travel insurance discount codes 2023

20% Off Allianz Travel Insurance Promo Code (1 Active) 2024

AllianzTravelInsurance.com Coupon: Get an Exclusive Benefits When You Create an Account at Allianz Travel Insurance

See Today's Travel Insurance Deals at Amazon + Free Shipping w/Prime

Get a $100k Funded Trading Account at TopStep Trader!

Get 30% Off Travel Insurance Using These Allianz Travel Insurance Competitor Coupons (Active Today)

Try these unverified codes for allianz travel insurance and get up to 30% off if they apply to your purchase, why search for allianz travel insurance coupons.

eBay Savings: Save Up to 30% on Travel Insurance at eBay

Allianz Travel Insurance Deal: Get Up to 20% Off Travel Insurance at Walmart (Free Next-Day Shipping on Eligible Orders $35+)

Unverified promo codes for allianz travel insurance, allianz travel insurance promo code: extra 5% off sitewide, allianztravelinsurance.com coupon code: 20% off eligible items, try this seasonal discount code at allianztravelinsurance.com, allianz travel insurance promo codes: complete timetable.

Knoji is the largest database of AllianzTravelInsurance.com coupons and Allianz Travel Insurance discount codes online. Our massive community of shoppers adds over 10,000 coupons per day and makes thousands of coupon edits, ensuring we have every working Allianz Travel Insurance code available while minimizing the likelihood that you'll run into an expired code.

Every promotional code displayed on this table has been hand-verified by multiple members of our community. We show you this table so you have a complete record of Allianz Travel Insurance promo codes , including older promotions that you can test yourself on Allianz Travel Insurance's website. (In some cases, Allianz Travel Insurance may have reactivated older codes, which may still work for discounts at allianztravelinsurance.com).

Why Trust Knoji for Allianz Travel Insurance Coupon Codes

Verified allianz travel insurance promo codes, site-wide discount codes, email discount codes, allianz travel insurance free shipping coupons, community-powered savings, earning rewards.

• Active Contributors (Last 30 days): 3,204 Our vibrant community of savings enthusiasts actively shares and verifies promo codes, helping everyone save more.
• Codes Added (Last 30 days): 125,371 We constantly update our database with the latest promo codes, ensuring you never miss a chance to save.
• Codes Tested (Last 30 days): 590,818 Our advanced AI algorithms and community members rigorously test codes to guarantee their validity.
• Number of Working Codes: 973,878 We maintain an extensive collection of real-time, working promo codes for your favorite brands.
• Number of Merchants With Working Codes: 96,117 From major retailers to niche brands, we have working promo codes for a wide range of merchants.

Allianz Travel Insurance: How to Save Money and Find Coupon Codes

Allianz travel insurance coupon stats, allianz travel insurance coupon faq, is allianz travel insurance offering any coupons today, how often does allianz travel insurance release new coupons, how do i find allianz travel insurance coupons, what's allianz travel insurance's best coupon discount right now, how do i use my promo code for allianz travel insurance, does allianz travel insurance offer loyalty programs, how to apply your allianz travel insurance discount code, holiday insurance products promo codes and deals - active today, why knoji is the best source for allianz travel insurance promo codes, coupons & deals.

Looking for a travel insurance discount in August 2024?

Enjoy a travel insurance promo code or coupon on us..

In this guide

Save now with these travel insurance coupon codes

Compare your travel insurance quotes.

• Travel insurance - when to buy & how to save

How will a coupon code help me?

What are the pros and cons of using an online promo code, how do i use my coupon code, travel insurance providers offering coupon codes on finder.com.au, why use travel insurance coupon codes, how to save on travel insurance, traps to watch out for when looking for a deal on travel insurance.

Destinations

• These travel insurance promo codes offer discounts on your travel insurance policy so you can spend less on insurance and more on your trip.

Save 10% on InsureandGo policies with Finder

Get 10% off Freely travel insurance policies

Qantas Travel Insurance’s BIGGEST offer ever is on now

Get 12% off Kogan travel insurance policies

Get 10% off on Tick travel insurance policies

ahm and Medibank members get 10% off travel insurance

Earn Velocity Points with Cover-More

Get 8% off your Wise and Silent policy

15% off travel insurance for Medibank Private members

Add kids under the age of 1 by typing a “0” 0 traveller(s)

Include travel deals and helpful personal finance content from Finder

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Travel insurance - when to buy & how to save

Travel insurance coupon codes are online promo codes that allow you to save money when you buy travel insurance. Simply by entering one of the codes above when you buy a policy online from one of our travel insurance partners, you can access a discounted premium. This means you can enjoy all the benefits you would usually expect when you purchase travel insurance, but with the added bonus of substantial savings off the normal price of cover.

Thinking of using a coupon code to help save money on the cost of travel insurance for your next trip? Make sure you consider the pros and cons first.

• Save money. Yeah, obviously! With these coupon codes at your disposal, you can pay less for travel insurance – it’s as simple as that.
• Quick and easy. You don’t need to fill out any complicated forms or sign up to any spam email marketing service; all you need to do is enter the relevant code when you buy a policy.
• Variety. Finder.com.au offers coupon codes from a number of travel insurance providers, which means there are several options to choose from when searching for cover.
• Wide range of policies. Travel insurance coupon codes can also be used across a range of policies, allowing you to choose cover that suits your needs.
• You may need to look past the cost. The premium is far from the only factor that determines whether a travel insurance policy is right for you. You should also look at policy features, limits and exclusions when choosing an insurer.
• Terms and conditions can apply. Make sure you’re aware of any terms and conditions that apply to travel insurance discounts.
• Not all policies may be discounted. Some insurers only offer discounts on particular policies, so make sure that you're getting the policy you want.
• The discount may only be available for a limited time. Some discounts are offered for a short period, so don't miss out.

Using a finder.com.au coupon code is quick and easy. All you have to do is follow a few simple steps:

• Review the current coupon codes listed above and choose the one you want
• Click on the relevant link to view the code for your chosen travel insurer
• By clicking on the link, you will also be taken to the insurer’s website so you can obtain a detailed quote
• Review your travel insurance quote. If you’re happy with the cost of cover and the features the policy offers, proceed to checkout
• Enter your coupon code in the field provided during the checkout process. Click “Apply” if necessary
• The coupon code discount will be automatically deducted from the cost of your policy
• Pay for the policy and hit the road with peace of mind!

Tick Travel Insurance offers simple and straightforward travel insurance policies to suit the needs of a wide range of travellers. For discount travel insurance tailored to your requirements, check out our Tick coupon codes.

youGo offers discount travel insurance to offer financial protection against a broad range of travel risks. Browse our youGo travel insurance coupon codes to save money when purchasing cover for your next trip.

Why should you use a travel insurance coupon code? Because you could save money, that’s why. We could all do with a little extra spending money on our next holiday, and using coupon codes is a simple way to save when buying travel insurance and keep more money in your own pocket.

Just by copying and pasting one of the codes above, you could enjoy substantial savings on the cost of travel insurance. Our range of travel insurance coupon codes is also constantly updated, so make sure to check back with us whenever you’re planning your next holiday for the latest deals and discounts.

Coupon codes aren’t the only way you can save money on travel insurance. Keep the following tips in mind to help cut the cost of your premium:

• Buy online. Travel insurance from travel agents and airlines tends to be far more expensive than insurance purchased online, simply because many travel agents and airlines charge a commission on top of the price of cover. When you use finder.com.au, you'll pay the same as going direct.
• Choose a lower level of cover. It shouldn’t come as a surprise to find that the lower the level of travel insurance cover you choose, the cheaper your premium will be. So if the cost of cover is important to you, consider choosing a basic policy rather than comprehensive cover, and remember to remove any optional extras you don’t need.
• Consider multi-trip cover. Are you a frequent traveller? If so, buying a separate travel insurance policy for every trip you take can add up to be quite expensive. That’s why it could be worth your while considering annual multi-trip insurance , which covers all your holidays across a 12-month period and works out to be much cheaper for regular travellers.
• Purchase a joint policy. If you’re travelling with a friend or relative, it can be quite expensive if each of you purchase separate travel insurance policies. But if you pool your resources and buy a joint policy, you can enjoy significant savings.
• Adjust your excess. Many insurers allow you to choose the excess amount payable when you make a claim. By shifting to a higher excess, you can enjoy lower premiums.
• Student discounts. Students tend to travel on a tight budget, so saving a little extra money on your travel insurance cover is always welcome. With this in mind, you may want to hunt around for an insurer that offers discounted cover for student travellers.
• Senior discounts. If you’re over 55 years of age and no longer working full time, some insurers will offer discounted travel insurance for seniors . Check the fine print or contact the insurer directly to find out whether they offer any seniors discounts.
• Group discounts. Travelling as part of a group? Use your strength in numbers to negotiate a better deal on your travel insurance policy.
• Find cover for the whole family. If you’re planning a family holiday, did you know that many insurers will cover your children and other dependents travelling with you free of charge? This can help reduce the cost of cover, so check the fine print to find out whether your insurer offers cover for the whole family.
• Shop around. Last but definitely not least, make sure to shop around for the best policy. This will not only help you find the most affordable cover, but more importantly, it will allow you to choose the policy that provides the best value.

For more tips on travel insurance discounts and savings, check out our guide to reducing your travel insurance premium . Otherwise, choose the discount you want from those listed above and enjoy the savings on offer.

It can be easy to snatch up the policy offering the lowest premium when comparing policies but doing this could leave you drastically underinsured. Here are some key points you may want to consider when looking for value for money travel insurance:

• Benefit excess: Low cost policies may have higher excesses applied for the payment of benefits. It is important to work out what you stand to pay in excess charges prior to application.
• Deterioration: Many policies will take into consideration the “wear and tear” of items when determining the benefit that will be paid. It can be worth assessing how this will be applied on your policy.
• Exclusions on the policy: Many low cost policies have many exclusions for claim payment in place. As stated previously, it can be worth comparing the exclusions of policies prior to application.
• Documentation required: It can be helpful to get an understanding what documentation your insurer will require in order for a claim to be paid. Many insurers will require either a receipt or valuation document for some types of claims, for example.
• Limits on valuable items: Basic policies will generally only provide cover for items up to a certain value. You may want to consider registering any high-value items prior to departure to ensure adequate cover is in place.
• Activities covered: Insurer will often have a complete list of the sports and activities that they are willing to cover under the policy. Many basic policies do not provide cover for potentially risky activities. If you are going to be participating in any high-risk activities on your trip, it might be worth considering a specialist policy.
• Don’t ignore warnings in the media or from the government: Many insurers will not honour claims for events that have taken place in countries that have been recommended as no-travel areas by the government or mass media, or for claims resulting from the events warned about in travel advisories. It can be worth checking travel advisories before heading overseas, and checking whether your policy covers you there.

Zahra Campbell-Avenell

As former Head of Publishing and Editorial for Finder in Australia, Zahra Campbell-Avenell led a team of experts to deliver on Finder's mission to help people make better decisions with their money. Zahra has over 12 years of experience in editorial content, and a Bachelor of Arts in Anthropology and English from Georgetown University in Washington DC. See full bio

More guides on Finder

Hitting the slopes? Avoid huge bills by getting ski travel insurance for your trip.

Find out how domestic car rental excess insurance could save you thousands.

Find travel insurance to enjoy Sri Lanka, and learn more about how you're protected overseas.

Ready to get moving? See quotes and compare travel insurance policies for Indonesia from 16 brands

Why do volunteers need travel insurance? Who should provide it? What should it cover? This guide looks at volunteering in general and doing overseas volunteer work.

Finder examines an average travel insurance policy with useful tips on how to get value out of your policy.

Everything you need to know about travel insurance for your gadgets and electronics.

Keep yourself and your belongings safe on your European escape by comparing insurance polices today.

Whether your are travelling regularly for business or a senior travelling one time, compare policies from AIG Travel Insurance. Review AIG policy features and take out cover online.

Ask a question

Click here to cancel reply.

You are about to post a question on finder.com.au:

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com.au is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

8 Responses

Age 83. Had heart stent 8 years ago. Want travel insurance for all but heart problems. (Have traveled frequently in last 8 years- no problems). Where to find?

Thank you for your question.

If you had a heart stent before, this is generally considered a pre-existing heart condition. If you would like to get a travel insurance, you may compare your options from our list of travel insurance for pre-existing heart conditions .

The insurers will typically assess your condition by phone or online questionnaire before they could provide a quote. Please feel free to click the name of the insurer and press the “Get quote” button if available request a quote.

Please make sure that you’ve read the relevant T&Cs or PDS of the product/ policy before making a decision and consider whether it is right for you.

I hope this helps.

Cheers, Anndy

I am 84 years of age and am quite fit and have no ongoing health problems however when I ask for a travel insurance quote and state my age I am told that they don’t cover older people. Where can I get an insurance company that will insure me on my next trip and not having to pay huge markups because of my age?

Thanks for reaching out.

You can refer to our page that lists insurers who offer insurance for people of your age . Simply fill out your travel details on the comparison form and click “Get a quote now” to receive and compare quotes from various travel insurance brands. There’s also a comparison table on the same page for you to quickly get an overview of what each insurance brand offers.

Please make sure to disclose all relevant information about your medical history to your insurer when you apply for cover. Failing to do so could result in your cover being void when it comes time to make a claim.

Cheers, Liezl

I am looking for codes for travel insurance companies

Actually, you are currently present on the correct page in regards to travel insurance promo codes. In the top of the page, you can see listed promo codes from some of the travel insurance brands in our panel.

Cheers, Zubair

I have heard of people being sick on cruise ships and having to be airlifted back to australia. Which insurance companies provide cover for this?

Thanks for getting in touch. Whether or not you’ll have cover for medical evacuation and repatriation will depend on the policy you choose. You can find out more about this topic by reading our article on travel insurance for medical evacuation .

Cheers, Richard

How likely would you be to recommend Finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

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 nearly all plan levels. 

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.

» Jump to the best cards with travel insurance

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.
• Offers direct billing.
• 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.

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 some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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

IHG One Rewards Premier Credit Card

Earn 5 free nights at an IHG property after $4k in spend (each night valued at up to 60k points).

5 Best Cheap Travel Insurance in 2024 (plus DISCOUNTS)

Home | Travel | 5 Best Cheap Travel Insurance in 2024 (plus DISCOUNTS)

When traveling abroad, get a policy from one of the  best travel insurance companies . You can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

If you’re taking a trip and looking for the best cheap travel insurance , you’ve come to the right place. Travel insurance may not be the most exciting topic, but it’s an essential part of planning a trip , so make sure you don’t leave home without it!

Besides, you can find affordable travel insurance for all types of budgets, so rest assured that you can get great coverage without spending a lot of money. In this guide, I’ll share the 5 cheapest international travel insurance companies to help you find the perfect fit for your trip needs.

5 Best cheap travel insurance in 2024

I will say upfront that we use Heymondo for all our trips. It’s one of the best travel insurance companies out there, offering tons of coverage and competitive prices. Plus, Heymondo is the only provider that pays your medical expenses upfront , so you don’t have to pay out of pocket and file a claim for reimbursement. Plus, you can get a 5% Heymondo discount just for being a Capture the Atlas reader.

5% OFF your travel insurance

Of course, there are other great options, such as SafetyWing , a cheap travel medical insurance that’s perfect for those on a tight budget who don’t mind having a deductible. Keep reading to see all the best options, compare prices, and see what inexpensive travel insurance should include.

Top 5 cheap travel insurance companies in 2024

In this guide, you’ll find the 5 best cheap travel insurance companies of 2024, so I’m sure you’ll find an option that’s perfect for you. To sum up, these are my top 5 recommendations:

• Heymondo , the best cheap travel insurance company
• SafetyWing , the best medical-only cheap travel insurance
• IMG , the best budget travel insurance for seniors
• Trawick International , a cheap travel insurance for pre-existing conditions
• Travelex , a cheap travel insurance for families

Keep reading to learn more about each company, including its prices, coverage limits, and other benefits, as well as a chart comparing the cheapest travel insurance policies.

Best cheap travel insurance price comparison

Before I get into details about each of these cheap travel insurance companies , I want to give you an overview of their prices and benefits. This chart will let you see each provider’s price per person, deductible, and coverage limits at a glance.

For this cheap travel insurance comparison , I used the example of a 30-year-old traveler from Canada who was going to Costa Rica for one week with a trip cost of $2,500. I also chose the most affordable plan for each company:

As you can see, Heymondo and SafetyWing are the two cheapest international travel insurance options. While Heymondo costs more, it also offers much higher coverage limits than SafetyWing, which is why it’s our favorite. It’s also the only provider that pays your medical expenses upfront , so you don’t have to pay out of pocket.

IMG Global, Trawick International, and Travelex offer similar coverage in some categories, but they also cost more. I recommend reading about each company below so you can determine which one best suits your needs .

1. Heymondo , the best cheap travel insurance company

Heymondo is one of the best cheap travel insurance companies overall, offering a high amount of coverage at a great price. With Heymondo, you’ll have comprehensive travel and medical-related benefits, including emergency medical expenses, trip cancellation insurance , and baggage loss.

There is also a $0 deductible for single-trip and annual multi-trip insurance, and the deductible for long-stay travel insurance is just $250 per claim. Best of all, they’re the only company that pays your medical bills upfront , so you don’t have to pay any medical bills and file a claim later to get a reimbursement.

Heymondo was also one of the first providers to include COVID coverage in its policies, which set the bar for other insurers. Moreover, the 24/7 traveler assistance app is another testament to Heymondo’s dedication and customer service. You can use it to get in touch with a team of doctors for advice and recommendations for the nearest clinic or hospital.

For all these reasons, we’ve been traveling with this insurer for 5 years, and we have a detailed Heymondo insurance review that you can read for more information. Overall, it’s the best value for money, and for just a bit more, you can upgrade your coverage to include adventure sports, cruises, and electronics.

Right now, we have the annual multi-trip policy from Heymondo, which is the cheapest international travel insurance for frequent travelers. If you decide to purchase from Heymondo, don’t forget to take advantage of our 5% Heymondo discount code by using our link .

2. SafetyWing , the best medical-only cheap travel insurance

Another affordable travel insurance to look into is SafetyWing . Their Nomad Insurance plan offers excellent, budget-friendly medical coverage with some travel-related benefits like baggage loss.

One of the most unique things about SafetyWing is that you can get coverage in your home country for 30 days after you’ve been abroad for 90 days, so it’s a good deal if you want supplementary protection for any medical issues. Moreover, this is a good, cheap travel insurance for families since it offers free coverage for up to two kids under the age of 10.

Keep in mind that while SafetyWing has cheap travel medical insurance , it focuses mostly on health-related benefits like emergency medical expenses and COVID coverage. That said, if you’re fine with having medical-only insurance for travel , it’s one of the best deals.

Another drawback of SafetyWing is that it has a $250 deductible per claim, so you’ll have to pay $250 toward your medical bills before the company will cover the rest. If you don’t want a deductible, Heymondo is a good alternative.

3. IMG Global , the best budget travel insurance for seniors

If you’re looking for travel insurance for seniors , then IMG Global is one of the best options. Finding budget-friendly travel insurance for seniors can be super tricky, but IMG Global has a plan specifically designed for travelers 65 and older.

The GlobeHopper Senior Single Trip plan offers travel and medical-related benefits and the option to choose a maximum coverage limit of $50,000, $100,000, $500,000, or $1,000,000. It’s also one of the few cheap travel insurances for pre-existing medical conditions , so it’s ideal for older travelers. While there aren’t as many travel-related benefits with this plan, it does offer lots of flexibility, as customers can choose a deductible of $0, $100, $250, $500, $1,000, or $2,500.

And for other travelers, IMG Global’s iTravelInsured Travel Lite plan is a good deal, with a $0 deductible and a good amount of coverage in all travel and medical-related categories. This includes emergency medical, evacuation, and trip cancellation/interruption benefits. In fact, its trip cancellation covers a wide range of reasons, including work transfers, job loss, passport/visa theft, natural disasters, and injury/illness.

However, this plan is among the most expensive options we found, so if you’re looking for cheaper single-trip travel insurance , I recommend Heymondo .

4. Trawick International , an affordable travel insurance for pre-existing conditions

Trawick International is another cheap travel insurance for pre-existing medical conditions , so if that’s something you’re looking for, I suggest getting a quote.

The company’s Safe Travels Explorer Plus plan is just a few dollars more than the Safe Travels Explorer plan, so it’s worth shelling out a bit more for its comprehensive coverage. This includes emergency medical expenses, repatriation, trip cancellation, baggage loss, and more, plus a $0 deductible. You can even add cancel for any reason travel insurance to your policy.

While Trawick International offers travel insurance for pre-existing conditions , you must purchase your plan within 7 days of the initial trip deposit date to enjoy this benefit. Also, it’s worth noting that the medical expenses coverage is on the lower end, at $250,000. If you don’t have a pre-existing medical condition and want higher medical coverage, you can get about five times more protection by going with Heymondo .

5. Travelex , a cheap travel insurance for families

Finally, Travelex is another cheap travel insurance company and a great option if you’re looking for domestic travel insurance for the USA . Travelex’s plans are affordably priced and offer comprehensive protection, including coverage for pre-existing medical conditions.

You can choose from the Travel Basic or Travel Select plan, although we recommend the latter, especially if you have a pre-existing condition or want a higher amount of coverage. That said, make sure to purchase your policy within 15 days of your initial trip payment so you receive a Pre-existing Medical Condition Exclusive Waiver.

Additionally, Travelex is a good option to consider if you want cheap family travel insurance since kids under 17 are included for free. Plus, you can upgrade your coverage to include things like rental cars, Cancel for Any Reason, and extra medical coverage.

Travelex’s benefits include coverage for baggage loss, trip cancellation, trip interruption, and evacuation and repatriation. While it also offers emergency medical expenses coverage, the limits are quite low, especially considering the price.

Also, for Canadian residents, there is a medical-only plan, which could be a good option if you’re looking for cheap medical-only travel insurance .

What does cheap international travel insurance cover?

When looking for the best deals on travel insurance , remember to check the policies carefully so you understand what’s included. Some cheap travel medical insurance plans include higher amounts of coverage compared to others with similar prices, so it gets a bit tricky.

Below, you’ll find the most important things to consider when browsing affordable travel insurance .

Emergency medical coverage

First, emergency medical expense coverage is one of the most crucial aspects of any cheap travel health insurance . You want to be covered for any unexpected costs that arise from an injury or illness while abroad. Emergency medical coverage includes things like hospitalizations, doctor-prescribed tests, treatments, and even dental procedures.

Emergency medical coverage with cheap travel insurance

Again, this is one of the most important benefits to look for, even if you want inexpensive travel insurance . It’s worth paying a bit more for a high amount of coverage, especially if you’re shopping around for travel insurance for the USA , where healthcare costs are through the roof.

Medical evacuation & repatriation

Another thing to look for when browsing the cheapest holiday insurance is medical evacuation and repatriation. The costs for these services are super expensive, so having this type of coverage is essential.

With medical evacuation and repatriation protection, you’ll be covered if you need to be transported from a remote area to a hospital or from your travel destination to your home country due to a serious injury or illness. It’s easy to overlook this benefit but should something happen and you don’t have this coverage, it could result in a huge financial loss.

Medical evacuation & repatriation coverage

Should an emergency arise, you don’t want to delay getting proper medical care, so having this type of coverage is very important!

Covid-related coverage

As I mentioned, Heymondo was one of the first providers to cover COVID-19 the same as any other illness, and many other insurance companies soon followed suit. While the height of the pandemic is over, it’s still worth having COVID coverage.

Besides, most cheap international travel insurance includes this type of coverage, so it won’t increase the price of your policy. If you do happen to contract COVID during your trip, you’ll be covered for the medical and travel-related expenses.

The exact terms and conditions depend on the company, but most insurers cover travelers for COVID testing, treatment, and quarantine.

Trip cancellation (and trip interruption)

Another thing you’ll want your plan to include is some type of trip cancellation coverage. This usually covers reasons like illness, inclement weather, strikes, and jury duty. However, you should always double-check your policy since providers vary on what they will and won’t cover.

Trip cancellation and trip interruption benefits

Also, be aware that cheap travel insurance typically doesn’t include Cancel For Any Reason (CFAR) but may offer it as an add-on. You can check our guide on the best cancel for any reason travel insurance for more information.

Along the same lines, trip interruption coverage will reimburse you if you need to cut your trip short due to a serious illness, injury, or the death of a family member. When buying cheap travel insurance , check to see if this benefit is included and what exactly falls under this category.

Lost or stolen baggage & delays

Lastly, baggage loss is something that even the most affordable travel insurance plans should cover. Anyone who has traveled knows that there is always the risk of your luggage getting lost, damaged, or delayed, so having this type of coverage is a good idea.

Under this benefit, you’ll receive a reimbursement so you can buy new toiletries, clothes, and other essentials if something happens to your luggage. The amount depends on the particular plan you choose.

What’s not covered by cheap travel insurance?

Now that you know the most important things to look for when shopping for travel insurance on a budget , let’s talk about what’s not covered. While cheap travel insurance can definitely offer comprehensive coverage, some policies only cover medical-related expenses, so you won’t be covered for travel-related issues.

Others exclude certain things like coverage for pre-existing medical conditions, natural disasters, and fear of travel. Again, it’s crucial that you look over your policy carefully so you know exactly what you’re getting.

Tips for buying travel insurance on a budget

Getting cheap international travel insurance isn’t just a matter of purchasing the least expensive policy you see. To get the best bang for your buck, keep these tips in mind:

• Pay attention to the policy limits to make sure you’re getting the best deal on travel insurance . While you might find lots of plans with low prices, that doesn’t mean they all offer the same amount of coverage.
• Buy at the right time . It’s better to purchase a policy as soon as you book your vacation so you know the exact price of your trip (this makes the claims process easier). Also, if you buy your policy just after booking your trip, you will have more benefits regarding the cancellation coverage.
• Shop around and compare cheap travel insurance policies from different providers.
• Only buy what you need and decline any unnecessary extras. For example, if you just need medical coverage, you don’t need to bother with things like trip cancellation and baggage loss coverage.
• If you travel more than three times a year, consider getting annual multi-trip insurance , which will save you money in the long run.
• Check to see if your credit card has travel insurance benefits . Some cards offer protection for trip cancellation or delayed/lost baggage (I’ll touch on this later).

By keeping these tips in mind, you can find cheap travel insurance for any type of trip.

Medical-only vs. cheap travel insurance

As you’re shopping for low-cost travel insurance , you’ll probably come across medical-only travel insurance . While they’re both affordable options, they aren’t the same, so it’s important to know the difference.

Cheap international travel insurance includes both medical and travel-related coverage. This means that you’ll be covered for health emergencies like sicknesses and injuries, as well as trip cancellation and baggage loss.

On the other hand, medical-only travel insurance will only apply to medical-related scenarios, and the coverage limits tend to be a lot higher. Of course, this really comes in handy when you’re traveling to countries where healthcare is exceedingly high, like the United States or Japan.

For our trips, we like to have insurance that covers medical and travel-related situations, which is why we always go with Heymondo travel insurance plans. This way, we’re covered for medical emergencies, trip delays, lost baggage, evacuation, repatriation, and more.

Is getting affordable travel insurance worth it?

Without a doubt, travel insurance is worth it , always! When you travel as much as us, you realize that anything can happen while you’re abroad, so it’s always a good idea to be prepared. We’ve had several scary experiences and mishaps, and if it weren’t for our annual travel insurance from Heymondo , we would’ve been stuck with huge headaches and financial losses.

Here are just a few examples of times when we’ve had to rely on our insurance:

• We had our most traumatic experience in the Peruvian Amazon when our boat capsized and tossed all of the passengers and their bags into the river . We were carried away by the water for about 15 minutes before we were able to get rescued and climb back on land. While Dan and I didn’t need medical attention, we lost a lot of equipment, including a couple of laptops and cameras, several lenses, two hard drives, and our passports. Fortunately, we were able to contact Heymondo via their 24/7 app, and they helped us connect with the Spanish embassy to return to Spain for new passports. Plus, our policy included $750 dollars each for Dan and me to cover our lost equipment.
• A less dramatic but still terrifying incident occurred in Alaska when Dan’s drone hit a tree and fell on me, cutting up my hand . I got freaked out by all the blood, and, in a rush, we drove to the nearest hospital for medical care. If we had contacted Heymondo first, they would’ve arranged the medical payments in advance, but since we forgot to, we had to pay the $3,000 bill upfront. Heymondo quickly reimbursed us, of course, but imagine if we hadn’t had trip insurance!
• In Ecuador, Dan got a stomach sickness that led to a hospital visit. Luckily, with our cheap holiday insurance , we were covered for this emergency medical expense.

So yes, getting insurance is totally worth it! Best of all, there are affordable travel insurance plans out there, as you’ve seen in this guide, so there’s no reason not to get it.

Credit cards with cheap travel insurance benefits

The last thing I want to touch on involves getting cheap travel insurance with one of the best credit cards for travel . While not all cards have this benefit, some offer trip cancellation protection or reimbursement for lost or delayed baggage.

For example, the Chase Sapphire Preferred credit card is one option that offers cardholders coverage for trip cancellation and interruption, as well as baggage loss/delay coverage. So, if you’re thinking about buying cheap travel insurance that mostly covers medical-related expenses, you might want to look into a credit card with travel-related benefits.

That said, I still recommend investing in a good travel insurance policy, especially if you’re a frequent traveler. You can find the best deals on travel insurance by looking into any of the providers I mentioned in this guide.

FAQs – Cheap travel insurance

To end this guide, I’m sharing the answers to the most common questions about affordable travel insurance :

What is the best affordable travel insurance?

In my opinion, Heymondo has the best cheap travel insurance on the market, although it’s also worth looking at SafetyWing , IMG Global , Trawick International , and Travelex .

How much does travel insurance cost?

You can buy cheap travel insurance for under $10 per week, although the amount of coverage varies.

What are the different types of budget travel insurance?

You can find cheap medical-only travel insurance or affordable insurance with travel and medical-related coverage.

The best cheap travel insurance covers emergency medical expenses, repatriation, baggage loss/delay, and trip cancellation.

What’s not covered by cheap travel medical insurance?

Some budget travel insurance policies won’t cover pre-existing conditions or travelers over a certain age.

When should I get travel insurance if I’m on a budget?

You should purchase your travel insurance as soon as you book your holiday.

Is buying cheap travel insurance worth it?

Yes, even if it’s a cheaper travel medical insurance , it’s still worth getting. This way, you’re covered in case anything goes wrong during your trip, so you can focus on enjoying yourself.

I hope this guide helps you find the best affordable trip insurance for your needs. Don’t forget that you can save money on a Heymondo policy by using our link .

If you have any other questions about budget travel insurance , feel free to leave me a comment below. I’d be happy to help you out.

Until then, have a great trip, and don’t leave home without travel insurance!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

InsureandGo Promotional Codes

Are you keen to save on   travel insurance ?

We understand the true value of our customers and their passion for all things travel, and that’s why we offer regular discounts and promotional codes to help you save on your   travel insurance purchases .

To redeem any active discount simply enter the code into the promo code box when buying online, or mention the code over the phone when booking with our customer service team.

If you don’t have a code, follow us on Facebook, we often have discounts on insurance, and you’ll stay updated with travel tips and trends .

We are offering you 10% off your travel insurance.  Enter the code “Offer10” and save on your next policy.

Why Travel With Us?

Most Common Questions

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours, as long as you eventually go on the holiday.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

Our Gold policies cover your rental car excess up to $8,000 for International policies and up to $7,500 on Domestic policies. However, you need to make sure that the rental car is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess. Please note, motorbikes are excluded.

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement.

Follow us to keep up to date with competitions, giveaways and all things travel

**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

Good To Go Insurance Discount Codes August 2024

Find working voucher codes, sales & offers.

Find the latest Good To Go Insurance discount code, sales and savings for August below - powered by our community of over 3 million bargain hunters. Promo not working? We're really sorry but let us know and you can earn free gift cards!

Good to Go Travel Insurance 10% Discount Code at Good To Go Insurance

Goodtogo Insurance 10% Discount Code at Good To Go Insurance

Good to go travel insurance 20% discount code at good to go insurance, 10% off travel insurance at good to go insurance.

Active Good To Go Insurance Offers

Hints & tips.

• What our expert thinks about Good To Go Insurance

How to use Good To Go Insurance discount codes

Good to go insurance sales, buyer's guide, good to go insurance overview, what does good to go insurance sell, frequently asked questions, delivery & returns.

• Good To Go Insurance Reviews

Alternatives to Good To Go Insurance

Looking to protect your holiday without breaking the bank? Why settle for overpriced cover when Good To Go Insurance offers travel policies tailored to all? From single trips to annual coverage, isn't it time you explored smarter savings? Dive into their deals, armed with discount codes, and isn't peace of mind on your travels worth shopping for discounts at Good To Go Insurance?

• All retailers
• Good To Go Insurance Voucher Code

Yes, Good To Go Insurance sometimes offers special discounts for first-time customers. It's wise to check their website or sign up for their newsletter to catch these deals.

Seasonal discounts are not consistently available at Good To Go Insurance. However, they may offer savings opportunities during certain times of the year, such as January or summer sales. Keep an eye on their website for any temporary seasonal discounts.

Good To Go Insurance values loyalty and occasionally rewards customers who renew their policies. While it's not a guaranteed discount, it's best to contact their customer service closer to your renewal date to enquire about any available loyalty discounts.

Saving money at Good To Go Insurance can be achieved through various means, including looking out for promotional codes, special offers through their newsletter, and bundling insurance policies. Comparing policies and choosing only necessary coverage can further help in saving costs.

Good To Go Insurance occasionally shares promotions and discounts through their social media platforms. Following their pages on platforms like Facebook or Twitter is a good strategy for catching any exclusive social media promotions.

• Make sure your destination is actually covered before fantasizing about sipping margaritas by the sea. Good To Go Insurance does wonders but doesn't cover Mars yet.
• Don't just wing it on travel insurance. Use Good To Go's straightforward quote system. It’s simpler than trying to understand British politics or why tea is superior to coffee.
• Fancy a deal? Check for discounts before checkout. Paying full price at Good To Go Insurance is like ordering a plain scone without jam and cream. Simply not done.

When it comes to finding travel insurance that's a bit forgiving towards those with pre-existing conditions or a bit more mature in years, Good To Go Insurance is a cracker of an option. Packing your bags and jetting off can be a thrilling adventure, but let’s not kid ourselves, it can quickly turn into a pricey pickle if you’re not covered properly. Good To Go Insurance specialises in offering comprehensive policies that don't turn a blind eye to your health history or age bracket – a real gem for anyone finding themselves usually in a bind when looking for cover.

Right, before you go clicking away and sealing the deal with Good To Go Insurance, there are a couple of things worth chewing over. Pay keen attention to the small print on what’s covered, especially the nitty-gritty details about pre-existing conditions limits and age-related stipulations. Discounts and deals? They’re sprinkled throughout the year, so keep a hawk’s eye on available discount codes to snap up a bargain policy. It's not all pie in the sky; the customer service is something they're rather proud of, offering help before you’ve even had to ask. So, if you're looking for worry-free wanderlust with a wallet-friendly tag, give them a gander.

• January Sales : Kick off the New Year with a bang, or rather a click, as Good To Go Insurance slashes prices faster than you can say "resolution". It’s the perfect time to insure your holiday after spending all your money on Christmas gifts. Who knew planning ahead could be so cheap?
• Easter Deals : This isn't just about the chocolate. Good To Go Insurance drops prices around Easter, making it a fantastic time to snag a deal before you hop off on your holidays. It's an egg-cellent opportunity to save money and still be covered from head to toe.
• Summer Specials : As temperatures rise, so does your urge to escape the heat or maybe dive straight into it. Good To Go Insurance knows this all too well and offers sizzling summer deals that will protect your wallet from getting burned.
• Black Friday Bonanza : Prepare yourself for the madness as Good To Go Insurance throws its hat in the Black Friday ring. Deals so good, you might feel a bit guilty for snapping them up – but hey, more money for souvenirs, right?
• Cyber Monday Madness : Just when you thought your wallet could take a breather, Cyber Monday rolls around. Good To Go Insurance goes digital with discounts, proving you can do anything from the comfort of your own home, including saving money on travel insurance.

Remember, finding a good deal on insurance is like snagging the last piece of cake: immensely satisfying and a bit of a surprise. Keep these sales in mind and your holidays will be both adventure-packed and budget-friendly.

When it comes to finding a bargain on insurance, especially for those trips we all long after, goodtogoinsurance.com can be a savvy shout… but what about the nitty-gritty, like delivery and return options, yeah? Well, since we're dealing not with parcels but with policy docs, delivery comes at the brisk pace of an email – speedy and cost-free, right to your inbox. Need to cancel or amend? It's not quite as breezy, folks. While amending your policy might just be a few clicks away, cancellation charges apply, so it's worth double-checking the terms before you leap. Always good to be in the know, isn't it?

Offering peace of mind for those one-off adventures, Good To Go Insurance provides cover for single trips. Perfect for holidaymakers looking to save while ensuring they're well-covered.

For the frequent travellers, this policy ensures you're covered all year round, saving you money and hassle on organising multiple policies.

Tailored for the unique needs of cruise holidays, ensuring that from embarking to disembarking, passengers are covered.

Recognising the importance of inclusive coverage, Good To Go Insurance offers policies designed specifically for individuals with pre-existing medical conditions, providing a safety net without breaking the bank.

Understanding that seniors have distinct needs, Good To Go Insurance delivers specialised policies for travellers over 65, ensuring they have the confidence to travel with adequate protection at great value.

• Visit goodtogoinsurance.com to start your journey to discounted travel insurance.
• Browse through the different insurance options to find the cover that best suits your needs.
• Once you've made your selection, click on "Get a Quote."
• Enter all the necessary personal and trip details required to generate your quote.
• On the quote summary page, look for the promo code box.
• Type in your discount code carefully in the specified box.
• Click "Apply" to see your discount reflected in the total insurance cost.
• Proceed to enter your payment details to finalize the purchase with the applied discount.

The most popular Good To Go Insurance vouchers for August 2024

What our expert thinks about Good To Go Insurance ...

"When looking for travel insurance, particularly for those who may have pre-existing medical conditions or are of an older age, Good To Go Insurance provides a tailored option that many mainstream insurers might not offer. Their commitment to inclusivity addresses a significant gap in the market, giving more people the reassurance of coverage when they travel. However, consumers should still compare cover levels and prices with other specialised insurers to ensure they are getting the best value for their needs. As always, it's vital to read the fine print and understand exactly what is and isn't covered, to avoid any surprises when it comes time to make a claim."

Good To Go Insurance reviews

• Compare The Market - This popular comparison website allows you to compare a wide range of insurance options, potentially finding better deals or more appropriate coverage for your needs than Good To Go Insurance might offer directly.
• Staysure Insurance - Focusing on travel insurance, especially for those over 50 or with pre-existing medical conditions, Staysure offers an alternative with various coverage options that can be tailored to individual needs.
• Aviva Car Insurance - As one of the UK's largest insurers, Aviva provides a broad range of insurance products, including travel insurance with competitive rates and comprehensive coverage options.
• Direct Line - Direct Line offers a variety of insurance types, including travel insurance, with the benefits of direct handling without the need for intermediaries, which might result in lower prices or better customer service.
• Saga Travel Insurance - Tailored specifically for the over 50s, Saga offers a range of insurance products, including travel insurance, with features and coverage designed to meet the specific needs of older travellers, making it a suitable alternative for those looking for similar services to Good To Go Insurance.

20% Off Travel Insurance Saver Promo Code (1 Active) 2024

Travel Insurance Saver Coupon: Signup Now & Get Your Travel Insurance Quote Today at Travel Insurance Saver (Site-Wide)

Get a $100k Funded Trading Account at TopStep Trader!

Why search for travel insurance saver coupons.

Why Trust Knoji for Travel Insurance Saver Coupon Codes

Verified travel insurance saver promo codes, site-wide discount codes, email discount codes, travel insurance saver free shipping coupons, community-powered savings, earning rewards.

• Active Contributors (Last 30 days): 3,204 Our vibrant community of savings enthusiasts actively shares and verifies promo codes, helping everyone save more.
• Codes Added (Last 30 days): 125,371 We constantly update our database with the latest promo codes, ensuring you never miss a chance to save.
• Codes Tested (Last 30 days): 590,818 Our advanced AI algorithms and community members rigorously test codes to guarantee their validity.
• Number of Working Codes: 973,878 We maintain an extensive collection of real-time, working promo codes for your favorite brands.
• Number of Merchants With Working Codes: 96,117 From major retailers to niche brands, we have working promo codes for a wide range of merchants.

Travel Insurance Saver: How to Save Money and Find Coupon Codes

Travel insurance saver coupon stats, travel insurance saver coupon faq, is travel insurance saver offering any coupons today, how often does travel insurance saver release new coupons, how do i find travel insurance saver coupons, what's travel insurance saver's best coupon discount right now, how do i use my promo code for travel insurance saver, how to apply your travel insurance saver discount code, holiday insurance products promo codes and deals - active today, why knoji is the best source for travel insurance saver promo codes, coupons & deals.

Admiral Discount Code & Voucher Code August 2024

• All offers (14)
• Rewards (1)

Exclusive Save 10% Off Travel Insurance with this Exclusive Admiral Discount Code

Online Verified

Never miss out on exclusive savings from vouchercloud

51 used this week Verified

66 used this week Verified

177 used this week Verified

The most popular Admiral Discount Code for August 2024

Fast Cover Travel Insurance promo code

Fast Cover $10 Discount Code

Spend $200 or more & Get $10 OFF your Travel Insurance - Discount applied automatically (no coupon code required) Consider PDS & TMD on fastcover.com.au. ^T&Cs apply.

Copy and paste this code at

https://flighthacks.com.au/recommends/fastcover-10-discount/

Fast Cover - 5% OFF Travel Insurance

5% OFF your Travel Insurance - Automatic discount (no coupon code required.

https://flighthacks.com.au/recommends/fastcover-5off/

Fast Cover 20% Off Extras Coupon Code

Enter code this Fastcover promo code at checkout & Get 20% OFF any Add-on Packs & Extras. Consider PDS & TMD on fastcover.com.au. ^T&Cs apply.

https://flighthacks.com.au/recommends/20-extra-fast-cover/

20% OFF any Add-ons & Extras

Enter code at checkout to get 20% OFF any Add-ons & Extras^. T&Cs apply. Issued by Hollard Insurance. Consider the PDS.

https://flighthacks.com.au/recommends/fast-cover-travel-insurance/

Fast Cover 5% Promo Code

5% OFF your Travel Insurance. T&Cs apply. Issued by Hollard Insurance. Consider the PDS.

https://flighthacks.com.au/recommends/fast-cover-5/

Fast Cover Travel Insurance offers an easy to use website and cheap travel insurance to get you covered for your next trip. There are plenty of Fast Cover coupon code available to get a nice discount too!

• 19 / 20 Insurance Discounts
• 18 / 20 Claims process ease of use
• 19 / 20 Value for money
• 20 / 20 Promo codes available
• 17 / 20 Overall user satisfaction
• Great coupon codes
• Cheap travel insurance
• Good support
• Restrictions apply to all covers, make sure you read the PDS.

Fast Cover Travel Insurance Review

Getting a review score of 4.5 from more than 800 individual reviewers isn’t an easy feat, yet Fast Cover Travel Insurance has done precisely that! At Flight Hacks, we’ve taken up their insurance products before which is super handy when credit card insurance alone won’t cover you for a trip.

Most people rate Fast Cover Travel Insurance highly because their cover is affordable, easy to understand, and you can sign up in a few minutes through their website. They also offer frequent flyer policies in case you want to be covered for an extended period.

Save up to 300 $ with our Good Guys Promo Code

Fast Cover Travel Insurance Coupon Code History

At Flight Hacks, we keep track of all the coupon codes which have previously been active for Fast Cover Travel Insurance, so you know exactly which ones work and which ones don’t!

How To Use A Fast Cover Travel Insurance Promo Code

Using one of our promo codes is incredibly easy, just follow these exact steps!

• Visit Fast Cover Travel Insurance
• Enter your destination and travel dates, click next
• Select the cover type you want – go for comprehensive if you can afford it!
• Select any extras you want to be covered for and click next
• Now you’re on the payment page, complete your personal details and enter one of our Fast Cover promo codes right before entering your payment details (see screenshot)
• Make sure you press “apply code” so the discount gets applied to your total cost before paying the policy.
• The last step is to enjoy your trip, and hopefully, you won’t need insurance!

Use our Boozebud Promo Code to order quality beverages right to your doorstep.

We suggest hungry travelers to order their food online. Use our Dinnerly Promo Code to save up to 45 $.

• Booking.com
• Virgin Media

Every deal is brought to you and tested by the MailOnline Shopping team. When you shop, we may earn a commission. Learn more about how we work More Info

Post Office Travel Insurance discount codes in August 2024

Count your savings with our tested post office travel insurance promo codes in the uk, get the single trip travel insurance if you are travelling to one destination only, check out the excess waiver option, price start from £50 for the cover, kids go free on selected family policies, travel insurance with coronavirus cover at post office travel insurance, student offer: get 15% off when you verify your account with student beans, amazing gift cards with post office travel insurance orders, these vouchers have expired, but they might still work, apply post office travel insurance promo code to enjoy 1 free hamper of pet treats on pet insurance, enjoy a free hamper of pet treats on pet insurance with this post office travel insurance promo code, get up to £10 million in medical expenses covered with the premier package for a £50 excess, travel the world with the backpacker travel insurance.

Less stress with Post Office Travel Insurance

Active voucher codes for brands similar to post office travel insurance.

Use this First Choice voucher code to get £25 off orders

Save 10% as a student with this Emirates discount code

Take 5% off return flights with this Jet2 voucher code

Score up to 10% off flight bookings by redeeming this emirates promotional code, 4 ways to save on your travel insurance.

Annual multi-trip cover

Post Office Student Discount

Pack some Backpacker cover

Insured for Medical Conditions

All you need to know about post office travel insurance, how can i use my discount code for post office travel insurance.

Start by copying the Post Office Travel Insurance discount code from the MailOnline Discount page and go to The Post Office Travel Insurance website to select your cover policy. Next, fill in your trip details and proceed to the payment page. Here, you will see a special box at the bottom of the page where you can paste the discount code. Click 'Apply' to enjoy the discount.

How can I save more when buying my insurance?

The team at Post Office is always releasing new seasonal and limited-time offer sales on some of the coverage policies. So if you know you’re in need of some cover keep an eye out on the website for any unbelievable savings. Make your trip even cheaper by making use of a Post Office Travel Insurance discount code!

Can I find an NHS discount code for the Post Office Travel Insurance?

Currently, there is no discount available for NHS workers. However, there is a 15% discount on travel insurance coverage, especially for students. Feel free to browse the MailOnline Discounts page for other Post Office Travel Insurance promotions as a great alternative.

Discover More About Insurance & Travel Savings:

The 10 best hotels in the Cotswolds for a British adventure

Popular post office travel insurance discount codes & deals.

• Verified (2)

All the latest Post Office Travel Insurance offers

Travel with confidence, similar shops to post office travel insurance, popular shops, get to know post office, get extra protection for your adventures, stay safe whilst abroad, 5-star travel insurance, single-trip travel insurance, gain more with our post office travel reward, about post office travel insurance.

Cookie Settings

• Back to top

Published by Associated Newspapers Ltd

Part of the Daily Mail, The Mail on Sunday & Metro Media Group

• Travel Insurance
• Best Senior Travel Insurance Plans

Best Senior Travel Insurance Of August 2024

Expert Reviewed

Updated: Aug 1, 2024, 11:25am

We analyzed 26 policies and found that PrimeCover and Seven Corners offer the best senior travel insurance, earning five out of five stars in our analysis.

Not all travel insurance policies provide top-rated coverage for senior travelers. Choose a plan that has a high level of medical coverage and that will cover health problems (pre-existing conditions) you already have.

Considering Travel Insurance?

Via Forbes Advisor's Website

• Best Travel Insurance
• Best Travel Medical Insurance
• Best “Cancel For Any Reason” Travel Insurance
• Best Medical Insurance For Visitors

Compare & Buy Travel Insurance

Returning Home

Main Destination

Compare the Best Travel Insurance Companies for Seniors

How much does travel insurance for seniors travel cost, how to choose the best travel insurance for seniors, methodology, other senior travel insurance companies we rated, best senior travel insurance frequently asked questions (faqs).

Seniors shopping for travel insurance should review medical and evacuation benefits to be sure the coverage amount is sufficient for their needs.

Primary coverage is also beneficial. That means you file a medical or evacuation claim first with your travel insurance company, regardless of whether you have other insurance that might apply. With secondary coverage, you would first file a claim with other insurance companies that insure you, such as your health insurance company for a medical claim. If your claim is denied or not paid in full, you would then file a claim with your travel insurance company, which would pay the difference.

How We Chose the Best Senior Travel Insurance

We analyzed senior travel insurance costs, emergency medical expenses, travel delay benefits and coverage for pre-existing medical conditions to find the best senior travel insurance. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

• 26 travel insurance policies evaluated
• 1,006 coverage details analyzed
• 228 rates scored
• 102 years insurance experience on the editorial team

Best Senior Travel Insurance Companies

Best plan for seniors

Average price for seniors per trip

Medical & evacuation limits per person

$250,000/$1 million

We like the Luxe policy because it has superior benefit limits for most core coverage types. We recommend it because of its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

• Travel medical coverage provides “hospital of choice,” so you can choose the medical facility to be transported to rather than going to the nearest adequate treatment center.
• Includes search and rescue benefits of $5,000 and non-medical evacuation benefits of $100,000.
• Superior trip interruption reimbursement of 200%, twice that of many competitors.
• “Interruption for any reason” upgrade available.

More:   PrimeCover Travel Insurance Review

• Medical expense travel insurance limits of $250,000 per person are excellent, but some competitors provide $500,000.

Here’s a look at the top coverage types in the Luxe policy.

Seven Corners

Trip Protection Choice

Medical expenses/medical evacuation limits per person

$500,000/$1 million

We picked Seven Corners’ Trip Protection Choice as the top scoring plan for seniors because it has the lowest average price among top-rated policies and has an all-around exceptional package of benefits. We also like its optional add-on coverage choices, which include sports equipment rental coverage, event ticket coverage and rental car coverage.

• “Interruption for any reason” and “cancel for any reason” upgrades available.
• Pet kennel benefit of $500 if your return home is delayed by six hours or more due to qualifying interruption, missed connection or delay problems.
• Change fee compensation of $300 per person if you have to change your flight or travel arrangements because of a qualifying event.

More: Seven Corners Travel Insurance Review

Seven Corners stands out for its variety of plan options, which can be tailored to suit the needs of a wide range of travelers, from students to seniors. Their specialty plans—like those catering to frequent travelers—offer great value, although navigating the options can sometimes be complex for new users. – Jim Campbell, independent travel agent and founder of Honeymoons.com

• The average cost for seniors for the Trip Protection Choice plan was about average among the top plans we evaluated, but it provides superior levels of coverage.

Here’s a look at the top coverage types in the Trip Protection Choice policy.

$500,000/$500,000

We like Tin Leg’s Gold plan for its good medical benefits and competitive price—its average cost for seniors is the fourth-cheapest policy among the top-scoring policies.

• Excellent medical evacuation coverage limits.
• Great travel medical expense coverage limits.
• Airline ticket change fee benefits of $200 with a minimum delay of one hour.

More: Tin Leg Travel Insurance Review

This plan is competitively priced for all-around coverage. – Timon van Basten, tour guide and founder of Travel Spain 24.

• Baggage delay coverage doesn’t kick in until 24 hours of delay.
• Baggage loss reimbursement is on the low end at $500 per person.

Here’s a look at the top coverage types in the Gold policy.

Travel Insured International

Worldwide Trip Protector

$100,000/$1 million

We picked the Worldwide Trip Protector plan because of its robust evacuation benefits: $1 million for medical and $150,000 for non-medical. We also like that it’s the third cheapest plan, on average, among those we evaluated. If you have pets, we recommend this policy because pet kennel benefits of up to $500 are included if you return three hours or more later than your planned return date.

• Offers travel inconvenience benefits that reimburse you for closed attractions and beaches, rainy weather, tarmac delays and more.
• Offers ticket protection that pays up to $1,000 if you can’t attend due to a problem covered by your policy.
• Offers bed rest benefits that pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

More: Travel Insured Travel Insurance Review

As a veteran travel insurance company of over 25 years, I think Travel Insured offers a wide range of customizable plans to meet diverse traveler needs. Their quality coverage and excellent customer service ensure policyholders feel secure while exploring internationally. – Timon van Basten, tour guide and founder of Travel Spain 24

• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.

Here’s a look at the top coverage types in the Worldwide Trip Protector policy.

USI Affinity

$250,000/$500,000

We’re impressed with USI’s Ruby plan for its variety of top-level benefits, including excellent coverage for medical and evacuation expenses. We also like its competitive average cost. The Ruby plan is the fifth-cheapest among 12 top-scoring policies we assessed.

• Excellent coverage limit of $250,000 for medical expenses.
• Excellent coverage limit of $500,000 for medical  evacuation.
• Good travel delay coverage of $1,000 per person.
• Decent missed connection coverage for cruise and tours of $750 per person after 3-hour delay.

More: USI Affinity Travel Insurance Review

Personalized attention and modifiable coverage make USI Affinity a top resource. – Timon van Basten, tour guide and founder of Travel Spain 24

• Baggage delay coverage is on the low side at $300 per person and requires a 12-hour delay for benefits to start.

Here’s a look at the top coverage types in the Ruby policy.

Generali Global Assistance

We recommend seniors take a look at Generali’s Premium plan for its good prices, excellent trip interruption insurance and superior medical evacuation benefits. Those with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit.

• You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit, which is typical from top competitors.
• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

Generali has a very good reputation. Their policies usually have generous medical benefits and provide rescue flights. But some plans cost too much without adding value. I heard it’s not always easy to get money back for claims, too, so do your homework. – Jenoa Matthes, travel expert, gastronomy trips organizer and the founder of The Travel Folk

• You must buy “cancel for any reason” coverage within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at the top coverage types in the Premium policy.

Cruise Luxury

$150,000/$1 million

We like Nationwide’s Cruise Luxury plan for its array of generous evacuation benefits at a decent price. It has great baggage delay benefits of $1,000 per person, and good travel delay benefits of $1,000 per person covered after only a 6-hour delay.

• Excellent medical evacuation coverage, and includes $25,000 in non-medical evacuation benefits.
• Excellent missed connection coverage of $2,500 per person after only a 3-hour delay.

More: Nationwide Travel Insurance Review

Nationwide’s variety of plans allows tailoring coverage to different budgets. As someone who’s traveled on a tight budget before, Nationwide’s competitive rates were very appealing. – Kelly Duhigg, travel expert and founder of Girl with the Passport

• Medical coverage of $150,000 is lower than most other top-rated plans but might be sufficient for your needs.
• A 24-hour delay is required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at the top coverage types in the Cruise Luxury policy.

Aegis (formerly GoReady)

GoReady Pandemic Plus

$50,000/$500,000

We choose GoReady Pandemic Plus because of its competitive cost. It has the second lowest average cost for seniors among the policies we looked at. If you want a bargain and aren’t concerned about very low coverage amounts for some core benefits, the GoReady Pandemic Plus plan is worth checking out.

• Decent medical evacuation benefits of $500,000.
• Very good trip interruption benefits of 150% of insured trip cost.
• Decent baggage insurance of $2,500.

More: Aegis Insurance Travel Insurance Review

Aegis is affordable for basic protection. They explain clearly what’s covered and what isn’t. People say claims go smoothly, too. Just know deductibles may be higher or payout limits lower than other insurers charging more. – Jenoa Matthes, travel expert, gastronomy trips organizer and the founder of The Travel Folk

• Travel medical insurance coverage of just $50,000 per person is low compared to many competitors.
• Missed connection benefits of $250 is pretty skimpy compared to many other top-rated policies evaluated.

Here’s a look at the top coverage types in the GoReady Pandemic Plus policy.

HTH Worldwide

TripProtector Preferred

We recommend seniors take a look at the TripProtector Preferred plan for its high level of medical coverage and a superior compensation level if your trip is interrupted. If you travel with your pet, we suggest you consider this policy because it includes pet medical expense coverage of $250 if your cat or dog traveling with you gets sick or injured during your trip.

• Includes rental car theft and damage coverage of $35,000.
• Excellent trip interruption coverage of 200% of the trip cost.
• Great hurricane and weather benefits apply after only a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

HTH Worldwide includes a direct pay option to avoid upfront payments for services. But there are no waivers for pre-existing conditions on the lower-level plans. – Arsen Misakyan, co-founder of LAXcar

• Baggage delay coverage requires a 12-hour delay

Here’s a look at the top coverage types in the TripProtector Preferred policy.

Atlas Journey Explore

$150,000/$750,000

We like the Atlas Journey Explore plan for its solid coverage across the board. This policy is especially worth considering if you’re interested in upgrades or are a pet owner. Available upgrades include extra coverage for pets traveling with you, medical expenses, adventure sports and more.

The Atlas Journey Elevate plan earned 4 stars in our analysis—it costs about $110 more than the Explore plan but provides higher limits for medical expenses ($250,000) and missed connection coverage ($1,500). The Elevate policy also offers an “interruption for any reason” upgrade.

• Travel delay benefits have a short required waiting period of only five hours.
• Excellent medical evacuation benefits of $750,000 million per person.
• Generous deadline for pre-existing medical condition exclusion waiver eligibility.

More: WorldTrips Travel Insurance Review

WorldTrips has established a strong reputation for thoroughly personalized plans paired with reliable 24/7 support for any emergency abroad. Customization allows you to tailor protection perfectly for each explorer’s unique adventures. – Timon van Basten, tour guide and founder of Travel Spain 24

• Medical expense coverage limits of $150,000 aren’t as high as some other policies but might be enough for you.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at the top coverage types in the Atlas Journey Preferred policy.

John Hancock Insurance Agency

$100,000/$500,000

We recommend seniors take a look at John Hancock’s Silver plan for decent coverage at a low average price. It has the fourth-lowest average cost for seniors of the 12 top-scoring policies we evaluated.

The John Hancock Gold plan costs $100 more than the Silver plan but is also worth checking out if you want higher limits for travel medical expenses ($250,000) and medical evacuation ($1 million).

• Excellent evacuation coverage limits.
• Decent missed connection benefits of $750 per person after a 3-hour waiting delay.
• Very good trip interruption reimbursement of 150% of insured trip cost.

More: John Hancock Insurance Agency Travel Insurance Review

John Hancock is highly regarded for its customer service and comprehensive coverage options. Their policies are particularly strong in medical and emergency services, which adds an extra layer of security for travelers. – Jim Campbell, independent travel agent and founder of Honeymoons.com

• Medical expense limits of $100,000 are lower than many other travel insurance plans.
• “Interruption for any reason” upgrade not available.

Here’s a look at the top coverage types in the Silver policy.

USI Affinity Travel Insurance Services

We like USI’s Diamond plan for its variety of top-level benefits, although its pricing is higher than the other top travel insurance policies for seniors.

• Superior coverage levels for medical expenses and evacuation.
• Very good travel delay coverage of $1,500 per person.
• Superior baggage loss coverage of $2,500 per person.

USI Affinity’s attentive customer service provides a more tailored solution aligned with my needs and goals for each journey. – Stephanie Rytting, travel expert, travel author and the founder of France Adventurer

• Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
• Pricing is on the high side compared to some other top plans.

Here’s a look at the top coverage types in the Diamond policy.

We recommend senior travelers take a look at Nationwide’s Prime plan for its solid core benefits at a decent price.

• Top-notch medical evacuation coverage.
• Great travel delay coverage of $2,000 after a 6-hour wait period.
• Excellent trip interruption benefits of 200% of insured trip cost.

Nationwide could include clearer upfront information about policy limitations and more accessible direct contacts for immediate support. These changes could significantly bolster its already commendable service offerings. – John Crist, founder of Prestizia Insurance

• Missed connection coverage is only OK at $500.

Here’s a look at the top coverage types in the Prime policy.

The average cost of senior travel insurance is $420 per trip , based on our analysis of rates for the best travel insurance policies for seniors. Your exact cost for travel insurance will generally depend on the travelers’ ages, length of trip and trip cost.

In our analysis, travel insurance for seniors often costs around 7% to 9% of the trip cost being insured. Remember that you’re insuring only the portions of the trip that are prepaid and non-refundable. You can’t make a claim on expenses that you can get refunded, like refundable airline tickets.

Average Cost of Senior Travel Insurance

Source: Forbes Advisor research of travel insurance sales data. Average costs are based on rates for two different trips for travelers ages 65 and 70, both with CFAR coverage and without. Note that plans have different levels of benefits, which can account for price differences.

EXPERT TIPS

What to Look for in the Best Senior Travel Insurance

Forbes Advisor insurance advisory board member

Michelle Megna

Insurance Lead Editor

Penny Gusner

Insurance Senior Writer

Les Masterson

Insurance Editor

Ashlee Valentine

Repatriation Coverage

Repatriation coverage is particularly important for seniors. It provides assistance and financial support for returning home in case of death while traveling abroad. Ensure that the policy you choose includes adequate repatriation coverage. Verify the coverage limits and any exclusions related to repatriation to ensure you’re adequately protected.

Superior Medical Insurance

Senior travelers may have more medical issues than younger travelers, so superior medical coverage is a must. I recommend at least $150,000 in travel medical insurance per person.

Evacuation Coverage

A medevac ride won’t be on your original travel itinerary, but I wouldn’t skimp on emergency medical evacuation coverage . This coverage pays the cost of getting to an adequate medical facility if you’re in a remote area or somewhere with poor medical care.

Coverage for Pre-Existing Conditions

I would make sure your policy offers a pre-existing medical condition exclusion waiver , which removes coverage exclusions for conditions you already have. You typically need to buy travel insurance soon after your first deposit to get the waiver, such as two to three weeks.

“Cancel for Any Reason” Upgrade

When life throws you a curveball, you’ll appreciate flexibility, which is why I recommend buying a policy that offers a “ cancel for any reason ” upgrade. This upgrade reimburses you a portion of your trip costs (often 75%) if you cancel for any reason not listed in the base policy.

Annual Plan for Frequent Travelers

I recommend an annual travel insurance plan to senior travelers who are planning multiple trips in a year. All your trips will be covered under one policy and it’s more affordable than buying multiple policies during one year.

Senior travelers can do the following to identify the best policy for their trips.

Assess Your Needs

• Destination. Some regions may have higher medical costs, so make sure the medical expenses and evacuation benefits are adequate for your destination. If you’re going to a hurricane-prone area, you’ll want to buy a policy as soon as you make your first trip deposit. That gives you the maximum amount of time for cancellation coverage, and is  just one of the advantages of buying travel insurance when you book your trip.
• Health conditions. Consider your pre-existing medical conditions and ensure the policy covers them by offering a pre-existing medical condition exclusion waiver.
• Review benefits. Decide how much medical expense coverage you need—$150,000 per person might suffice, but you can find policies with $500,000 per person. A comprehensive policy will also provide valuable pre- and post-departure benefits for trip cancellation, interruption and delays.

Read the Fine Print for Policy Exclusions and Coverage Details

• 24/7 assistance. Make sure the insurer offers 24/7 customer support for emergencies.
• Age limits. Some policies have age limits or reduced benefits for older travelers.
• Activity exclusions. Check for any exclusions related to your planned activities.
• Claim process. Understand the procedure for making claims, including required documentation and timeframes.
• Contacts. Check the availability of multiple contact methods, such as phone, email and online chat.
• Terms and conditions. Carefully read the policy to understand what are acceptable reasons for cancellations and interruptions and how long required waiting periods are for travel and baggage delay claims.

Compare Policies

• Reputation. Look for reputable insurance companies with good customer service.
• Coverage limits. Compare the coverage limits and benefits of different policies.
• Cost.  Balance the cost of the policy with the levels of coverage provided.

ASK THE EXPERT

We Answer Your Questions

How are “pre-existing conditions” defined for travel insurance.

Charles K., Columbus, Ohio

Generally, a pre-existing condition is an illness, injury or medical condition that caused you to seek treatment, experience symptoms or take medication before buying a travel insurance policy within a specified amount of time, such as 90 days.

Does senior travel insurance cover my grandchildren?

– Emma K., Biloxi, Mississippi

A standard travel insurance policy covers up to 10 travelers. Typically any traveling companion can be included on a policy, including grandchildren. But some policies may require everyone on the policy to live in the same household.

Some policies cover children for free as long as they’re under a certain age and accompanied by an adult. For example, the Allianz One Trip Premier plans cover children age 17 and under if they’re traveling with a parent or grandparent.

What does “acute onset of a pre-existing condition” mean?

Emilie S., Albuquerque, New Mexico

The acute onset of a pre-existing condition is generally an unexpected and sudden recurrence of a pre-existing medical condition that is rapidly progressing and requires immediate care. Some travel insurance policies cover the acute onset of pre-existing conditions, but details vary by policy, so be sure to review your policy to be familiar with what’s covered.

Using travel insurance sales data for policies offering CFAR, we scored the best travel insurance policies for seniors based on:

Read more: How Forbes Advisor Rates Travel Insurance Companies

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

Best Travel Insurance Plans Of 2024

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

How can seniors save money on travel insurance?

Comparison shopping to find cheap travel insurance can save you money without sacrificing coverage. If you want to lower costs even more, though, focus on getting trip cancellation and good medical coverage, and de-prioritize coverage for baggage, missed connections and other non-medical coverage.

Remember to insure only the prepaid and non-refundable parts of your trip. For example, if your plane tickets are fully refundable, don’t pay to insure those. Travel insurance won’t reimburse you for deposits that were refundable.

Does Medicare cover me when I’m traveling outside of the U.S.?

Medicare generally does not cover your health care when you’re traveling outside of the U.S. That means if you get sick or injured while vacationing in another country, you usually won’t be covered.

Medicare Advantage (Part C) plans may offer some coverage for emergency care received outside the U.S., but this is often very limited. If you have Original Medicare, you may find a Medicare supplemental plan, also called Medigap, that covers medical care during an international vacation. You should check your specific Medicare Advantage or Medigap plan for details on international coverage while traveling abroad.

We recommend seniors buy travel insurance with generous amounts of travel medical insurance and emergency medical evacuation coverage . For example, look for plans that offer $500,000 for medical expenses and $1 million in emergency medical evacuation coverage.

Does travel insurance for seniors cover pre-existing conditions?

Travel insurance for seniors typically excludes coverage for pre-existing conditions, but you can get pre-existing conditions covered with a pre-existing medical condition exclusion waiver. You can generally only get this waiver within 14 to 21 days of making your initial trip deposit and only if you insure the full nonrefundable costs for your trip.

Some problems are not covered by travel insurance for pre-existing conditions , such as Alzheimer’s disease, anxiety, dementia, depression, or any illness or injury related to alcohol or drug abuse.

Is travel insurance worth it for seniors?

Travel insurance is worth it if you can’t afford to lose your prepaid, non-refundable trip costs if you have to cancel or cut a trip short due to unforeseen circumstances. It’s also worthwhile if you’re traveling internationally because your U.S. health plan generally will have limited or no coverage. The best travel insurance plans will also provide generous compensation for extra expenses if you have a travel delay or your luggage shows up late.

Next Up In Travel Insurance

• Best Cruise Insurance
• Best Annual Travel Insurance
• Best Covid-19 Travel Insurance
• Best Cheap Travel Insurance
• Average Cost of Travel Insurance
• Travel Medical Insurance For Visitors

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Joe Cronin is the president of International Citizens Insurance, a subsidiary of International Citizens Group Inc. He is responsible for all aspects of International Citizens Insurance operations, including strategy, marketing and sales. An expert in international health, life and travel insurance plans, Cronin is focused on providing international citizens, expatriates and global nomads with the best advice on ensuring they are covered for medical emergencies worldwide. International Citizens Insurance is that resource. Having lived and traveled throughout the world, his vast experience is now available to visitors researching global insurance plans for all situations.   With his expertise in international financial services, travel and new media, he founded and grew Edvisors, Envisage International and the International Education Finance Corporation into multimillion dollar businesses.   Cronin has lived in or traveled to every corner of the globe, including Moscow, Tokyo, Mexico City, Sydney, London, Argentina and Athens. He believes that an essential benefit of international travel is how it brings different cultures together. Cronin is passionate about helping expatriates with their international relocation and helping travelers of all types secure safe, affordable and effective global insurance for their international adventures.