Where are you going?

We’re here for every traveler and every trip, with coverage that helps you enjoy your LGBTQ+ vacation to the fullest.

How our LGBTQ+ travel insurancecan help you

You deserve to wander with fewer worries, even in a world that doesn’t always embrace your journey. Whatever your LGBTQ+ vacay brings, we’re here to help you keep the good vibes going.

If you’re packing for Pride …

From rainbow flags to travel essentials, we can help if your stuff goes missing so you can keep celebrating your way.

See our baggage benefits

If you want medical coverage …

We value your health — whether it’s a sprained ankle or an unexpected illness. Our plans can help ease the burden of unplanned emergency medical costs.

See our medical benefits

If your dream trip takes a detour …

Life happens, and sometimes your vacation doesn’t. Our trip cancellation benefit can help you recover costs so you can plan your next queer adventure with confidence.

See trip cancellation

If you want 24/7 support …

Whether you need help finding an LGBTQ+-friendly doctor or navigating a safety risk like harassment, our assistance provider can help you.

See our assistance benefit

Here's what you get with our comprehensive plans for LGBTQ+ travelers

Want our most inclusive coverage? Check out our best LGBTQ+ travel insurance plans. They have a wider variety of benefits and customizable options so you can feel more supported every step of the way.

Before you buy: Enjoying a family vacation? Your children can get coverage under your Travelex policy for less with our Ultimate plan’s kids-included pricing. Check it out here.

a couple with LGBTQ+ travel insurance hold hands on a beach, their daughter riding on one of their shoulders

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

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 LGBTQ+ 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 nine optional upgrades like rental car damage and additional medical, you can add coverage that fits your LGBTQ+ travel needs.

Unlock our upgrades

25+ years’ experience

We’ve been leaders in LGBTQ+ travel insurance for decades — and we continue innovating with award-winning technology.

Meet our team

24/7 travel support

Our assistance provider can help you sort out trip challenges — from passport replacement to finding emergency medical care on your equality-filled escape.

See our assistance benefit

Get to know ourcoverage a little bit more

You take pride in your identity; we take pride in our benefits and upgrades. Our plans can go the extra mile for all kinds of travelers on all kinds of trips.

an older couple with LGBTQ+ travel insurance smiles and embraces one another in a seaside setting

Unpack our benefits

Whether it’s a quick getaway or the trip of a lifetime, our benefits can support you through sudden mishaps so you can focus on being your authentic self.

Show me the benefits

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Discover our upgrades

Your vacation is yours to define. Your LGBTQ+ travel insurance is, too. With some Travelex plans, you can customize your policy with up to nine optional upgrades for extra protection.

Take me to the upgrades

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.

Tips and inspiration forLGBTQ+ vacations

See how to make your next trip safe, fun, and unforgettable.

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How can I travel safer as part of the LGBTQ+ community?

Get our guidance on planning a secure trip as a queer adventurer.

See LGBTQ+ travel safety tips

a couple embraces while soaking up lake and mountain views, a viewpoint they read about in a United States travel guide

Want to stay in the U.S. for your next trip?

Explore our United States travel guide for the best time to visit, top destinations, and more.

Get our U.S. travel guide

woman holding a camera and taking a picture of her daughter in a suitcase, helping her overcome her travel anxiety

Feeling nervous about LGBTQ+ travel?

We hope you enjoy every second — and we’re here to help you prepare if you’re uneasy about traveling.

Read our travel anxiety guide

Get more travel tips

Love traveling? Get our newsletter in your inbox.

Want to know more about our LGBTQ+ travel insurance?

Your safety and identity matter. Find out how our coverage is here to support both.

Any trip is worth protecting, because we never know what travel mishaps — and unexpected costs — could come up. From flight cancellations to illnesses and injuries, travel comes with risk.

For the LGBTQ+ community, the risk of something going wrong may be a bit higher. You may be more likely to:

Experience crime
Have legal issues
Have trouble finding healthcare abroad

We want you to feel free to be yourself on vacation. But it might be tricky (and costly) if your vacation plans go awry — from stolen belongings or lost luggage to a missed connection or travel delay.

Our LGBTQ+ travel insurance can be the answer to your travel problems, with reimbursements for eligible:

Necessities like meals and a hotel stay during your eligible travel delay
Urgent medical care for your illness or injury in another country
Emergency medical evacuation if you can’t get the care you need in your destination
Essential replacement items like clothes and toiletries if you have lost or delayed luggage

At Travelex, we’re a team of allies — and some of us are also members of the LGBTQ+ community! Fostering equality, inclusion, and diversity isn’t just a one-time effort — it’s something we prioritize every single day. We’re dedicated to embracing people of all ages, genders, races, and sexual identities because we believe diversity makes us stronger — and travel experiences better!

Why do we celebrate pride all year long? We believe that:

Our incredible customers and award-winning team bring a wealth of perspectives and ideas to the table.
Diversity fuels innovation and helps us build a better business.
Our coverage should cater to every traveler and every trip.

No matter how you identify yourself, we’re proud to welcome you into our Travelex family.

Certain benefits may be extra important for queer adventurers to have in their LGBTQ+ travel insurance policy.

Medical emergencies

Whether it's a sudden illness or an unexpected accident, our LGBTQ+ travel insurance offers emergency medical and evacuation coverage. It can help you get the care you need without added stress.

Plus, our 24/7 medical assistance provider can help you find LGBTQ-friendly healthcare providers nearby and coordinate your emergency medical evacuation. We want you to feel understood and respected while you get the treatment you deserve.

Kids-included pricing

Our Ultimate plan can cover one child per each insured adult at no additional cost. So, if you’re traveling with your spouse, you can include up to two children on your policy. Our LGBTQ+ family travel insurance makes it easier — and less pricey — for you to protect your kids.

You can get Ultimate’s kids-included pricing if:

Your child is 17 years old or younger.
The insured adult is at least 18 years old.
Your child’s individual trip cost is equal to or lower than the insured adult’s individual trip cost.

Good to know: If you include upgrades in your policy, each traveler will need to pay the upgrade cost.

Trip cancellations

Plans can change in the blink of an eye. With trip cancellation coverage, you can cancel your trip for an eligible reason (like illness or injury) and get up to 100% of your insured trip cost back. You can get this benefit on our Ultimate, Advantage, or Essential plan.

Want to be able to cancel your trip no matter what happens? Maybe you don’t want to miss the local Pride parade or want to change your trip to a more LGBTQ+-friendly destination. Our cancel for any reason* upgrade can help you get back some of your insured trip cost.

Lost, stolen, damaged, or delayed luggage

You never know if your luggage will decide to go on its own adventure. Our baggage benefits keep you from feeling stranded without your important items. It can reimburse you for the cost of your eligible replacement belongings to help you get back on track without worrying about your wallet.

* Cancel for any fortuitous reason for residents of NY.

Yes, you and your partner can share one Travelex policy whether you’re married or not!

We don’t treat you differently; all our travelers are part of our Travelex family. So, you can add any adult living in your household to your policy — up to 10 people!

There are lots of ways we can offer you coverage if something happens to your family member and affects your trip. Here are just a few:

Trip cancellation
1. Your family member gets sick, injured, or passes away
2. Your family member is hosting you during your trip and no longer can because of their life-threatening illness or injury or passing away
Trip interruption
1. Something happens to a family member while you’re already traveling (illness, injury, or death) and you need to cut your trip short

You’ll see “Family Member” frequently in your Travelex policy (description of coverage). At Travelex, family is family — no matter your identity. Here’s what we consider to be a family member when it comes to travel insurance:

Spouse, ex-spouse, domestic partner, fiancé, fiancé’s child
Child, spouse’s child, foster child, ward
Parent(s), step-parent(s), parent(s)-in-law
Sibling(s), step-sibling(s), sibling(s)-in-law
Grandparent(s), grandchild
Uncle, aunt, niece, nephew
Guardian, caregiver

Yes, regardless of your family style! You can include one kid per each insured adult on your policy for less with our Ultimate plan’s kids-included pricing. You can get this benefit if the following apply:

Your child is aged 17 or younger.
The insured adult is 18 or older.
Your child’s personal trip cost is the same as or under the insured adult’s trip cost.

Keep in mind: Any upgrades you add to your policy will apply an additional premium for each traveler, including kids.

Each traveler and trip are unique, so only you know what coverage is right for you. At Travelex, our best LGBTQ+ travel insurance plan is Ultimate.

Ultimate has our most inclusive coverage. It offers benefits our other plans don’t, like:

Kids-included pricing (great for queer parents)
Trip inconvenience (helpful on beach and golf trips)
Waiver of the pre-existing medical condition exclusion* (important if you have a chronic illness)

Plus, you can add any of our nine optional upgrades to our Ultimate plan. It’s our only plan eligible for cancel for any reason and cancel for any business reason — making it our most flexible option.

If things move from “uncomfortable” to unsafe — harassment, threats, or injuries — your Travelex coverage is here and can help financially and logistically.

Have an eligible medical emergency? We can reimburse your medical expenses and, if a doctor says it’s necessary, emergency medical evacuation to a facility that’s better equipped to treat you.

Need to cut your trip short for an eligible reason like your illness or injury? Our trip interruption benefit can help reimburse unused prepaid and nonrefundable costs.

You’re also not left to figure everything out alone. With included 24/7 travel assistance, you can call and get help. Our provider can support you with:

Finding local medical providers
Crime and contact info for local authorities
Coordinating your emergency medical evacuation
Understanding your options when you’re feeling shaken

While we can’t change local laws or attitudes, we can help ensure you have coverage and an emergency team to support you when you have to make fast decisions under pressure.

Our emergency medical coverage can only help with non-elective, urgent, and medically necessary treatment. So, we can’t offer coverage for gender-affirming care.

If you’re transitioning, our emergency medical benefit can help if:

You have an unexpected and urgent medical complication related to your transition.
You lose or run out of your prescription medications (like hormones) for your transition. Our 24/7 assistance provider can help you replace your medications on vacation so you’re not left without them.
You need an emergency medical evacuation to a more suitable facility. Our assistance provider can arrange and monitor your care.

Remember, if you have planned or chosen medical treatments that aren’t urgent or life-threatening, we can’t cover them. Get more details on our emergency medical coverage page.

Our pregnancy coverage doesn’t change if you’re queer! So, we can help you if you have a pregnancy complication that’s separate from and worsened by your pregnancy (like acute nephritis or cardiac decompensation).

We don’t cover routine prenatal care (check-ups or exams) or challenging pregnancy-related conditions like:

Morning sickness
False labor
Hyperemesis gravidarum
Preeclampsia

Want to know more? Visit our pregnancy travel insurance page.

Many queer couples choose to do IVF, IUI, or another fertility option outside of the U.S. where treatment may be less expensive. At Travelex, we don’t cover any planned medical care like fertility treatments — only unexpected emergencies.

You can get access to safety alerts and LGBTQ+-specific guidance in our Travel On app. These features are available to anyone with a Travelex policy.

Just search your trip destination in our app to find LGBTQ+ travel information for that location.

Name and gender marker mismatches between your passport, tickets, and insurance documents can be complicated, but with a little prep, they’re usually manageable.

Ideally, your legal travel documents, airline ticket, and insurance policy all show the same legal name and gender marker — even if they don’t fully reflect your identity yet. Keeping things consistent can help avoid questions at borders, hospitals, or when filing a Travelex claim.

If you’re in the process of changing your name or gender marker, reach out to us before buying your policy. We want to address you respectfully while keeping everything aligned with your IDs. Plus, we can tell you how we handle information updates and offer recommendations.

It’s also a good idea to carry copies of any legal change documents and a simple letter from your doctor or attorney, especially if you’re traveling to places less familiar with trans or non-binary identities.

If you have questions about Travelex claims, you can call 1-800-501-4781 for support.

See our FAQ hub

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Lean on LGBTQ+ travel insurance for safer trips with pride