The best travel insurance plans offer much more beyond trip protection. When searching for a policy, consider everything from coverage to cost.
The best policies are comprehensive, typically including the following benefits:
Cancellations: protects 100% of prepaid and non-refundable trip expenses.
Medical emergencies: refunds the cost of medical treatment and an evacuation, if necessary.
Travel delays: reimburses meal and hotel expenses if your flight is significantly delayed.
Luggage: covers the purchase of essential items and the cost of lost luggage.
Many policies may also include other more specific coverages, with benefits for accidental death and dismemberment, rental cars, pre-existing conditions, and identity theft, among others.
While policies typically include many of the same benefits, some offer higher coverage amounts. Higher premiums don’t always mean more or better coverage, as premiums are calculated based on each provider’s target demographic. Always compare premiums to find a policy that includes the benefits you need for the lowest price.
From travel assistance services to filing a claim, the best plans are backed by insurance providers that offer a superior traveler experience - before, during, or after your trip.
Here are some of the most frequently asked questions from travelers like you.
Travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international travel or high cost trips. Some destinations may require proof of travel insurance that lasts for the duration of your stay.
Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations, medical emergencies, travel delays, missed connections, and lost luggage. Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.
The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. However, a policy without an insured trip cost will be significantly less expensive.
There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:
The best time to buy depends on the coverage a traveler needs. Trip Cancellation policies can be purchased up until the day before they leave. However, only unforeseen events can be covered, so we recommend travelers who want cancellation benefits buy as soon as possible. Travelers who primarily want travel health insurance during their trip can buy anytime up until the day before they leave.
Trip insurance is designed to protect travelers in case something goes wrong that impacts their trip. This includes financial reimbursement if their trip is canceled before they depart, as well as medical benefits, travel delay coverage, and other benefits that can cover them while they are traveling.
Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.
A trip being canceled or disrupted is the main reason most travelers buy travel insurance. If you are forced to cancel your trip, travel insurance may refund your losses, as long as the reason for the cancellation is covered within your policy. Learn more about what can be covered and how to file a travel insurance claim.
In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.
To avoid costly out-of-pocket medical care expenses, many travelers opt for travel health insurance. Exclusions and coverage limits will vary from one plan to the next. Those traveling with pre-existing medical conditions should find plans that specifically include Pre-Existing Condition coverage.
Squaremouth has helped more than 3 million travelers find the best policy for their trip.
With more than two decades of experience helping customers select the best travel insurance, Squaremouth offers an industry-leading comparison engine that millions of travelers have used to protect their trip expenses. Our platform, enriched by customer reviews, displays unbiased results based on your specific trip details. Enter your trip information for instant travel insurance quotes, and if you run into any trouble, our award-winning customer service team is just a phone call away to help you find the right policy for the most affordable price.
Our topic experts keep a constant pulse on the travel industry so we can provide the most current informationand recommendations based on today's traveler needs.
Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.What type of coverage is right for you?
If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.Learn the Squaremouth basics
I just went online to search for travel insurance and Squaremouth came up with the name of a company I used in the past. They compared several different companies and gave the prices. I could easily choose.
Sally from PA
Easy to Use Site
"I'm able to easily and quickly compare multiple plans and select the one that meets my needs the best."
Adam from CA
"Very easy to read and to compare benefits from various companies. Easy to purchase. Thank you!"
Pamela from FL