Add-ons & Coverage
- Trip cancellation: $5K–$100K
- Trip interruption:$5K–$150K
- Lost baggage: $500–$2K
- 24-hour hotline assistance
- AllTrips Basic, Executive, Premier, and Prime
- OneTrip Prime, Basic, Premier, Emergency Medical, and Cancellation Plus
How to Find the Best International Travel Insurance
Buy sooner rather than later: Some travel insurance policies are time sensitive, so we recommend purchasing insurance at the same time as your plane tickets, hotel rooms, and other expenses.
Also, if you plan to add “cancel for any reason” or “cancel for work reasons” coverage, it’s a good idea to buy those as soon as possible, too. You never know when something might arise that conflicts with your trip.
Consider your travel companions: The best policy for you depends on your trip and who you’re traveling with. If you’re traveling with kids, choose a company like Travelex that covers children under 18 for free.
You’ll also want to take the ages of adult travelers into account. When we compared travel insurance quotes, IMG hiked its prices up much more for older travelers (ages 45 to 65), while Travelex and John Hancock tended to be a little more affordable. You can get quotes from several providers to see which one can give you the cheapest travel insurance policy.
Avoid paying for double coverage: Many travel insurance companies promote upgrades that overlap with coverage you already have. For example, they may offer to cover your home and belongings while you’re away, but most homeowners and renters policies already protect those things.
You may also see options like rental car insurance, but many credit cards have rental car damage waivers for international travel. Double check your current insurance policies to make sure you don’t end up paying for duplicate coverage.
How much does international travel insurance cost?
The cost of international travel insurance depends on where you’re going, how long you’re going to be abroad, how many people you’re traveling with, and extra coverage. Some insurance companies calculate rates based on a certain percentage of your trip’s total pre-paid cost.
How much travel insurance do I need?
The amount of travel insurance you need is based on the pre-paid cost of your trip and the level of risk you face. For instance, someone going on a low-risk beach vacation in the Bahamas won’t need as much coverage as someone traveling to go mountain climbing in Nepal.