Secure Your Trip with Global Travel Insurance

Don't let medical emergencies or lost luggage ruin your journey. 

Compare plans and get covered in minutes.

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One Unexpected Event Shouldn't Ruin Your Dream Trip

Every year, 1 in 6 travelers faces an unexpected issue that impacts their trip. Medical emergencies abroad can cost $50,000 or more. A cancelled flight can mean losing thousands in non-refundable bookings.

Travel insurance isn't about fear—it's about freedom. Freedom to explore without worry. Freedom to take that adventure knowing you're protected if things go wrong.

Real Statistics:

    • 42% of travelers experience flight delays or cancellations 

    • Medical evacuation costs average $25,000-$50,000 

    • 15% of checked luggage is delayed or lost annually 

    • Trip cancellation for emergencies affects 8% of travelers

What Does Travel Insurance Actually Cover?

Coverage Type Basic Plan Standard Plan Comprehensive Plan

Medical Emergencies Up to $50,000 Up to $100,000 Up to $500,000

Emergency Evacuation  ✓ Included ✓ Included ✓ Included

Trip Cancellation Up to $1,500 Up to $5,000 Up to $10,000

Trip Interruption Up to $1,000 Up to $3,000 Up to $10,000

Baggage Loss/Delay Up to $500 Up to $1,500 Up to $3,000

Travel Delays $100/day  max 2 days) $150/day (max 3 days) $200/day (max 5 days)

Adventure Sports ✗ Not covered ✓ Limited ✓ Full coverage

Pre-existing Conditions ✗ Not covered ✓ With waiver ✓ With waiver

24/7 Assistance ✓ Included ✓ Include ✓ Included

Estimated Cost $30-50/trip $60-100/trip $120-200/trip

Note: Prices vary based on age, destination, and trip length. Compare personalized quotes below.

Is Travel Insurance Right for Your Trip?

5-Step Guide to Choosing Travel Insurance

Step-by-Step Guide:

Step 1: Calculate Your Trip Investment Add up flights, hotels, tours, and activities. This determines your needed cancellation coverage.

Step 2: Check Your Existing Coverage Review your health insurance, credit card benefits, and homeowners/renters insurance. Identify gaps.

Step 3: Consider Your Destination Medical costs vary dramatically by country. USA and Switzerland have highest costs; Southeast Asia and South America are lower.

Step 4: Assess Your Activities Standard plans often exclude adventure sports. Need skiing, scuba, or trekking coverage? Choose comprehensive.

Step 5: Read the Fine Print Understand exclusions, deductibles, and claim procedures. Look for 24/7 emergency assistance.

Separating Fact from Fiction

❌ MYTH: "My health insurance covers me abroad" ✅ FACT: Most domestic health insurance provides limited or no coverage internationally. Medicare doesn't cover foreign travel at all.

❌ MYTH: "Travel insurance is too expensive" ✅ FACT: Comprehensive coverage typically costs 4-8% of your trip cost. For a $3,000 trip, that's $120-240 for complete protection.

❌ MYTH: "I'm young and healthy, I don't need it" ✅ FACT: 60% of travel insurance claims are for trip cancellations and delays, not medical issues. Anyone can face these problems.

❌ MYTH: "Insurance companies never pay out" ✅ FACT: Reputable providers have 85-90% claim approval rates when proper documentation is provided.

❌ MYTH: "I can buy insurance anytime" ✅ FACT: Many benefits (like cancel-for-any-reason) require purchase within 14-21 days of your initial trip deposit.

❌ MYTH: "All travel insurance is the same" ✅ FACT: Coverage varies dramatically. Some exclude adventure sports, pre-existing conditions, or certain destinations entirely.

How Travel Insurance Saved These Trips

Testimonial 1:

Headshot of Sarah M., 34, professional appearance Quote: "I broke my ankle hiking in New Zealand. My comprehensive plan covered $28,000 in medical bills plus emergency flight changes. I paid $180 for the insurance—best investment ever." - Sarah M., Teacher from California

Testimonial 2:

Headshot of James T., 42, business casual Quote: "Hurricane forced us to cancel our Caribbean vacation 2 days before departure. Got 100% refund on $6,500 worth of non-refundable bookings. The claim was processed in 8 days." - James T., Engineer from Texas

Testimonial 3:

Headshot of Maria L., 29, casual friendly Quote: "Lost luggage with my laptop and camera gear in Paris. Insurance covered replacement costs same day. No vacation ruined, no financial stress." - Maria L., Photographer from New York

Filing a Claim: What to Expect

Process Timeline:

Before You Travel:

1. Purchase insurance within 14 days of initial deposit (for maximum benefits)

2. Save your policy documents offline and online

3. Note your provider's 24/7 emergency number

4. Photograph all receipts and bookings

During an Emergency:

1. Contact your insurance provider immediately (24/7 hotline)

2. Seek medical attention at approved facilities when possible

3. Keep ALL receipts, medical records, and documentation

4. Document everything with photos/videos if applicable

5. Get written reports from airlines, hotels, police if relevant

After You Return:

1. File claim within 30 days (most providers)

2. Submit complete documentation package

3. Provider reviews claim (5-30 days typically)

4. Receive approval and payment method

5. Funds typically arrive within 7-14 days of approval

Claim Approval Tips: 

✓ Keep every receipt, no matter how small ✓ Get written documentation from third parties ✓ Take photos of damaged luggage/items ✓ File police reports for theft immediately ✓ Communicate with provider throughout ✓ Read your policy—know what's covered

Compare Plans in 60 Seconds

Interactive Form Fields:

Your Trip Details:

• Departure Date: [Date picker]

• Return Date: [Date picker]

• Destination Country: [Dropdown menu]

• Number of Travelers: [1-10 dropdown]

• Traveler Ages: [Input fields]

• Total Trip Cost: [$ input]

• Pre-existing Conditions? [Yes/No toggle]

• Adventure Activities? [Yes/No toggle]

[Compare Plans Button - Large, prominent]

Results Show:

• 3-5 plan options from different providers

• Side-by-side coverage comparison

• Price comparison

• Customer ratings

• Direct links to provider websites

• Clear disclosure: "We may earn a commission if you purchase through our links, at no extra cost to you."

Your Travel Insurance Questions Answered

FAQ Accordion:

Q: When should I buy travel insurance? A: Purchase as soon as you make your first trip payment. Many benefits (including pre-existing condition waivers and cancel-for-any-reason) are only available if you buy within 14-21 days of your initial deposit. Waiting until closer to departure limits your coverage options.

Q: What's "cancel for any reason" coverage worth it? A: CFAR coverage typically costs 40-60% more and reimburses 50-75% of trip costs for any cancellation reason not otherwise covered. Worth it for: expensive trips, uncertain health situations, or when traveling during unpredictable times. Skip it for inexpensive, short trips.

Q: Does travel insurance cover COVID-19? A: Most current policies cover COVID-related medical treatment and trip cancellations if you test positive before departure. Coverage varies by provider—read policies carefully. CFAR coverage may provide more flexibility.

Q: Will travel insurance cover my pre-existing conditions? A: Maybe. Many policies offer pre-existing condition waivers if you: purchase insurance within 14-21 days of initial deposit, insure the full trip cost, and are medically able to travel when purchasing. Always declare all conditions—undisclosed conditions void coverage.

Q: What if I need to cancel for a reason not covered? A: Standard policies have specific covered reasons (illness, injury, death, weather, etc.). If you cancel for other reasons, you're not covered unless you purchased cancel-for-any-reason (CFAR) coverage.

Q: How does travel insurance differ from travel medical insurance? A: Travel insurance covers trip costs (cancellations, delays, interruptions) PLUS medical emergencies. Travel medical insurance covers only medical/evacuation costs, typically for longer trips or expatriates.

Q: Can I buy insurance after booking? A: Yes, but you'll lose time-sensitive benefits like pre-existing condition waivers and cancel-for-any-reason coverage. Buy within 14-21 days of initial trip payment for full benefits.

Q: What's NOT covered by travel insurance? A: Common exclusions include: known events (like hurricanes already forecast), illegal activities, extreme sports without riders, travel against government warnings, mental health issues, alcohol/drug-related incidents, and losses due to war/terrorism (unless specifically covered).

Q: Do I need insurance for domestic travel? A: It depends. If you have expensive non-refundable bookings or are traveling to remote areas, yes. If your trip is short, cheap, and fully refundable, probably not. Your regular health insurance typically covers domestic medical needs.

Q: How do I choose between annual and single-trip insurance? A: Annual plans (covering unlimited trips up to 30-90 days each) cost $200-400 and make sense if you take 2+ international trips yearly. Single-trip insurance costs 4-8% of trip cost and is better for occasional travelers.

💡 Tip 1: Bundle for Families Family plans cover children under 18 for free or minimal cost. Can save 30-50% versus individual policies.

💡 Tip 2: Check Credit Card Benefits Premium cards (Chase Sapphire, AmEx Platinum) include travel insurance if you book with the card. Review coverage limits—often insufficient for major trips.

💡 Tip 3: Document Everything Photograph receipts, tickets, and belongings before travel. Creates irrefutable proof for claims.

💡 Tip 4: Keep Digital and Physical Copies Email yourself policy documents. Save provider's emergency number in phone contacts.

💡 Tip 5: Understand "Medically Necessary" Insurers only cover "medically necessary" treatments. Elective procedures during travel aren't covered.

💡 Tip 6: Time Your Purchase Buy within 14 days of initial deposit for maximum benefits. Don't wait until booking is complete.

💡 Tip 7: Read the Exclusions Most claims denials result from excluded events. Spend time understanding what ISN'T covered.

💡 Tip 8: Consider Evacuation Coverage Medical evacuation to quality facilities or back home can cost $50,000-100,000. Essential for remote destinations.

Informational Disclosure:

About This Site: TravelInsurance.pro is an independent comparison platform helping travelers find suitable insurance coverage. We may earn referral commissions from providers featured on this site, at no additional cost to you. Our comparisons are based on publicly available information and user reviews. We are not insurance providers and do not underwrite policies.

Important: Always read policy documents carefully before purchasing. Coverage varies by provider, destination, and individual circumstances. This site provides general information only and is not a substitute for professional advice.