travel lite insurance

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MSIG TravelEasy Lite

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[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy up to 40% off your policy premium.    Get over S$80 worth of rewards: • Includes  S$30 Revolut cash reward •  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.    PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards.  T&Cs apply.

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MoneySmart Exclusive: Promotion is valid from 26-September-2024 to 30-September-2024.

Revolut Giveaway:  Promotion is valid from 01-September-2024 to 30-September-2024.

Customers need to apply through MoneySmart to be eligible.

Customers need to submit the MoneySmart Claim Form by 1st October 2024  to be eligible.

This promotion is valid for MSIG Single & Annual Trip Travel Insurance.

What you need to know

Enjoy 40% off  ( Single Trip)  and 20% off  ( Annual Trip) MSIG policy premiums. (no promo code required). Valid till 30 September 2024.

Receive an  Eskimo Global 1GB eSIM   as fast as 2 working days*  with every policy purchased. No min. spend required.  (No Claim Form Required).   T&Cs apply.

In order to qualify for your rewards: a. Premium  below S$64.99  (no min. spend) after any MSIG discount      i.  S$30 Revolut cash reward

b. Minimum premium of S$65  after any MSIG discount     i. S$10 Cash via PayNow and S$30 Revolut cash reward

c. Minimum premium of S$120  after any MSIG  discount     i. S$20 Cash via PayNow and S$30 Revolut cash reward

d. Minimum premium of S$240  after any MSIG discount     i. S$45 Cash via PayNow and S$30 Revolut cash reward     ii. OR 1 x Apple AirTag (worth S$45.40) and S$30 Revolut cash reward

*Faster cash redemption will be sent as fast as 1 month from 30th September 2024

Score  S$100 Revolut cash reward  in our giveaway with every travel insurance policy purchased (no min. spend) when you are the 8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

At times, you may need to make a claim under your insurance policy. Fret not, that's what insurance is for. Simply make your claim through MSIG's Claims Page here .

Quick Facts

What is covered under the plan.

Includes overseas medical expenses & emergency medical evacuation and repatriation for Covid-19

All Details

Key features.

The TravelEasy Lite plan offers basic coverage, making it perfect for travelers going on trips to nearby countries who need essential protection.

COVID-19 coverage of up to $25,000 for overseas medical expenses.

Get covered with TravelEasy Lite Plan with S$100,000 for emergency medical evacuation & repatriation

Get up to $500,000 coverage for Personal Liability

Covid-19 Protection

Travel inconvenience, personal accident, medical coverage, personal protection, leisure activities, other coverage protection, plan materials, moneysmart promotions.

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• International Medical Group(IMG)
• Travel Lite Details
• Travel Lite Insurance Reviews

IMG Travel Lite Insurance Reviews

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Travel Lite Insurance Cost, Travel Lite travel insurance

DISCLAIMER: **For CFAR, the following additional terms apply. CFAR must be added to the Travel LX plan at time the base plan is purchased and within 20 days of your initial trip deposit. You must cancel your trip 2 days or more before your scheduled departure date. CFAR does not cover the failure of your travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by IMG. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions.

In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340.

The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 2960 North Meridian Street Suite 300 Indianapolis, IN 46208 USA. Email to IMG . +1 (317) 655-9796. Travel Insurance Services CA Non-Resident Producer License No. 0F17093. **CFAR - Cancel for any reason

Travel Lite Insurance that covers Covid Quarantine

• Covid Quarantine Benefit : Coverage for accommodations due to a covered Trip Delay which is $2,500/$250 per person per day and is included in the basic coverage.
• US Residents on domestic and worldwide trips.
• This plan offers Trip Cancellation up to 100% of the non-refundable insured trip cost.

Travel Lite Links

• IMG Trip plans comparision
• Compare IMG plans
• Provider Network

IMG Travel Lite Insurance - Key Highlights

• For Age 14 days to 99 years of age and maximum trip duration is 180 days
• Inexpensive coverage for trip cancellation & interruption
• Pre-existing condition review period: 60 days
• Premium refund: if cancelled within 10 days from the plan effective date, as long as your trip departure date has not occurred and you have not filed a claim.
• IMG Travel Lite Insurance also offers coverage for travel and luggage delay along with emergency travel assistance services.
• Only the non-refundable deposit amount should be insured. You can increase coverage when additional non-refundable payments are made.
• Access to non-insurance 24/7 emergency travel assistance services.

Travel Lite Insurance Eligibility Coverage for US Residents on domestic and worldwide trips

IMG Travel Lite - Frequently asked questions

Img travel lite - faq's, 01.  is img travel insurance legit is img a real insurance company.

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02.  Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

03.  Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

04.  What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

05.  Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Travel Lite Insurance Restrictions

• Not Available for Addresses from the Following U.S. States/Territories: Missouri (MO) and Washington (WA).
• Travel Lite Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

What are some insurance terms important in Travel Lite reviews?

• What are the maximum and minimum trip cost coverage of Travel Lite insurance: Travel Lite insurance offers maximum trip cost coverage up to $25,000 and minmum trip cost is $200.
• What is Trip Delay / Quarantine coverage in Travel Lite insurance? Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• What is a provider network of Travel Lite Insurance? It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
• What is Trip cancellation and Trip interruption in Travel Lite visitor insurance? This plan offers trip cancellation up to 100% of trip cost per person and trip interruption up to 125% of insured trip cost per person.
• Refund rules of IMG Travel Lite insurance Full refund if cancelled within 10 days from the plan effective date, as long as your trip departure date has not occurred and you have not filed a claim.
• Eligibility to buy Travel Lite Insurance Online Coverage for US Residents on domestic and worldwide trips
• Underwriter and Rating of Travel Lite Insurance Travel Lite Insurance underwritten by United States Fire Insurance Company and rating “A” (Excellent) by A.M. Best.

Review and compare the best Travel Lite Insurance quotes.

IMG Trip Cancellation Insurance for Covid Illness

Img trip cancellation insurance for covid illness - faq's.

Will the IMG plans offer protection of loss of trip costs due to a positive COVID test prior to traveling (person may be asymptomatic) since the person is unable to travel? (The policy mentions "sickness" but this may not be a debilitating illness, but it does prevent travel)

01.  Does IMG’s Travel Insurance offer “Cancel for Any Reason” Coverage?

IMG does offer the option to upgrade to “cancel for any reason” (CFAR) coverage on some of its travel insurance plans. The “Cancel for any reason” add-on benefit gives the traveler the option to cancel for any reason, even if it is not listed in the plan’s base trip cancellation reasons. For example, one can cancel the trip because there was a work related crisis which would not be covered in the base trip cancellation coverage.Please review the plan to check the rules for CFAR coverage. IMG’s Travel LX travel insurance reimburses 75% of the non-refundable trip costs under the CFAR benefit. The traveler must buy the “cancel for any reason” add-on coverage within 21 days of making the initial trip deposit. To make a CFAR claim one must cancel the trip at least two days prior to the actual departure date.

02.  Does IMG’s Trip cancellation travel Insurance include Covid19 coverage?

IMG provides travel insurance includes coverage for Covid19 related trip cancellation and medical expenses. IMG’s Travel SE, Travel Lite and Travel LX Basic trip cancellation insurance plans all include Covid coverage. The IMG trip cancellation plans will cover you and reimburse all the financial loss incurred in prepaid expenses and non-refundable deposits.

03.  Does IMG’s Travel Insurance cover Pre-Existing Medical Conditions?

IMG’s travel insurance includes Pre-existing medical condition waivers as an add-on coverage. Travelers should review the policy details to be sure of this coverage specification. Including this pre-existing conditions waiver add-on will mean the pre-existing conditions is not excluded from your travel insurance coverage.

04.  Will the IMG plans offer protection should the person test positive during their trip at any time?

COVID-19 is treated the same as any other sickness for purposes of all coverage that are triggered by sickness or that can reimburse losses resulting from a sickness including death caused by sickness. Depending on the Plan Design, this can include but is not necessarily limited to the following (including the sub-benefits of many of these):

• Trip Cancellation,
• Trip Interruption,
• Accident and Sickness Medical Expense;
• Emergency Medical Evacuation / Medical Repatriation / Return of Remains

05.  Will trip delay include coverage for quarantine for COVID (or other illness)?

Regardless of the terms of the Plan, United States Fire Insurance Company has made the administrative decision to allow for coverage to be extended for the entire duration of a COVID-19 related quarantine, and coverage will be extended for five additional days following the end of the quarantine provided the travelers have not arrived back in their return destination city.

If the travelers incur additional hotel or meal expenses solely due to a quarantine, they will not receive any reimbursement under the Trip Interruption coverage either. Trip Interruption coverage may include a provision that provides reimbursement for additional hotel nights and meals (among other expenses) if the travelers cannot continue travel due to a sickness that does not cause them to need to be hospitalized. Please note that the travelers would actually need to be sick, as certified by a Legally Qualified Physician (as defined by your Plan), for this to apply if this provision is in their Plan.

However, when included in a Plan Design, the Travel Delay and Missed Connection coverages may be able to reimburse additional meal and hotel expenses incurred solely due to a quarantine (subject to the terms and conditions of the applicable coverage).

06.  When does the insurance coverage start on the IMG trip cancellation insurance plan?

The trip cancellation insurance coverage starts on the day following the purchase of the policy. The trip cancellation insurance plan will cover the traveler for factors such as trip cancellation even before the departure date of the trip.

07.  Do these IMG trip plans cover the traveler if infected by Covid?

If the traveler becomes ill with Covid while they are insured, it will be covered like any other sickness. Along with trip costs and any eligible medical expenses, related Quarantine expenses may also be covered if required by the concerned authority.

08.  Does IMG cover the Covid vaccination?

IMG plans do not cover COVID vaccination since all preventive care is not covered. However it will cover COVID-19 treatment as any other eligible sickness if the infection happens after the policy is effective.

09.  Who is eligible to buy the IMG Plans offered by International Medical Group (IMG)?

All US citizens and US residents are eligible to buy IMG trip cancellation plans. They can buy these trip cancellation plans for travel both within the US as well as outside the country.

10.  Can one cancel the IMG trip plan?

Yes, one can cancel the IMG plan if there is no claim on the policy and if the traveler :

• Requests for cancellation is made within the 10 day free look period after buying the insurance
• Requests for cancellation before the start of the trip

11.  What does the trip cost include?

The trip costs will include all non-refundable expenses such as the airline ticket costs, cruise expenses, hotel booking costs .... In the event of an unplanned cancellation of the trip, these expenses which would otherwise be lost will be covered by the IMG trip cancellation plans.

12.  Can I renew or extend my IMG trip plan?

No, the IMG plans are not renewable.

13.  Do IMG plans cover pre-existing conditions?

The pre-existing conditions coverage varies depending on the IMG plan.

• The IMG Lite plan does not cover Pre-existing conditions
• The IMG SE plan covers pre-existing conditions if the insurance is bought within 20 days of the initial trip deposit
• The IMG LX plan covers pre-existing conditions if the insurance is bought within 24 hours of trip payment.

14.  Do IMG plans cover cancel for any reason (CFAR)?

Only the IMG LX plan offer Cancel for any reason (CFAR). The IMG Lite and IMG SE plans provide trip cancellation only for covered reasons.

15.  What are the differences between Trip Cancellation and Trip Interruption benefits?

Trip cancellation coverage is available if the entire trip is cancelled even before the start of the trip (this is even before the trip start date). Trip interruption coverage is applicable only after the start of the trip. Trip interruption comes is applicable if the trip is cancelled for a valid covered reason (unless you have the Travel LX plan which covers CFAR), after the start of the trip and here the insured traveler has to return to his/her home country.

16.  What are the coverage differences between the different IMG plan options - Lite, SE, and LX?

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

17.  If a traveler contracts COVID after starting the trip and must quarantine, would he/she qualify for both quarantine and interruption benefits?

There isn’t a specific “quarantine” benefit, but benefits could apply under both IMG travel Insurance’s Trip Interruption and Travel Delay benefits. Trip interruption would generally reimburse for the prepaid, unused, nonrefundable elements of the trip that are lost. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well.

18.  Do your trip cancellation insurance plans cover the cost of additional accommodation for an individually-ordered quarantine?

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG travel Insurance’s Travel Delay benefit. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well. Benefits would apply to an insured traveler OR a travel companion.

19.  If a traveler needs to further quarantine after completing the required isolation for COVID-19? Will the travel insurance cover it?

If the traveler is required to quarantine as per the terms of coverage, benefits would be extended for up to 5 days after the period of quarantine ends (per the guidelines provided by our underwriter).

20.  If a traveler needs to quarantine while waiting for a COVID-19 screening test result, will the travel insurance cover it?

The policy defines quarantine as follows: Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

21.  My credit card has travel benefits on it already, so why should I buy a trip cancellation insurance plan?

There are some very advantageous credit cards out there to help travelers, particularly with money exchange fees when making purchases abroad. However, you should look over your benefits carefully. Certainly travel items charged to the card may be covered and refundable, but what if you get sick at your destination? What if your luggage is lost? What if you need to quarantine or get delayed in one leg of your trip? The best trip cancellation insurance can put your mind at ease. These best travel insurance are specifically designed to help in all aspects of travel from interruptions that may come up (an emergency back home), unintended trip delays (testing positive for COVID, missing a flight or having a flight cancelled), helping you get your minor children home if you can't, and medical expenses should you become sick or hospitalized. There are plans to help you get your pet home safely and insure your expensive golf clubs or sports equipment get with you to your destination! You have invested so much into your trip planning, you may as well have full peace of mind that your investment is protected and you are taken care of by experts who have dealt with the most unlikely of scenarios!

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Related links for IMG Travel Lite travel insurance

Travel lite insurance faq.

Frequently asked questions and answer about travel insurance plans.

IMG Vacation Insurance Blog

Read the article on trip protection cover offered by IMG Trip Cncellation insurance plan

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Travel Lite vs SE vs LX

Compare and review the plans benefits of the IMG Trip Cncellation insurance plans.

IMG Travel Insurance Links

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What is Travel Insurance?

Travel insurance is your last line of defense if something goes wrong on a trip—it pays for unexpected expenses like lost bags, cancelled flights, and medical emergencies. But not all policies are created equal.

So you’re planning a trip and someone asked you if you have travel insurance. Wait, what? Yes, at this point, it’s perfectly reasonable to ask yourself (and the internet): what is travel insurance?

For years, I didn’t know anything about travel insurance, and I went without it. Knowing what I do now, I’ve come to believe that if you can’t afford a travel insurance policy, you can’t afford to travel.

Essentially, travel insurance covers expenses from unforeseen events like a canceled trip, lost bag, or medical treatment.

It’s important to understand how it works so you can pick the right plan. Ready? Let’s dive right into the details of travel insurance.

How Does Travel Insurance Work?

If you’re just here for a quick and dirty answer, let’s get right down to it.

When you travel, you take on risk, whether you know it or not. You put down a lot of money on flights, hotels, rental cars, and more. But what if your trip gets canceled? Oops, looks like you’re out a lot of cash.

Plus, did you know that regular health insurance plans usually don’t provide any coverage outside your home country?

Travel insurance protects you from unexpected events like these. You pay a relatively small up-front fee to a company in exchange for a guarantee that they will pay for expenses that are covered by a specific policy.

Travel insurance policies typically include two different categories of protection: trip coverage and emergency medical coverage.

• Trip insurance includes protection for the expenses of your trip. If your trip is canceled or interrupted (for a covered reason), the company will reimburse you for the cost. Trip coverage can also include reimbursements for lost baggage, delayed flights, rental car damage, and more.
• Emergency medical insurance is exactly what it sounds like. If you are injured or become ill overseas, your regular health insurance may not pay for your care. Travel medical coverage includes overseas care or emergency medical evacuation if needed.

There you have it. That’s the basics of how travel insurance works, and no, it isn’t that complicated. If you want to get into more details, let’s keep going.

Different Types of Travel Insurance

Did you know that there’s more than one type of travel insurance?

Yep, it can be broken up into several categories, from single trip insurance to long-term healthcare designed for digital nomads. The type of insurance you need will depend entirely on your trip, your destination, how often you travel, and your personal preferences.

Single-trip comprehensive coverage is most often the best choice, but not always. Here are the most important types of travel insurance so you can pick the right coverage type for you.

• Comprehensive Travel Insurance covers every aspect of your travel, from luggage to trip cancellations to emergency medical bills. For most people most of the time, this is what I recommend. I’ll dive deeper into every aspect of comprehensive travel insurance soon.
• Travel Medical Insurance only covers medical expenses, so you don’t get any of the trip expense coverage. Travel medical plans range from emergency coverage to full-fledged health care for living abroad.
• Single Trip Travel Insurance Insurance is exactly what it sounds like: insurance for a single trip. You enter your destination and travel dates to get covered during your trip.
• Annual Travel Insurance is, again, pretty straightforward. Rather than covering a single trip, annual plans include all your travels for an entire year. Note that there are often limits on how many days abroad in the year are covered.
• Nomad Travel Insurance (like the Nomad Insurance Plan from SafetyWing) is designed for people living long-term outside their home country. It typically renews monthly.

What Does Travel Insurance Cover?

Any travel insurance policy has a lot of pieces to it, and sometimes the legalese terminology can be difficult to understand. The most important thing to understand is what is covered, and what isn’t. After all, you want to know what you’re paying for, right?

There are many varieties of travel insurance; essentially, they all just mix and match different coverages. Here are the most common things that a plan covers, and how that coverage works.

Trip Cancellation Coverage

If you have a lot of prepaid nonrefundable trip costs, the idea of having to cancel your trip can be scary. You’ve put hundreds or thousands of dollars into your upcoming trip, and you would lose all that money if your travel plans change.

Life happens though, and there’s always a chance that you get sick, a natural disaster happens, your house floods, you get called in for jury duty, or something else bad happens that causes you to cancel your trip.

That’s where trip cancellation coverage comes in. If you have a travel insurance plan, you can file a claim, and the company will refund the total trip cost.

Yep, that’s pretty cool.

It’s important to know that you can’t just cancel for any reason you want and expect to have your trip’s price refunded. Most insurance policies only pay out reimbursements for a “covered reason.” Covered reasons include things like serious illness to yourself or a family member, losing your job, a natural disaster or terrorist attack in your destination, or other unpredictable events.

Reasons that aren’t covered typically include things that could be predicted ahead of time, like ongoing civil and political unrest, severe weather due to a predicted tropical storm, or “because I want to.”

Also, cruises are not always covered under typical trip cancellation insurance, so make sure your plan covers cruise lines if that’s what you need.

Cancel For Any Reason

If you want the greatest peace of mind, you’ll want to look for Cancel For Any Reason (CFAR) coverage. CFAR is exactly what it sounds like, you can cancel your trip for any reason, and the insurance company will pay you for any non-refundable expenses from hotel stays, flights, and more.

Just know that CFAR insurance costs more.

Trip Interruption Coverage

Trip interruption is similar to trip cancellation insurance, but it covers travel expenses in case you have to cut your trip short after you’ve already departed (while trip cancelation is for before you leave).

Trip interruption coverage typically has similar rules and limits, so you can just think of it as an extension of trip cancellation.

Good trip interruption coverage also includes coverage for travel costs to return home. That’s a great benefit so you don’t have to pay your own way home if anything goes wrong.

Trip Delay Coverage

Beyond trip cancellation and interruption, comprehensive travel insurance policies also typically have coverage for trip delays. That means they’ll help pay for inconveniences and extra expenses caused by flight delays, cancellations, missed connections, and other delays.

Usually, this is a per-day amount while your trip is delayed to pay for unexpected hotel stays or transport costs to rejoin your trip itinerary.

Medical Emergency Coverage

No one wants to think about having a medical emergency overseas, but it’s always a good idea to be prepared.

In my opinion, emergency medical protection is the most important travel insurance coverage. If you have to pay for a canceled trip, that’s a bummer, but you’ll get over it. If you become seriously ill or get injured on your trip, having insurance to pay for emergency hospital costs can be life-saving. At the very least, it can save you tens of thousands of dollars in medical expenses.

Travel medical coverage will cover costs up to a specific dollar amount stated in the policy. I recommend getting at least $50,000 of coverage, though $100,000 or more is better.

And yes, pretty much every travel insurance policy covers COVID-19 just like any other illness.

Most plans also include accidental death or dismemberment protection. Essentially, this is a sort of life insurance policy that pays out a certain amount if you die or have a disabling injury on your trip. I don’t want to think too much about “accidental death or dismemberment” either, but it’s good to know it’s there.

Pre-Existing Conditions

Many travel insurance plans have strict limits regarding previously existing medical conditions. If you have a condition like diabetes, heart disease, or some other chronic illness, it may not cover related healthcare costs.

If you have a chronic condition, I recommend looking for a plan with a pre-existing condition waiver (like the Travelex Select Plan) to make sure you have full coverage.

Secondary vs Primary Coverage

If you’re looking to purchase travel insurance, you may have come across the terms secondary and primary coverage. Those terms sound confusing, but the difference is pretty simple.

• Primary coverage pays for medical bills before anything else.
• Secondary coverage only kicks in after your normal health insurance pays whatever they will cover.

Emergency Evacuation

For severe injuries or illnesses, travel insurance plans typically cover emergency medical evacuation. That can include transport costs to the nearest medical facility or evacuation to your home country for care.

Again, I’d look for the highest coverage limits possible here. Air ambulances can cost into the hundreds of thousands of dollars, and you don’t want to be stuck with that bill.

Baggage Loss or Delay

I have recurring nightmares of losing my checked bag on a long international flight. It hasn’t happened to me yet, but I usually fly carry-on only anyway. Few things sound worse than getting stuck in a foreign country without my personal belongings.

Baggage loss coverage reimburses the cost of lost luggage—up to a specific dollar amount. You will just need to file a claim accounting for the value of the lost personal items.

Many policies will also include coverage for a baggage delay or damage to personal property.

Other Travel Insurance Benefits and Options

Beyond medical protection, trip cancellation insurance, and lost baggage coverage, most travel insurance coverage includes a range of other benefits that either come standard with your plan or that you can add on for an extra cost. Here are some of the most common benefits you may want to look for:

• Rental car insurance in case you scratch up that BMW you rented
• Adventure sports coverage so your medical expenses are still paid for even if you’re participating in “risky” activities like skydiving, skiing, or rock climbing.
• Vacation rental protection , because accidents happen
• Electronic equipment coverage for all you gear-laden photographers
• Cruise and tour operator cancellation coverage , because you don’t want to be stuck with that bill if your trip is canceled.

How Much Is Travel Insurance?

In general, plans from good travel insurance providers will cost about 5-6% of your total trip cost. It can seem annoying to pay for something you might not need to use, but it’s way better than losing tens of thousands of dollars if anything goes wrong. Standard plans range from well under $100 to a few hundred dollars depending on your trip.

Of course, the price will depend on the specific insurance provider and plan you choose. I recommend shopping around to find the best travel insurance for your money.

If you really can’t stomach paying for a full insurance policy (and aren’t worried about losing non-refundable expenses), at the very least you should buy a travel medical plan. Heymondo has a great medical plan that’s so cheap, it would be stupid not to get it. This insurance can help give you peace of mind on your travels.

One thing to note: some credit cards come with some form of travel insurance. It’s worth checking with your credit card company to see if any coverage comes with your credit card.

Is Travel Insurance Worth It?

I’ll make this answer short: yes, travel insurance is worth it.

For the peace of mind and financial protection you get, the cost of travel insurance is a low price to pay, especially when you consider what you could lose if something bad happens. I don’t like the idea of losing thousands in non-refundable costs or tens of thousands in medical bills.

Still not convinced? We’ve got a full article explaining why travel insurance is worth it . It’s worth a read if you’re still on the fence.

How Do You Buy Travel Insurance?

Fortunately purchasing travel insurance is easy—no need to deal with pushy travel agents. You just go to a travel provider’s website, enter your destination, travel dates, and age, and they will instantly give you a quote for different plans for your trip. It’s also worth checking with your credit card provider because some credit cards include trip insurance!

I highly recommend shopping around a bit to find the best travel insurance plan and price for you. SquareMouth is a fantastic website that gives you quotes from dozens of different providers so you can compare different plans all in one place. They don’t search every single company out there though, so it’s worth checking a few other places.

Our list of the best travel insurance companies is a great place to start. We’ve listed out what each company is best at to help you find the option that fits you best.

Travel Insurance FAQs

What is travel insurance and how does it work.

Travel insurance protects you from unexpected events while traveling like illness or a canceled flight.

What does travel insurance cover?

Travel insurance covers canceled trips, emergency medical costs, lost baggage, and more.

Why would I get travel insurance?

Travel insurance isn’t expensive and protects you from heavy costs if anything goes wrong.

What is not covered in travel insurance?

Travel insurance typically doesn’t cover cancellation due to foreseeable events.

Does travel insurance actually pay out?

Good travel insurance companies like Heymondo and Allianz have a reputation for paying out claims.

Jeremy Scott Foster

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11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

IMG Plans and Reviews

Quote and compare policies.

• Customer Reviews
• Contact Information

Why Choose IMG for Travel Insurance

Notable Features

• Offers among the most generous Travel Delay coverage on Squaremouth
• All plans hold at least an AM Best’s Rating of Excellent or higher
• 4.5/5 Star pre-trip customer service rating from verified customers

IMG is a reputable travel insurance provider that has been trusted by travelers around the world for more than 30 years. They offer five comprehensive policies on Squaremouth, each providing financial protection from delays, cancellations, medical emergencies, and other common travel disruptions at varying coverage limits.

In particular, IMG has made a name for itself because of its strong cancellation coverage. All policies cover 100% of trip costs for covered cancellations, and at least 125% of unused trip costs for policyholders who have to end their trip early. Certain policies offered by IMG provide up to $5,000 worth of coverage per person for delays, which is among the highest offered by any provider on Squaremouth.

IMG offers plans that appeal to a wide range of travelers, especially those who wish to protect their trip costs. Their plans that offer medical benefits are also competitive with the top travel medical policies found on Squaremouth and elsewhere, with select plans providing up to $500,000 in primary Emergency Medical coverage.

This provider summary was written internally by a Squaremouth policy expert.

At IMG , we know that the reasons to travel both domestically and internationally are many and varied — that’s why our products are too. Our full-service approach to providing travel protection and travel medical insurance products includes servicing vacationers, those visiting internationally for short or extended periods, people traveling frequently for work or holiday, and those who maintain multiple countries of residence. To meet our members’ needs, we have developed world class products featuring major medical, evacuation, dental and travel protection coverage. Since 1990, we’ve supported millions of people in almost every country with customer service that’s second to none. Our dedicated team of international, multilingual specialists and highly trained customer service professionals back the benefits our members need with the services they want. One call. One company. Your single resource. IMG offers a full line of international medical insurance, and trip cancellation plans, as well as 24/7 emergency medical and travel assistance to meet the needs of anyone traveling or residing away from home.

• 5 stars 1241
• 4 stars 388
• 3 stars 194
• 1 star   128

64,370 policies sold

0.3% negative reviews

0.3% (211) negative reviews to sales Average on Squaremouth is 0.2%

IMG’s plans boast a generous $2,000 in Travel Delay that can cover expenses related to flight delays or a mandatory quarantine. Forbes also notes IMG’s iTravelInsured SE is great for pet owners with up to $300 reimbursement for kennel fees if a traveler is delayed returning home. 

“Plans for iTravelInsured offer a variety of travel insurance benefits such as trip cancellation, lost baggage, and travel delay coverage, to name just a few. Plans are available for vacationers, adventure travelers, and people on a budget.”

Policies Offered by IMG

Itravelinsured travel lite.

Policy Description:

The iTravelInsured Travel Lite plan is IMG’s basic travel insurance product, designed for domestic or international vacations. It includes comprehensive coverages at a competitive rate. It has our in-house Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $100,000 coverage for Accident & Sickness Medical Expenses, as well as protection for lost, damaged, or delayed baggage. iTravelInsured Travel Lite Plan Highlights: – Valid for US Residents – Up to $100,000 in Emergency Medical Coverage – $500,000 of Emergency Evacuation Coverage

Underwritten By: United States Fire Insurance Company

Underwritten Location: 305 Madison Avenue Morristown, New Jersey 07960

AM Best #: 002136

AM Best Rating: A (Excellent)

Policy Detail

iTravelInsured Travel SE

The iTravelInsured Travel SE plan includes all the benefits as the Travel Lite plan with increased benefit levels for Accident & Sickness Medical Expense, Baggage, and additional coverage for Rental Car, Change Fee, and Missed Trip Connections. This plan includes a Pre-Existing Medical Exclusion Waiver when purchased within 20 days of making your initial trip deposit. Travel SE Plan Highlights: -Primary Coverage -Valid for US Residents -Up to $250,000 in Emergency Medical Coverage -$500,000 of Emergency Evacuation Coverage -For trip cost up to $100,000 per person -Cancellation or Interruption benefits if your Pet or Service Animal is sick, injured, or dies. -Cancellation or Interruption benefits for travel bans, travel alerts, or travel warning level 4 or higher

Patriot America Plus

Patriot America Plus provides coverage for non-US citizens traveling outside their home country. The plan offers a complete package of international benefits available 24 hours a day to individuals and families. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of 5 days up to a maximum of two years, in accordance with the terms of the insurance contract.

Underwritten By: SiriusPoint Specialty Insurance Corporation

Underwritten Location: 140 Broadway, 32nd Floor, New York, New York 10005

AM Best #: 020919

AM Best Rating: A- (Excellent)

iTravelInsured Travel LX Basic

The iTravelInsured Travel LX plan includes all the benefits as the Travel SE plan with increased benefit levels for Accident & Sickness Medical Expense, Medical Evacuation, Baggage, and additional coverage for Search and Rescue, Political or Security Evacuation and Natural Disaster Evacuation. This plan includes a Pre-Existing Medical Exclusion Waiver when purchased within 24 hours of making your final trip payment.

Travel LX Plan Highlights: -Valid for US Residents -Primary Coverage -Up to $500,000 in Emergency Medical Coverage -$1,000,000 of Emergency Evacuation Coverage -For trip cost up to $100,000 per person -Cancellation or Interruption benefits: -If your pet or Service Animal is sick, injured, or dies. -For travel bans, travel alerts, or travel warning level 4 or higher -Sickness, injury, death, or hospitalization of your guide/outfitter -Pregnancy or adoption – Optional Cancel and Interruption for Any Reason

iTravelInsured Travel Essential

The iTravelInsured Essential plan is designed for U.S. residents traveling within the United States looking to protect their trip investments with our lowest-priced travel program. This plan provides limited, cost-effective coverage for trip cancellation, trip interruption and travel delay. With iTravelInsured Essential, you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason.

-Valid for US Residents. -Travel Delay benefits $250 per day up to $2,000. -Cancellation and Interruption benefits due to the U.S. State Department issuing a Level four (4) Travel Advisory for the Trip destination.

Underwritten By: SiriusPoint America Insurance Company

Underwritten Location: 1 World Trade Center 285 Fulton Street, 47 th Floor, Suite. 47J, New York, New York 10007

AM Best #: 002642

Patriot America Platinum

Provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product.

You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. IMG has developed two Patriot Platinum Travel Medical Insurance plans to provide you and your family superior protection and offer a complete package of international benefits available 24 hours a day. Patriot International Platinum provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America Platinum provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance.

Patriot America Lite

Provides coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of your home country.

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Travel with one of IMG’s two Patriot Lite travel medical insurance plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.

Patriot International Lite

Patriot international platinum, verified customer reviews.

• 2,080 Reviews Since 2005

Claim was for a damaged rental car windshield. No problems, no issues. Claim was completed and payment made within 2 weeks. Pleasantly surprised and would recommend.

We unfortunately had to cancel our trip due to emergency surgery which occurred about 4 weeks prior to the start of the trip. I filed a claim online, but found that the information asked for online wasn't complete, so after about a week, I was notified that i needed to sent in yet more information. IMG was quick to tell me that I needed to send more information, but never let me know when the information asked for was complete. I had to call to find that out. I did receive reimbursement for the trip fairly quickly.

My only direct contact with IMG was to raise the insured amount after purchasing air tickets. That was easy.

All reviews are from IMG customers

Contact Information for IMG

For Use With These Policies: iTravelInsured Travel Essential, iTravelInsured Travel LX Basic, iTravelInsured Travel SE, iTravelInsured Travel Lite

Monday - Friday 7am-6pm EST

Everyday, 24 hours per day

For Use With These Policies: Patriot America Platinum, Patriot America Plus, Patriot International Lite, Patriot International Platinum, Patriot America Lite

Everyday, 24 hours a day

Going Abroad to study? Get student travel cover from India

Student travel insurance covers unexpected incidents during such travel to nearby countries as well visits to the home country, which may not be included in college-offered policies..

By Meet Kapadia Indian students often harbour aspirations to study abroad. The dream is often accompanied by education loans. Apart from which, significant costs like housing, utilities, food, visa fare, books and supplies and travel add up to the financial strain.

Under these circumstances, an unexpected medical emergency would be the last thing anyone would want. Most colleges abroad suggest students to buy medical insurance to cover such risks. Students typically go with insurance policies that their colleges provide or endorse. Though these policies are usually comprehensive, they might not be perfectly suited for international students, especially those from India .

Protection with student travel insurance

Buying student travel insurance from India is ideal. Students studying abroad often use their vacations to explore nearby countries and experience new locations. They also return to their home country to visit family and participate in weddings, festivals or other family events. They might also travel to other countries for research or course-related work.

Student travel insurance covers unexpected incidents during such travel to nearby countries as well visits to the home country, which may not be included in college-offered policies. Policies suggested by colleges cover uncertainties in the campus or the destination country. If they have a health emergency while traveling, they won’t be covered under the college-offered policy.

Travel related benefits

Student travel policies from India not only cover medical costs but also cover other travel related benefits. These benefits cover a range of issues including the loss of important documents or baggage, flight delays, rescheduling and trip cancellations. They also provide additional coverage such as tuition fee refunds and coverage for lost laptops, ensuring your education is not interrupted. Additionally, a comprehensive student insurance policy purchased from your home country also handles non-medical costs like legal fees, bail bond expenses, tuition refunds, and third-party liabilities.

Several of these plans cover compassionate visits, enabling a family member to come to your residence country if you face a critical illness. Most plans designed for students offer sponsor protection as well, safeguarding their education if their sponsor faces any issues. Student travel policies are also pocket friendly as compared to university offered policies. One can purchase a comprehensive plan by paying just 1% of their total tuition cost.

Hence, a student travel insurance is necessary to be free of any financial and emotional stress that unexpected events can cause. By investing in a comprehensive insurance plan before embarking on your journey, you are protected from unforeseen circumstances that could otherwise disrupt your studies. This small but crucial step in your preparation can safeguard your education, finances, and well-being, allowing you to focus on making the most of your international academic adventure.

The writer is head, Travel Insurance, Policybazaar.com

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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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What type of coverage do you need?

• Vacation / Holiday
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• Student / Scholar
• Employer / Business Traveler
• Expat / Global Citizen
• Mission / Social Good
• Marine Captain / Crew
• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Traveler Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
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Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, patriot lite travel medical insurance, temporary health insurance for individuals, families, and groups.

Patriot Travel Series / Patriot Lite

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P rovides coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of your home country.

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Travel with one of IMG’s two Patriot Lite travel medical insurance plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.

Coverage may differ depending on your destination. View All Plan Details .

• Coverages for inside and outside the U.S. ( Patriot America Lite / Patriot International Lite)
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Available in daily and monthly rates
• Freedom to seek treatment with hospital or doctor of your choice

Designed for...

Ideal for Traveling Outside of Your Home Country

• Coverage Inside the U.S.
• Coverage Outside the U.S.

* Up to policy maximum if contracted and treatment is provided after the policy effective date

All Patriot Series Plans Include...

Inpatient & outpatient services.

• Physician Visits
• Urgent Care Clinic
• Emergency Room
• Intensive Care

Emergency Services

• Local Ambulance
• Natural Disaster Evac
• Return of Mortal Remains
• Return of Minor Children

Other Services

• Accidental Death & Dismemberment
• Dental Treatment
• Emergency Eye Exam
• Lost Luggage
• Identity Theft
• Prescription Medication

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• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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Best Things To Do in Arkhangelsk, Russia

Have you ever visited a new place and felt ‘wow’ about it? For many visitors, it happens at Arkhangelsk.

Arkhangelsk may not be as popular as other cities in Russia, but don’t let that fool you. Arkhangelsk is a smaller but beautiful upcoming tourist destination that is worth a visit. You will be surprised by some of the unique things to do and places you can explore at this hidden destination.

You might wish to revisit it someday again, to take a break and relax at Arkhangelsk.

If you have plans to visit Russia and are not sure if Arkhangelsk should be included in your itinerary, keep reading. In this list, we have put together some of the things to do in Arkhangelsk and around. We have a hunch that if you include this city in your travel plans, you will be thrilled you did so.

Tourist Attractions in Arkhangelsk

Here is the list of things to do in Arkhangelsk and tourist attractions in city.

Talagi Airport

Address: Talagi Airport ul. Aeroporta, 1 Arkhangelsk, 163045 Russia

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