COMPARE TOP TRAVEL INSURANCE PLANS
One medical emergency abroad can cost $100,000+. Protect your trip and health with the right travel insurance — from just $22.
Plans from $22 · No obligation to buy · Instant comparison
Potential medical evacuation cost
Lowest plan price per trip
Of trip cost (typical plan)
Emergency travel assistance
We compare plans from the top-rated travel insurers. Pricing varies by trip cost, destination, and traveler age.
Most popular — 45M+ customers
Strong emergency medical & evacuation
No per-person pricing on family plans
Up to $1M medical evacuation
Multi-trip annual plans available
Best cancel-for-any-reason option
Great for international students
Top-rated claims satisfaction
*Prices vary significantly based on traveler age, trip cost, destination, and coverage level.
Comprehensive travel insurance typically includes multiple protection types. Here's what each covers — and its limits.
Reimburses prepaid, non-refundable trip costs if you must cancel for a covered reason before departure.
✓ Covered reasons include:
Not covered: Changing your mind, work reasons (unless CFAR)
Covers medical treatment costs if you get sick or injured while traveling. Critical if your health insurance doesn't cover you abroad.
✓ Covered reasons include:
Not covered: Pre-existing conditions (unless waived), routine care
Pays for emergency transport to the nearest adequate medical facility or back to your home country. Can cost $50,000–$250,000 without insurance.
✓ Covered reasons include:
Not covered: Non-emergency transport
Covers costs if your trip is cut short mid-travel due to a covered reason. Includes unused trip portions and extra return travel costs.
✓ Covered reasons include:
Not covered: Voluntary early return
Reimburses lost, stolen, or damaged luggage and personal belongings during your trip.
✓ Covered reasons include:
Not covered: Electronics often sub-limited; valuables may need riders
Covers meals, accommodation, and transportation if your trip is delayed beyond a minimum threshold (usually 6–12 hours).
✓ Covered reasons include:
Not covered: Delays under the minimum threshold
Several factors determine your premium. Here's a breakdown of the main cost drivers.
Most plans cost 4–10% of your total trip cost. A $5,000 trip typically costs $200–$500 to insure.
Older travelers pay significantly more. A 70-year-old may pay 3–4x more than a 30-year-old for the same plan.
Trips to countries with expensive healthcare (US, Switzerland, Norway) or high-risk regions cost more to insure.
Longer trips cost more. Multi-month trips or annual plans work out cheaper per day than frequent single-trip policies.
Basic plans start around $22. Comprehensive plans with CFAR can cost 10–12% of trip cost.
Waiving pre-existing condition exclusions typically adds 30–50% to the premium but is worth it for chronic conditions.
Estimates for a 10-day international trip, standard comprehensive coverage
| Trip Cost | Age 30 | Age 50 | Age 65 | Age 75+ |
|---|---|---|---|---|
| $1,500 | $60 | $90 | $165 | $270 |
| $3,000 | $120 | $180 | $330 | $540 |
| $5,000 | $200 | $300 | $550 | $900 |
| $10,000 | $400 | $600 | $1,100 | $1,800 |
*Estimates only. Actual premiums vary by plan and provider.
Purchasing within 10–21 days of your first deposit unlocks the widest protection: pre-existing condition waivers, CFAR eligibility, and financial default coverage if your airline or cruise line goes bankrupt.
Once a hurricane is named, a pandemic declared, or a travel advisory issued, you can no longer buy coverage for that specific event. Insurance must be purchased before the threat is known to cover it.
Even buying the day before you leave provides medical and evacuation coverage. Trip cancellation protection obviously can't help at that point, but medical coverage alone can save you from catastrophic expenses abroad.
Compare travel insurance plans from top-rated providers. Buy in minutes, travel with peace of mind.
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