What is trip insurance?
Trip insurance popularly known as travel insurance, offers financial safety for your travel investment. Trip protects you from unexpected events before and during your travels. Whether you're heading abroad for a vacation, a business trip, or a family visit, trip insurance can help recover costs if things don’t go as planned.
Travel comes with uncertainty—flights can be canceled, luggage can get lost, and medical emergencies can happen anywhere. trip insurance offers peace of mind by covering Trip cancellations or interruptions,
Who needs trip insurance?
At American Visitor Insurance we have best trip insurance for US citizens and US residents on International or Domestic trips who have booked expensive or non-refundable trips. As older travelers are more vulnerable to health issues, they can buy trip insurance for pre-existing conditions. Travelers who have booked airline tickets, tours, or hotel reservations which non-refundable can buy travel insurance which will reimburse them if they cancel for covered reasons. Travelers who are engaged in activities like hiking, skiing, or visiting remote areas may face a higher risk of accidents.
What is the cheapest trip insurance?
The cheapest trip insurance usually offers basic trip protection for trip cancellation, delay, and basic emergency medical coverage. This will not offer any extra coverage for "Cancel for Any Reason", “interruption for any reason”, “adventure sports” or high medical coverage for pre-existing conditions.
How much does trip insurance cost?
The cost of affordable travel insurance depends on several factors, including the traveler’s age, the length of the trip, and the total trip cost. Budget-friendly travel insurance plans can start as low as $39 for a 15-day trip. The table below shows the average cost of trip cancellation insurance by age. The estimated costs are based on a 50-year-old traveler taking a 15-day trip, with trip values of $1,000, $3,000, $5,000, and $10,000.
For example, we are showing cheapest trip cancellation insurance cost for 15 days duration and 50 years age.
| Plan Name | Trip Cost 1,000 | Trip Cost 3,000 | Trip cost 5,000 | Trip cost 10,000 |
|---|---|---|---|---|
| Safe Travels Protect Trawick International | $39 | $96 | $161 | $349 |
| itravelinsured Choice IMG | $57 | $115 | $175 | $381 |
| Trip Protection Basic Seven Corners | $47 | $124 | $197 | $541 |
| Safe Travels Explorer Trawick International | $45 | $115 | $186 | $455 |
| Safe Travels Rental Plus Trawick International | $53 | $159 | $265 | $531 |
| iTravelInsured Lite IMG | $53 | $154 | $264 | $569 |
How much does luxury trip insurance cost?
The cost of travel insurance for luxury travelers varies based on factors such as age, trip length, and total trip cost. Premium travel insurance plans typically start at around $486 for a 15-day trip. The table below shows the average cost of trip cancellation insurance by age. These estimates are based on a 50-year-old traveler taking a 15-day trip, with trip values of $10,000, $30,000, $50,000, $100,000, and $150,000.
For example, we are showing the cost of exclusive trip insurance for a 15-day trip for a traveler aged 50.
| Plan Name | Trip Cost 10,000 | Trip Cost 30,000 | Trip cost 50,000 | Trip cost 100,000 | Trip cost 150,000 |
|---|---|---|---|---|---|
| Safe Travels Armor Trawick International | $486 | $1,445 | $2,430 | $4,940 | N/A |
| iTravelInsured SE IMG | $608 | $1,907 | $3,177 | $6,352 | $9,527 |
| Safe Travels Journey Trawick International | $581 | $2,266 | $3,733 | N/A | N/A |
| Safe Travels Voyager Trawick International | $674 | $2,566 | $4,216 | $8,338 | N/A |
| iTravelInsured Sport IMG | $930 | $2,790 | $4,650 | $9,300 | N/A |
| iTravelInsured LX IMG | $1,102 | $4,835 | $8,057 | $16,112 | $24,167 |
| Trip Protection Choice Seven Corners | $707 | $1,986 | $3,332 | $6,697 | N/A |
| Travel Insurance Select Elite Travel Insurance Services | $1,071 | $3,213 | $5,355 | $10,710 | $16,065 |
| Trip Protector Preferred HTH Worldwide | $922 | $3,735 | $6,219 | N/A | N/A |
Trip Cost Calculator
What are the factors that affect the best trip insurance cost?
Following are the parameters that affect the cost of best trip insurance:
- Traveler’s Age – Older travelers typically pay more due to higher risk.
- Total Trip Cost – The more you’ve prepaid for travel, the more coverage you need.
- Trip Length – Longer trips cost more to insure.
- Coverage Type – Comprehensive plans with medical, evacuation, and CFAR cost more.
- Add-ons – Extra features like Cancel for Any Reason (CFAR) increase the premium.
What is the main purpose of buying trip insurance?
- Trip Cancellation Protection: Reimburses you if you have to cancel your trip due to illness, injury, a family emergency, or other covered reasons.
- Trip Interruption Coverage: Helps recover non-refundable costs if you must return home early due to an emergency.
- Emergency Medical Care: Pays for medical treatment abroad, especially helpful in countries like the U.S. where healthcare is expensive.
- Medical Evacuation: Covers emergency transport to a better-equipped facility or back home in serious cases.
- Trip Delay Benefits: Covers meals, accommodation, and transportation if your trip is delayed unexpectedly.
- Lost or Delayed Baggage: Reimburses you for lost, stolen, or delayed luggage and personal items.
- Cancel For Any Reason (CFAR): Lets you cancel your trip for reasons not typically covered, with partial reimbursement.
What are the types of best trip insurance?
-
ITravelinsured Choice IMG
- Trip Cancellation: Coverage Up to 100% of the insured trip cost Up to $10,000
- Covers cancellations due to illness, injury, or death of the traveler or immediate family member.
- Includes protection for job loss, weather disruptions, or natural disasters
- Optional Cancel For Any Reason (CFAR): Upgrade available for added flexibility
- Trip duration: Covers Up to 180 days
Maximum Trip cost
Up to $10,000Maximum age insured
Up to 99 yearsCoverage type
Primary
Safe Travels Protect Trawick International
- Trip Cancellation: Benefits Up to 100% of the trip cost, Up to $14,000
- Covers pre-departure trip interruptions, such as sickness or death in the family.
- Includes coverage for quarantine, COVID-related cancellations, or travel advisories.
- Trip duration: Coverage Up to 90 day
Maximum Trip cost
Up to $14,000Maximum age insured
Up to 85 yearsCoverage type
Primary
Trip Protection Basic Seven Corners
- Trip Cancellation: Covers 100% of non-refundable trip costs Up to $30,000
- Personal illness or injury,death of a family member and inclement weather or airline strikes.
- A good budget-friendly option for basic trip cancellation protection.
- Trip duration: Coverage Up to 180 days
Maximum Trip cost
Up to $30,000Maximum age insured
Up to 99 yearsCoverage type
Primary
-
ITravelinsured Travel SE IMG
- Trip Cancellation: Reimburses Up to 150% of trip cost for interruptions due to covered reasons (e.g., illness, injury, weather).
- Missed trip connection: Covers Up to $500 per person
- Return transport: Included
- Trip duration: Coverage Up to 180 days
Maximum Trip cost
Up to $150,000Maximum age insured
Up to 99 yearsCoverage type
Primary
Safe Travels Explorer Trawick International
- Trip Cancellation: Up to 100% of insured trip cost.
- Covers delays or changes due to medical emergencies, quarantine, or natural disasters.
- Missed connection: Covers Up to $500 per person
- Trip duration: Covers Up to 30 days
Maximum Trip cost
Up to $30,000Maximum age insured
Up to 99 yearsCoverage type
Secondary
Trip Protection Choice Seven Corners
- Trip Cancellation: Up to 100% of insured trip cost.
- Covers delays or changes due to medical emergencies, quarantine, or natural disasters.
- Missed connection Covers Up to $500 per person
- Trip duration: Covers Up to 30 days
Maximum Trip cost
Up to $100,000Maximum age insured
Up to 99 yearsCoverage type
Primary
-
Cruise travel insurance Seven Corners
- Cruise cancellation: Covers Up to 100% trip cost, Up to $30,000
- Missed connection: $250 per day Up to $1,500
- Medical evacuation Up to $500,000
- Emergency accident and sickness coverage: Up to $250,000
- Trip Delay: Covers Up to $250 per day Up to $1,000
Maximum Trip cost
Up to $30,000Maximum age insured
Up to 99 yearsTrip duration
30 days
Safe Travels Armor Trawick International
- Cruise cancellation: Covers Up to 100% trip cost, Up to $100,000
- Missed connection: $500 per person
- Medical evacuation: Up to $1,000,000
- Emergency accident and sickness coverage: Up to $100,000
- Trip Delay: Covers Up to $1,000 ($150 per day) 12 hours
- Optional Rental car damage: Up to $50,000
Maximum Trip cost
Up to $100,000Maximum age insured
Up to 85 yearsTrip duration
90 days
ITravelinsured Travel LX IMG
- Cruise cancellation: Covers Up to 100% trip cost, Up to $150,000
- Missed connection: $125 per day Up to $500
- Medical evacuation: Up to $1,000,000
- Emergency accident and sickness coverage: Up to $500,000
- Trip Delay: Covers Up to $250 per day Up to $2,500
- Optional Rental car damage: Up to $40,000
Maximum Trip cost
Up to $150,000Maximum age insured
Up to 99 yearsTrip duration
180 days
-
ITravelinsured Travel LX IMG
- Optional Cancel for any reason: Up to 75% of non-refundable insured trip cost
- Optional interruption for any reason: Up to 75% of non-refundable insured trip cost
- Must insure 100% of prepaid trip costs and cancel your trip two days or more before departure.
- These (CFER/IFAR) benefits can only be purchased at the time the base plan is purchased.
- These benefits are bundled together and cannot be purchased separately. Not available to NY residents.
Maximum Trip cost
Up to $150,000Maximum age insured
Up to 99 yearsTrip duration
180 days
Safe Travels Voyager Trawick International
- Optional Cancel for any reason: Up to 75% of insured trip cost
- Optional interruption for any reason: Up to 50% of insured trip cost
- These benefits available If purchased with in 21 days of initial deposit
- Not available in NY or WA
Maximum Trip cost
Up to $100,000Maximum age insured
Up to 99 yearsTrip duration
180 days
Trip Protection Choice Seven Corners
- Optional Cancel for any reason: Up to 75% of non-refundable insured trip cost
- Optional interruption for any reason: Up to 75% of non-refundable insured trip cost
- Pays if you cancel your trip for any reason not otherwise covered, if
- You cancel 2 days or more before departure
- You buy coverage within 20 days of your initial trip deposit, and
- You insure all nonrefundable prepaid trip costs (you must also insure the cost of subsequent travel arrangements added to your trip within 15 days of the payment/deposit for each of those arrangements).
Maximum Trip cost
Up to $100,000Maximum age insured
Up to 99 yearsTrip duration
180 days
-
ITravelinsured Travel LX IMG
- Medical evacuation: Up to $1,000,000 per person
- Repatriation of remains: Up to $1,000,000 per person
- Emergency accident and sickness expense: Up to $500,000 per person
- Pre-existing exlusion waiver: Is covered if purchased within 24 hours of final trip payment.
- Trip duration: Up to 180 days
Maximum Trip cost
Up to $150,000Maximum age insured
Up to 99 yearsCoverage type
Primary
Safe Travels Journey Seven Corners
- Medical evacuation: Up to $500,000 per person
- Repatriation of remains: Up to $500,000 per person
- Emergency accident and sickness expense: Up to $150,000 per person
- Pre-existing exlusion waiver: Included with in 14 days of diposit
- Trip duration: Up to 180 days
Maximum Trip cost
Up to $50,000Maximum age insured
Up to 99 yearsCoverage type
Primary
Travel insurance select Elite Travel Insure
- Medical evacuation: Up to $1,000,000 per person
- Repatriation of remains: Up to $1,000,000 per person
- Emergency accident and sickness expense: Up to $150,000 per person
- Pre-existing exlusion waiver: Is covered if purchased within 21 days of initial trip payment
- Trip duration: Up to 180 days
Maximum Trip cost
Up to $50,000Maximum age insured
Up to 99 yearsCoverage type
Primary
