What are five benefits travel insurance?

Trip cancellation coverage is a valuable part of the best travel insurance plans. Trip cancellation insurance can reimburse you 100% for money you lose in prepaid deposits that are non-refundable. To make a trip cancellation claim you must be canceling for a reason listed in the policy.

But what if you want to cancel your trip for a reason that’s not listed in the policy? That’s where “cancel for any reason” coverage (CFAR) can help. It’s an upgrade that allows you to cancel for any reason and generally provides 75% reimbursement of your non-refundable trip costs.

Do you suddenly have a fear of travel? Maybe you had a fight with your travel companions and don’t want to go anymore. “Cancel for any reason” coverage is your ticket out. Add it on shortly after you make your first trip deposit because there’s usually a two-week purchase window.

How Does “Cancel for Any Reason” Coverage Work?

“Cancel for any reason” insurance lets you cancel a trip for a reason not listed under your trip cancellation coverage and receive partial reimbursement. For example, if you get sick right before your trip and can’t go, that’s generally covered by standard trip cancellation insurance and you can make a claim for 100% reimbursement of the trip costs you lose.

But if you want the flexibility to cancel for reasons not listed in the base policy, “cancel for any reason” can help. For example, under CFAR you could make a cancellation claim because:

  • You’ve developed a fear of travel.
  • You don’t like your destination’s Covid testing requirements.
  • You’ve seen bad reviews of your resort.
  • You’ve decided to visit your grandchildren instead.

You will generally be reimbursed for 75% of your pre-paid, forfeited and non-refundable trip costs. The percentage for CFAR reimbursement will be listed in the policy.

To get “cancel for any reason” coverage you’ll have to purchase a base travel insurance plan and add “cancel for any reason” coverage within a certain time frame after your first trip payment. This is usually 14 days but make sure to check your plan. The deadline for adding CFAR will depend on the travel insurance company, and not all companies offer it.

You generally have to cancel your trip no less than 48 hours before your departure. For example, if you’re leaving tomorrow and you want to cancel the trip today, you probably won’t be able to make a CFAR claim.

Make sure to read the policy’s fine print and know the deadline for canceling the trip if you buy CFAR insurance.

How Much Does “Cancel for Any Reason” Insurance Cost?

“Cancel for any reason” coverage typically adds 50% to the cost of your travel insurance. Here are cost examples for two travelers from California going to Turks and Caicos on a $5,000 trip.

Can I Use “Cancel for Any Reason” Coverage to Cancel My Trip Due to the COVID-19 Pandemic?

If you want to cancel your trip due to the coronavirus, you can use CFAR coverage. Keep in mind, you’ll need to cancel your trip by the policy’s deadline for a claim (typically two days before your departure date).

For example, you could make a claim under CFAR if you don’t like your destination country’s Covid testing requirements, or simply because you think it’s a bad time to travel.


What If I Don’t Have “Cancel for Any Reason” Coverage But I Want to Cancel My Trip Due to the Pandemic?

Some policies will cover Covid for trip cancellation and medical expenses. For example, if you’re diagnosed with Covid right before your trip, these plans can cover the money you lose under the regular trip cancellation benefits.

See our ratings of the best Covid-19 travel insurance to see who sells these plans.


Methodology

We scored 46 travel insurance plans using data provided by Squaremouth, a travel insurance comparison provider. Plans earned points based on the maximum insurable trip cost, the average cost increase for adding “cancel for any reason” coverage, the time frame to purchase a CFAR upgrade, and exclusions regarding CFAR coverage.

What is usually covered by travel insurance?

Trip cancellation coverage is a valuable part of the best travel insurance plans. Trip cancellation insurance can reimburse you 100% for money you lose in prepaid deposits that are non-refundable. To make a trip cancellation claim you must be canceling for a reason listed in the policy.

But what if you want to cancel your trip for a reason that’s not listed in the policy? That’s where “cancel for any reason” coverage (CFAR) can help. It’s an upgrade that allows you to cancel for any reason and generally provides 75% reimbursement of your non-refundable trip costs.

Do you suddenly have a fear of travel? Maybe you had a fight with your travel companions and don’t want to go anymore. “Cancel for any reason” coverage is your ticket out. Add it on shortly after you make your first trip deposit because there’s usually a two-week purchase window.

How Does “Cancel for Any Reason” Coverage Work?

“Cancel for any reason” insurance lets you cancel a trip for a reason not listed under your trip cancellation coverage and receive partial reimbursement. For example, if you get sick right before your trip and can’t go, that’s generally covered by standard trip cancellation insurance and you can make a claim for 100% reimbursement of the trip costs you lose.

But if you want the flexibility to cancel for reasons not listed in the base policy, “cancel for any reason” can help. For example, under CFAR you could make a cancellation claim because:

  • You’ve developed a fear of travel.
  • You don’t like your destination’s Covid testing requirements.
  • You’ve seen bad reviews of your resort.
  • You’ve decided to visit your grandchildren instead.

You will generally be reimbursed for 75% of your pre-paid, forfeited and non-refundable trip costs. The percentage for CFAR reimbursement will be listed in the policy.

To get “cancel for any reason” coverage you’ll have to purchase a base travel insurance plan and add “cancel for any reason” coverage within a certain time frame after your first trip payment. This is usually 14 days but make sure to check your plan. The deadline for adding CFAR will depend on the travel insurance company, and not all companies offer it.

You generally have to cancel your trip no less than 48 hours before your departure. For example, if you’re leaving tomorrow and you want to cancel the trip today, you probably won’t be able to make a CFAR claim.

Make sure to read the policy’s fine print and know the deadline for canceling the trip if you buy CFAR insurance.

How Much Does “Cancel for Any Reason” Insurance Cost?

“Cancel for any reason” coverage typically adds 50% to the cost of your travel insurance. Here are cost examples for two travelers from California going to Turks and Caicos on a $5,000 trip.

Can I Use “Cancel for Any Reason” Coverage to Cancel My Trip Due to the COVID-19 Pandemic?

If you want to cancel your trip due to the coronavirus, you can use CFAR coverage. Keep in mind, you’ll need to cancel your trip by the policy’s deadline for a claim (typically two days before your departure date).

For example, you could make a claim under CFAR if you don’t like your destination country’s Covid testing requirements, or simply because you think it’s a bad time to travel.


What If I Don’t Have “Cancel for Any Reason” Coverage But I Want to Cancel My Trip Due to the Pandemic?

Some policies will cover Covid for trip cancellation and medical expenses. For example, if you’re diagnosed with Covid right before your trip, these plans can cover the money you lose under the regular trip cancellation benefits.

See our ratings of the best Covid-19 travel insurance to see who sells these plans.


Methodology

We scored 46 travel insurance plans using data provided by Squaremouth, a travel insurance comparison provider. Plans earned points based on the maximum insurable trip cost, the average cost increase for adding “cancel for any reason” coverage, the time frame to purchase a CFAR upgrade, and exclusions regarding CFAR coverage.

Which travel insurance is cheapest?

There’s never been a better time to add travel insurance to your trip plans. Whether you’re spending money on a long-awaited trip or a spur-of-the-moment getaway, travel insurance can save you money, time and frustration if things go wrong.

We evaluated 46 plans to find the best travel insurance.

What Does Travel Insurance Cover?

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of plans available, you can find coverage levels that will fit your budget and trip needs.

Look for these top coverage options in a comprehensive plan.

Trip cancellation insurance

You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could derail plans. Trip cancellation insurance reimburses you 100% for money you lose in pre-paid, non-refundable deposits if you have to cancel for a reason listed in the policy.

If Covid is a concern, you can find travel insurance policies that cover Covid-related trip cancellation if you contract the virus right before the trip.

A good strategy is to insure the total amount you have put into non-refundable and pre-paid deposits. Don’t insure refundable amounts, like refundable plane tickets, because you can’t make an insurance claim for that.

Travel medical insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip. This is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage. You can find generous coverage limits of up to $500,000 per person with some travel insurance policies, but you may decide that lower levels of coverage are adequate for your needs.

The best travel insurance for seniors includes travel medical insurance because Medicare does not pay for health care outside the U.S., except in very limited circumstances.

Many travel insurance policies cover Covid-related medical expenses just like any other illness—but not all do—so be sure to confirm that Covid is covered by your travel insurance policy if you contract the virus during your trip.

Emergency medical evacuation coverage

This is also important coverage for those traveling abroad, especially if you’re going to a remote area where quality medical care might be hard to find. Emergency medical evacuation insurance pays to get you to the nearest adequate medical facility. You can find ample coverage of $1 million per person.

“Cancel for any reason” coverage

If you want the freedom to cancel your trip no matter what, look for travel insurance that allows you to upgrade your trip cancellation insurance to “cancel for any reason” (CFAR) travel insurance. Having CFAR allows you to cancel your trip for any reason that’s not listed in your base policy. For example, you could cancel the trip because you simply don’t feel like going anymore, as long as you do so at least 48 hours before your departure time.

Reimbursement under a CFAR claim is 75% or 50% of your trip costs, not the 100% that’s available under the base trip cancellation coverage. CFAR adds an average of about 50% to an insurance plan’s cost. Not all travel insurance companies offer a CFAR upgrade.

Travel delay insurance

Travel delay insurance reimburses you for expenses if you’re stuck somewhere due to a holdup in your itinerary that’s covered by your travel insurance plan. For example, if you’re stuck in an airport all day because bad weather delays your flight, travel delay insurance can reimburse you for necessities like food and toiletries.

If you have a long delay, travel delay benefits could pay for an Uber, a night in a hotel and meals. Travel delay insurance has a specified waiting period before benefits apply—for example, six or 12 hours—and also a per day maximum limit and a total maximum per person.

Trip interruption insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance is a valuable coverage to have. It can reimburse you for the non-refundable parts of your trip that you miss, such as a resort stay or pre-paid scuba diving lesson. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage and personal effects coverage

Losing your bags can really ruin a trip. Baggage coverage can at least ease the financial pain a little. It can reimburse you for the bags and clothes and shoes that never arrive, although note that reimbursement is for the depreciated value of the items, not the cost to buy new ones. It also pays out for items lost to theft.

Baggage delay coverage

Your bags may be on their own detour, but what do you do while you’re waiting? This coverage reimburses you for necessities while you wait for your luggage. For example, if you’re in Canada you may need a coat, hat and essential toiletries. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.


What’s Not Covered by Travel Insurance?

There are common things not covered by travel insurance. Make sure you read a policy’s exclusions so you’re not caught by surprise later.

For example, injuries from high-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs.

Medical tourism is also a common exclusion, so if you’re going abroad for a face lift or other elective procedure, travel insurance won’t cover hospital bills or aftercare.

If you lose cash, or it’s stolen, that is typically also excluded from reimbursement under most travel insurance plans.

Keep in mind that travel insurance is designed to protect you against unforeseen events and emergencies. For instance, if you want to cancel a trip because you’re afraid of flying, that’s not covered under standard trip cancellation insurance.


How Much Does Travel Insurance Cost?

The cost of travel insurance is usually mainly based on the age of travelers and the trip cost. Expect the average cost of travel insurance to be 6% of your trip cost.

What are three types of travel insurance?

There’s never been a better time to add travel insurance to your trip plans. Whether you’re spending money on a long-awaited trip or a spur-of-the-moment getaway, travel insurance can save you money, time and frustration if things go wrong.

We evaluated 46 plans to find the best travel insurance.

What Does Travel Insurance Cover?

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of plans available, you can find coverage levels that will fit your budget and trip needs.

Look for these top coverage options in a comprehensive plan.

Trip cancellation insurance

You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could derail plans. Trip cancellation insurance reimburses you 100% for money you lose in pre-paid, non-refundable deposits if you have to cancel for a reason listed in the policy.

If Covid is a concern, you can find travel insurance policies that cover Covid-related trip cancellation if you contract the virus right before the trip.

A good strategy is to insure the total amount you have put into non-refundable and pre-paid deposits. Don’t insure refundable amounts, like refundable plane tickets, because you can’t make an insurance claim for that.

Travel medical insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip. This is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage. You can find generous coverage limits of up to $500,000 per person with some travel insurance policies, but you may decide that lower levels of coverage are adequate for your needs.

The best travel insurance for seniors includes travel medical insurance because Medicare does not pay for health care outside the U.S., except in very limited circumstances.

Many travel insurance policies cover Covid-related medical expenses just like any other illness—but not all do—so be sure to confirm that Covid is covered by your travel insurance policy if you contract the virus during your trip.

Emergency medical evacuation coverage

This is also important coverage for those traveling abroad, especially if you’re going to a remote area where quality medical care might be hard to find. Emergency medical evacuation insurance pays to get you to the nearest adequate medical facility. You can find ample coverage of $1 million per person.

“Cancel for any reason” coverage

If you want the freedom to cancel your trip no matter what, look for travel insurance that allows you to upgrade your trip cancellation insurance to “cancel for any reason” (CFAR) travel insurance. Having CFAR allows you to cancel your trip for any reason that’s not listed in your base policy. For example, you could cancel the trip because you simply don’t feel like going anymore, as long as you do so at least 48 hours before your departure time.

Reimbursement under a CFAR claim is 75% or 50% of your trip costs, not the 100% that’s available under the base trip cancellation coverage. CFAR adds an average of about 50% to an insurance plan’s cost. Not all travel insurance companies offer a CFAR upgrade.

Travel delay insurance

Travel delay insurance reimburses you for expenses if you’re stuck somewhere due to a holdup in your itinerary that’s covered by your travel insurance plan. For example, if you’re stuck in an airport all day because bad weather delays your flight, travel delay insurance can reimburse you for necessities like food and toiletries.

If you have a long delay, travel delay benefits could pay for an Uber, a night in a hotel and meals. Travel delay insurance has a specified waiting period before benefits apply—for example, six or 12 hours—and also a per day maximum limit and a total maximum per person.

Trip interruption insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance is a valuable coverage to have. It can reimburse you for the non-refundable parts of your trip that you miss, such as a resort stay or pre-paid scuba diving lesson. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage and personal effects coverage

Losing your bags can really ruin a trip. Baggage coverage can at least ease the financial pain a little. It can reimburse you for the bags and clothes and shoes that never arrive, although note that reimbursement is for the depreciated value of the items, not the cost to buy new ones. It also pays out for items lost to theft.

Baggage delay coverage

Your bags may be on their own detour, but what do you do while you’re waiting? This coverage reimburses you for necessities while you wait for your luggage. For example, if you’re in Canada you may need a coat, hat and essential toiletries. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.


What’s Not Covered by Travel Insurance?

There are common things not covered by travel insurance. Make sure you read a policy’s exclusions so you’re not caught by surprise later.

For example, injuries from high-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs.

Medical tourism is also a common exclusion, so if you’re going abroad for a face lift or other elective procedure, travel insurance won’t cover hospital bills or aftercare.

If you lose cash, or it’s stolen, that is typically also excluded from reimbursement under most travel insurance plans.

Keep in mind that travel insurance is designed to protect you against unforeseen events and emergencies. For instance, if you want to cancel a trip because you’re afraid of flying, that’s not covered under standard trip cancellation insurance.


How Much Does Travel Insurance Cost?

The cost of travel insurance is usually mainly based on the age of travelers and the trip cost. Expect the average cost of travel insurance to be 6% of your trip cost.

What are the disadvantages of having travel insurance?

A robust travel insurance plan can help pay trip medical expenses, reimburse you for deposits lost if you have to cancel the trip and much more. But you don’t want the travel insurance purchase to break the bank.

The biggest price factors in travel insurance are the total trip cost, your age, number of travelers and the length of your trip. The average travel insurance cost is between 5% to 6% of your trip cost, according to a Forbes Advisor analysis of travel insurance rates.

Here’s some advice about finding cheap travel insurance that still has good coverage.

Be a Savvy Travel Insurance Comparison Shopper

As with most insurance, comparing policies from multiple companies can potentially save you hundreds of dollars. Travel insurance policies often include most of the same benefits, but the price and coverage amounts can vary considerably by policy, says Steven Benna, a spokesperson for Squaremouth, a travel insurance comparison provider.

A good place to start is to check out Forbes Advisor’s rankings of the best travel insurance companies.

A travel insurance agent can also be helpful. That person can help identify the coverage you want and then price-shop the options.

Understand Exactly What Can be Insured Under Travel Insurance

You can avoid overspending on a travel insurance plan by understanding exactly what you should insure, says Benna. For example, it’s important to understand that trip cancellation insurance will only reimburse you for prepaid and non-refundable trip expenses. So don’t buy coverage for the refundable parts of your trip, advises Benna.

For example, if you’ve booked a hotel for five nights for a total of $5,000, but the cancellation penalty is $1,000, you would insure the $1,000. You can’t make a travel insurance claim for amounts that are refundable.

Avoid Unnecessary Travel Insurance Coverage

Be cautious about buying coverage or upgrades that you likely don’t need.

For example, many travelers buy a “cancel for any reason” upgrade in addition to standard trip cancellation insurance. It adds an average of 50% to the cost of your travel insurance plan. The upgrade gives you partial reimbursement for trip costs if you cancel for a reason not listed in the base policy—for example, canceling because you’ve had a falling out with your traveling companion.

“However, if your primary concern is covered by trip cancellation, such as canceling due to an illness or a family member’s illness, you can be covered without spending the additional money to add ‘cancel for any reason,’” says Benna.

Another example: you don’t need baggage insurance of $2,500 if you’re packing $200 worth of T-shirts, shorts and a swimsuit.

You also may not need travel medical insurance if you’re not leaving the country during your trip. This may be especially true if  you’ll primarily be shopping, dining out and sightseeing and not participating in a lot of outdoor activities like hiking and biking. Your U.S. health plan will usually cover you if you become ill or injured during a domestic vacation.

And if you’re booking a trip last-minute, trip cancellation may be less important.

That’s why it’s a good idea to think about why you want travel insurance. Don’t go with the policy with the most bells and whistles that you won’t need. Instead, explore which coverage would benefit you the most.

Consider Buying an Annual Travel Insurance Policy

If you’re taking one or two trips a year, buying travel insurance for each one makes sense. But if you’re planning multiple trips, buying a policy for each one gets inconvenient and expensive.

Annual travel insurance policies are primarily designed to provide travel medical insurance for multiple trips, and at a better overall price.

These types of annual policies can make it easier to buy just one policy instead of multiple ones and could be a travel insurance solution for people who plan to take multiple domestic flights. However, annual travel policies may not make sense if you’re taking road trips.

Basic annual policies also offer limited trip cancellation insurance and trip interruption coverage.

Check Your Credit Card’s Travel Insurance Benefits

Your credit card may offer travel insurance as a built-in perk. The key here is that you must charge the entire trip on that credit card.

“This benefit can include some cancellation coverage for trip expenses paid for with that card, in addition to coverage for luggage,” says Benna. He points out that instead of paying for a travel insurance policy, you can save money by relying on a credit card’s cancellation benefits.

If your trip expenses exceed the credit card’s coverage limit, you can buy travel insurance for the remaining amount, notes Benna. This will make the policy less expensive than insuring the entire trip cost.

Related: Best credit cards for travel insurance benefits

Value of Travel Insurance Should be More Important than Cost

Cost should not be the only factor when you’re buying travel insurance. A cheap travel insurance policy that lacks good benefits won’t pay off in the end.

“Shop for value,” says Lisa Cheng, a spokesperson for World Nomads, a travel insurance company. “Some plans are priced low for a reason—they could come with high deductibles and low benefit limits.”

For example, Cheng says, you could buy cheap travel insurance and find there’s only $5,000 for medical expenses when you have an $8,000 hospital bill from your trip. Comparison shop but don’t skimp on coverage that is important to you, such as trip cancellation or travel medical insurance.

For some people, medical coverage matters most, and baggage insurance is less important, especially if they’re not planning to pack anything valuable, Cheng says. Medical coverage is especially important if you’re traveling overseas, because U.S. health plans may provide no coverage outside the U.S., and Medicare is not accepted outside the U.S.

Travel medical insurance limits vary by travel insurance policy. For instance, GoReady offers $50,000 in medical coverage for travel per person, while Cat 70HTH WorldwideSeven CornersTin Leg and USI Affinity Travel Insurance Services provide $500,000 in medical coverage, depending on the policy.

Of course, there’s a lot more that goes into travel insurance than medical protection, so make sure you get a policy that’s right for you.

How much does $10000 in travel insurance cost?

A robust travel insurance plan can help pay trip medical expenses, reimburse you for deposits lost if you have to cancel the trip and much more. But you don’t want the travel insurance purchase to break the bank.

The biggest price factors in travel insurance are the total trip cost, your age, number of travelers and the length of your trip. The average travel insurance cost is between 5% to 6% of your trip cost, according to a Forbes Advisor analysis of travel insurance rates.

Here’s some advice about finding cheap travel insurance that still has good coverage.

Be a Savvy Travel Insurance Comparison Shopper

As with most insurance, comparing policies from multiple companies can potentially save you hundreds of dollars. Travel insurance policies often include most of the same benefits, but the price and coverage amounts can vary considerably by policy, says Steven Benna, a spokesperson for Squaremouth, a travel insurance comparison provider.

A good place to start is to check out Forbes Advisor’s rankings of the best travel insurance companies.

A travel insurance agent can also be helpful. That person can help identify the coverage you want and then price-shop the options.

Understand Exactly What Can be Insured Under Travel Insurance

You can avoid overspending on a travel insurance plan by understanding exactly what you should insure, says Benna. For example, it’s important to understand that trip cancellation insurance will only reimburse you for prepaid and non-refundable trip expenses. So don’t buy coverage for the refundable parts of your trip, advises Benna.

For example, if you’ve booked a hotel for five nights for a total of $5,000, but the cancellation penalty is $1,000, you would insure the $1,000. You can’t make a travel insurance claim for amounts that are refundable.

Avoid Unnecessary Travel Insurance Coverage

Be cautious about buying coverage or upgrades that you likely don’t need.

For example, many travelers buy a “cancel for any reason” upgrade in addition to standard trip cancellation insurance. It adds an average of 50% to the cost of your travel insurance plan. The upgrade gives you partial reimbursement for trip costs if you cancel for a reason not listed in the base policy—for example, canceling because you’ve had a falling out with your traveling companion.

“However, if your primary concern is covered by trip cancellation, such as canceling due to an illness or a family member’s illness, you can be covered without spending the additional money to add ‘cancel for any reason,’” says Benna.

Another example: you don’t need baggage insurance of $2,500 if you’re packing $200 worth of T-shirts, shorts and a swimsuit.

You also may not need travel medical insurance if you’re not leaving the country during your trip. This may be especially true if  you’ll primarily be shopping, dining out and sightseeing and not participating in a lot of outdoor activities like hiking and biking. Your U.S. health plan will usually cover you if you become ill or injured during a domestic vacation.

And if you’re booking a trip last-minute, trip cancellation may be less important.

That’s why it’s a good idea to think about why you want travel insurance. Don’t go with the policy with the most bells and whistles that you won’t need. Instead, explore which coverage would benefit you the most.

Consider Buying an Annual Travel Insurance Policy

If you’re taking one or two trips a year, buying travel insurance for each one makes sense. But if you’re planning multiple trips, buying a policy for each one gets inconvenient and expensive.

Annual travel insurance policies are primarily designed to provide travel medical insurance for multiple trips, and at a better overall price.

These types of annual policies can make it easier to buy just one policy instead of multiple ones and could be a travel insurance solution for people who plan to take multiple domestic flights. However, annual travel policies may not make sense if you’re taking road trips.

Basic annual policies also offer limited trip cancellation insurance and trip interruption coverage.

Check Your Credit Card’s Travel Insurance Benefits

Your credit card may offer travel insurance as a built-in perk. The key here is that you must charge the entire trip on that credit card.

“This benefit can include some cancellation coverage for trip expenses paid for with that card, in addition to coverage for luggage,” says Benna. He points out that instead of paying for a travel insurance policy, you can save money by relying on a credit card’s cancellation benefits.

If your trip expenses exceed the credit card’s coverage limit, you can buy travel insurance for the remaining amount, notes Benna. This will make the policy less expensive than insuring the entire trip cost.

Related: Best credit cards for travel insurance benefits

Value of Travel Insurance Should be More Important than Cost

Cost should not be the only factor when you’re buying travel insurance. A cheap travel insurance policy that lacks good benefits won’t pay off in the end.

“Shop for value,” says Lisa Cheng, a spokesperson for World Nomads, a travel insurance company. “Some plans are priced low for a reason—they could come with high deductibles and low benefit limits.”

For example, Cheng says, you could buy cheap travel insurance and find there’s only $5,000 for medical expenses when you have an $8,000 hospital bill from your trip. Comparison shop but don’t skimp on coverage that is important to you, such as trip cancellation or travel medical insurance.

For some people, medical coverage matters most, and baggage insurance is less important, especially if they’re not planning to pack anything valuable, Cheng says. Medical coverage is especially important if you’re traveling overseas, because U.S. health plans may provide no coverage outside the U.S., and Medicare is not accepted outside the U.S.

Travel medical insurance limits vary by travel insurance policy. For instance, GoReady offers $50,000 in medical coverage for travel per person, while Cat 70HTH WorldwideSeven CornersTin Leg and USI Affinity Travel Insurance Services provide $500,000 in medical coverage, depending on the policy.

Of course, there’s a lot more that goes into travel insurance than medical protection, so make sure you get a policy that’s right for you.

Is travel insurance part of life insurance?

If you plan to travel you may want to have a financial safeguard in place for pandemic-related trip problems. This is especially true if you’re traveling abroad, where your U.S. health plan may have limited global coverage. Travel insurance can provide that safety net.

Not all travel insurance policies cover Covid-related problems. To help you find the best Covid travel insurance we evaluated 50 plans using data from Squaremouth, a travel insurance comparison provider.

Tips for the Pandemic Traveler

Many travel insurance policies offer good medical coverage, but not all cover Covid-related problems. If that’s important to you, make sure to verify that the policy you’re buying specifically covers you in case you contract Covid. To find the best Covid-19 travel insurance policies, we evaluated only plans with at least $150,000 per person for medical coverage.

Sudden travel bans and unexpected quarantine requirements can also derail your trip, but standard travel insurance won’t generally cover these problems. Buying “cancel for any reason” (CFAR) coverage will give you some reimbursement no matter what your reason for canceling.

Add “cancel for any reason” coverage shortly after your first trip deposit if you want it. You may have only a couple weeks before the option expires for your plan.

Also, some destinations abroad have medical coverage requirements for incoming travelers. Confirm the medical coverage requirements you’ll need for your destination, if any, before you buy a travel insurance policy.

Related: Best home Covid tests


How to Buy a Covid Travel Insurance Plan

Does travel insurance cover Covid-19?

Most travel insurance policies provide trip cancellation and trip interruption benefits if you test positive for Covid and need to cancel or are required by a doctor to quarantine. That means if your trip is canceled or interrupted because you test positive for Covid, you can be reimbursed for pre-paid, non-refundable trip costs.

Most medical travel insurance covers you if you contract the virus during your trip and need medical attention. You can be reimbursed up to the limits in your policy for doctor and hospital bills, lab work and medicine, among other types of treatment.

Generally, travel insurance companies are treating Covid-19 like any other illness, but not all do. Epidemics and pandemics can be considered “foreseeable events” once declared by federal or international health agencies, which means in some cases travel insurance benefits may not apply. That’s why it’s imperative to review your policy for any possible exclusions.

Does travel insurance cover quarantine?

There are travel insurance policies that can cover unexpected expenses if you have to quarantine in another country. But in order for any benefits to apply for most of these plans, you must test positive for Covid-19 and your travel insurance plan must cover Covid-related expenses.

If you get sick abroad from the virus, a plan’s travel medical benefits can also kick in if it’s travel insurance that covers Covid-19.

“Travel insurance policies that provide benefits if a traveler contracts Covid-19 can also extend their coverage past the original return date, typically up to seven days,” says Steven Benna, a spokesperson for Squaremouth, a travel insurance comparison provider.

Related: When should I use a home Covid test?

Quarantine-related travel insurance coverage

The following travel insurance benefits can offer coverage for the costs of quarantining, assuming the plan covers Covid-19 expenses.

Travel delay coverage

This benefit can cover the cost of your accommodations and meals during quarantine if you have contracted the virus. If you are forced to stay beyond your return date due to a positive test, this coverage can be extended for up to seven days.

“Policies with this benefit provide a range of total coverage between $100 and $2,000 per person, with a daily limit that ranges from $50 to $300,” Benna says.

Trip interruption coverage

This coverage will reimburse you for missed portions of your trip if you’re forced into quarantine due to a positive Covid test. It can cover 100% to 200% of your prepaid and non-refundable trip costs, depending on the policy, says Benna.

For example, Trawick International’s Safe Travels Voyager Plan covers expenses if you’re forced to quarantine domestically or abroad due to a positive Covid test. “These plans may also provide reimbursement for medical expenses and emergency medical evacuation expenses incurred if you are injured or sick while traveling on your trip,” says Bailey Foster, a spokesperson for Trawick International.

“Cancel for any reason” coverage (CFAR)

Consider a plan that lets you upgrade to “cancel for any reason” coverage. This upgrade usually adds 50% to your travel insurance cost, but it will allow you to cancel your trip for any reason and get some reimbursement (often 75%) of lost trip costs. Your reason could be Covid-related, such as finding out that there’s a spike of Covid at your destination. Or your reason could be unrelated—for example, you could make a CFAR claim because you don’t like the rainy outlook at your beach resort.

If you want CFAR coverage, make sure to buy a travel insurance plan and add CFAR soon after you make your first trip deposit. There’s usually a purchase deadline for CFAR, such as two weeks.

“Interruption for any reason” coverage (IFAR)

If you’re concerned about being forced into a quarantine while on your trip due to a positive Covid test, standard trip interruption insurance can reimburse you for parts of your trip that you miss—if your plan has coverage for Covid. For instance, you can file a claim under trip interruption benefits if you paid in advance for non-refundable hotel stays, tours or entertainment and can’t participate because you have the virus and have to quarantine.

But what if you don’t have Covid and are required to comply with a mandatory quarantine? That’s where “interruption for any reason” would help. “Interruption for any reason” coverage is offered as an upgrade from a small number of travel insurance companies. If you have this upgrade, you can be reimbursed for portions of your trip that you miss if you have to quarantine but don’t have Covid. It can also pay for transportation expenses to get you caught up to your planned itinerary.

“Interruption for any reason” isn’t a common benefit, but the following companies offer it on some plans: iTravelInsured, Nationwide, Seven Corners and Travel Insured International.

Other plan benefits to look for

A comprehensive travel insurance plan will also include coverage for:

  • Travel delays, such as extra expenses when you’re stuck in an airport due to weather problems
  • Missed connections
  • Baggage and personal items, including lost or damaged baggage

Covid-19 Travel Restrictions by Destination

You may be wondering if there are travel restrictions in place for your dream destination. Some countries have lifted restrictions, some have eased up and some have eliminated entry requirements. Be sure to check the travel requirements for any country you plan to visit so you have the most current information.

Related: Here are the current travel restrictions for Americans traveling to Europe


How to Get Quarantine Reimbursement from Travel Insurance

If you need to make a travel insurance claim related to a Covid quarantine, be prepared to have these documents:

  • If the policy requires a positive Covid test or direct exposure to the virus, collect documentation. “In either case, they must be able to provide proof of their test or exposure, such as a note from a doctor, in addition to all receipts verifying their expenses,” says Benna at Squaremouth.
  • Provide documentation that your test or exposure required a quarantine.
  • Save your receipts for medical bills and lodging expenses so that you can submit them with your insurance claim.

Methodology

Using data provided by Squaremouth, a travel insurance comparison provider, we scored plans based on:

Covid medical coverage: Up to 70 points. Plans earned points based on their levels of medical coverage. Only plans that provide Covid-related medical coverage and at least $150,000 per person in coverage were considered.

Cost of plan: Up to 50 points. We analyzed quotes for a variety of traveler ages and trip costs in order to develop an average price for each plan.

Cost to add “cancel for any reason” (CFAR) coverage: Up to 30 points. We calculated the cost difference between the base plan and the plan with “cancel for any reason” coverage added. Only plans with a CFAR option were considered.

Related: Compare & Buy Travel Insurance For 2022

What is the best travel insurance to go with?

If you plan to travel you may want to have a financial safeguard in place for pandemic-related trip problems. This is especially true if you’re traveling abroad, where your U.S. health plan may have limited global coverage. Travel insurance can provide that safety net.

Not all travel insurance policies cover Covid-related problems. To help you find the best Covid travel insurance we evaluated 50 plans using data from Squaremouth, a travel insurance comparison provider.

Tips for the Pandemic Traveler

Many travel insurance policies offer good medical coverage, but not all cover Covid-related problems. If that’s important to you, make sure to verify that the policy you’re buying specifically covers you in case you contract Covid. To find the best Covid-19 travel insurance policies, we evaluated only plans with at least $150,000 per person for medical coverage.

Sudden travel bans and unexpected quarantine requirements can also derail your trip, but standard travel insurance won’t generally cover these problems. Buying “cancel for any reason” (CFAR) coverage will give you some reimbursement no matter what your reason for canceling.

Add “cancel for any reason” coverage shortly after your first trip deposit if you want it. You may have only a couple weeks before the option expires for your plan.

Also, some destinations abroad have medical coverage requirements for incoming travelers. Confirm the medical coverage requirements you’ll need for your destination, if any, before you buy a travel insurance policy.

Related: Best home Covid tests


How to Buy a Covid Travel Insurance Plan

Does travel insurance cover Covid-19?

Most travel insurance policies provide trip cancellation and trip interruption benefits if you test positive for Covid and need to cancel or are required by a doctor to quarantine. That means if your trip is canceled or interrupted because you test positive for Covid, you can be reimbursed for pre-paid, non-refundable trip costs.

Most medical travel insurance covers you if you contract the virus during your trip and need medical attention. You can be reimbursed up to the limits in your policy for doctor and hospital bills, lab work and medicine, among other types of treatment.

Generally, travel insurance companies are treating Covid-19 like any other illness, but not all do. Epidemics and pandemics can be considered “foreseeable events” once declared by federal or international health agencies, which means in some cases travel insurance benefits may not apply. That’s why it’s imperative to review your policy for any possible exclusions.

Does travel insurance cover quarantine?

There are travel insurance policies that can cover unexpected expenses if you have to quarantine in another country. But in order for any benefits to apply for most of these plans, you must test positive for Covid-19 and your travel insurance plan must cover Covid-related expenses.

If you get sick abroad from the virus, a plan’s travel medical benefits can also kick in if it’s travel insurance that covers Covid-19.

“Travel insurance policies that provide benefits if a traveler contracts Covid-19 can also extend their coverage past the original return date, typically up to seven days,” says Steven Benna, a spokesperson for Squaremouth, a travel insurance comparison provider.

Related: When should I use a home Covid test?

Quarantine-related travel insurance coverage

The following travel insurance benefits can offer coverage for the costs of quarantining, assuming the plan covers Covid-19 expenses.

Travel delay coverage

This benefit can cover the cost of your accommodations and meals during quarantine if you have contracted the virus. If you are forced to stay beyond your return date due to a positive test, this coverage can be extended for up to seven days.

“Policies with this benefit provide a range of total coverage between $100 and $2,000 per person, with a daily limit that ranges from $50 to $300,” Benna says.

Trip interruption coverage

This coverage will reimburse you for missed portions of your trip if you’re forced into quarantine due to a positive Covid test. It can cover 100% to 200% of your prepaid and non-refundable trip costs, depending on the policy, says Benna.

For example, Trawick International’s Safe Travels Voyager Plan covers expenses if you’re forced to quarantine domestically or abroad due to a positive Covid test. “These plans may also provide reimbursement for medical expenses and emergency medical evacuation expenses incurred if you are injured or sick while traveling on your trip,” says Bailey Foster, a spokesperson for Trawick International.

“Cancel for any reason” coverage (CFAR)

Consider a plan that lets you upgrade to “cancel for any reason” coverage. This upgrade usually adds 50% to your travel insurance cost, but it will allow you to cancel your trip for any reason and get some reimbursement (often 75%) of lost trip costs. Your reason could be Covid-related, such as finding out that there’s a spike of Covid at your destination. Or your reason could be unrelated—for example, you could make a CFAR claim because you don’t like the rainy outlook at your beach resort.

If you want CFAR coverage, make sure to buy a travel insurance plan and add CFAR soon after you make your first trip deposit. There’s usually a purchase deadline for CFAR, such as two weeks.

“Interruption for any reason” coverage (IFAR)

If you’re concerned about being forced into a quarantine while on your trip due to a positive Covid test, standard trip interruption insurance can reimburse you for parts of your trip that you miss—if your plan has coverage for Covid. For instance, you can file a claim under trip interruption benefits if you paid in advance for non-refundable hotel stays, tours or entertainment and can’t participate because you have the virus and have to quarantine.

But what if you don’t have Covid and are required to comply with a mandatory quarantine? That’s where “interruption for any reason” would help. “Interruption for any reason” coverage is offered as an upgrade from a small number of travel insurance companies. If you have this upgrade, you can be reimbursed for portions of your trip that you miss if you have to quarantine but don’t have Covid. It can also pay for transportation expenses to get you caught up to your planned itinerary.

“Interruption for any reason” isn’t a common benefit, but the following companies offer it on some plans: iTravelInsured, Nationwide, Seven Corners and Travel Insured International.

Other plan benefits to look for

A comprehensive travel insurance plan will also include coverage for:

  • Travel delays, such as extra expenses when you’re stuck in an airport due to weather problems
  • Missed connections
  • Baggage and personal items, including lost or damaged baggage

Covid-19 Travel Restrictions by Destination

You may be wondering if there are travel restrictions in place for your dream destination. Some countries have lifted restrictions, some have eased up and some have eliminated entry requirements. Be sure to check the travel requirements for any country you plan to visit so you have the most current information.

Related: Here are the current travel restrictions for Americans traveling to Europe


How to Get Quarantine Reimbursement from Travel Insurance

If you need to make a travel insurance claim related to a Covid quarantine, be prepared to have these documents:

  • If the policy requires a positive Covid test or direct exposure to the virus, collect documentation. “In either case, they must be able to provide proof of their test or exposure, such as a note from a doctor, in addition to all receipts verifying their expenses,” says Benna at Squaremouth.
  • Provide documentation that your test or exposure required a quarantine.
  • Save your receipts for medical bills and lodging expenses so that you can submit them with your insurance claim.

Methodology

Using data provided by Squaremouth, a travel insurance comparison provider, we scored plans based on:

Covid medical coverage: Up to 70 points. Plans earned points based on their levels of medical coverage. Only plans that provide Covid-related medical coverage and at least $150,000 per person in coverage were considered.

Cost of plan: Up to 50 points. We analyzed quotes for a variety of traveler ages and trip costs in order to develop an average price for each plan.

Cost to add “cancel for any reason” (CFAR) coverage: Up to 30 points. We calculated the cost difference between the base plan and the plan with “cancel for any reason” coverage added. Only plans with a CFAR option were considered.

Related: Compare & Buy Travel Insurance For 2022

Why Travel Medical Insurance Is Essential

Illness or injury can ruin a vacation. And it’s even worse if you’re far from home. If you require airlift transportation for immediate medical care during your trip, a comprehensive travel insurance plan with emergency medical evacuation benefits can help cover the cost.

Here’s how medical evacuation travel insurance works and why it can be an essential part of a solid travel insurance plan.

What Does Medical Evacuation Insurance Cover?

Here’s what medical evacuation insurance typically encompasses.

Emergency transportation

Medical evacuation insurance can pay for the cost of emergency transportation to the nearest adequate treatment center if you become seriously ill or injured while traveling and require immediate care. It can also pay for you to be transported back to the U.S. if medically necessary.

Or, if you’ve been treated but you need to fly back to the U.S. for further treatment or to recover, it can pay for the flight home.

A medical escort on your return home

If you require specialized care for the flight home, like a medical professional who can administer intravenous antibiotics or oxygen during your flight, medical evacuation insurance can pay for associated costs for medical escort services.

The cost for a friend or family member to travel to you

If you’re hospitalized during your trip following an illness or injury that is covered by your policy, your medical evacuation travel insurance can pay for a round-trip flight for a friend or family member to come stay with you. This benefit usually has a minimum hospital-stay requirement. For example, if you’re told you’ll be hospitalized for seven days or more, your benefits might apply.

Costs for a bedside companion

Some medical evacuation benefits include compensation for hotel stays, meals and other reasonable costs your traveling companion has while staying near you.

The cost for your children to fly home

If you’re hospitalized during your trip and traveling with your children, your travel insurance company can arrange for your children to fly home or to another U.S.-based location. Your benefits can compensate for the cost, minus any refunds for unused plane tickets. This benefit also usually has a minimum number of days for hospitalization you must meet to file a claim.

Repatriation of remains

If you or a traveling companion die during your trip, the cost of transporting remains home can be covered by repatriation benefits included in your evacuation coverage.

When Do You Need Medical Evacuation Insurance?

Medical evacuation benefits help if you become seriously ill or suffer a severe injury during your trip and there are no local hospitals with the resources to treat your condition.

For example, if you suffer a serious injury in a car accident in China, your travel insurance company can arrange for medevac services to the nearest hospital equipped to care for you, which can be elsewhere in China, another country or even back in the U.S.

Your travel insurance company will work as a liaison to arrange the transportation on your behalf, which can come in handy during a medical crisis in a foreign country.

The travel medical insurance in a travel insurance plan can pay for doctor and hospital bills, X-rays, lab work, medicine and other associated expenses, up to your medical coverage limit. Evacuation insurance and travel medical insurance have separate coverage limits. For example, a generous travel insurance plan might have up to $500,000 for medical expenses and up to $1 million for evacuation.

When you’re well enough to travel, your travel insurance company can pay for your flight home.

Do You Need Both Medical Evacuation and Travel Medical Insurance?

It’s prudent to have both medical evacuation travel insurance and travel medical insurance when traveling abroad.

“If you’re not prepared to pay all your medical bills out of pocket, this is a crucial reason to buy travel insurance that includes emergency medical coverage and transportation benefits,” says Durazo at Allianz.

If you are traveling outside the U.S., it’s often essential that you have travel medical expense insurance because your domestic health insurance plan may have little or no international coverage. Check with your health insurance company to see if your plan has global coverage and whether it’s considered “out of network.” Also, senior travelers should know that Medicare isn’t accepted abroad.

How to Get Approval to Use Medical Evacuation Insurance

After a medical emergency during a trip, the first call should be to the local emergency services. Then, you or your companion or tour guide should call your travel insurance company’s emergency hotline or customer service number.

“The assistance team, which includes emergency room physicians and travel experts, reviews the case and contacts your physician to discuss your treatment, help manage your care and determine if emergency medical transport is necessary,” says Durazo.

To use medical evacuation insurance, you usually must have an emergency evacuation ordered by the onsite, attending physician who certifies that the severity of your accidental injury or illness warrants the move.

Ideally, your travel insurance company would help coordinate the medevac and the move, and sign-off on it in advance. If that’s not possible, your travel insurance company should be notified as soon as possible.

If you require emergency medical transportation, your options may include an air ambulance or a commercial airline.

How Will You Be Transported?

While you may think an air ambulance is your only choice, Durazo says working with a commercial carrier is typically a better experience for the patient and their companions for several reasons:

  • Most air ambulances are small aircraft that can only fly for four to six hours at a time, requiring frequent landings to refuel. They may accommodate only the patient, nurse and one guest in very tight quarters, often without a bathroom and with minimal luggage storage space, he says.
  • Commercial carriers offer more options, including direct flights, better overall flight quality and room for multiple members of accompanying medical staff and travel companions.
  • Patients may travel in either first or business class, where they can lay flat if medically necessary.

Your Travel Insurance Company’s 24/7 Assistance Line Can Help

Travel insurance companies generally have a staff of physicians, interpreters and travel experts available to help you around the clock. You can contact your travel insurance company by calling the dedicated 24/7 travel assistance hotline or using its app, if one is available, to reach the care team.

“The assistance team can help coordinate care with the doctors treating you in your destination, as well as help you get to a high-quality medical facility with appropriate treatment options—all to ensure the best medical care possible,” explains Durazo.

In addition to arranging emergency medical transportation, Durazo says these teams usually offer aid throughout the treatment. For instance, the staff at Allianz Global Assistance will stay in touch with doctors to review daily medical reports and relay updates to family members, provide interpretation services if needed and help guarantee payment to the treatment center and handle billing.

Do You Need Evacuation Insurance for Trips Within the U.S?

There are some instances when medical evacuation travel insurance can be a smart choice even when traveling within the U.S, says Durazo.

For example, if you are doing a dude ranch trip or taking an adventure-oriented trip in a remote area, it’s wise to have evacuation coverage. If you’re injured, your health plan should cover your transportation to a hospital and your medical care once you’re there, but it likely won’t pay for a flight home requiring medical equipment and a medical escort. Additionally, you’ll be responsible for copays and deductibles that come with your health insurance coverage.

On the other hand, let’s say you’re visiting a college friend in Chicago and plan to shop and visit museums in the Windy City. You probably won’t need emergency evacuation coverage in that case.

How Much Medical Evacuation Travel Insurance Do I Need?

Limits for emergency medical evacuation insurance vary by company and plan. The most generous travel insurance plans provide $1 million in medical evacuation coverage per person. For example, the Platinum plan from AXA Assistance USA and the OneTripPremier Plan from Allianz include up to $1 million in medical evacuation coverage.

However, you can find plans with lower coverage amounts. For instance, the Silver plan from AXA Assistance USA provides $100,000 for emergency evacuation, and the OneTrip Basic Plan from Allianz provides $50,000 in emergency medical transportation benefits.

Most travel insurance plans offer a 14- or 15-day “free look” period during which you can review your policy. “If you then decide during the free look period that the product doesn’t meet your needs, you can purchase a new product with more or less coverage or cancel the policy for a full refund,” says Durazo.

How Do You Buy Medical Evacuation Travel Insurance?

You can buy medical evacuation travel insurance as part of a comprehensive travel insurance plan or a stand-alone travel medical plan.

Travel medical insurance and emergency medical transportation insurance are often purchased as part of a comprehensive travel insurance plan that also includes trip cancellation insurancetravel delay insurancetrip interruption insurance and baggage insurance.

However, says Durazo, if you’re not concerned with trip cancellation, you can find plans covering just medical-related trip issues. For example, Allianz offers the OneTrip Emergency Medical Plan, which provides up to $50,000 in medical expense coverage and $250,000 in emergency evacuation benefits.

Check for This Fine Print

Details of coverage vary by plan and travel insurance company, so be sure to review the following details.

Hospital-stay requirements

Benefits for your children’s flight home and for someone to be flown in to visit you are generally for extended hospitalizations. For instance, this may need to be seven days or more. That means if you’re in the hospital for four days, these benefits may not apply.

Hospital of choice

Most medical evacuation insurance plans stipulate that you are flown to the nearest adequate facility for treatment. If you need further care after that, some plans have add-on coverage that allows you to choose the hospital you go to next. For example, the AIG Travel Guard Deluxe plan allows you to request transportation to the hospital of your choice for further care, recovery or treatment after you’re stabilized.

Also, hospital choice benefits usually don’t apply to nursing homes or rehabilitation centers. Be sure to ask your travel insurance company if “hospital of choice” is offered and how it works.

Extreme sports exclusions

Some travel insurance plans exclude injuries resulting from extreme sports or adventure activities from medical and evacuation benefits. You can sometimes add a rider to get coverage, or look for a plan that covers your specific activities.

Emergency Medical Transportation and Covid

With many countries still high-risk for Covid, or designated as Level 3 by the Centers for Disease Control and Prevention, the importance of emergency medical transport insurance is even more valuable.

Squaremouth, a travel insurance comparison provider, recommends a minimum of $100,000 in emergency medical evacuation coverage, to account for Covid-19-related evacuation expenses. Make sure the plan will cover Covid-related claims.

If you’re heading to a remote destination, where it may be more expensive or difficult to reach a medical facility, Squaremouth recommends $250,000 in medical evacuation coverage.

See our ratings of the best pandemic travel insurance plans.

Other Medevac Options

Companies like Medjet and Global Rescue can be a good fit for those who want to be flown directly back to the U.S. after a medical emergency rather than to the nearest hospital equipped to treat you, as mandated in travel insurance plans.

These types of companies are also worth serious consideration if you are participating in extreme sports during your vacation or you have pre-existing medical conditions.

Medjet

Medjet provides private or commercial medevac or air ambulance transportation from a hospital anywhere in the world to the hospital of your choice in your home country. In order to use Medjet services, you must buy a membership before your trip. And you must be traveling at least 150 miles from home. Medical and legal specialists are on staff to assist you.

The company offers a variety of membership plans for domestic and international travel, college students, business travelers and more. Plans for short-term vacations of eight, 15, 21 and 30 days start at $99 for an individual and $199 for a family.

Medjet also offers a plan that adds on security help and crisis response.

Global Rescue

Global Rescue is a provider of medical, security, evacuation and travel risk management services to enterprises, governments and individuals. An individual annual membership is $349.

One benefit of Global Rescue is that you can be airlifted from where you had your accident or injury.

“If you have a minor injury or illness, you can call Global Rescue and speak to an on-staff medical expert who will help sort out the dos and don’ts based on your unique situation and symptoms,” says Dan Richards, chief executive officer of Global Rescue.

For major injury or illness, including Covid, Global Rescue assesses the circumstances and arranges for field rescue medical evacuation or repatriation, says Richards.

“If the case is complicated, we may deploy to the member’s bedside to make sure they’re getting the care they need to get stable enough for transport,” he says.

Global Rescue also provides emergency evacuation for non-medical emergencies. With a security upgrade, Global Rescue provides advisory and evacuation services for unpredicted natural disasters, civil unrest, acts of terrorism and government-ordered evacuations.

“Global Rescue’s services extend to wherever the individual is, and the personnel who respond are among the most highly trained paramedics, nurses, doctors and military special operations veterans available. We don’t just take the phone call; we dispatch our personnel to the site of the crisis and use all available means to get them to safety and the care they need,” says Richards.

More About Services Like Medjet and Global Rescue

You might want to buy Medjet or Global Rescue memberships as supplemental coverage to a travel insurance plan if you frequently travel to remote locations.

With Medjet and Global Rescue, there is no cap on the coverage for transportation as there is with travel insurance. You just pay the membership fee.

“If a member gets sick or injured while skiing in the backcountry, paragliding, rock climbing or anything else, our services are in force,” Richards says.

Another advantage of services like Medjet and Global Rescue is that you won’t have to file a reimbursement claim for evacuation services. Your membership is your access to coverage.

You can also be airlifted directly from the location of your emergency with Global Rescue services. “We will rescue you from the point of injury or illness (field rescue) and get you to a medical facility where you can get diagnosed and treated,” says Richards.

However, Medjet and Global Rescue aren’t travel insurance companies, so you won’t find coverage for medical expenses, trip cancellation, interruptions, delays or baggage.

Emergency Medical Evacuation Insurance In Travel Insurance Plans

Illness or injury can ruin a vacation. And it’s even worse if you’re far from home. If you require airlift transportation for immediate medical care during your trip, a comprehensive travel insurance plan with emergency medical evacuation benefits can help cover the cost.

Here’s how medical evacuation travel insurance works and why it can be an essential part of a solid travel insurance plan.

What Does Medical Evacuation Insurance Cover?

Here’s what medical evacuation insurance typically encompasses.

Emergency transportation

Medical evacuation insurance can pay for the cost of emergency transportation to the nearest adequate treatment center if you become seriously ill or injured while traveling and require immediate care. It can also pay for you to be transported back to the U.S. if medically necessary.

Or, if you’ve been treated but you need to fly back to the U.S. for further treatment or to recover, it can pay for the flight home.

A medical escort on your return home

If you require specialized care for the flight home, like a medical professional who can administer intravenous antibiotics or oxygen during your flight, medical evacuation insurance can pay for associated costs for medical escort services.

The cost for a friend or family member to travel to you

If you’re hospitalized during your trip following an illness or injury that is covered by your policy, your medical evacuation travel insurance can pay for a round-trip flight for a friend or family member to come stay with you. This benefit usually has a minimum hospital-stay requirement. For example, if you’re told you’ll be hospitalized for seven days or more, your benefits might apply.

Costs for a bedside companion

Some medical evacuation benefits include compensation for hotel stays, meals and other reasonable costs your traveling companion has while staying near you.

The cost for your children to fly home

If you’re hospitalized during your trip and traveling with your children, your travel insurance company can arrange for your children to fly home or to another U.S.-based location. Your benefits can compensate for the cost, minus any refunds for unused plane tickets. This benefit also usually has a minimum number of days for hospitalization you must meet to file a claim.

Repatriation of remains

If you or a traveling companion die during your trip, the cost of transporting remains home can be covered by repatriation benefits included in your evacuation coverage.

When Do You Need Medical Evacuation Insurance?

Medical evacuation benefits help if you become seriously ill or suffer a severe injury during your trip and there are no local hospitals with the resources to treat your condition.

For example, if you suffer a serious injury in a car accident in China, your travel insurance company can arrange for medevac services to the nearest hospital equipped to care for you, which can be elsewhere in China, another country or even back in the U.S.

Your travel insurance company will work as a liaison to arrange the transportation on your behalf, which can come in handy during a medical crisis in a foreign country.

The travel medical insurance in a travel insurance plan can pay for doctor and hospital bills, X-rays, lab work, medicine and other associated expenses, up to your medical coverage limit. Evacuation insurance and travel medical insurance have separate coverage limits. For example, a generous travel insurance plan might have up to $500,000 for medical expenses and up to $1 million for evacuation.

When you’re well enough to travel, your travel insurance company can pay for your flight home.

Do You Need Both Medical Evacuation and Travel Medical Insurance?

It’s prudent to have both medical evacuation travel insurance and travel medical insurance when traveling abroad.

“If you’re not prepared to pay all your medical bills out of pocket, this is a crucial reason to buy travel insurance that includes emergency medical coverage and transportation benefits,” says Durazo at Allianz.

If you are traveling outside the U.S., it’s often essential that you have travel medical expense insurance because your domestic health insurance plan may have little or no international coverage. Check with your health insurance company to see if your plan has global coverage and whether it’s considered “out of network.” Also, senior travelers should know that Medicare isn’t accepted abroad.

How to Get Approval to Use Medical Evacuation Insurance

After a medical emergency during a trip, the first call should be to the local emergency services. Then, you or your companion or tour guide should call your travel insurance company’s emergency hotline or customer service number.

“The assistance team, which includes emergency room physicians and travel experts, reviews the case and contacts your physician to discuss your treatment, help manage your care and determine if emergency medical transport is necessary,” says Durazo.

To use medical evacuation insurance, you usually must have an emergency evacuation ordered by the onsite, attending physician who certifies that the severity of your accidental injury or illness warrants the move.

Ideally, your travel insurance company would help coordinate the medevac and the move, and sign-off on it in advance. If that’s not possible, your travel insurance company should be notified as soon as possible.

If you require emergency medical transportation, your options may include an air ambulance or a commercial airline.

How Will You Be Transported?

While you may think an air ambulance is your only choice, Durazo says working with a commercial carrier is typically a better experience for the patient and their companions for several reasons:

  • Most air ambulances are small aircraft that can only fly for four to six hours at a time, requiring frequent landings to refuel. They may accommodate only the patient, nurse and one guest in very tight quarters, often without a bathroom and with minimal luggage storage space, he says.
  • Commercial carriers offer more options, including direct flights, better overall flight quality and room for multiple members of accompanying medical staff and travel companions.
  • Patients may travel in either first or business class, where they can lay flat if medically necessary.

Your Travel Insurance Company’s 24/7 Assistance Line Can Help

Travel insurance companies generally have a staff of physicians, interpreters and travel experts available to help you around the clock. You can contact your travel insurance company by calling the dedicated 24/7 travel assistance hotline or using its app, if one is available, to reach the care team.

“The assistance team can help coordinate care with the doctors treating you in your destination, as well as help you get to a high-quality medical facility with appropriate treatment options—all to ensure the best medical care possible,” explains Durazo.

In addition to arranging emergency medical transportation, Durazo says these teams usually offer aid throughout the treatment. For instance, the staff at Allianz Global Assistance will stay in touch with doctors to review daily medical reports and relay updates to family members, provide interpretation services if needed and help guarantee payment to the treatment center and handle billing.

Do You Need Evacuation Insurance for Trips Within the U.S?

There are some instances when medical evacuation travel insurance can be a smart choice even when traveling within the U.S, says Durazo.

For example, if you are doing a dude ranch trip or taking an adventure-oriented trip in a remote area, it’s wise to have evacuation coverage. If you’re injured, your health plan should cover your transportation to a hospital and your medical care once you’re there, but it likely won’t pay for a flight home requiring medical equipment and a medical escort. Additionally, you’ll be responsible for copays and deductibles that come with your health insurance coverage.

On the other hand, let’s say you’re visiting a college friend in Chicago and plan to shop and visit museums in the Windy City. You probably won’t need emergency evacuation coverage in that case.

How Much Medical Evacuation Travel Insurance Do I Need?

Limits for emergency medical evacuation insurance vary by company and plan. The most generous travel insurance plans provide $1 million in medical evacuation coverage per person. For example, the Platinum plan from AXA Assistance USA and the OneTripPremier Plan from Allianz include up to $1 million in medical evacuation coverage.

However, you can find plans with lower coverage amounts. For instance, the Silver plan from AXA Assistance USA provides $100,000 for emergency evacuation, and the OneTrip Basic Plan from Allianz provides $50,000 in emergency medical transportation benefits.

Most travel insurance plans offer a 14- or 15-day “free look” period during which you can review your policy. “If you then decide during the free look period that the product doesn’t meet your needs, you can purchase a new product with more or less coverage or cancel the policy for a full refund,” says Durazo.

How Do You Buy Medical Evacuation Travel Insurance?

You can buy medical evacuation travel insurance as part of a comprehensive travel insurance plan or a stand-alone travel medical plan.

Travel medical insurance and emergency medical transportation insurance are often purchased as part of a comprehensive travel insurance plan that also includes trip cancellation insurancetravel delay insurancetrip interruption insurance and baggage insurance.

However, says Durazo, if you’re not concerned with trip cancellation, you can find plans covering just medical-related trip issues. For example, Allianz offers the OneTrip Emergency Medical Plan, which provides up to $50,000 in medical expense coverage and $250,000 in emergency evacuation benefits.

Check for This Fine Print

Details of coverage vary by plan and travel insurance company, so be sure to review the following details.

Hospital-stay requirements

Benefits for your children’s flight home and for someone to be flown in to visit you are generally for extended hospitalizations. For instance, this may need to be seven days or more. That means if you’re in the hospital for four days, these benefits may not apply.

Hospital of choice

Most medical evacuation insurance plans stipulate that you are flown to the nearest adequate facility for treatment. If you need further care after that, some plans have add-on coverage that allows you to choose the hospital you go to next. For example, the AIG Travel Guard Deluxe plan allows you to request transportation to the hospital of your choice for further care, recovery or treatment after you’re stabilized.

Also, hospital choice benefits usually don’t apply to nursing homes or rehabilitation centers. Be sure to ask your travel insurance company if “hospital of choice” is offered and how it works.

Extreme sports exclusions

Some travel insurance plans exclude injuries resulting from extreme sports or adventure activities from medical and evacuation benefits. You can sometimes add a rider to get coverage, or look for a plan that covers your specific activities.

Emergency Medical Transportation and Covid

With many countries still high-risk for Covid, or designated as Level 3 by the Centers for Disease Control and Prevention, the importance of emergency medical transport insurance is even more valuable.

Squaremouth, a travel insurance comparison provider, recommends a minimum of $100,000 in emergency medical evacuation coverage, to account for Covid-19-related evacuation expenses. Make sure the plan will cover Covid-related claims.

If you’re heading to a remote destination, where it may be more expensive or difficult to reach a medical facility, Squaremouth recommends $250,000 in medical evacuation coverage.

See our ratings of the best pandemic travel insurance plans.

Other Medevac Options

Companies like Medjet and Global Rescue can be a good fit for those who want to be flown directly back to the U.S. after a medical emergency rather than to the nearest hospital equipped to treat you, as mandated in travel insurance plans.

These types of companies are also worth serious consideration if you are participating in extreme sports during your vacation or you have pre-existing medical conditions.

Medjet

Medjet provides private or commercial medevac or air ambulance transportation from a hospital anywhere in the world to the hospital of your choice in your home country. In order to use Medjet services, you must buy a membership before your trip. And you must be traveling at least 150 miles from home. Medical and legal specialists are on staff to assist you.

The company offers a variety of membership plans for domestic and international travel, college students, business travelers and more. Plans for short-term vacations of eight, 15, 21 and 30 days start at $99 for an individual and $199 for a family.

Medjet also offers a plan that adds on security help and crisis response.

Global Rescue

Global Rescue is a provider of medical, security, evacuation and travel risk management services to enterprises, governments and individuals. An individual annual membership is $349.

One benefit of Global Rescue is that you can be airlifted from where you had your accident or injury.

“If you have a minor injury or illness, you can call Global Rescue and speak to an on-staff medical expert who will help sort out the dos and don’ts based on your unique situation and symptoms,” says Dan Richards, chief executive officer of Global Rescue.

For major injury or illness, including Covid, Global Rescue assesses the circumstances and arranges for field rescue medical evacuation or repatriation, says Richards.

“If the case is complicated, we may deploy to the member’s bedside to make sure they’re getting the care they need to get stable enough for transport,” he says.

Global Rescue also provides emergency evacuation for non-medical emergencies. With a security upgrade, Global Rescue provides advisory and evacuation services for unpredicted natural disasters, civil unrest, acts of terrorism and government-ordered evacuations.

“Global Rescue’s services extend to wherever the individual is, and the personnel who respond are among the most highly trained paramedics, nurses, doctors and military special operations veterans available. We don’t just take the phone call; we dispatch our personnel to the site of the crisis and use all available means to get them to safety and the care they need,” says Richards.

More About Services Like Medjet and Global Rescue

You might want to buy Medjet or Global Rescue memberships as supplemental coverage to a travel insurance plan if you frequently travel to remote locations.

With Medjet and Global Rescue, there is no cap on the coverage for transportation as there is with travel insurance. You just pay the membership fee.

“If a member gets sick or injured while skiing in the backcountry, paragliding, rock climbing or anything else, our services are in force,” Richards says.

Another advantage of services like Medjet and Global Rescue is that you won’t have to file a reimbursement claim for evacuation services. Your membership is your access to coverage.

You can also be airlifted directly from the location of your emergency with Global Rescue services. “We will rescue you from the point of injury or illness (field rescue) and get you to a medical facility where you can get diagnosed and treated,” says Richards.

However, Medjet and Global Rescue aren’t travel insurance companies, so you won’t find coverage for medical expenses, trip cancellation, interruptions, delays or baggage.