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Types of Travel Insurance Coverage

Choose from a variety of policies to find the perfect fit, for example:

Standard Single Trip Policies

Ideal for occasional travelers seeking essential coverage for one specific trip.

Single Trip Policies

Annual / Multi Trip Policies

These policies are cost-effective for frequent travelers. They provide emergency medical, medical evacuation, and travel delay coverage for multiple trips over a year.

Annual Policies

Cruise Insurance Policies

Specifically designed for cruise travelers, covering risks like missed ports, shipboard medical emergencies, and itinerary changes due to weather or mechanical issues.

Cruise Insurance

Adventure & Sports Policies

Perfect for thrill-seekers, these policies cover high-risk activities like skydiving, bungee jumping, and mountain climbing. They also include benefits for sports equipment and fees, such as lost or damaged gear.

Adventure Policies

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What should I look for in a policy?

Choosing the right travel insurance is the best way to create a worry-free trip.

Emergency Medical

Emergency medical insurance helps pay for medical costs if you get sick or injured while traveling. It covers things like hospital stays and treatments not covered by your regular health insurance, often limited to your local network.
Recommended Coverage:
  • $50,000 for International Travel
  • $100,000 for Cruises
Best for travelers with:
  • International Destinations
  • Pre-Existing Conditions
  • Adventurous Activities

Medical Evacuation

Emergency evacuation insurance covers getting you to a safe place or home if you're seriously ill or injured. It pays for medical flights or other transportation when local care isn’t enough.
Recommended Coverage:
  • $250,000 per Trip
Best for travelers with:
  • Remote Destinations
  • Cruises
  • High-Risk Activities

Trip Cancellation

Much like a safety net that helps protect your investment, trip cancellation insurance reimburses you for pre-paid travel expenses if you need to cancel your trip due to covered reasons, like illness or emergencies.
Recommended Coverage:
  • 100% of Trip Cost
Best for travelers with:
  • High Non-Refundable Bookings
  • Long-Planned Vacations
  • Large Groups

Cancel For Any Reason (CFAR)

This optional add-on lets you get some of your travel costs back if you cancel your trip for any reason, not just emergencies covered by a Trip Cancellation benefit.
Recommended Coverage:
  • 75% of Trip Cost
Best for travelers with:
  • Unpredictable Plans
  • Trips during Global Events
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Trip Interruption

Trip interruption insurance helps you recover costs if you have to cut your trip short and go home early due to unexpected issues, like a family emergency. It covers unused travel expenses and extra costs for getting home.
Recommended Coverage:
  • 125% of Trip Cost
Best for travelers with:
  • Long, Expensive Trips
  • Scheduled Events

Trip Delay Protection

Trip delay insurance reimburses you for extra costs, like meals and lodging, if your trip is delayed for reasons like flight cancellations.  It helps cover expenses while you wait to continue your journey.
Recommended Coverage:
  • 500+ per Traveler
  • With delays starting at 6 hours
Best for travelers with:
  • Multi-Leg Journeys
  • Cruises
  • Trips during Peak Season
Learn more about all travel insurance benefits and coverages.

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What Does Travel Insurance Cover?

Travel insurance is designed to cover out-of-pocket expenses relating to an unforeseen disruption to your trip. The majority of policies sold through Squaremouth are comprehensive and offer coverage for trip cancellations, medical emergencies, significant delays, and mishandled or lost luggage.

How Much Does Travel Insurance Cost?

While the cost depends on several factors, the average price of a comprehensive travel insurance policy is typically between 4% to 10% of your total trip cost.

Here’s how prices are usually set:

  1. Trip Length: Longer trips are usually more expensive.
  2. Age: Older travelers often pay more because of higher health risks.
  3. Policy Type: Basic plans cover just medical issues and cost less. Comprehensive plans include extras like trip cancellation and baggage loss.
  4. Coverage & Add-ons: The more risk a policy covers, such as CFAR or high medical limits, the more it will cost.

What Should I Look for When Comparing Travel Insurance?

There's no one-size-fits-all policy when it comes to travel insurance. Choosing the right travel insurance is the best way to create a worry-free trip.

  • Benefits: The situations and expenses that are covered by a travel insurance policy.
  • Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
  • Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
  • Premium: The cost of the policy for your specific trip.
  • Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

When is the Best Time to Buy Travel Insurance?

Buy travel insurance right after booking your trip. This ensures immediate coverage for unexpected events like cancellations. Plus, you can access added benefits, such as coverage for pre-existing conditions and Cancel For Any Reason (CFAR) options, if you purchase within 14-21 days of your initial deposit.

Will My Policy Cover Trip Cancellations?

Most comprehensive plans cover trip cancellations for illness, natural disasters, or work obligations. Typically, they reimburse 100% of your prepaid, non-refundable costs, so you're covered if plans change unexpectedly.

Is International Travel Insurance Required?

While overseas travel insurance isn't a mandatory entry requirement for most international destinations, getting some form of travel protection is strongly recommended. Travel insurance covers unexpected medical expenses that most primary health plans, including Medicare, won’t cover abroad. If you’re planning a trip overseas, we recommend policies that include at least $50,000 in Emergency Medical coverage.

Are Pre-Existing Conditions Covered by Travel Insurance?

Sometimes. Many plans exclude pre-existing conditions, but some offer waivers if you buy soon after booking. Check your policy details carefully. With Squaremouth, you can easily find plans that fit your needs using our benefit filters.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip insurance covers one trip, ideal for occasional travelers. Annual insurance covers multiple trips in a year, perfect for frequent travelers; it’s cost-effective and convenient, providing continuous basic benefit coverage (emergency medical, medical evacuation, and trip delay) all year round.