Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Covers medical costs for sickness or accidents during travel.
Covers cost of clinic or doctor visit.
Expenses from doctor prescribed eligible medications.
Transportation to or between hospitals as needed.
Return of moral remains to home country or local burial.
Greetings, fellow travelers! I recently purchased a trip insurance policy for myself and researched all the available options on our site here at American Visitor Insurance. I thought I would share my results with you all to give some insight on these plans, their purpose and what to look for.
Firstly, you may ask: Why purchase a trip insurance policy? What is the difference between trip protection and travel health insurance? Well, a trip insurance policy allows you to insure a value which you paid for the trip.
You purchase the policy in advance and then, should something happen to prevent you from going on your trip, you would get your money back that you would have lost since you were not able to go on your trip.
International travel health insurance primarily covers your unexpected medical expenses while you are traveling outside your home country. These plans can also provide some miscellaneous travel benefits, such as (1) baggage loss, (2) trip interruption, and so on, but primarily they will cover unexpected medical costs incurred. A trip plan, generally, will cover your medical expenses should you go on your trip, but they are designed more in mind of someone booking an expensive cruise or tour, for example, since the benefits are very appropriate for such a situation.
What benefits do I get from a trip insurance plan? Before I discuss individual policies, let me describe some benefits most plans have.
Such reasons, generally are:(1) sickness, injury or death of a member of the party or immediate family members of the travelers, (2) felonious assault of a party member, (3) court ordered appearance or jury duty of a traveler, (4) military duty, (5) termination or layoff of employment, (6) common carrier delays due to inclement weather, mechanical breakdown or organized labor strikes that affect public transportation, (7) hijacking, (8) terrorist incident where you are planning to travel, (9) traffic accident, (10) bankruptcy or default of a tour operator, (11) quarantine of a party member, or (12) your residence made uninhabitable due to fire, flood or other natural disaster.
These reasons should be well documented and presented to your insurer as soon as possible in order to receive your benefit. These do vary slightly by company, so check your policy details to be sure you follow their procedures and you have your bases covered. Most policies pay back 100% or sometimes more of the cost you insured for your trip. The idea being that when you reschedule your trip it will cost you more next year (doesn’t everything?).
Some additional riders these plans allow: Additional flight insurance, Car rental insurance, Cancel for any reason, Cancel for work reasons, Lost ski days/ equipment rental, Lost golf rounds/equipment rental. Rental car damage can be purchased to protect a rental car used during your trip. A popular addition to many policies is the "Cancel for any Reason" benefit.
This adds a significant amount to the cost of these policies, but allows the consumer more freedom to decide not to go on the trip. For example, a terrorist act in a nearby area, may make a traveler nervous, but if it is not directly in a city in which the tour is scheduled to go, it may not qualify for the trip cancellation benefit.
In our uncertain times, people like the added peace of mind they get from this benefit since they can cancel if they feel things are not as safe as they would like in the part of the world they wanted to travel. The "Cancel for work reasons" offers a limited addition to the cancellation reasons on the policy, such as merger, acquisition of company or other such work reason.
Now, let me get to my specific example. My family and I are going on an anniversary cruise to the Galapagos Islands. So, we are 7 travelers going together with 4 adults, and three kids. For us, it makes sense to get a single travel policy since if one of us gets sick, we will all cancel.
I will put the different companies in alphabetical order with the cost for our trip of 12 days with an insurance cover of $4,500 per person. We wanted to get at least $50,000 medical expenses covered AND I wanted to be sure that pre-existing conditions were covered as well, so I will list these benefits as I go.
Top plans: Safe Travels Voyager, Pathway insurance, Safe Travels Armor, Safe Travels Protect
Why choose: Great for both domestic and international travelers, this plan includes comprehensive coverage for trip cancellation, COVID-19, pre-existing conditions, and optional Cancel for Any Reason (CFAR). It also features strong emergency medical and evacuation benefits, a free look period, and available add-ons for rental car damage and vacation rental protection, making it a well-rounded choice for modern travelers.
Top plans: Itravelinsured travel LX, Itravelinsured SE, Itravelinsured choice
Why choose: The iTravelInsured plans, offered by IMG (International Medical Group), are a smart choice for travelers who want dependable and flexible trip protection. These plans are designed to protect both your travel investment and your health, whether you’re taking a short domestic trip, planning a luxury cruise, or embarking on an international journey. With a range of plan options available, iTravelInsured provides comprehensive benefits that can be tailored to meet the unique needs of each traveler, offering peace of mind from the moment you book your trip until you return home.
Top plans: Trip Protection Choice, Trip Protection Basic, Trip Protection Elite and Trip Protection Economy
Why choose: Seven Corners trip protection insurance is a reliable choice for travelers who want solid coverage for trip cancellations, delays, interruptions, and lost baggage. Their plans, especially the trip protection series, offer flexible options for all types of travelers, with available upgrades like Cancel for Any Reason (CFAR) and event ticket protection for non-refundable tickets to concerts, shows, or sports events. They also include primary emergency medical coverage, which is helpful for both domestic and international trips. With 24/7 global assistance and a strong reputation for customer service, Seven Corners is a smart option for worry-free travel.
Top plans: Travel insurance select, Trip care complete
Why choose: Travel Insure is a trusted provider offering customizable trip insurance for both domestic and international travel. Their plans include coverage for trip cancellation, interruption, delays, baggage loss, and emergency medical expenses. Popular with seniors, families, and budget-conscious travelers, Travel Insure also offers pre-existing condition waivers and optional Cancel for Any Reason (CFAR) for added flexibility and peace of mind.
Top plans: Trip Protector Preferred, Trip Protector classic, Trip Protector Economy
Why choose: HTH Worldwide is a top choice for travelers seeking premium trip insurance with strong global medical support. Their plans offer comprehensive coverage for trip cancellation, interruption, delays, baggage loss, and emergency medical expenses, including medical evacuation. What sets HTH apart is its access to an elite network of international doctors and hospitals, plus 24/7 global concierge assistance. It’s especially popular among frequent international travelers, expats, and those who want robust medical coverage along with their trip protection.
Choosing the right travel insurance means finding a plan that fits your trip, budget, and risk level. The best plans offer a mix of trip protection, medical coverage, and extras that give you peace of mind from booking to return. Here are the key features to consider:
The American travel insurance cost per month can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for a US citizens can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to compare US citizens travel insurance quotes from different insurance providers on American Visitor Insurance.
The travel insurance cost is based on the age, trip length and the trip cost. There are cheap trip insurance plans starting at $24 for a 15 day trip with a $1,000 trip cost. This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1,000 trip cost.
Plan Name | Trip cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
---|---|---|---|---|---|
Safe Travels Protect | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $32 | $39 | $74 |
Pathway Essential | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $33 | $53 | $76 |
Pathway Plus | 100% of Trip Cost (Up to a Max. of $50,000) | $32 | $43 | $70 | $98 |
Trip Protection Basic | 100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
Itravelinsured Choice | 100% of Trip Cost | $39 | $50 | $73 | $110 |
Travel Insurance Select Basic | 100% of Trip Cost | $42 | $42 | $87 | $102 |
Safe Travels Armor | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $55 | $67 | $124 |
Pathway Premium | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $56 | $90 | $126 |
Trip Protector Economy | 100% of Trip Cost(Up to a Max. of $5,000) | $47 | $55 | $71 | $75 |
Safe Travels Voyager | 100% of Trip Cost (Up to a Max. of $100,000) | $62 | $76 | $102 | $189 |
Trip Protection Choice | 100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
Itravelinsured LX | 100% of Trip Cost | $102 | $114 | $138 | $171 |
Review trip cancellation coverage benefits
Travel insurance for travel outside the US starts as low as $20 for a month. Travel insurance provides coverage for doctor visits and emergency hospital stays while ensuring access to necessary care and financial protection against high medical costs abroad. This table gives the average travel health insurance cost for different ages.
The average cost based on the quotes for one monthPlan Name | Maximum Coverage | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
---|---|---|---|---|---|---|
Atlas Essential International Insurance | $50,000 | $250 | $20 | $40 | $86 | $263 |
Safe Travels Outbound Insurance | $50,000 | $250 | $26 | $77 | $168 | $296 |
Atlas International Insurance | $50,000 | $250 | $27 | $54 | $117 | $212 |
VisitorSecure Insurance | $50,000 | $100 | $29 | $34 | $55 | $96 |
Travel Medical Outbound USA Basic | $50,000 | $0 | $29 | $55 | $121 | $269 |
Patriot International Lite Insurance | $50,000 | $250 | $29 | $55 | $121 | $214 |
Voyager Essential Insurance | $50,000 | $250 | $32 | $58 | $116 | $271 |
Diplomat International Insurance | $50,000 | $250 | $32 | $86 | $181 | $315 |
Intermedical Insurance | $50,000 | $250 | $48 | $73 | $121 | $201 |
Source: American Visitor Insurance®
Review travel medical insurance coverage benefits
Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers. Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars. It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss. Some Cancel for Any Reason - CFAR travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs. The more expensive your trip, the higher the insurance cost. Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.
However you can lower the cost of travel insurance without compromising essential coverage by choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage. A travel medical plan is cheaper than comprehensive coverage and most of them offer coverage for emergency medical evacuation. You can also select lower coverage limits usually within $50,000 medical coverage which is often enough for most trips.
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks. You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
Travel insurance with Covid19 coverage for within USA and outside the USA.
Know more »Insure the trip expenses within and outside the USA along with health of traveler.
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You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide, INF insurance, HTH Worldwide and Venbrook International.
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