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✈️ US Travel Insurance — Travel Worry-Free, Anywhere in the World

Compare trip cancellation, medical evacuation, baggage loss and annual travel insurance from top US carriers. Free, unbiased quotes in minutes.

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$6,200
Avg emergency medical bill abroad
$50K+
Avg medical evacuation cost
4–10%
Typical cost of trip value
1 in 6
Travelers file a claim annually
Coverage Types

Types of US Travel Insurance

Choose the right coverage based on your destination, trip cost and travel frequency.

Most Popular

Trip Cancellation

Reimbursed if your trip is cancelled for a covered reason — illness, death, severe weather, job loss.

  • Pre-paid, non-refundable costs
  • Covered reasons: illness, weather
  • Usually 100% of trip cost covered
  • Most important for expensive trips
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Emergency

Travel Medical Insurance

Covers emergency medical expenses abroad — your US health insurance often has zero international coverage.

  • Emergency hospital & doctor bills
  • Prescription medications abroad
  • Dental emergency coverage
  • 24/7 emergency assistance
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Critical

Medical Evacuation

Pays to transport you to the nearest adequate medical facility or back to the US — can cost $50K–$250K without coverage.

  • Emergency evacuation costs
  • Repatriation of remains
  • Often bundled with travel medical
  • Critical for remote destinations
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Flexibility

Cancel For Any Reason (CFAR)

Upgrade that lets you cancel for any reason and get 50–75% back — maximum flexibility.

  • Cancel for literally any reason
  • Reimburses 50–75% of trip cost
  • Buy within 14–21 days of deposit
  • Best for uncertain travel plans
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Frequent Flyers

Annual Multi-Trip Plans

One policy covers all your trips in a year — cost-effective for 2+ international trips annually.

  • Unlimited trips in 12 months
  • Per-trip deductibles apply
  • Medical and cancellation bundled
  • Usually $200–$500/year
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Specialty

Cruise Insurance

Designed for cruisers — covers missed ports, ship mechanical failure and emergency medical at sea.

  • Missed port coverage
  • Cabin confinement benefit
  • Sea evacuation coverage
  • Cancel for any reason upgrade
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🧮 Travel Insurance Cost Calculator

Estimate your travel insurance premium based on your trip details and destination.

📊 Your Estimated Travel Insurance Cost

Estimated Premium
% of Trip Cost
Medical Coverage

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What’s Covered

What Does Travel Insurance Cover?

A comprehensive travel insurance policy protects you across 6 major areas.

✈️ Trip Cancellation & Interruption

Reimburses non-refundable costs if your trip is cancelled or cut short — covered reasons include illness, death, severe weather and more.

🏥 Emergency Medical Expenses

Pays your overseas hospital bills, doctor visits, surgery and prescriptions. Most US health plans provide zero or very limited international coverage.

🚁 Medical Evacuation & Repatriation

Covers emergency transport to the nearest adequate facility or back to the US. Without coverage, a single evacuation can exceed $200,000.

🧳 Baggage Loss & Delay

Reimburses you for lost, stolen or damaged luggage. Baggage delay coverage pays for essential items if bags are delayed 6+ hours.

⏰ Travel Delay

Pays for meals, hotel and essentials when your trip is delayed 6+ hours due to mechanical failure, weather or strikes.

🏠 Missed Connection

Covers additional transportation and accommodation if you miss a cruise departure or connecting flight due to a covered delay.

What’s NOT Covered

Common Travel Insurance Exclusions

Not CoveredNotes
Pre-existing conditions (usually)Buy a policy with waiver within 14–21 days of first deposit
Pandemic / COVID cancellationsCFAR upgrade covers this; standard policies vary
Fear of travel / change of mindCFAR upgrade required for this coverage
Extreme sports injuriesAdventure sports rider needed
Alcohol/drug incidentsClaims denied if intoxication contributed
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FAQs

Travel Insurance FAQs

Answers to the most common questions from US travelers.

Does my health insurance cover me internationally? +
Most US employer-sponsored health plans have very limited or zero international coverage. Medicare does not cover care outside the US. For any international trip, dedicated travel medical insurance is strongly recommended.
When should I buy travel insurance? +
As early as possible — ideally within 14–21 days of your first trip deposit. Buying early activates pre-existing condition waivers and time-sensitive upgrades like CFAR.
What is Cancel For Any Reason (CFAR) and is it worth it? +
CFAR is an upgrade (usually adds 40–50% to your premium) that lets you cancel for literally any reason and receive 50–75% reimbursement. Must be purchased within 14–21 days of your initial deposit.
Does travel insurance cover COVID-19? +
Many policies now cover COVID-19 as a covered illness if you test positive before departure. However, fear of COVID or destination advisories typically are not covered — CFAR upgrade covers those scenarios.
Is an annual multi-trip policy worth it? +
If you take 2 or more international trips per year, an annual multi-trip policy typically saves money vs. buying per-trip coverage each time. They usually range from $200–$500/year.

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