Best Travel Insurance in 2024 in the USA

Imagine booking your dream trip to Paris, only to cancel at the last minute due to the flu—without travel insurance, you could lose all the money you spent on flights and hotels. However, with travel insurance, you’d be reimbursed for those non-refundable costs.

Travel insurance protects you from unexpected setbacks, whether it’s trip cancellations, interruptions, baggage delays, or emergency medical situations. With the right coverage, you’ll be prepared to handle any situation that comes your way. But how exactly does travel insurance work? We’ll explain everything you need to know in this guide.

What is travel insurance? What does it cover? How much does it cost? And which are the best travel insurance companies? We’ll answer all these questions and more, helping you find the perfect travel insurance policy that suits your needs.

What is the best travel insurance?

Heymondo Travel Insurance

Heymondo offers three distinct travel insurance plans tailored to meet the varying needs of U.S. travelers: Heymondo Medical, Heymondo Top, and Heymondo Premium. If your main concern is ensuring you're covered for medical emergencies while traveling, the Heymondo Medical plan is a great option. It provides up to $100,000 in medical expense coverage and $250,000 for emergency medical evacuation. It is a budget-friendly choice for those primarily concerned with health-related issues.

For travelers seeking more well-rounded coverage, Heymondo Top offers an excellent balance. Apart from travel medical insurance, it also adds valuable trip-related protections like $2,500 for trip cancellation and interruption, $1,500 for baggage protection, and coverage for specialty items and adventure sports. It's ideal for those who want both medical and trip-related security without breaking the bank.

For the most comprehensive protection, Heymondo Premium is your top choice. It offers up to $200,000 in medical and dental coverage and $500,000 for emergency medical evacuation, trip cancellation of $10,000, trip delay of $3,000, and baggage protection of up to $3,000. It also offers enhanced coverage for specialty items.

Whether you’re planning a single trip or traveling frequently, Heymondo has both single-trip and annual multi-trip options, with the latter covering all your trips throughout the year, as long as each trip doesn’t exceed 36 days. All plans include 24/7 worldwide assistance and the Heymondo app for easy claims and support.

If you think Heymondo is the right choice for you, use our partner link and get free quotes online.

Allianz Travel Insurance

Allianz Travel Insurance offers affordable plans starting at $27, designed to meet a variety of needs. Whether you're planning a single trip or multiple trips throughout the year, you can choose from three tiers—Basic, Prime, and Premier. These plans offer robust protection, including up to $200,000 for trip cancellations, $300,000 for trip interruptions, $75,000 for emergency medical expenses, and $1,000,000 for medical transportation, apart from sufficient baggage delay/loss and trip delay coverage.

If you're traveling with kids, children 17 and under are covered for free when traveling with a parent or grandparent (except in Pennsylvania). You also have options like rental car protection and a dedicated Emergency Medical plan for those needing travel medical insurance. Every plan includes pandemic coverage, 24/7 travel insurance, and international assistance. Allianz is a great choice if you’re looking for comprehensive coverage, especially for families and frequent travelers.

AIG Travel Insurance

AIG Travel Insurance (Travel Guard Insurance) offers customizable plans to suit various needs, including the Deluxe, Preferred, Essential, Pack N' Go, and Annual plans. All plans provide up to 100% trip cancellation coverage, while the Preferred and Deluxe plans offer up to 150% for trip interruption. The Deluxe Plan also includes up to $100,000 in travel medical expenses and $1,000,000 for medical evacuation, making it ideal for international travel.

The Preferred Plan is great for families and travel insurance for cruises, while the Essential Plan offers budget-friendly coverage for domestic trips. For spontaneous travelers, the Pack N' Go Plan provides immediate coverage, and the Annual Plan is perfect for frequent travelers. Specialized options like Medevac Per Trip and Rental Vehicle Damage Coverage are also available.

No matter which AIG travel guard insurance plan you choose, you’ll have 24/7 emergency assistance making it a great choice also for travel insurance international needs. Just remember, if you need coverage for pre-existing conditions, you'll need to purchase your plan within 15 days of your initial trip payment.

AAA travel insurance

AAA Travel Insurance offers a range of plans, including TripProtect Select II, Cancel Anytime, and Deluxe II, which cater to different needs. Coverage options typically include trip cancellation up to 100% of your trip cost, trip interruption up to 150%, emergency medical coverage up to $75,000, and medical evacuation up to $500,000.

Baggage coverage can go up to $2,000 depending on the plan. With international travel insurance through AAA, you also get additional coverage for rental car damage and includes benefits like lost or stolen travel documents protection. Children 17 and under are covered for free when traveling with a parent or grandparent, which is a plus for families.

But how much does AAA travel insurance cost? A policy for a one-week trip to Italy might cost around $152 under the TripProtect Select II plan, while a two-week $4,000 trip to Japan for a 30-year-old could cost about $186. You must get individual quotes based on your profile.

GeoBlue Travel Insurance

GeoBlue offers a wide range of international medical insurance plans tailored to different types of travelers, from short-term leisure trips to long-term expatriate assignments. Their plans include the Voyager for single trips, Trekker for multiple trips, and Xplorer for long-term or expatriate coverage. GeoBlue provides up to $1,000,000 in medical coverage with 100% coverage after deductibles, which can be as low as $0 on some plans.

Their plans include medical evacuation, accidental death & dismemberment (AD&D), and access to a global network of vetted doctors and hospitals. GeoBlue also offers 24/7 medical assistance, unlimited telemedicine, and a mobile app for easy access to services worldwide. GeoBlue is an excellent choice for those needing robust travel medical insurance coverage abroad, particularly for longer trips or expatriates.

World Nomads Travel Insurance

World Nomads Travel Insurance is designed for independent travelers and adventure seekers, offering flexible coverage that can be purchased even while you're on the road. It includes two main plans: the Explorer Plan and the Standard Plan. Coverage options are robust, with trip cancellation protection up to $10,000 (Explorer) or $2,500 (Standard), emergency medical coverage up to $100,000, and emergency evacuation coverage up to $500,000 (Explorer) or $300,000 (Standard).

The international travel insurance also covers over 200 adventure activities, making it ideal for adventurous travelers. Additional benefits include coverage for lost or stolen gear and 24/7 emergency assistance. However, it doesn't offer "Cancel For Any Reason" upgrades or pre-existing medical condition waivers, which might limit its appeal for some travelers.

World Nomads is best for travelers who prioritize flexibility, adventure activity coverage, and emergency medical support, particularly those engaging in high-risk activities abroad.

American Express Travel Insurance

American Express offers a range of travel insurance options for U.S. residents, including four main package plans: Basic, Silver, Gold, and Platinum. Coverage varies by plan, with the Platinum Plan providing the most comprehensive protection. Key coverages include trip cancellation (up to 100% of trip cost), trip interruption (up to 150% of trip cost), and emergency medical coverage (up to $100,000). Additionally, the Platinum Plan includes medical evacuation up to $1 million and baggage protection up to $2,500.

Lower-tier plans, such as the Basic Plan, offer more limited benefits, such as $10,000 in emergency medical coverage and lower baggage protection limits. American Express also allows travelers to build custom international travel insurance plans, selecting only the coverages they need, such as rental car insurance or additional accident protection, making their plans flexible and adaptable to various travel needs​

American Express travel insurance is ideal for travelers who want flexible, customizable coverage options, whether for a short trip or a high-stakes adventure. It is available for purchase both as a standalone policy and also for holders of Amex credit cards although benefits vary based on the card.

USAA Travel Insurance

USAA offers comprehensive travel coverage through a partnership with Travel Insured International, catering primarily to U.S. military members and their families. The plans include Worldwide Trip Protector, Worldwide Trip Protector Lite, and Travel Medical Protector, each offering various levels of coverage. The Worldwide Trip Protector plan provides robust benefits, including 100% trip cancellation, 150% trip interruption, $1,500 trip delay, and $1 million for medical evacuation.

The Travel Medical Protector plan focuses on medical coverage, with $50,000 in medical expenses and $1 million for evacuation. USAA also offers optional add-ons like Cancel For Any Reason (CFAR), rental car coverage, and electronic equipment protection. Pricing varies by plan, with more affordable options available for medical-focused coverage. USAA is best for military members who need flexible, customizable coverage with a strong focus on emergency medical and evacuation benefits.

Seven Corners Travel Insurance

Seven Corners Travel Insurance offers customizable plans for both single trips and frequent travelers. The Single Trip options include Trip Protection Basic and Trip Protection Choice.

The Basic plan covers 100% trip cancellation, $100,000 in emergency accident and sickness (secondary coverage), and $250,000 for medical evacuation, with optional add-ons like Cancel for Any Reason (CFAR). The Choice plan provides enhanced coverage, including 150% trip interruption, $500,000 in primary medical coverage, and $1,000,000 for medical evacuation.

The Annual Multi-Trip plan is ideal for frequent travelers. It offers up to 150% trip interruption coverage, $250,000 in medical expenses, and $500,000 for medical evacuation. Seven Corners also offers 24/7 multilingual assistance, making it a good choice for international trips.

For those who don’t need pre-departure trip cancellation and interruption coverage, Seven Corners provides Travel Medical Basic, Choice, and Plus plans. These plans focus on medical travel insurance, with the Plus plan offering the highest limits, including coverage for COVID-19 treatment up to the medical maximum.

Additionally, Seven Corners offers travel health insurance plans to international students, non-U.S. citizens visiting the U.S., and groups of 10 or more travelers.

Generali Travel Insurance

Generali Travel Insurance offers three main plans: Premium, Preferred, and Standard, catering to various travel needs, from basic domestic trips to more expensive international vacations. The Premium plan provides the highest coverage, including 100% trip cancellation, 175% trip interruption, $250,000 in medical and dental coverage, and $1,000,000 for emergency assistance and transportation. It’s ideal for travelers on luxury trips or travel insurance for cruises.

The Preferred plan is great for outdoor and international trips, offering specialized coverage for sporting equipment. The Standard plan provides essential coverage for U.S. travel, with $50,000 in medical and dental coverage. Generali’s plans also include 24/7 assistance services and optional add-ons like rental car damage and trip cancellation for any reason (CFAR).

Generali travel health insurance is best for travelers seeking robust coverage, particularly for high-value trips or those involving adventure activities. However, Generali does not offer annual travel insurance. So, it may not suit the needs of frequent travelers.

Faye Travel Insurance

Faye Travel Insurance offers a comprehensive, all-digital travel plan designed for U.S. residents, with pricing starting at around $4.64/day for domestic trips and $5.16/day for international trips. The plan includes coverage for trip cancellations (up to 100% of non-refundable costs), trip interruptions (up to 150%), and emergency medical expenses (up to $250,000 for international trips).

Emergency evacuation is covered up to $500,000, and the plan also provides coverage for lost or damaged baggage, trip delays, and missed connections. Faye is particularly suited for tech-savvy travelers who prefer a fully digital experience, including filing claims via an intuitive app. The plan includes add-ons for adventure sports, rental car coverage, and even pet care. It’s ideal for independent travelers who want a straightforward, comprehensive option with extensive medical travel insurance, real-time assistance, and flexible coverage.

Other noted travel insurance USA companies

Here are a few other travel insurance companies that offer robust coverage and diverse plans to suit various travel needs.

• Nationwide Travel Insurance: Provides plans like Essential, Prime, and Luxury, offering up to 100% trip cancellation coverage, 150% trip interruption, and $150,000 in emergency medical expenses. It also includes $1,000,000 in emergency medical evacuation coverage, along with add-ons like CFAR and coverage for pre-existing conditions if purchased within the specified time frame.
• IMG Travel Insurance: Offers plans like iTravelInsured Essential, SE, and LX, which provide varying levels of coverage for trip cancellation, medical emergencies (up to $500,000), and medical evacuation (up to $1,000,000). The LX plan is the most comprehensive, covering adventure sports and pre-existing conditions if purchased within the required time frame.
• AARP Travel Insurance: Partnered with Allianz Global Assistance, AARP offers travel plans specifically tailored for seniors, covering trip cancellations, interruptions, emergency medical expenses, and evacuation. Plans like the OneTrip Prime include free coverage for kids under 17 and up to $100,000 in emergency medical coverage.
• Costco Travel Insurance: Through Travel Guard by AIG, Costco members can access plans such as the Essential, Preferred, and Deluxe options, covering trip cancellations, interruptions, medical emergencies, and rental car damage. The Deluxe plan offers higher limits for medical coverage and trip protection, making it ideal for international travel.
• State Farm Travel Insurance: State Farm offers a policy covering trip cancellations, delays, emergency medical expenses, and lost baggage, with customizable options for additional coverage like adventure sports. The plan is geared towards providing essential protection for both domestic and international trips.
• AXA Travel Insurance: AXA offers three primary plans: Silver, Gold, and Platinum, with the Platinum plan providing the highest coverage limits, including up to $250,000 for medical expenses and $1,000,000 for emergency evacuation. These plans cater to global travelers, offering robust protection for trip cancellations, medical emergencies, and more.

What is travel insurance?

Travel insurance protects you from financial losses and unexpected events during a trip, such as trip cancellations, medical emergencies, and lost luggage. It provides peace of mind by covering costs that could otherwise be expensive. It's essential for both domestic and international travel.

It is your safety net for when things don’t go as planned on your trip, whether you’re traveling within the U.S. or venturing abroad. You’ve probably heard stories—or even experienced it yourself—of flights being canceled last minute due to bad weather, or plans falling apart because of unexpected events like illness or family emergencies. That’s where travel insurance comes in.

Travel coverage also protects you from other common issues, like getting sick or injured during your trip, having your luggage lost by the airline, or dealing with unexpected trip interruptions. For example, if you’re on a business trip to New York and suddenly fall ill, your travel insurance USA plan can help cover the cost of medical treatment or even emergency evacuation if needed.

What does travel insurance cover in the USA?

Travel insurance typically covers several key areas, depending on your chosen plan. Here’s a breakdown of the common coverage areas and typical limits:

Coverage Type	What It Covers	Typical Coverage Limits
Trip Cancellation	Reimburses non-refundable trip costs if you cancel for a covered reason (e.g., illness, weather).	Up to 100% of trip cost (e.g., $5,000 - $50,000)
Trip Interruption	Covers additional costs if your trip is cut short.	Up to 150% of trip cost (e.g., $7,500 - $75,000)
Emergency Medical Insurance	Pays for medical treatment if you get sick or injured while traveling.	$50,000 to $500,000
Emergency Medical Evacuation	Covers the cost of emergency transport to a hospital or back home.	$100,000 to $1,000,000
Baggage Loss/Delay	Reimburses you for lost or delayed luggage and personal items.	$500 to $3,000
Trip Delay	Covers additional expenses if your trip is delayed (e.g., meals, hotels).	$500 to $2,000
Rental Car Insurance	Covers repair costs if your rental car is damaged or stolen.	$25,000 to $50,000
Cancel For Any Reason (CFAR)	Optional add-on that lets you cancel your trip for any reason.	Up to 75% of trip cost (varies by plan)

Cancel For Any Reason Travel Insurance (CFAR)

Travel insurance companies also offer you an add-on called CFAR. Cancel For Any Reason (CFAR) travel insurance is an optional upgrade that allows you to cancel your trip for reasons not covered by standard policies.

Unlike traditional policies that only reimburse you for specific, covered reasons (like illness or weather disruptions), CFAR offers flexibility, letting you cancel for virtually any reason and still receive partial reimbursement, typically up to 50-75% of your non-refundable trip costs.

To qualify for CFAR, you usually need to purchase it soon after your initial trip deposit (within 14-21 days) and cancel your trip at least 48-72 hours before departure. The travel insurance cancel for any reason add-on is more expensive than standard coverage leading to higher overall premiums, but offers broader and much-needed essential protection.

What does travel insurance not cover?

Travel insurance policies typically don't cover the following:

• Pre-existing medical conditions (unless a waiver is purchased or conditions are met).
• Routine medical checkups or treatments that are not emergencies.
• High-risk activities like extreme sports or adventure activities, unless additional coverage is purchased.
• Pandemic-related cancellations unless explicitly included (e.g., COVID-19).
• Trip cancellations for non-covered reasons (e.g., changing your mind).
• Known events (e.g., traveling to an area after a hurricane warning has been issued).
• Losses due to intoxication or drug use.
• War, terrorism, and civil unrest (unless specifically covered).
• Losses from illegal activities or reckless behavior.
• Items left unattended that are lost or stolen (baggage coverage may not apply in these cases).

How much is travel insurance in 2024?

The cost of travel insurance typically ranges from 4% to 10% of your total trip cost. For example, if you spend $5,000 on a trip, travel insurance might cost between $200 and $500. Several factors influence the price, including:

• Trip Cost: The more expensive your trip, the higher the insurance cost.
• Age of Travelers: Older travelers generally pay more for coverage.
• Coverage Levels: Comprehensive plans with higher limits or additional features, like Cancel For Any Reason (CFAR), will increase the cost.
• Destination: International travel, especially to countries with higher medical costs, can increase your premium.

For example, a week-long vacation to Mexico might cost you around $150 for a standard travel insurance policy, while a two-week European vacation could run closer to $300.

How much does travel insurance cost?

Here are quotes we obtained for several traveler profiles to give you an idea of how much you could typically expect to pay. The quotes below are from Allianz.

Coverage Details	Traveler 1	Traveler 2	Traveler 3
Traveler Profile	30-year-old from Massachusetts	50-year-old from Texas	65-year-old couple from Colorado
Destination	France (14 days) (Schengen travel insurance)	Mexico (1 week)	United Kingdom (14 days)
Plan Type	Single-Trip Basic	Single-Trip Basic	Single-Trip Basic
Total Cost/Premium	$194	$220	$297 per person (Total: $594)
Trip Cancellation Insurance	$5,000	$5,000	$5,000
Trip Interruption Insurance	$5,000	$5,000	$5,000
Emergency Medical/Dental	$10,000	$10,000	$10,000
Emergency Transportation	$50,000	$50,000	$50,000
Epidemic Coverage
24-Hr Hotline Assistance

• All the above quotes are for a trip cost of $5,000 per person.
• The limits mentioned are per insured.

Average Cost of Travel Insurance by Trip Cost

As mentioned earlier, the cost of travel insurance typically ranges from 4% to 10% of the total trip cost. As a general rule, the more expensive your trip, the higher the insurance premium, though the percentage decreases as the trip cost rises. For example, a $1,000 trip might cost around $70 in insurance, while a $5,000 trip could cost around $260. This makes travel insurance a valuable investment to protect prepaid expenses like flights, hotels, and tours.

Trip Cost	Estimated Insurance Cost
$500	$40 - $60
$1,000	$60 - $100
$3,000	$150 - $200
$5,000	$200 - $400
$10,000	$400 - $800

Average Cost of Travel Insurance by Age

Age is a key factor in determining travel insurance premiums. Younger travelers tend to pay less, while costs increase significantly after the age of 50. For example, a 30-year-old may pay around $200 for coverage, but this could rise to over $500 for a 70-year-old.

Age	Estimated Premium
30	$150 - $250
50	$250 - $350
60	$300 - $500
70	$500 - $900

5 tips to get cheaper travel insurance in the USA

An easy way to find affordable travel insurance is by using an online tool like HelloSafe's comparator. It's free, quick, and gives instant personalized quotes, helping you compare plans easily. Here are five tips to get the best deal on travel insurance:

1. Compare Plans Online: Comparing plans from different providers can save you money while ensuring you get the best coverage. For example, you might find that one company offers free coverage for children or includes extra benefits like missed connection coverage at no additional cost.
2. Opt for Essential Coverage: Stick to core coverage like medical emergencies, trip cancellations, and lost luggage. If you're not planning on engaging in risky activities, avoid paying for adventure sports coverage. By focusing on what you truly need, you can reduce premiums.
3. Check Credit Card Benefits: Before buying a separate policy, check if your credit card offers built-in travel coverage. Many cards, especially premium ones, cover aspects like trip cancellation, rental car insurance, or lost baggage. For example, cards like Chase Sapphire Reserve or American Express Gold offer travel insurance benefits. You can use our free tool HelloCard to explore all the coverages on your card.
4. Buy Early: Purchasing your policy as soon as you book your trip leads to better pricing. As your travel date gets closer, premiums may increase, especially if there are changes to your health or travel plans. By buying early, you not only secure a lower price but also lock in coverage for any unforeseen changes or cancellations.
5. Consider Multi-Trip Policies: If you travel multiple times a year, an annual multi-trip policy might be more economical than buying single-trip plans. For example, if you take both business and personal trips, a multi-trip plan could save you hundreds of dollars annually, as it covers all your trips over 12 months.

How to get travel insurance?

One of the simplest ways to find the right travel insurance for your needs is by using a comparison tool, like the HelloSafe travel insurance comparator. It’s free, easy to use, and provides personalized quotes instantly. In just a few steps, you can compare multiple plans side by side, helping you find the best coverage at the most affordable price—all in one place.

Here are quick steps that you must generally follow to buy travel insurance that suits you best.

1. Assess Your Needs: Determine the coverage you need based on your trip (e.g., trip cancellation, medical expenses).
2. Compare Providers: Use comparison sites like HelloSafe to find options from top travel insurance companies.
3. Check Existing Coverage: Review any travel benefits from your credit card or current insurance.
4. Get a Quote: Enter your trip details on the provider's website for a personalized quote.
5. Review and Purchase: Read the policy details carefully, then purchase the plan online.
6. Know the Claims Process: Understand how to file a claim and what documentation is required.

How does travel insurance work?

Travel insurance works by reimbursing you for covered expenses or providing services when things go wrong on your trip. Here’s how it generally works:

1. Purchase a Policy: Before your trip, choose a plan that meets your needs. You’ll need to provide details about your trip, such as the cost and dates, and pay the premium.
2. Encounter an Issue: If something happens—such as you get sick, your flight is canceled, or your luggage is lost—review your policy to confirm that the issue is covered.
3. File a Claim: Contact your provider as soon as possible. You’ll need to fill out a claim form and provide documentation, such as receipts or medical reports, to support your claim.
4. Get Reimbursed: Once your claim is approved, the insurance company will reimburse you for the covered expenses, up to the policy’s limits.

Credit Card Travel Insurance

Credit Card Travel Insurance is a complimentary benefit offered by many credit cards that provides coverage for travel-related issues, such as trip cancellations, interruptions, lost baggage, or travel delays. This coverage typically kicks in when you use your card to pay for travel expenses. While coverage varies by card, it often includes protections that can save you money and provide peace of mind during your trips.

What is the best credit card for travel insurance?

Here are a few popular credit cards that offer travel benefits:

• Amex Platinum Travel Insurance: The Amex Platinum Card offers extensive travel benefits, including up to $500,000 in travel accident insurance, $10,000 for trip cancellation, and $500 for trip delays over six hours, making it ideal for frequent and luxury travelers.
• Chase Sapphire Travel Insurance: Chase Sapphire Preferred and Reserve cards include robust travel benefits. Chase travel insurance coverage includes trip cancellation/interruption (up to $10,000 per person), baggage delay, emergency medical and dental, and rental car damage waiver.​
• Chase Sapphire Preferred Travel Insurance: The Chase Sapphire Preferred Card offers trip cancellation/interruption coverage up to $10,000 per trip, primary rental car coverage, and baggage delay coverage, making it a strong mid-tier option for travelers.
• Chase Sapphire Reserve Travel Insurance: The Chase Sapphire Reserve Card provides even more extensive coverage, including trip cancellation/interruption of up to $10,000 per person, $2,500 for trip delays, and primary emergency evacuation coverage of up to $1,000,000, ideal for premium travelers.

How much is travel trailer insurance?

The cost of travel trailer insurance generally falls between $200 and $1,500 per year, though this can vary based on several factors. For part-time users who only take their trailers out occasionally, insurance costs typically range from $200 to $500 annually. However, for full-time RVers who live in their travel trailers year-round, premiums can be higher, ranging from $1,000 to $3,000 per year.

The type of coverage you select also plays a significant role in determining the cost. Comprehensive and collision coverage, which protects against accidents and non-collision incidents like theft or weather damage, tend to increase premiums. Additionally, optional add-ons like roadside assistance, total loss replacement, and vacation liability can further impact the cost.

Factors like your trailer's size, the value of your personal belongings inside, your location, and how often you use the trailer also influence the price. For example, if you frequently travel in areas prone to severe weather, or if you store your trailer in a high-crime area, your premiums may be higher. To get the best deal, it’s essential to compare quotes from multiple providers.

What is the best travel insurance for seniors?

Travel insurance for seniors, for trips both within the States and abroad, is crucial for covering medical emergencies, trip cancellations, and other travel-related issues that may arise, especially when traveling internationally. Seniors should look for plans that offer high limits for emergency medical coverage, medical evacuation, and pre-existing condition waivers.

Many providers, like Allianz, GeoBlue, and AIG Travel Guard, offer specific plans tailored to older travelers, with comprehensive coverage that includes emergency medical expenses, trip cancellations, and round-the-clock assistance. Be it domestic travel insurance or international coverage, it's important to purchase your policy early to qualify for pre-existing condition waivers, typically available within 14-21 days of the first trip payment. Seniors should also consider the coverage limits and the destinations they plan to visit, ensuring they are protected in regions with high healthcare costs.

Key points to consider while buying travel insurance for seniors:

• High Medical Coverage: Look for plans offering at least $100,000 in emergency medical and $250,000 in evacuation coverage.
• Pre-Existing Condition Waivers: Purchase within 14-21 days of trip booking to get coverage for pre-existing conditions.
• Comprehensive Plans: Opt for policies that cover trip cancellations, interruptions, and emergency assistance.
• Senior-Specific Providers: Consider companies like Allianz, GeoBlue, and AIG Travel Guard, which cater to senior travelers.

Does travel insurance cover COVID-19?

Yes, many travel policies now include coverage for COVID-19-related expenses, but the extent of coverage can vary by provider and plan. Typically, this includes reimbursement for trip cancellations or interruptions if you, a traveling companion, or a family member test positive for COVID-19.

It also often covers medical expenses if you contract the virus during your trip, including hospitalization and quarantine costs. Some policies may also provide coverage for trip delays due to COVID-19-related issues, such as mandatory quarantine or border closures.

However, your policy may not cover COVID-19-related issues in certain situations. For example, if you travel to a destination with a known COVID-19 outbreak or a travel advisory in place, your health insurance for overseas travel policy might exclude coverage for cancellations or medical expenses related to the virus. Additionally, some policies do not cover cancellations due to fear of contracting COVID-19 or if the cancellation is not for a medically confirmed reason.

If you fail to follow local or international health guidelines, such as mandatory quarantines, you may also lose coverage. Always check your policy's exclusions and conditions to understand when COVID-19 coverage applies.