk sport. Below are the exclusions:

• Pre-existing medical conditions
• Intentional self-injury
• Acts of war or terrorism
• Mental health issues
• Illegal behavior
• Participation in dangerous activities
• Normal wear and tear of baggage

For the complete list of exclusions, you can refer to the official CheapOair Travel Protection policy documents .

How much does the CheapOair Travel Protection Plan cost?

The cost of CheapOair Trip Protection varies depending on several factors, including the length and cost of the trip. Last month, we purchased flights and a hotel for our upcoming two-night trip to Paris from New York next year. The total base price of our flights and hotel was 932.40 USD. However, since we decided to add a travel protection plan, we had to pay an additional amount of 54.80 USD. One may say it’s pricey, but for that additional safety, we didn’t mind paying the extra cost.

Planning to visit Paris, too? Since it’s the City of Love, you should stay at one of the most romantic hotels in Paris or the hotels in Paris with gorgeous Eiffel Tower views !

How to claim the protection?

Claiming the CheapOair travel protection benefits is easy. We’ve done this a few times, and we never had any problems. All we had to do was prepare all the necessary documents to support our claim, which included a copy of our travel insurance policy, proof of the covered event (in our case, the flight cancellation information), receipts for any expenses incurred due to the covered event, as well as the completed claim form.

To file your claim online, you can visit TripMate or contact customer service at 1-844-777-6859. Based on our experience, the online claim form is easier and faster to do. Just upload the supporting documents, and you’re done. But if you have questions and need answers in real-time, filing by phone may be the better choice.

Once we were done submitting our claim, it was then reviewed, and we waited for only one business day on the status of our claim via email. You should note that the processing time can vary depending on the complexity of our claim.

Is CheapOair Travel Protection worth it?

For us, the CheapOair Travel Protection is definitely worth it. It provides us valuable peace of mind and allows us to enjoy our trip to the max. Here are what we think are the pros and cons of the protection plan.

• Peace of mind: Travel protection provides us peace of mind, knowing that we’re always covered in case of unforeseen events like flight cancelation and illness.
• Financial protection: We’re always reimbursed for our covered expenses incurred because of the covered events. This allows us to save a significant amount of money.
• Convenience: Purchasing travel protection through CheapOair is always easy and convenient as it can be done at the same time as booking our flights.
• Exclusions: All travel protection plans have exclusions, and it’s important to review the details since CheapOair won’t cover certain events or situations that may be important to you.

Should you Travel Protection with your next flight? We'll help you make that decision! https://t.co/il5VxL506r pic.twitter.com/DPQt0KpcfF — CheapOair (@CheapOair) November 21, 2015

Is CheapOair a legitimate website?

Of course! Like any other website, CheapOair has both positive and negative reviews. However, rest assured, as it’s a legitimate travel company and has worked with countless carriers and providers to offer travelers the most cost-effective travel services.

Does trip protection cover flight change?

Normally, trip protection doesn’t cover flight changes made by travelers themselves. However, if they’re initiated by the airline, trip protection may provide coverage.

What is a covered reason for trip cancellation?

The covered reasons for trip cancellation depend on the travel insurance policy you purchase. However, most of them include medical reasons, natural disasters, and terrorism.

Some images on this article are copyrighted by CheapOair .

Author:  Peter S

A travel blogger and the founder of WOW Travel, Peter is a crazy dreamer with an insatiable desire for adventure who could never settle for an ordinary life or conform with the norm. After visiting more than 50 countries, he aims to travel with a purpose and inspire people to do the same.

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Cheapoair Travel Protection Plan Review

Cheapoair is a popular travel website that offers low-cost airline tickets and other services. The company also offers a travel protection plan that provides coverage for trip cancellations, delays, and lost luggage.

The Cheapoair travel protection plan is offered through Travel Guard, a leading provider of travel insurance. The plan is available for purchase through the Cheapoair website.

The Cheapoair travel protection plan provides coverage for trip cancellations, delays, and lost luggage. The plan also provides medical coverage and emergency assistance.

The plan is available for purchase for $69.99 per person. The plan covers trips of up to 14 days in length.

The plan provides coverage for trip cancellations, delays, and lost luggage. The plan also provides medical coverage and emergency assistance.

The Cheapoair travel protection plan is a good option for travelers who want coverage for trip cancellations, delays, and lost luggage. The plan also provides medical coverage and emergency assistance.

• 1 What is trip protection CheapOair?
• 2 What does a travel protection plan cover?
• 3 Does travel Protection cover cancellation?
• 4 Is it worth adding a flight protection plan?
• 5 How do I get a refund from CheapOair?
• 6 Can CheapOair be trusted?
• 7 What is not covered by travel insurance?

What is trip protection CheapOair?

Trip protection CheapOair is a policy that provides reimbursement for prepaid, non-refundable expenses in the event that you have to cancel your trip or are unable to travel due to an unexpected event. This policy can provide coverage for a variety of expenses, including airline tickets, hotel reservations, and car rentals.

There are a few things to keep in mind when considering trip protection CheapOair. First, the policy typically only covers cancellations or interruptions that are caused by unexpected events, such as illness, death, or natural disasters. It is important to read the policy carefully to make sure that you are aware of all of the covered reasons for cancellation.

Second, trip protection CheapOair typically does not cover expenses that you are able to recover from the airline or travel supplier. For example, if you are able to get a refund on your airline ticket, the trip protection policy would not reimburse you for that expense.

Finally, trip protection CheapOair is not always available for all trips. You will need to check with the insurance provider to see if the policy is available for your specific trip.

Overall, trip protection CheapOair can be a helpful way to protect your investment in a trip in the event that something unexpected happens. It is important to read the policy carefully to make sure that you understand what is covered, and to contact the insurance provider if you have any questions.

What does a travel protection plan cover?

A travel protection plan is a type of insurance policy that provides coverage for a variety of potential risks and expenses associated with travel. This can include coverage for trip cancellation or interruption, baggage loss or damage, medical expenses, and more.

Before purchasing a travel protection plan, it is important to understand exactly what is and is not covered. Typically, policies will vary in terms of the level of coverage they provide, as well as the specific risks they cover.

It is also important to note that most travel protection plans do not cover pre-existing medical conditions. So, if you are traveling and are already experiencing a health issue, it is important to check with the insurer to see if your condition is covered.

Overall, travel protection plans can provide peace of mind for travelers, by helping to cover some of the potentially costly risks and expenses associated with travel.

Does travel Protection cover cancellation?

When you’re planning a trip, the last thing you want to worry about is having to cancel it. That’s why it’s important to know whether your travel protection plan will cover you if something comes up.

Most travel protection plans do offer cancellation coverage, but there are a few things you’ll want to keep in mind. First, you’ll need to make sure you purchase your policy before you cancel your trip. And, even if you have coverage, there may be some restrictions on what’s covered. For example, some policies may only cover cancellations caused by a serious illness or injury.

So, if you’re considering purchasing travel protection, be sure to read the policy’s terms and conditions carefully to make sure you understand what’s covered. That way, you can relax and enjoy your trip knowing that you’re covered if something comes up.

Is it worth adding a flight protection plan?

Adding a flight protection plan to your business could be the difference between success and failure. Here’s why.

First of all, a flight protection plan can help you manage your risks. By having a plan in place, you can identify potential risks and take steps to mitigate them. This can help you keep your business running smoothly, even in difficult times.

Second, a flight protection plan can help you protect your brand. If something goes wrong and your business is forced to close, a flight protection plan can help you protect your reputation. This can be important in the event of a closure, bankruptcy or other disaster.

Finally, a flight protection plan can help you protect your employees. If something happens and your business is forced to close, your employees may lose their jobs. A flight protection plan can help you provide them with some financial security in the event of a closure.

So, is it worth adding a flight protection plan to your business? The answer is definitely yes. A flight protection plan can help you manage your risks, protect your brand and protect your employees.

How do I get a refund from CheapOair?

If you’re not entirely satisfied with your CheapOair purchase, we want to make it right. Our hassle-free refund policy guarantees that you’ll get a full refund on eligible airfare purchases made on CheapOair.com.

Here’s how to get a refund from CheapOair:

1. Contact CheapOair Customer Support

First, contact CheapOair customer support and let us know why you’re not satisfied with your purchase. Our team will do everything possible to help you resolve the issue.

2. Request a Refund

If you’re still not satisfied after speaking with customer support, you can request a refund. To do this, fill out our refund request form.

3. Wait for the Refund

Once we’ve received and processed your refund request, it will take 3-5 business days for the funds to be credited back to your account.

If you have any questions about our refund policy, contact CheapOair customer support. We’re here to help!

Can CheapOair be trusted?

When it comes to booking travel, CheapOair is often one of the first names that comes to mind. The company has built a strong reputation for itself by offering cheap fares and a wide variety of travel options. However, is CheapOair to be trusted?

CheapOair is a reputable company that has been in business since 2005. The company is accredited by the Better Business Bureau (BBB), and has an A+ rating. In addition, CheapOair is a registered member of the International Air Transport Association (IATA) and the Airline Tariff Publishing Company (ATPCO).

CheapOair is also a licensed and bonded travel agency. This means that the company is required to hold a certain amount of insurance to protect its customers. In the event that something goes wrong with a reservation, customers are covered.

CheapOair offers a wide variety of travel options, including flights, hotels, and car rentals. The company also offers vacation packages and last-minute deals. CheapOair is one of the few companies that offers tickets for sale on all six of the major global distribution systems (GDSs).

The company offers a 24/7 customer service center. Customers can contact the customer service center by phone, email, or live chat. CheapOair also has a comprehensive website that includes a Frequently Asked Questions (FAQ) section.

So, is CheapOair to be trusted? Yes, the company is a reputable and reliable source of travel information and deals. Customers can be assured that they are protected by the company’s insurance policy and that they will receive quality customer service.

What is not covered by travel insurance?

There are a number of things that are not typically covered by travel insurance policies. These can include pre-existing medical conditions, most adventure sports and activities, and most incidents that occur while you are drunk or under the influence of drugs.

Some policies may also not cover you if you are travelling to a destination that is considered to be high risk, such as Syria or Afghanistan. Additionally, if you are travelling for the purpose of studying or working, your policy may not cover you for medical expenses.

It is important to read the terms and conditions of your travel insurance policy carefully to make sure you are aware of what is and is not covered. If you have any questions, you can always contact the insurance company for more information.

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11 Best Travel Insurance Companies in April 2024

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

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's 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.

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

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

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

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

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

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 a similar note...

• TRAVEL SUPPLIERS

Helping you protect your travel investment, your belongings, and most importantly, you.

A safer way to travel.

INTRODUCING TRIP MATE

Your partner in travel

Travel should be fun and relaxing. But what if something happens? What if you or a family member becomes sick? Your bags are lost or stolen? Or you need to cancel a trip due to an emergency?

On your next trip, protect yourself from the unforeseen with travel protection from Trip Mate.

LEARN ALL ABOUT

Travel Protection

TRAVEL MARKET

As a pioneer in travel protection, Trip Mate has introduced many new products, coverage enhancements, and expanded services for travelers. Our travel protection plans are among the most comprehensive available through travel suppliers, travel agents and other travel professionals.

Partnerships

At the core of all of our services is our partnership with the well respected insurance companies we represent, travel suppliers, travel agents, airlines, cruise lines and, most importantly, to each and every traveler covered by our plans. We are dedicated to exceeding the expectations of our partners.

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What is Travel Insurance and How Does it Work?

Most people have some experience with car, home or health insurance, but not everyone is familiar with travel insurance and how it works. With interest in travel insurance at an all time high after the COVID pandemic, we thought it would be a good idea to explain what it really is.

To help you understand and educate yourself, we’ve answered common questions that people who are new to travel insurance often ask, like “ what is travel insurance? ,” “ what does travel insurance cover? ” and “ how does travel insurance work? ” 

What is Travel Insurance: The Basics

We’ve all heard about canceled flights and lost baggage, but most of us don’t automatically think “do we have insurance and are we covered?” Travel insurance helps protect you from certain kinds of unexpected events that can occur before or during your trip.

Unlike auto insurance, travel insurance is elective, which means it’s up to you to decide if you want it. Ultimately, it’s meant to help you travel with more peace of mind so you can worry less and focus on having a great trip.

Learn more about travel insurance: •  How Much Does Travel Insurance Cost? •  Top 5 Reasons to Get Travel Insurance •  Travel Insurance Comparison: How to Choose the Right Plan

What does travel insurance cover?

The coverage that most people are aware of is  trip cancellation , which provides reimbursement for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a  covered reason , such as sickness, job loss,  flight cancellations  due to adverse weather and more. Similarly, with  coverage for trip interruption  you can recoup trip costs if you can’t continue your trip due to a covered event, and our plans provide reimbursement for additional transportation costs to return home or rejoin your group.

See our full list of travel insurance coverage details and covered reasons

Travel insurance can also include lesser known elements including travel delay, lost, damaged and delayed baggage, medical and emergency evacuation coverage. Different providers offer different plans with a mix of these coverages and more, so be sure to  educate yourself about all the options  before choosing one. One way to tackle this is to determine your specific needs and  find a plan that fits . Don’t be afraid to  ask  your travel insurance provider if you have questions.

Let’s use an example. If you are taking your family on vacation to Paris, then you would probably want a plan that included coverage for trip cancellation and  post-departure coverages  during your trip. These may include Baggage, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation.

Generali Global Assistance offers a  variety of plans  and add-on coverages that will help protect your trip, whether it’s a weekend vacation rental stay or a month-long trek across Europe. Additionally, our  24-Hour Emergency Services, Concierge and ID Theft Resolution services  are included with our plans. These services round out the travel protection plans, so not only can you be reimbursed for certain costs if something goes wrong with your trip, but you can get assistance in real-time when you need it on your trip.

Read more about what travel insurance covers  and what it doesn't cover

How does travel insurance work?

The process for filing a travel insurance claim is similar to car or home insurance. If you get in a car accident or have a water leak in your bathroom, you file a claim.

If something happens during your trip and you need to use your travel insurance, you’ll need to file a claim to be reimbursed. We have a page that explains how to start a claim , a great resource for learning more about the claims process.

Let’s say your baggage is delayed and you need to buy clothes and toiletries, you would submit a claim to seek reimbursement. Travel insurance comes in handy in scenarios like this.

When you’re ready to buy a plan, you can purchase directly from the travel insurance company online . Oftentimes, travel insurance is offered when buying a cruise, airfare or booking a vacation rental . We encourage customers to pay attention to the fine print. For example, a cruise line’s travel insurance may not pay cash to cover a cancelled or interrupted cruise, but instead, offer credit towards a future cruise. If you prefer cash reimbursement, that’s reason to consider purchasing direct from a travel insurance provider instead. Also consider the type of trip you are taking. If you are taking a cruise, then you may want a plan that includes Missed Connection coverage, as our plans do.

Also read:  Why Travel Insurance is Crucial for Cruise Trips

Be sure to bring a print out of your plan documents with you. If you are affected by a storm and can’t get internet or lose power, you still know what number to call and what instructions to follow. 

  Learn more about: How does travel insurance work?

When to buy travel insurance

As with all things in life, timing is everything, especially when it comes to deciding when to buy travel insurance . Travel insurance is designed to protect you against unforeseen events, which means it is meant to be bought before an event occurs. For example, you would not want to buy travel insurance after you decided to cancel a trip, for the same reason that you can’t buy car insurance to cover an accident that has already occurred.

It’s best to buy your plan when you book your trip so you are eligible for coverages that apply prior to departure. For example, if you break your leg and need to postpone hiking in the Alps, then you could be covered. 

Get the right travel protection plan for you

Should you buy travel insurance?

Now that we’ve covered the basics, we can tackle the big question. Should you buy travel insurance? There are a few major factors to consider before determining if travel insurance is right for you: cost, destination and who is traveling.

If you can’t afford to lose the amount you’ve invested in your trip, then you should probably consider travel insurance. If you’re traveling far , maybe around the world, or to a remote area where the nearest hospital is many miles away, then a travel protection plan could help save the day. It’s impossible to know what might happen to you or a traveling companion that could throw a wrench in your travel plans, especially if travelers include children or the elderly , who might be more vulnerable, travel insurance may help you rest easier before and during your trip. 

Also read:  Do You Really Need Travel Insurance?

Travel Insurance Questions Answered

What is travel insurance?

• Is Travel Insurance Worth It? 3 Examples Where it Pays Off
• Guide to Understand, Purchase and Use Trip Insurance
• How Travel Insurance Can Help When You Fly
• See detailed answers to your travel insurance coverage questions
• Are You Protected? How Travel Insurance Can Help During Your Trip
• Travel insurance in the USA: Why insure your trip even if you're not leaving the country
• Does Travel Insurance Cover the Flu or Other Illness?
• Travel Insurance Comparison: How to Choose the Right Plan
• When to Buy Travel Insurance: Timing is Everything
• How Travel Insurance Covers You and Your Belongings While Away

Travel Resources

1.   U.S. Travel Insurance Association

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As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

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