Where are you going?

International travel insurance can help keep you — and your finances — safe on your next global adventure.

How our comprehensive international travel insurance can benefit you

Wherever you vacation abroad, you never know what good (or bad!) experiences could be around the corner. Our travel insurance for international trips can help shield your finances if something does go wrong and leaves you with unexpected costs.

If you like having options …

We have six plans and up to nine upgrades available for you to choose from.

Check out our plans

If you want access to emergency support …

Our assistance provider is here to care for you 24 hours a day, seven days a week.

Get help anytime

If you want coverage for medical expenses …

Our emergency medical and dental benefit can help.

See medical benefits

If you want award-winning service …

You can count on our friendly customer service team to support you.

Meet our team

Here's what you get with our comprehensive international travel insurance plans

Looking for our best international travel insurance for your trip? You’ll find our most comprehensive plans below. Check out the tables to see what’s eligible for coverage, what’s not, and the benefit limits for our comprehensive plans.

Before you buy: We offer coverage for most international destinations, but some areas with higher safety risks are excluded. Visit our blocked destinations page to check if your intended destination is eligible for our coverage.

a man and woman with international travel insurance share a kayak and paddle through a mangrove with palm fronds

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 international 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 a variety of plans and nine optional upgrades, we have something for every traveler and every trip.

Unlock our upgrades

25+ years’ experience

We’re not new at protecting you and your vacations — we’ve been doing it for decades.

Meet our team

24/7 travel support

Get emergency and non-urgent assistance whenever — and wherever — you need it.

See our assistance benefit

Get to know ourcoverage a little bit more

Our various benefits and upgrades can help you match your policy to your international vacation plans.

a young couple with international travel insurance embraces during a waterfront stroll in a Mediterranean setting

Unpack our benefits

Looking for international travel insurance benefits that help you explore with extra confidence? From emergency medical expenses to trip cancellation, check out what comes with our plans.

Show me the benefits

a middle-aged woman with international travel insurance stands on a rooftop terrace to take in views of Palermo, Italy

Discover our upgrades

Want to protect your international trip — your way — with extra coverage? We have up to nine upgrades available to help you customize your policy to suit your getaway outside the U.S.

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.

Tip and trip ideas forvacations overseas

Want to travel smarter? Read these before you take off to another country.

Couple using a laptop in their kitchen to calculate trip cost for their travel insurance policy

Need to calculate your trip cost?

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

Find out your trip cost

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Is this your new favorite travel app?

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

Get our travel app

young woman at home holding a credit card while using her laptop to buy travel insurance plans

How much does travel insurance cost?

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

Understand coverage costs

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Want to know more about our international travel insurance?

Learn about our coverage and how we can help care for you.

International travel is any trip that takes you to a destination outside the United States. This could mean traveling to the Bahamas via cruise ship, taking a flight overseas to Europe, or even crossing over the border to Mexico.

International trips may not always be long visits — our country’s location means we can have both short and long vacations abroad. So, whether you plan to go to Canada for a long weekend or Italy for a month, our Travelex plans can have your back.

Traveling outside the United States is common and easy for many Americans. But remember, travel mishaps can happen — especially in another country with a different culture and language.

From minor setbacks to major emergencies, we can help if you have unplanned costs. Between flight tickets, hotel fees, and tour bookings, the cost of an international trip can quickly add up. Thankfully, our international travel insurance coverage can provide protection against costly incidents including:

Trip cancellation, interruption, and delay
Lost, stolen, damaged, or delayed baggage and personal belongings
Emergency medical expenses
Emergency evacuation
Accidental death and dismemberment

With our travel assistance team’s support and coverage for your trip abroad, you can travel internationally with extra confidence.

We recommend buying one of our Travelex plans as soon as you book any part of your international trip. When you do, you can make the most of your trip cancellation coverage if you need to cancel your trip for a covered reason.

If you buy our Ultimate plan soon after you start paying for your vacation, you’ll also qualify for extra benefits. For example, when you buy the Ultimate plan within 21 days of your first trip payment (and insure your full trip cost), you’ll be eligible for coverage for your pre-existing medical conditions. This means you can travel with less worry knowing we can help support you if your existing conditions act up while you’re away.

Interested in international travel insurance for seniors or last-minute travel insurance? Check out our Travel Med Go plan. You can buy it up to the day of departure before your trip starts.

Do you need travel insurance for international flights more than other forms of coverage? Check out our flight travel insurance plans.

Want to learn more about our international travel insurance plans? Read the policy wording on our plan options page when you complete a quote.

With our international trip insurance, we can reimburse you for certain unexpected mishaps that happen before and during your vacation.

Here are some benefits our plans offer:

Trip cancellation

Prefer booking your vacation plans months in advance? If something changes and you need to call off your trip, our travel insurance for international trips can reimburse you for your prepaid nonrefundable trip costs if you can’t go on your trip for a covered reason (like illness or injury).

Want more freedom when it comes to trip cancellation? Check out our cancel for any reason upgrade, which you can add to our Ultimate plan.

24/7 travel assistance

If you have a problem abroad, our expert travel assistance provider is here for you anytime. The team can help with things like coordinating your medical care, medical evacuations, prescription assistance, and translation services.

They can also help if you need an emergency cash transfer, travel document replacement, and more.

While your policy can’t prevent things from going wrong, our 24/7 travel assistance can make navigating these situations much smoother.

To get help, call us or tap the assistance button in our Travel On app.

Emergency medical expenses

Wondering, “Does my health insurance cover international travel?” Medical care can be costly in other countries, and your U.S. health insurance likely won’t cover you overseas. If you get sick or hurt on vacation and need medical or dental care, we may reimburse your costs.

Trip interruption

If you’re delayed reaching your destination or need to leave your trip unexpectedly because of a sudden illness, injury, or another covered reason, we can reimburse you for certain expenses and lost insured trip costs.

Our Ultimate plan offers our most comprehensive protection for your overseas vacation. It can give you our highest benefit limits for emergency medical and dental expenses, lost or stolen belongings, delayed or canceled flights, and more.

Plus, our Ultimate plan is customizable, with up to nine optional upgrades available. This means it’s easy to tailor your policy to suit your overseas itinerary.

Here are the upgrades you can include with your Ultimate plan:

Traveling internationally with your children in tow? You’ll love our Ultimate plan’s kids-included pricing. We’ll cover one child aged 17 or younger per each insured adult traveler, as long as the child’s trip cost is equal to or less than the adult’s. If you include our upgrades, your child will be charged the premium for each upgrade.

Great question! Most U.S. health insurance plans take a little vacation themselves when you leave the country, meaning they often don’t work abroad. So, if you’re planning to explore the world, it’s a good idea to pack some extra protection — like travel insurance with medical benefits.

Whether it’s a minor mishap or something more serious, travel insurance can help with unexpected medical expenses, so you can focus on making memories instead of worrying about medical bills. After all, the only thing you should be collecting on your trip is souvenirs — not surprise costs!

We don’t want your illnesses or health issues preventing your from having a fun trip outside the U.S. So, we offer coverage for chronic illnesses with our Ultimate plan. You can be eligible for coverage as long as you meet a few simple requirements:

You purchase our Ultimate plan within 21 days of your first trip payment.
You insure the full cost of your trip.
You make sure you’re able to travel when you buy the plan.

With this waiver of our pre-existing medical condition exclusion, things like medical expenses or trip interruptions related to your pre-existing conditions can be protected, so you can focus on the fun stuff — like deciding between the beach or the buffet! Just make sure to check the details before you go.

If your international trip takes an unexpected twist and you need to stay longer, your policy can tag along — just not for voluntary reasons.

Here’s how it works: your policy will automatically extend if your return to your home in the U.S. is delayed because of unavoidable circumstances beyond your control — like severe weather, a flight cancellation, or even a medical emergency.

But if you’re simply having too much fun and want to extend your international trip “just because”, your policy won’t stretch to match. So, while it’s great for those “oops, life happened” moments, it’s not built for spontaneous extra beach days.

We’ve got your back when the world gets a little unpredictable — but there are some limits to what we can help with. If your international trip is impacted by political events or terrorism, our plans can step in under certain conditions. For example, if a terrorist act happens in your departure city within 30 days of your trip or near your destination while you’re there, you can cancel or interrupt your trip. However, we don’t offer coverage for war or acts of war.

Now, let’s talk about civil unrest. While we can assist with certain political events, we don’t provide help for losses caused by civil disorder unless it’s specifically tied to an eligible benefit, like a travel delay. So, if you’re caught in a general protest or demonstration while you’re abroad, that’s outside the scope of what we can assist with. And if you’re traveling to an international destination with a known travel warning or advisory in place before your trip, you won’t have coverage in that location.

For extra protection, our optional adventure activities upgrade has a security evacuation benefit, which can help if you’re in a location where political unrest escalates into something more serious, like an official advisory to leave. We’ll work to get you to the nearest safe spot or even back home. While we can’t predict the world’s twists and turns, we’re here to help you navigate the unexpected — just make sure to check the details before you go! 

Yes! With our online claims portal, you can submit your claim anytime, anywhere — even while you’re still traveling. All you need is your policy confirmation number (found in your confirmation of coverage email or our Travel On app), and you’re good to go.

Here’s what to do: Enter your confirmation number, create an account, and follow the simple steps to file your claim. You can upload documents like receipts or reports, track your claim’s status, and even choose how you’d like to get reimbursed — direct deposit or check.

If your policy is underwritten by Zurich, you could see funds in your account within 24 hours of approval. And if you need help, our claims team is just a call or email away. So, whether you’re sipping espresso in Italy or hiking in Peru, filing a claim is as smooth as your travel plans should be!

Yes! If your idea of an international vacation involves more adrenaline than lying a hammock, we’re here for you.

Our base plans already include coverage for some activities, like hiking, kayaking, horseback riding, and snowboarding. But if you’re planning to take things up a notch when you’re outside the U.S. — like skydiving, skiing, bungee jumping, or scuba diving deeper than 75 feet — you’ll want to grab our optional adventure activities upgrade. It’s like a VIP pass to protection for thrill-seekers, waiving exclusions for those heart-pounding adventures.

So, remember to check if your intended activity is eligible for coverage by your chosen base plan while you’re abroad. If it’s not, consider adding our adventure activities upgrade.

We’ll never tell you where to go on your well-earned vacation — but we also want you to be safe while you’re there.

We offer coverage for most destinations; however, there are some locations where our travel insurance won’t apply. Make sure to check our blocked destinations before buying your policy.

It’s easy to find out your travel insurance policy cost — just click the orange button on our site to get a quick quote. Or you can visit our homepage and enter your destination to start your quote. Then, you’ll see the plan options that may work well for your international trip and pick the best international travel insurance plan for your trip.

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Explore our travel insurance for international vacations