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Our basic travel insurance goes beyond the essentials with useful benefits and upgrades to tailor your coverage to your trip.

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How our affordable travel insurance can help you

If your trip has twists and turns, our Advantage plan is like your compass — it helps you navigate your way through unexpected setbacks. From trip cancellation to emergency medical expenses, traveling with us means you’ll have the tools to help keep your journey on track.

If you want trip cancellation coverage …

Our basic travel insurance offers 100% reimbursement of your trip cost up to $10,000.

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If you want primary medical coverage without overspending …

Our Advantage plan might be our best affordable travel insurance for your vacation.

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If you want customizable coverage …

You can choose from up to six upgrades with our Advantage plan.

Unlock our upgrades

If you want round-the-clock support …

Our affordable travel insurance includes 24/7 assistance while you’re away.

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Here's what you get with Advantage:

our affordable travel insurance

Looking for reliable protection at a great price? You can feel confident and comfortable traveling with our Advantage plan. It offers a variety of useful benefits and customizable options to help you match your coverage to your trip. Check out our more-than-basic travel insurance below.

Before you buy: Want pre-existing medical condition coverage, kids-included pricing, or access to our cancel for any reason upgrade? We only offer these on our top-tier Ultimate plan.

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Benefit	Benefit Limit
Trip cancellation	Up to 100% of trip cost ($10,000 maximum)
Trip interruption	Up to 125% of trip cost ($12,500 maximum)
Travel delay	Up to $1,000 ($250 per day maximum)
Emergency medical*	Up to $50,000
Baggage and personal belongings	Up to $1,000 ($500 per item limit)

Our plan benefits and coverage details	Advantage
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	$125% of trip cost ($12,500 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$1,000 ($250 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$500
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	120 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$20,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$20,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Advantage
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
$125% of trip cost ($12,500 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$1,000 ($250 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$500
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum
Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
120 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$20,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$20,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

Why vacation with ouraffordable travel insurance?

You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.

Personalize your policy

With up to six optional upgrades like adventure activities and rental car damage, Advantage lets you add coverage that fits your travel needs.

Unlock our upgrades

25+ years’ experience

We’ve been helping our travelers have safer trips for decades — and we continue innovating with award-winning technology.

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24/7 travel support

Our assistance provider is here for you whenever and wherever you need help — from travel document replacement to finding emergency medical care on vacation.

See our assistance benefit

Get to know our coverage a little bit more

You can count on our versatile benefits and upgrades to help support your unique journey — whether you’re looking for the best affordable travel insurance or something more.

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Unpack our benefits

Ready to take on whatever your travels may bring? Our benefits can be by your side if something goes wrong — from emergency medical expenses to travel delays — so you can enjoy your trip to the fullest.

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Discover our upgrades

Your trip protection, your way. Pair our Advantage plan with optional upgrades like rental car coverage or adventure activities to match your vacation needs.

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Pack our Travel On app

Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

Useful things to knowabout our travel insurance

Read our guides before you buy our affordable travel insurance to help you feel extra prepared.

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Need to calculate your trip cost?

Here’s our easy-to-follow guide to help you figure out what to include and what you can leave out.

Find out your trip cost

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Is this your new favorite travel app?

Our Travel On app offers more than just your coverage details; it can send you real-time safety alerts and teach you about your destination.

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How much does travel insurance cost?

Before you get a quote, uncover the seven factors that could impact the price you’ll pay for a policy.

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Want to know more about our affordable travel insurance?

Discover how our Advantage plan can help you keep moving forward if your plans change.

Unexpected issues can happen anytime while you’re traveling, and basic international travel insurance can help protect you from additional costs. Whether it’s canceled flights, illnesses, or lost luggage, if something goes wrong on vacation, you could lose your prepaid, nonrefundable expenses if you don’t have coverage.

When you protect your trip with us, you can get financial help with many common travel issues, like trip cancellation, emergency medical care, and lost personal belongings. Our comprehensive-but-affordable travel insurance plan, Advantage, offers more than basic coverage. It gives you access to six optional upgrades, 24/7 travel assistance, and a range of helpful benefits that can support you when you need it most.

We give you lots of options to make it easier to match your coverage to your vacation needs. The right plan and upgrades for your trip depends on factors like your destination, planned activities, trip length, and trip cost.

Let’s dig into your travel needs more to help you decide on your coverage:

Are you worried about trip cancellations, travel delays, or lost luggage? Our Advantage plan has benefits tailored for these situations.
Planning an adventure far from home? Look for emergency medical and evacuation coverage, which Advantage’s basic international travel insurance offers.
Renting a car, traveling with expensive gear, or have specific adventure activities planned? Check out optional upgrades to enhance your protection.

Don’t forget to compare the plan’s benefit and limits to your trip cost and priorities to ensure it aligns with your travel style. Our Advantage plan is designed to be flexible and comprehensive, making it a great choice for a variety of trips!

Our Advantage plan may be our more affordable travel insurance option over our most comprehensive Ultimate plan, but it can still cover you for a variety of costs that come with unexpected vacation obstacles. From coverage for pre-trip cancellations and on-trip interruptions to medical emergencies and accidental death, our basic travel insurance is anything but basic.

Here are some ways our Advantage plan can help take some pressure off of travel trip-ups:

If you get hurt or sick during your trip, you can have up to $50,000 emergency medical and $500 emergency dental coverage.
If you need an emergency evacuation, Advantage offers up to $250,000 in coverage.
You can reach our expert travel assistance provider 24/7 for help with coordinating medical care and more. Because when you travel with us, help is always by your side.

What does basic travel insurance cover besides unexpected medical costs? Whether it’s flight disruptions or lost luggage, our Advantage plan gives you much more than cheap, basic travel insurance.

Our Advantage plan offers up to:

$10,000 trip cancellation coverage
$12,500 trip interruption coverage
$1,000 baggage and personal effects coverage

... plus much more.

Want to add extra coverage to your basic travel insurance plan? You can include up to six optional upgrades with our Advantage plan. Keep scrolling to learn more about our upgrades below.

If you want to customize your basic travel insurance so it matches your adventure, you can add any of these six upgrades to our Advantage plan:

Rental car damage
Adventure activities
Accidental death for air travel
Pet care
Rental property security deposit
Additional baggage

Yes! Our Essential plan can offer cheap, basic travel insurance at a lower rate than our Advantage plan. It packs comprehensive benefits with lower reimbursement limits, so you can feel good about your coverage and your travel insurance cost.

Yes! Our basic travel insurance plan offers great coverage for cruise vacations.

Whether you cut your foot on the ship’s pool deck or severe weather cancels your cruise, our Advantage plan is built to withstand travel challenges at sea, in air, and on land.

Need another reason to pack this plan on your cruise? You’ll get 24/7 access to our travel assistance provider and our helpful Travel On app every step — or wave — of the way.

If you want to make the most of your benefits, we recommend getting coverage as soon as you pay for any part of your trip. (For example, your hotel or a tour).

Why? If you buy basic international travel insurance with trip cancellation coverage like our Advantage plan offers, you’ll have access to benefits before you’ve even left home.

From getting the flu before you go to a hurricane hitting your destination, if it happens before you buy your policy, you won’t have coverage for it. So, try to get coverage like our Advantage plan once you book the first element of your vacation.

It’s quick and easy to find out how much a policy costs — just get a quote. It’s easy to get a Travelex quote and it won’t take long! Tap the quote button or scroll to the top of this page and enter your trip destination to get started.

Think you’ll need a plan that offers more-than-basic travel insurance? Check out our most comprehensive plan, Ultimate, when you get your quote.

See our FAQ hub

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Get more affordable travel insurance with our Advantage plan