Travel Insurance Plans for New York Residents (2026)
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Key Takeaways
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New York has unique insurance regulations that dictate what policies can be sold in the state, meaning less options for NY residents.
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These strict regulations mean limited availability of annual travel insurance plans, cruise-specific policies, and Cancel For Any Reason (CFAR) add-ons for New Yorkers.
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We reviewed all policies available to NY residents on Squaremouth to provide you with a list of the top coverage options available, which come from Tin Leg, Berkshire Hathaway, WorldTrips, and IMG.
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Despite limited options, New Yorkers pay some of the lowest travel insurance premiums in the nation, around 18% lower than the national average and the second-lowest average premium of any U.S. state.
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To find policies available to New York residents, use our travel insurance quote tool to compare plans and providers, or call our award-winning agents at 1-800-240-0369 for personalized guidance.
Most Popular Travel Insurance for New York Residents
After reviewing all plans available to New York residents on Squaremouth, we selected four standout policies based on sales data, coverage quality, customer satisfaction scores, and NY-specific eligibility. Whether you’re planning an Italy vacation, multi-destination cruise, or a quick weekend getaway, there’s a plan built for you.
- Top Selling Plan Among New York Residents: Tin Leg – Gold
- Most Affordable Coverage for New York Residents: Berkshire Hathaway – ExactCare Value
- Top CFAR Coverage for New York Residents: WorldTrips – Atlas Journey Preferred
- Strongest Cruise Protection for New York Residents: IMG – iTravelInsured Choice
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. We award each category to the top-selling plans that meet the specific criteria outlined below.
- Top Selling Plan Among New York Residents: Travel insurance policy sales, sorted from most to least, among travelers with New York listed as their state of residence.
- Most Affordable Coverage for New York Residents: Over 100 sales, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by average premium from lowest to highest.
- Top CFAR Coverage for New York Residents: Travel insurance policy sales purchased with the CFAR filter activated, sorted from most to least, among travelers with New York listed as their state of residence.
- Strongest Cruise Protection for New York Residents: Over 100 sales, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, cruise filter applied by customer, sorted by average premium from lowest to highest.
Tin Leg is a Squaremouth proprietary brand, so we understand its inclusion on this list may look biased. However, the truth is actually very different.
Tin Leg was designed to better serve our customers.
We built Tin Leg plans based on 23 years of industry experience, customer feedback, and market analyses. Tin Leg was designed to fill a gap for our customers by offering stronger coverage limits at more affordable prices. For this reason, independent reviews (U.S. News 2026, Men’s Journal 2026, Forbes 2025, USA Today 2023) have repeatedly named Tin Leg as one of the top travel insurers in the nation.
Check for yourself.
When you look at the raw stats by comparing coverage and price across providers and plans, Tin Leg comes out as a top option most of the time. This is further corroborated by real customer reviews across multiple review platforms that rank Tin Leg among the top providers for customer satisfaction.
Our commitment remains the same.
Squaremouth’s core values include never upselling or pushing policies you don’t need, and this includes Tin Leg policies. As a comparison site, we have a vested interest in remaining neutral, and we never offer preferential treatment to individual providers.
So if you see Tin Leg appearing in rankings, know that this is based on unbiased data, independent reviews, and clear coverage comparisons.
The Best NY Travel Insurance Plans in Detail
Top Selling Plan for New York Residents
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The best-selling travel insurance plan among New York residents, accounting for more than 33% of all policy sales made by New Yorkers
Includes up to $500,000 in Emergency Medical and Medical Evacuation coverage, which is among the highest on the market.
Covers up to $30,000 in prepaid, non-refundable travel expenses, roughly 5 times higher than the average trip cost of a New York Resident
Tin Leg is one of the highest-rated providers for customer satisfaction, and the Tin Leg Gold plan is the most popular travel insurance plan among Squaremouth customers both nationwide and in the state of New York. This policy offers comprehensive trip protection across all benefit categories, with particularly strong coverage for medical emergencies and emergency evacuations ($500,000 for each). These benefits should be more than enough for traveling overseas to destinations that do not accept U.S. health insurance. Tin Leg Gold also stands out for offering generous protection for adventure sports, covering over 250 high-risk activities, which is commonly excluded from most other travel insurers.
Most Affordable Coverage for New York Residents
Medical / Med Evac Coverage
$15,000 / $150,000Cancellation / Interruption Limits
100% / 100% of trip cost
The lowest-priced policy with Trip Cancellation coverage on the market for New Yorkers, with an average premium of $126, roughly half the state’s overall average premium
Includes $15,000 in Emergency Medical coverage and $150,000 in Medical Evacuation coverage, which may be suitable for quick getaways to low-risk destinations
Provides $750 in coverage for personal items that get lost, stolen, or damaged throughout your trip
As the cost of travel continues to rise, finding cost-effective trip protection is one way to travel smart while staying on budget. The ExactCare Value plan is Berkshire Hathaway’s entry-level travel insurance policy and provides basic coverage at an unbeatable price. It offers financial protection for cancellations, medical emergencies, delays, and baggage mishaps at a fraction of the cost of other policies. Be aware that this plan does limit medical reimbursements to $15,000, which is considered low when traveling abroad. Therefore, this policy is best-suited for domestic travel or locations where you are able to rely on standard health insurance to pay for the bulk of any unexpected medical expenses.
Top CFAR Coverage for New York Residents
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
One of four policies currently on the market approved to provide Cancel For Any Reason coverage to New York residents
The most popular CFAR coverage for travelers departing from New York, purchased by over 70% of New York residents who applied the CFAR filter while looking for travel insurance
Offers broad Trip Cancellation coverage, providing reimbursement if you need to cancel due to medical emergencies, inclement weather, natural disasters, financial default of a common carrier, and other reasons
WorldTrips is one of the few travel insurance providers available in the state of New York that is approved to sell Cancel For Any Reason (CFAR) coverage. Of all available CFAR policies, our data shows that Atlas Journey Preferred is by far the most popular choice among New Yorkers. Even without this add-on, Atlas Journey Preferred is a very strong and competitively priced policy, offering generous coverage like $1,000,000 in Medical Evacuation protection and up to $2,000 in reimbursement for covered flight delays. These high limits make it a great option for international travel. Note that CFAR coverage is only available when you purchase within 21 days of your first trip deposit.
Strongest Cruise Protection for New York Residents
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Comes standard with $500,000 in Medical Evacuation and $100,000 in Non-Medical Evacuation coverage, which can reimburse emergency transportation services on land or at sea
Insures individuals up to 99 years of age, making it a great option for senior cruisers starting their journey in New York
Includes $500 in Missed Connection coverage in the event you miss your cruise departure due to a covered reason, such as a delay en route to your departure port
IMG’s popular iTravelInsured Choice policy is the best cruise insurance available to New York residents. This policy covers emergency medical expenses and evacuation from the cruise ship, and was also designed to cover other cruise-specific scenarios like disruptions due to storms, low water levels, onboard virus outbreaks, mechanical breakdowns, missed cruise connections, unexpected itinerary changes, and more. This policy also offers $1,000 in reimbursement for lost, stolen, or damaged personal items, which can protect you if your personal belongings are stolen or damaged while on a shore excursion.
Why Is Travel Insurance for NY Residents So Limited?
New York has some of the most consumer-protective insurance regulations in the country, overseen by the New York Department of Financial Services (NYDFS). These regulations affect which travel insurance plans are available to NY residents, how policies are written, and how benefits are structured. This is also why NY residents have fewer policies available to them than residents of other states, and why certain types of coverage are more limited or restricted.
Despite tight regulations, New Yorkers still have access to a wide range of travel insurance plans from the nation’s top providers.
Can New York Residents Get Annual Travel Insurance?
Yes, but New York residents have fewer options than residents of other states.
Of the 5 travel insurance providers selling annual travel insurance on Squaremouth, only Trawick sells annual policies in New York state and offers three policies:
- Trawick Annual Select
- Trawick Annual Preferred
- Trawick Annual Prime
These policies offer flat-rate pricing, can cover you both domestically and abroad, and are available for travelers up to age 80.
Use our Annual Travel Insurance Comparison Tool to compare these policies in detail.
Can New York Residents Get Cancel for Any Reason (CFAR) Insurance?
Yes, but there are very few providers licensed to sell CFAR insurance in New York state, which means you’ll have less options to choose from.
Three providers on Squaremouth offer optional CFAR upgrades to New York residents:
- WorldTrips
- Travelex
- Aegis
The WorldTrips Atlas Journey plan is the most popular option among Squaremouth customers.
Keep in mind that CFAR plans can only reimburse between 50-75% of your insured trip costs when you cancel for a reason not covered by standard trip cancellation. You must meet certain eligibility requirements to qualify for this add-on, such as purchasing within a specific window and insuring all of your travel expenses.
Can New York Residents Get Pre-Existing Condition Coverage?
Yes, unlike other coverage options which are limited in New York State, plans with pre-existing condition waivers are widely available to New York residents.
This waiver removes any exclusions relating to health issues that were prevalent when your policy was purchased, ensuring you’re financially covered if you experience a flare-up or re-injury during your trip. That said, just like CFAR coverage, pre-existing condition waivers are time-sensitive and must be purchased within 14-21 days of your initial trip deposit.
Try our search filter to find policies specifically suited to covering pre-existing conditions.
Cost Comparison of Popular Travel Insurance Plans in NY State
As mentioned, New York residents typically spend around $250 on travel insurance. However, the actual cost of protecting your trip will depend on specific factors like your age, destination, trip length, and trip cost. As a rule of thumb, you can expect to pay 4-10% of your total insured trip cost for comprehensive trip protection.
Below are sample prices for our four recommended plans, based on various traveler profiles heading on a 12-day Italy adventure.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$152 |
$320 |
$634 |
Get Quotes | |
$54 |
$164 |
$280 |
Get Quotes | |
$120 |
$270 |
$502 |
Get Quotes | |
$127 |
$263 |
$574 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
Of the policies on this list, Berkshire Hathaway’s ExactCare Value option offers the most affordable trip protection for NY residents.
It’s important to keep in mind that this plan offers limited medical and cancellation coverage, and may not be suitable for extensive travel or high-cost trips abroad. The sample quotes show that these plans run between 1.4 – 2.7% of overall trip cost, well below the industry average.
Despite being the top-selling plan among New Yorkers, Tin Leg Gold is continually the most expensive option, largely driven by the high medical and evacuation coverage limits found on this policy. Based on the sample premiums above, Tin Leg plans range from 3.8 – 5.7% of the total trip cost.
Compare Benefits for the New York Insurance Plans
Price is just one piece of the puzzle. For most travelers, the amount of coverage a policy provides takes priority over premiums. See how our picks for the best NY coverage stack up side-by-side.
WorldTrips’ Atlas Journey Preferred policy leads the group in raw coverage limits, while Tin Leg’s Gold plan offers the most well-rounded protection across every category. IMG offers the lowest medical and evacuation coverage of the bunch, but comes in at a much lower price point compared to its competitors.
| Travel Insurance Benefit | Tin Leg Gold |
Berkshire Hathaway ExactCare Value |
WorldTrips Atlas Journey Preferred | IMG iTravelInsured Choice |
|---|---|---|---|---|
| Emergency Medical | Up to $500,000 | Up to $15,000 | Up to $100,000 | Up to $100,000 |
| Medical Evacuation | Up to $500,000 | Up to $150,000 | Up to $1,000,000 | Up to $500,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 100% of trip cost | 150% of trip cost | 100% of trip cost |
| Travel Delay | $500 per person after a 6-hour delay | $500 per person after a 12-hour delay | $2,000 per person after a 5-hour delay | $1,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay | No Coverage | $1,500 per person after a 3-hour delay | (Cruise and tour only) $500 per person after a 6-hour delay |
| Baggage Loss | $500 per person | $750 per person | $1,500 per person | $1,000 per person |
| Baggage Delay | $200 per person after a 24-hour delay | $200 per person after a 24-hour delay | $300 per person after a 12-hour delay | $300 per person after a 6-hour delay |
Provider Satisfaction Ratings & Reliability
Every plan featured on this page earns an A+ BBB rating, while Berkshire Hathaway and WorldTrips hold the highest AM Best ratings at A++ (Superior). All providers are financially strong and can be trusted with your coverage needs.
Tin Leg leads in customer satisfaction ratings, closely followed by Berkshire Hathaway and WorldTrips, though all four providers see their lowest scores for customer service during a trip, a common pattern in the travel insurance industry.
| Customer Satisfaction | Tin Leg | Berkshire Hathaway | WorldTrips | IMG |
|---|---|---|---|---|
| Overall Rating | 4.5 / 5 | 4.3 / 5 | 4.2 / 5 | 4.2 / 5 |
| A.M. Best Rating | A (Excellent) | A++ (Superior) | A++ (Superior) | A- (Excellent) |
| BBB Rating | A+ | A+ | A+ | A+ |
FAQs: NY Travel Insurance Plans
Is Travel Insurance More Expensive in New York?
New Yorkers tend to pay less than residents of other states for Travel Insurance.
A combination of state regulations and general travel habits contributes to NY residents having an average premium roughly 18% below the national average.
Based on Squaremouth sales data from tens of thousands of New York residents over the past year, the table below shows how New Yorkers plan, spend, and protect their trips compared to the rest of the country.
| NY Residents | National Average | |
|---|---|---|
| Avg. Travel Insurance Premium | $254 | $310 |
| Avg. Trip Cost | $6,140 | $7,250 |
| Avg. Trip Length | 12 Days | 15 Days |
| Top 3 Destinations | Italy, Israel, Mexico | Mexico, Italy, Great Britain |
New York residents tend to book slightly shorter, lower-cost trips compared to the national average, which explains why the state has the second-lowest average premiums in the country.
What Travel Insurance Options Are Available For New York Residents?
Squaremouth offers the largest selection of travel insurance policies for New York residents, with plans available from 80% of the providers we work with.
The following providers sell policies in NY state:
- Aegis
- Arch RoamRight
- AXA Assistance USA
- Berkshire Hathaway Travel Protection
- battleface
- Detour Insurance
- Generali Global Assistance
- HTH Travel Insurance
- IMG / iTravelInsured
- John Hancock Insurance Agency, Inc.
- MedjetAssist
- Tin Leg
- Travelex Insurance Services
- Trawick International
- USI Affinity Travel Insurance Services
- WorldTrips
Why Are Some Travel Insurance Plans Not Available to NY Residents?
New York’s Department of Financial Services (NYDFS) requires all insurance products sold in the state to be formally filed and approved before they’re offered to residents. This regulatory process can slow the rollout of some plans in New York or require adjustments to be made before being sold in the state. When you enter New York as your state of residence on Squaremouth, only plans legally available to NY residents are shown.