Travel insurance for New York vacations

It’s a smart move! Guided tours might include assistance, but they can’t always offer financial coverage for situations like flight cancellations, medical emergencies, or misplaced bags.

Adding New York travel insurance offers an extra layer of protection if something doesn’t go according to plan — even if you’re surrounded by tour coordinators. It’s especially handy to have in a bustling city like New York, where being prepared could help reimburse you for eligible unexpected expenses.

Definitely! Whether you’re renting a car to cruise down the Palisades Parkway or explore the Finger Lakes, our rental car damage upgrade should be part of your road-trip toolkit.

From fender benders around city traffic to an unexpected break-in while parked Upstate, our rental coverage can reimburse you for eligible repair bills — so you have extra confidence and fewer worries while driving New York roads.

Important: Our rental car damage upgrade only offers coverage for standard rental cars, so you won’t have coverage if you rent a moped, scooter, or another type of vehicle.

Absolutely! Whether it’s a dinner cruise around Manhattan or a luxurious cruise docking in the Hamptons, our cruise travel insurance offers coverage for itinerary changes, cancellations, missed cruise connections, and more.

Pick the plan that best matches your cruise needs, and don’t miss out on breathtaking water views of the New York City skyline!

Yes! If outdoor thrills are on your agenda — from hiking the Shawangunk Ridge to rowing in Central Park — our base plans offer coverage for specific adventures.

Want to get more daring with adrenaline-pumping activities like paragliding or skydiving? Upgrade your New York travel insurance plan with our adventure activities upgrade for coverage that’s tailored to your daring side.

Yes. Our Ultimate, Advantage, and Essential plans have trip cancellation coverage, which can reimburse qualifying costs for specific eligible reasons like sudden illness or natural disasters.

If you want more flexibility (just in case you change your mind altogether), our cancel for any reason* upgrade is available with our Ultimate plan. It lets you back out of your trip for any reason up to two days before departure and be eligible to get up to 75% of your trip expenses reimbursed.

Important: Make sure you buy our upgrade with the Ultimate plan within 21 days of your initial trip expense and 31 days or more before you’re scheduled to start your trip. You also must include your total prepaid and nonrefundable trip cost in your policy up to a maximum limit of $10,000 per person.

_{*Cancel for any fortuitous reason in NY.}

Yes, whether you plan a quick detour to New Jersey or another U.S. state, Canada for sightseeing, or Europe to explore historic landmarks, we can offer coverage as long as you’re not visiting an OFAC-sanctioned country or one of our blocked destinations.

When starting your travel insurance quote, the destination you choose should be the location where you’ll spend the majority of your time. For instance, if you’re staying in New York for a week and making a two-day trip to the Bahamas before heading back, you should list New York as your primary destination.

It’s easy to find out with a quick online quote! Tap or click the orange “Get quote” button below.