Enter your trip destination. If you’re traveling to multiple destinations, select the country where you’ll be spending the most time.
Important: We’re unable to provide coverage for any OFAC-sanctioned country. Please check the OFAC website and our travel alerts page for information on affected countries.
Going to Cuba? You’ll need our preapproval to get travel insurance coverage for a trip to Cuba. Please call our customer service team at 1-800-228-9792 to speak with us about your trip to Cuba.
Travel your way with protection that matches your unique adventure.
You’re ready to enjoy your trip. Our travel protection plans are ready to help make that happen! If your vacation takes a detour — whether it’s a missed flight or sudden illness — you can lean on our coverage to help you get back on track.
If you like having coverage options …
It’s easier to find the best travel insurance plan for your trip with our six plans and up to nine upgrades.
Here's what you get with ourcomprehensive travel insurance plans
Want protection for a wider range of travel mishaps? Our Ultimate, Advantage, and Essential plans are packed with benefits designed for every type of trip and traveler. Compare them below to find the best travel insurance plan for your trip.
Before you buy: Planning a vacation close to home? You can only use our coverage for trips at least 100 miles from your home. Be sure to check the distance you’re traveling before you get a quote!
Ultimate
For travelers who want maximum protection.
Up to $50,000 trip cancellation
Up to $75,000 trip interruption
Up to $2,000 travel delay
Up to $250,000 emergency medical*
Up to $1,000,000 emergency evacuation and repatriation
Advantage
For travelers who want a step up from basic coverage.
Up to $10,000 trip cancellation
Up to $12,500 trip interruption
Up to $1,000 travel delay
Up to $50,000 emergency medical
Up to $250,000 emergency evacuation and repatriation
Essential
For travelers who want reliable coverage at a lower cost.
Up to $10,000 trip cancellation
Up to $10,000 trip interruption
Up to $600 travel delay
Up to $25,000 emergency medical
Up to $200,000 emergency evacuation and repatriation
Our plan benefits and coverage details
Ultimate
Advantage
Essential
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 ($50,000 maximum)
100% of trip cost ($10,000 maximum)
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.
150% of trip cost ($75,000 maximum)
$125% of trip cost ($12,500 maximum)
100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)
$1,000 ($250 per day maximum)
$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)
$1,000 ($500 per item limit)
$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
$200
$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.
$750
$500
$150
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
$600
Not included
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.
$1,000,000
$250,000
$200,000
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.
$250,000
*$50,000 for NH residents
$50,000
$25,000
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
$500
$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
Not included
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.
90 days
Does not apply to NH residents
120 days
Does not apply to NH residents
180 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
Included
Not included (secondary coverage)
Included for CT residents
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.
$25,000
$20,000
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000
$20,000
$10,000
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
Included
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.
Yes
No
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 180 days
Up to 30 days
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.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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
21 days
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)
Included, but limited to eligible activities (optional upgrade available for additional activities)
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.
Available (75% of insured trip cost up to $7,500)
Not available
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)
Available ($50,000 with a $100 deductible)
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.
Available (additional $250,000)
Not available to NH residents
Not available
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
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
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
Available ($200,000, $500,000, or $1,000,000)
Not 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
Available
Pet care: $250
Pet veterinarian expense: $2,500
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)
Available ($2,000)
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.
Available (100% of insured trip cost up to $10,000)
Not available
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 $3,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
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
Available (additional $4,250)
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
Ultimate
Advantage
Essential
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 ($50,000 maximum)
100% of trip cost ($10,000 maximum)
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.
150% of trip cost ($75,000 maximum)
$125% of trip cost ($12,500 maximum)
100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)
$1,000 ($250 per day maximum)
$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)
$1,000 ($500 per item limit)
$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
$200
$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.
$750
$500
$150
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
$600
Not included
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.
$1,000,000
$250,000
$200,000
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.
$250,000
*$50,000 for NH residents
$50,000
$25,000
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
$500
$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
Not included
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.
90 days
Does not apply to NH residents
120 days
Does not apply to NH residents
180 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
Included
Not included (secondary coverage)
Included for CT residents
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.
$25,000
$20,000
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000
$20,000
$10,000
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
Included
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.
Yes
No
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 180 days
Up to 30 days
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.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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
21 days
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)
Included, but limited to eligible activities (optional upgrade available for additional activities)
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.
Available (75% of insured trip cost up to $7,500)
Not available
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)
Available ($50,000 with a $100 deductible)
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.
Available (additional $250,000)
Not available to NH residents
Not available
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
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
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
Available ($200,000, $500,000, or $1,000,000)
Not 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
Available
Pet care: $250
Pet veterinarian expense: $2,500
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)
Available ($2,000)
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.
Available (100% of insured trip cost up to $10,000)
Not available
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 $3,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
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
Available (additional $4,250)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Here's what you get with ouron-trip travel insurance plan
Less concerned about trip cancellation and more about what happens once you leave home? Our Travel Med Go plan might pack the coverage you’re looking for — it kicks in when your trip starts. Explore the benefits below.
Our post-departure plan with helpful on-trip coverage.
Trip cancellation
Up to $50,000 emergency medical
Additional $250,000 emergency medical upgrade available
Up to $250,000 emergency evacuation and repatriation
Up to $1,000 baggage and personal effects
Our plan benefits and coverage details
Travel Med Go
Trip interruption and delay
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.
$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$500 ($200 daily limit)
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.
$300
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.
$500
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, MS, 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, VA, and WA have a $50 deductible.
$500
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.
180 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.
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$10,000
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
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 60 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 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 $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.
Available (additional $250,000 for emergency medical expense only)
Not available to NH residents
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 (provides coverage for certain additional activities not included in the base plan)
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
Limit options: $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)
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
Travel Med Go
Trip interruption and delay
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.
$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$500 ($200 daily limit)
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.
$300
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.
$500
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, MS, 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, VA, and WA have a $50 deductible.
$500
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.
180 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.
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$10,000
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
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 60 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 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 $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.
Available (additional $250,000 for emergency medical expense only)
Not available to NH residents
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 (provides coverage for certain additional activities not included in the base plan)
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
Limit options: $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)
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
Here's what you get with ourflight travel insurance plans
Want coverage for in-air accidents? It’s the main benefit on our flight plans — with Flight Insure Plus including additional perks for the rest of your trip. Compare our travel insurance plans for flights below.
Our plan with extra coverage during your flight and throughout your trip.
Up to $1 million accidental death for air travel
Up to $10,000 emergency medical and dental
Up to $100,000 emergency evacuation and repatriation
Up to $1,000 baggage and personal effects
Up to $50 missed connection
Flight Insure
Our plan with simple coverage during your flight.
Up to $1 million accidental death for air travel
Emergency medical
Emergency evacuation and repatriation
Baggage and personal effects
Missed connection
Our plan benefits and coverage details
Flight Insure Plus
Flight Insure
Accidental death
Benefit for loss of life as a result of 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 $1 million
Up to $1 million
Medical and dental
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and 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.
$10,000
Not included
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.
$100,000
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.
180 days
Does not apply to NH residents
Not applicable
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
Included
Travel inconvenience
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($250 per item limit)
Not included
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Not included
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.
$50
Not included
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
Included
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 180 days
Up to 180 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.
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
21 days
Our plan benefits and coverage details
Flight Insure Plus
Flight Insure
Accidental death
Benefit for loss of life as a result of 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 $1 million
Up to $1 million
Medical and dental
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and 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.
$10,000
Not included
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.
$100,000
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.
180 days
Does not apply to NH residents
Not applicable
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
Included
Travel inconvenience
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($250 per item limit)
Not included
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Not included
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.
$50
Not included
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
Included
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 180 days
Up to 180 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.
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
21 days
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 our travel insurance plans?
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 nine optional upgrades like cancel for any reason and rental car damage, you can add coverage that fits your travel needs.
Our variety of benefits and upgrades makes it easier to find the best travel insurance plan for your vacation.
Unpack our benefits
Whether you’re an experienced globetrotter or new adventurer, travel issues like delays and injuries can derail any trip. You can count on our benefits to help you keep moving forward.
Travel isn’t one-size-fits-all — and your trip protection shouldn’t be, either. Make your coverage your own with up to nine optional upgrades, from rental car damage to adventure activities.
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.
Helpful things to knowbefore you get a quote
Want a better understanding of our coverage? Explore our guides below.
Want to know more about our
travel insurance plans?
Take a closer look and see how our coverage and care can aid your adventure.
Choosing the best travel insurance plan for your vacation is all about your travel style and needs. Whether you’re a beach lounger or a mountain climber, you can build a policy that fits your vibe.
When you get a Travelex quote and compare your plan options, here are some useful things to think about before immediately opting for the cheapest option:
What activities will you be doing on your trip? Are they covered by our base plans or do you need to include our adventure activities upgrade?
Are you traveling with kids? If so, do you want access to our kids-included pricing that’s available with our Ultimate plan?
What benefits and benefit limits will help you most if something goes wrong?
Pick the plan that checks the most boxes for your trip. Be sure to check which optional upgrades that plan offers, too. If you’re renting a car, taking tech items, or traveling with pets, you may want to choose a travel protection plan that offers relevant upgrades so you have the right protection for your vacation.
No, we offer single trip policies only. However, buying a policy for each trip can help you tailor each one to each trip.
If you’re a frequent traveler, you might want to compare our travel insurance plans before each trip to find which ones allow you to customize your coverage with the optional upgrades you need for that trip. Our Ultimate plan gives you access to all nine of our upgrades, but you’ll get useful ones with our Advantage, Essential, and Travel Med Go plans, too.
Want an inexpensive travel insurance option for frequent travel? Our Essential plan offers a variety of benefits like trip cancellation and emergency medical coverage, but often at a lower cost than our Ultimate and Advantage plans.
The “best” travel insurance plan depends on your trip and what kind of traveler you are.
If you’re planning a big adventure or want our most comprehensive travel insurance, our Ultimate plan is a standout choice. It offers:
Our highest limits for benefits like emergency medical and evacuation, trip interruption, and trip cancellation
But you can always get a quote to compare our travel insurance plans and see which one is right for you and your trip. They’re free — and you can get one online at any time.
Yes, you can. If you want to include upgrades in your policy, you can choose one of these plans:
Ultimate (nine upgrades available)
Advantage (six upgrades available)
Essential (six upgrades available)
Travel Med Go (seven upgrades available)
Here’s a list of the upgrades we offer and which plans you can pair them with:
We have five plans with emergency medical coverage to help you handle unexpected illnesses and injuries:
Ultimate
Advantage
Essential
Travel Med Go
Flight Insure Plus
How can our plans help when you need it most? Here are a few examples:
Doctor appointments for a sudden medical issue
Hospital stays
Ambulance services
Prescription medications
Emergency medical evacuation
24/7 assistance services to help arrange and monitor your treatment
The level of medical benefits varies depending on the plan you choose, so it’s worth taking a closer look at the details. If you’re looking for extra medical coverage, you can add our additional medical upgrade to our Ultimate or Travel Med Go plan.
Travel insurance doesn’t have to break the bank, and we have options to fit a variety of budgets.
… but the plan you choose can also impact the cost.
If you’re looking to keep costs low, our Essential plan may be a good choice, offering key benefits without the higher price tag.
Affordable travel insurance is all about finding the right balance between what level of coverage you want and what you’re comfortable spending, so you can focus on making the most of your trip.
When you’re ready to see your pricing, getting a quote is quick and simple — just enter your destination in the quote box at the top of this page to get started.
Head to the top of this page and put your vacation destination in the quote box to start your quote. After entering a few trip and traveler details, we’ll show you your plan options. You’ll see what’s included and what’s not for each plan side-by-side, making it easier to choose what works best for your trip.
You can include up to 10 travelers to your Travelex policy, but they must live in your home full-time for coverage to apply.
Want to include coverage for your kids? Check out our Ultimate plan’s kid-friendly pricing. It offers coverage for one child aged 17 or under per each insured adult if you meet the requirements, so you can spend less to protect your family.