Insuring Your Travel Investment

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Do you want Trip cancellation insurance or Travel medical insurance?

     

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance for U.S. citizens with trip cancellation coverage - Highlights

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Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

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Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

home_health

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship help
Destination help
Start date help
End date help

Travel medical insurance with no trip cancellation coverage - Highlights

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Health care expenses

Covers medical costs for sickness or accidents during travel.

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Doctor visit

Covers cost of clinic or doctor visit.

medication

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

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Repat of remains

Return of moral remains to home country or local burial.

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Why should i buy trip insurance?

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.

Insuring travel investment expenses

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.

  • Cancel for any reason -CFAR is an additional rider that can be included to get the maximum percentage of the cost of the trip covered. CFAR provides coverage for any reason that may not be mentioned as a reason for coverage. Reasons like changing dates of travel or cancelling it completely will not be covered by trip cancellation insurance. The CFAR cover should be purchased within the 10 days after the initial trip deposit is made. Choosing to buy “Cancel for any reason” (CFAR) cover travelers can recover up to 75 % of the expenses for a future trip.
  • Trip cancellation — This is the primary reason to consider getting this insurance. This benefit allows you to choose an amount for your trip cost that you will insure with your policy. There are certain conditions which, should they arise, will allow you to get a refund of the amount you insured (up to the non-refundable cost of your trip).

    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?).

  • Trip interruption — This benefit is similar to the above benefit, but kicks in after you started your trip. If, for similar above reasons, you have to interrupt your trip early, you will get a refund of some percentage of your money (the percentage of the trip left to take). This benefit is also usually given at more than 100%.
  • Trip Delay — This is a set amount (around $1000) which will reimburse you an amount per day for any additional transportation, meals, accommodations, and non-refundable portion of your trip that you spend or lose due to a delay in your trip generally for 6 hours or longer.
  • Missed connection — A set amount (in thousands of dollars) which will reimburse you for additional transportation costs to join your cruise or tour if you miss your connection due to a delay of 3 hours or more. This benefit will also reimburse you for additional meals and accommodations as well as non-refundable losses from your trip payments.
  • Emergency medical expense — This is a set amount (thousands of dollars) which the company will pay for unexpected medical expenses you incur while on your trip. Note that some companies will include coverage for pre-existing medical conditions if you make your purchase within a short time of your initial down payment on your trip. This can be very important for planning your purchase for older people and those with medical conditions that you don’t wish to worry about while on your trip.
  • Emergency medical evacuation — This is a set amount (generally hundreds of thousands of dollars up to a million) which will move you to the nearest appropriate medical facility if medically necessary. If you are planning a remote cruise, you might want to consider getting a fair amount of coverage here just in case of such an emergency. Furthermore, if an adult is hospitalized, the policy will transport dependent children home (with a chaperone if needed) and/or you can have a person you choose come stay at your bedside while you are in the hospital if it turns into a lengthy stay (if you travel alone).
  • Repatriation — If you should die while traveling, this benefit returns your mortal remains to your residence in the US or your place of burial.
  • Lost baggage/personal efffcts — This benefit (generally hundreds of dollars) will reimburse you for loss, theft, and damage to baggage and personal effects. This may also reimburse you for delayed baggage if delayed for more than 12 hours.
  • Ad&d — Most policies offer an Accidental Death & Dismemberment (AD&D) benefit. That is, an amount is paid out to the insured for loss of limbs or sight or a beneficiary for accidental death of an insured while on your trip.
  • Common carrter ad&d — This is a death/dismemberment benefit while on a commercial airline.
  • Travel assistance services — Also called concierge services, many companies offer information over the phone for such things as locating a doctor, translation services, helping with lost or stolen documents, etc. These insurance companies are well versed in many countries and have many resources to draw from in order to assist their customers abroad.

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.

What are the top recommended travel insurance providers in the USA?

Trawick International:

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.

IMG:

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.

Seven Corners:

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.

Travel insurance services:

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.

HTH Worldwide:

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.

What should i consider while choosing the best trip insurance?

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:

  • Trip Cancellation & Interruption Coverage: Make sure the policy reimburses non-refundable expenses if you have to cancel or cut your trip short due to covered reasons like illness, injury, or severe weather.
  • Emergency medical & evacuation: Essential for international travel. Look for plans that cover medical treatment, hospital stays, and emergency evacuation back home.
  • Pre-existing medical conditions: Choose a plan that includes a pre-existing condition waiver if you have any ongoing health issues. These are often available if you purchase the plan within 14–21 days of your first trip payment.
  • Cancel for any reason (CFAR): If you want flexibility, consider a CFAR upgrade, which allows you to cancel for reasons not normally covered and get back up to 75% of your prepaid expenses.
  • Baggage and travel delay coverage: Ensure the policy includes reimbursement for delayed, lost, or stolen luggage and additional expenses if your trip is delayed.
  • Free Look Period: Reputable travel insurance providers offer a free look period (typically 10–15 days) after purchase. During this time, you can review the policy, and if it doesn’t meet your needs, cancel it for a full refund provided no claims have been filed.
  • Activity specific coverage: If you're going on a cruise, doing adventure sports, or attending ticketed events, look for plans that include or allow add-ons for those scenarios.
  • Event ticket protection: Some trip protection plans offer reimbursement for non-refundable event tickets, such as concerts, sports events, or shows, if you miss the event due to a covered travel disruption.
  • Rental car damage coverage: If you plan to rent a car, consider adding collision damage waiver (CDW) coverage. Some plans include this as an optional upgrade to save on costly coverage from car rental companies.
  • Cost of trip insurance: Travel insurance typically costs between 4% and 10% of your total prepaid, non-refundable trip expenses. Factors that influence the cost include your age, trip length, destination, coverage limits, and whether you choose add-ons like CFAR or rental car protection.
  • 24/7 global travel assistance: Top providers offer round-the-clock support, helping you find medical care, reschedule flights, or replace lost documents during your trip.

How much does the best travel insurance cost in 2025?

How much is travel insurance for a month? How much is travel medical insurance?

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.

Trip cancellation 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

Best Trip Cancellation Insurance

Review trip cancellation coverage benefits

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Travel Medical Insurance

US citizens traveling outside USA:

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 month

Travel medical insurance for US citizens traveling abroad

Review travel medical insurance coverage benefits

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How to reduce the trip cancellation insurance cost?

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.

How much does travel insurance cost for a week? How much does travel insurance cost for 2 weeks?

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.

How much does travel insurance cost for 6 months?

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.

What are the benefits of USA visitors insurance?

  • Health care expenses: Covers hospital expenses for sickness or accidents.
  • Doctor visit: Insures Doctor visits for sudden injury or sickness.
  • Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
  • Medical evacuation: Medical evacuation expenses to nearest facility included.
  • Repat of remains: Repatriation of remains to home country included.
  • Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.

Resourceful tourist insurance USA information

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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Guide to buying the best international travel health insurance
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Travel insurance glossary

Commonly used international travel medical insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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US travelers insurance, Travel health insurance USA

Best travel health insurance in USA information

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Travel medical insurance USA resources
International travel insurance resources for USA visa holders.

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Factors for travel insurance USA online
Factors for the best travel insurance to USA.

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Types of USA tourist insurance online
Different types of tourist insurance for USA.

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USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.

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Which are the best travel insurance companies in USA?

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.

Which are the best visitors insurance companies in USA?

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HTH Worldwide

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