Best Domestic Travel Insurance
Domestic travel insurance cost calculator
What Is Domestic Travel Insurance?
Domestic travel insurance is US travel insurance designed to provide coverage for trips taken within the United States. These include vacations to Disney theme parks, a vacation at the beach, road trips to national parks or monuments, family visits, or business travel within the United States.
Although travel insurance is commonly associated with international trips, domestic travel insurance is important and offers valuable protection for unforeseen events that can occur even when you're traveling within the U.S.
What Does Domestic Travel Insurance Cover?
Domestic travel insurance offers financial protection for trips taken within your home country, such as vacations, weekend getaways, or business travel in the United States. While coverage can vary by provider and plan, most domestic travel insurance policies typically include the following:
- Trip Cancellation: It may provide coverage for non-refundable trip payments and deposits if cancelled prior to the departure date for illness, death or other specific unforeseen circumstances.
- Trip interruption: Trip Interruption may provide coverage benefits for pre-paid non-refundable travel expenses if an unexpected crises occurs during the trip causing it to be interrupted or delayed.
- Travel delay: Provides coverage for basic expenses, such as a hotel room and meals, if elected trip is delayed for a covered reason. Coverage starts when the delay reaches a specified number of hours (hours vary by plan).
- Emergency medical coverage: Pays for medical treatment if you become sick or injured during your trip, especially helpful if your regular health insurance doesn’t fully cover out-of-state care or has a high deductible.
- Baggage loss or delay: Covers lost, stolen, or delayed luggage and personal items.
- Pre-existing condition coverage: If purchased early (typically within 21 days of your initial trip payment), many plans offer a waiver for pre-existing medical conditions.
- Cancel for any reason (CFAR) (Optional upgrade): Available on select plans, CFAR allows you to cancel your trip for reasons not normally covered, and receive partial reimbursement (usually 50–75%).
Who Can Buy Domestic Travel Insurance?
Domestic travel insurance is ideal for:
- Families taking a vacation within the U.S.
- Solo travelers or couples on weekend getaways.
- Retirees exploring different states.
- Students traveling for school-related trips or college visits.
- Business travelers attending conferences or meetings.
- Travelers with high non-refundable trip costs.
- Anyone with a high-deductible health plan who wants additional coverage.
What Are Common Situations Where Domestic Travel Insurance Can Help?
Flight cancelled due to weather
A sudden storm cancels your flight, causing you to lose money on non-refundable hotel and rental car bookings.
Trip cancellation benefits can help those who lost the expenses.
Too sick to travel
You fall ill before your trip and can’t travel, losing money on non-refundable hotel, tickets, and rental car.
Trip cancellation coverage helps you recover your prepaid costs.
Medical emergency out of state
You’re injured during your trip and need urgent care, but your health insurance has a high out-of-network cost.
Emergency medical coverage can help cover those unexpected medical bills.
Delayed baggage
Your luggage doesn’t arrive for long time, and you need to buy clothes and essentials for the day.
Trip interruption coverage can reimburse you for the unused portion of your trip and any rebooking expenses.
Unexpected overnight stay
A missed connection leaves you stranded overnight, needing a hotel and meals until your next flight.
Baggage delay coverage reimburses you for emergency items.
Illness during the trip
Midway through your trip, your travel companion falls ill, forcing you to return home early.
Travel delay benefits can cover even these added expenses.
What Are the Best Domestic Travel Insurance Plans?
Great question! The best domestic travel insurance plan depends on your individual needs and travel priorities. Every traveler is different — for example, someone with pre-existing medical conditions may need a plan that offers strong medical coverage, while another traveler focused on protecting prepaid trip costs might prefer a plan with robust trip cancellation and interruption benefits. It’s important to choose coverage that fits your travel style, health situation, and budget.
Pathway Domestic Travel Insurance Trawick International
- Designed for U.S. residents traveling within the USA, Pathway Domestic is an affordable travel insurance plan that focuses on protecting your trip investment, such as flights, hotels, tours, and other non-refundable costs. This plan does not include medical coverage, hence making it cheap and ideal for travelers who already have regular health insurance but want to protect their trip investment.
- Trip Cancellation : Covers Up to 100% of Trip Costs.
- Trip Interruption: Covered up to 100% of trip cost.
- Travel Delay: $300/$100 day/12 Hour Delay.
- Baggage Delay Coverage: $200 ($50 daily) 24 hours.
- Accidental Death & Dismemberment: Up to $10,000.
- Missed connection: $250 for delays of 12 hours or more
Trip Cost?
Up to $14,000Trip Duration?
90 daysMaximum Age insured?
Up to age 85Coverage type?
Primary
Trip Protection USA Travel Insurance Seven Corners
- Trip Protection USA is a comprehensive domestic travel insurance plan designed for U.S. residents traveling within the United States. This plan provides both medical and travel-related benefits, including coverage for trip cancellation, trip interruption, travel delays, baggage loss, and emergency medical expenses. It is ideal for US travelers within the United States who want comprehensive protection for both their health and trip investment during domestic travel.
- Trip Cancellation : Covers Up to 100% of Trip Costs.
- Trip Interruption: Covered up to 125% of trip cost.
- Emergency Medical Coverage: Up to $50,000
- Baggage Delay Coverage: $100 per day to a $250 maximum.
- Emergency Medical Evacuation: Up to $250,000
- Optional Rental Car Damage: Up to $50,000
- Optional Cancel for any reason: Up to 75% of non-refundable trip cost.
Trip Cost?
Up to $20,000Maximum Age insured?
Up to age 99Trip Duration?
90 daysCoverage type?
Primary
How Much Does Domestic Travel Insurance Cost?
Domestic travel insurance in the USA starts at $19 for a 15 day trip with a $1,000 trip cost.
The cost of domestic travel insurance typically depends on several factors, including:
- Trip duration
- Traveler’s age
- Coverage limits
- Optional add-ons and policy features
On average, domestic vacation travel insurance costs between 4% and 8% of your total trip price.
| Plan Name | Trip cancellation (100% of Trip Cost) | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Pathway Domestic | Up to $14,000 | $19 | $25 | $42 | $59 |
| Trip Protection USA | Up to $20,000 | $23 | $23 | $38 | $38 |
| Safe Travels Protect | Up to $14,000 | $24 | $32 | $39 | $74 |
| Pathway Plus | Up to $50,000 | $32 | $43 | $70 | $98 |
| Trip Protection Basic | Up to $30,000 | $34 | $47 | $70 | $70 |
| Travelex Advantage | Up to $10,000 | $36 | $42 | $62 | $87 |
| Itravelinsured Choice | Up to $10,000 | $39 | $50 | $73 | $110 |
| Pathway Premium | Up to $100,000 | $43 | $56 | $90 | $126 |
| Trip Protector Economy | Up to $50,000 | $47 | $55 | $71 | $75 |
| Travelex Ultimate | Up to $50,000 | $57 | $69 | $91 | $125 |
| Trip Protection Choice | Up to $100,000 | $65 | $87 | $118 | $118 |
| Itravelinsured LX | Up to $100,000 | $102 | $114 | $138 | $171 |
Source: American Visitor Insurance®
Which Is the Cheapest Domestic Trip Insurance for Travel Within the USA?
The cheapest domestic trip cancellation insurance plan within the USA is Pathway domestic insurance.
Other affordable domestic travel insurance options include Pathway Essential, and Trip Protection Basic.
These plans offer essential coverage at low cost, making them ideal for U.S. residents seeking budget-friendly protection for travel within the country.
Pathway Domestic
Trawick International
$19 Per monthAge: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
Trip Protection USA
Seven Corners
$23 Per monthAge: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $20,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $50,000
- Medical evacuation up to $250,000
- Offers trip cost up to $10,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $50,000
- Medical evacuation up to $250,000
- iTravelInsured Choice: Affordable domestic trip insurance from IMG covering trip cancellations, interruptions, delays, and lost baggage. Coverage up to $10,000.
✅ Includes optional Cancel for Any Reason (CFAR), enhanced medical coverage, cruise protection, and sports coverage, ideal for family vacations and road trips. - Safe Travels Protect: Budget-friendly domestic travel plan offering essential protection for trip cancellations, interruptions, and emergency medical expenses within the U.S. Coverage up to $14,000.
✅A simple and affordable plan offering solid coverage for cancellations, delays, and medical emergencies, ideal for budget-conscious domestic travelers. - Trip Protection Basic: Low-cost domestic travel insurance covering trip cancellations, interruptions, delays, and lost baggage. Coverage up to $30,000.
✅ Includes primary medical coverage and optional CFAR upgrade, making it a smart choice for budget-conscious travelers.
Which Is the Best Domestic Trip Insurance for Travel Within the USA?
The best domestic travel insurance plan for U.S. residents is iTravelInsured Travel LX.
Other top-rated options include Pathway Premium and Trip Protection Choice.
These plans provide comprehensive coverage with features such as:
- Higher trip limits
- Robust emergency medical benefits
- Optional Cancel for Any Reason (CFAR)
- Additional travel protections
Ideal for travelers seeking maximum coverage and peace of mind within the USA.
Pathway Premium
Trawick International
$43 Per monthAge: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $100,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $100,000
- Medical evacuation up to $1,000,000
- Offers trip cost up to $50,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $1,000,000
- Offers trip cost up to $150,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $500,000
- Medical evacuation up to $1,000,000
- Trip Protection Choice: Comprehensive domestic travel insurance plan covering trip cancellations, interruptions, missed connections, and lost baggage within the U.S. Coverage up to $100,000.
✅ Includes primary emergency medical coverage and optional event ticket protection for non-refundable shows or sports events. - Trip Protector Preferred: Premium domestic travel insurance plan offering coverage for trip cancellations, delays, baggage loss, and emergency medical expenses within the U.S. Coverage up to $50,000.
✅ Includes 24/7 concierge assistance and access to a nationwide medical network, ideal for frequent travelers. - Travel Insurance Select Elite: Top-tier domestic travel insurance plan providing protection for trip cancellations, interruptions, delays, and emergency medical coverage across the U.S. Coverage up to $100,000.
✅ Includes optional Cancel for Any Reason (CFAR) upgrade and pre-existing condition waiver for added flexibility.
Does Domestic Trip Insurance Cover Pre-Existing Conditions?
Many Domestic travel insurance plans offer a waiver of the pre-existing medical condition exclusion if you purchase your policy within 14 to 21 days of your initial trip deposit. However, the iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment. This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.
While we hope your trip goes smoothly and you stay happy and healthy, it’s reassuring to know that you’ll be protected even if unexpected issues arise — from the minor inconvenience of a missed connection to the major challenge of seeking medical care abroad or having to cancel your trip altogether.
- Pathway Premium – Covered if purchased within 21 days of the initial trip deposit.
- Travelex Ultimate – Waiver included if purchased within 21 days of the first trip payment, with the full trip cost insured.
- iTravelInsured Travel LX – Waiver available if purchased within 24 hours of the final trip payment.
- Safe Travels Armor – Covered if purchased within 14 days of the initial trip deposit.
- Trip Protection Choice – Covered if purchased within 20 days of the initial trip payment or deposit, and other requirements are met.
- Trip Protector Preferred – Coverage available if purchased within 21 days of the initial trip deposit.
At American Visitor Insurance, we're here to help you find the right trip cancellation insurance with pre-existing condition coverage so you can travel with confidence and peace of mind.
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When Should I Buy Domestic Travel Insurance for the Best Coverage?
It’s best to purchase domestic travel insurance soon after making your first trip payment—like booking a flight, hotel, or tour. Buying early ensures you get the most benefits, such as
- Pre-existing condition coverage (if purchased within 10–21 days of the first trip payment, depending on the plan).
- Cancel For Any Reason (CFAR) upgrade eligibility.
- Protection against unforeseen events before your departure, like illness or bad weather.
The earlier you buy, the more peace of mind and protection you have before and during your trip.
Domestic Travel Insurance – Common Questions
1. Do I need travel insurance for trips within the U.S.?
Yes, even for short trips, unexpected events like illness, weather-related delays, or lost luggage can disrupt your plans. Domestic travel insurance helps you recover costs and reduces stress during such situations.
2. What does domestic travel insurance typically cover?
It generally includes coverage for:
- Trip cancellations or interruptions.
- Travel delays and missed connections.
- Emergency medical expenses.
- Baggage loss or delay.
- Emergency evacuation and assistance services.
3. Is my regular health insurance enough for travel within the U.S.?
Not always. Some plans may have high out-of-network deductibles or limited coverage in other states. Domestic travel insurance can help fill those gaps and cover emergency expenses while you're away from home.
4. When is the best time to buy domestic travel insurance?
Buy it soon after your first trip booking (like your flight or hotel). This gives you access to the most benefits, such as coverage for pre-existing conditions or the Cancel For Any Reason (CFAR) upgrade.
5. Does domestic travel insurance cover pre-existing conditions?
Yes, many plans offer a waiver for pre-existing conditions but only if you buy the insurance within a specific window (usually 10–21 days) after your initial trip payment and meet other conditions like being medically stable.
6. How much does domestic travel insurance cost?
Domestic travel insurance at American Visitor Insurance starts as low as $19 for a 15-day trip. This makes it a highly affordable option for protecting your travel plans within the U.S.
The actual cost depends on several factors, including the total trip cost, duration, age of the traveler(s), and the level of coverage selected whether basic or comprehensive. Even for inexpensive domestic trips, having insurance can be well worth it, as it protects against unexpected cancellations, medical emergencies, or travel delays that could otherwise lead to significant out-of-pocket expenses.
7. Where can I buy domestic travel insurance?
You can compare and purchase domestic travel insurance online at American Visitor Insurance a trusted platform offering top-rated plans from leading providers.
8. Can I get domestic travel insurance coverage for road trips or weekend getaways?
Absolutely. Domestic travel insurance works for all types of trips whether it’s a road trip, weekend getaway, city break, beach vacation, or even business travel as long as it’s within your home country and includes non-refundable expenses. It’s a smart way to protect your travel investment, even on shorter trips.
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