Explore Travel Insurance Types and Quotes

Standard Single Trip Policies

Our top plan type that covers cancellations, medical emergencies, delays, and luggage, protecting you from purchase to return.

Single Trip Policies

Annual / Multi Trip Policies

A cost-effective choice for frequent travelers, these plans include medical, delay, and luggage benefits, with optional add-ons for trip cancellation or interruption.

Annual Policies

Cruise Insurance Policies

Offers comprehensive protection for land and sea trips, with high medical coverage and weather safeguards.

Cruise Insurance

Adventure & Sports Policies

Adrenaline-seeker? No problem. These plans cover lost or delayed sports equipment, cancellations, and medical emergencies.

Adventure Policies

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What Travel Insurance Benefits Do I Need?

Check out the comprehensive benefits our providers offer and find the perfect policy to meet your travel needs.

Relax knowing that if you need to cancel your trip for a covered reason, your prepaid, non-refundable travel expenses are protected.
Suggested Coverage: 100% of Trip Cost
Want more flexibility? This optional add-on lets you get back up to 75% of your trip costs if you cancel for a reason not covered by Trip Cancellation.
Suggested Coverage: 75% of Trip Cost
Stay protected from unexpected health issues on your trip. Covering costs like doctor visits, hospital stays, and even ambulance rides, you can travel with peace of mind knowing you're shielded from hefty medical bills.
Suggested Coverage: $50,000+ per traveler
Stuck in a delay or missed connection? Don't worry. Your food, accommodations, and extra costs can be covered to keep you comfortable.
Suggested Coverage: $1,000+ per traveler
Keep your belongings safe with baggage benefits that reimburse you if your stuff gets lost, damaged, or delayed during your trip.
Suggested Coverage: $500+ per traveler
Avoid significant out-of-pocket expenses with coverage for emergency medical evacuation services while traveling domestically or abroad.
Suggested Coverage: $100,000+ per traveler
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?

Comprehensive travel insurance usually costs between 5% to 10% of your insured trip expenses. Factors like your trip cost, age, trip length, and coverage needs can impact pricing. You can lower your premium by comparing plans and choosing policies that don’t include cancellation coverage.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

  • 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.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations for reasons like sudden illness, injury, death of a family member, natural disasters, or unexpected work obligations. Policies with Trip Cancellation benefits usually offer 100% reimbursement for prepaid, non-refundable trip costs.

Where Can I Buy Travel Insurance?

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. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

Does Travel Insurance Cover Canceled Flights?

Yes, the majority of travel insurance plans provide reimbursement if your flight is canceled and your travel plans are significantly delayed. You may be eligible for coverage through your policy’s Travel Delay or Trip Cancellation benefit depending on how soon you’re able to be rebooked.

Is Travel Insurance Necessary for International Travel?

Travel insurance acts as a financial safety net as you explore the world. Since most U.S. healthcare plans don’t extend coverage overseas, travel insurance can act as an international health insurance plan that protects you from unexpected medical expenses you may face during a trip. While rare, certain destinations or tour operators may require proof of travel insurance that lasts for the duration of your trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

It depends. Many travel insurance plans exclude coverage for pre-existing conditions, but some offer wavers, if you purchase within 14-21 days of your initial trip deposit. Check your policy details carefully to understand the specifics.

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

Single-trip travel insurance covers you for one specific trip and is the most popular choice. Annual Travel Insurance on the other hand, covers multiple trips within a year. If you travel frequently, an annual plan can be more cost-effective and convenient than buying individual policies for each trip.

How Do I File A Travel Insurance Claim?

Each provider will have their own unique claims process. However, most will include the following steps:

  1. Contact your insurer: Notify them as soon as possible about the incident.
  2. Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
  3. Complete the claim form: Fill out the insurer's claim form with accurate details.
  4. Follow up: Stay in touch with the insurer for updates on your claim status.

View our Claims Center for more information on filing a travel insurance claim.