Travel Insurance Reviews: World Nomads vs Travel Guard vs Allianz Travel vs Travelex vs Generali & More!

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“Best For” Winners
Overall
Generali Global Assistance logo
Lost Luggage
Travelsafe logo
Trip Cancellation
AXA Assistance USA logo
Emergency Medical
TripAssure logo
Travel With Kids
Travel Guard logo

You’ve been saving money for years to take that once-in-a-lifetime, dream vacation; you’re all booked and can’t wait for your big trip. It’s going to be a perfect escape — a week in a tropical paradise, Paris, or Peru. But what if reality rears its unfortunate head? Stuff happens when you least expect it, and you’re not immune just because you’re traveling.

Whether you have to cancel your trip altogether or disaster strikes while you’re on vacation, travel insurance can help save you from an utter financial loss — or an even larger financial burden. Our travel insurance reviews will help you sort through all of your options to see which providers are right for you.

Article Overview

Is Travel Insurance Worth It?

Severe weather, medical problems, mechanical problems with transportation — these events affect travelers more than you might think. In a 2014 survey, the US Travel Insurance Association found that one in six Americans said their travel plans were impacted by such incidents leading to trip cancellations, interruptions or major delays.

On average travel insurance will only cost you 6% of your total travel costs, but it may not be worth it in some cases. In general, if you’re traveling domestically and you’ve gotten excellent deals on a flight and hotel stay, it’s probably not worth it to invest in travel insurance — especially if your vacation isn’t too lengthy or too far from home. Otherwise, here are some factors you should definitely consider, especially if you are traveling internationally.

  • What does your credit card cover? Many credit cards offer some type of travel insurance, but a vast majority don’t cover trip cancellation for non-refundable costs. Overall, the coverage they offer doesn’t even come close to what you get by purchasing travel insurance.
  • What if you have to cancel? If you’ve spent thousands of dollars on non-refundable plane tickets, hotel rooms, tours, etc., you could suffer a significant financial loss if you have to cancel. Finding the best vacation insurance could help mitigate that loss.
  • What if you have an accident or get seriously ill? Travel insurance is worth it if you’re not covered by your healthcare insurance for emergencies when traveling abroad. Many U.S. health insurance policies don’t cover you when you’re out of the country. Further, you may not have access to advanced medical care in the local country (due to lack of it or lack of access for non-residents) without travel insurance.
  • What if you require evacuation? The biggest cost you are subject to incur while traveling is for emergency medical care or evacuation. The average cost for emergency medical evacuation is a whopping $26,000 ($200,000+ in Alaska). If your health is in trouble, you want to make sure this cost is covered and your evacuation happens quickly (without claims process).

Travel insurance can be confusing even if you read the fine print (which you should always do). Therefore, we’ve included a terminology section below to help you understand the details of some benefits and what you need to keep in mind.

When To Say Yes Or No To Travel Insurance

Check out this helpful video by USA Today that goes into greater detail about whether you should get travel insurance or not.

Is Travel Insurance A Replacement For Existing Insurance?

First, travel “insurance” can be a misleading term, particularly when it comes to the emergency medical aspect. A more apt term is travel protection. The medical benefit arm of comprehensive travel protection, in fact, isn’t really medical insurance per se, and it doesn’t cover you like your health insurance policy does. See our terminology section to learn more.

Best Travel Insurance Reviews

We’ve chosen our travel insurance winners based on several factors: company reputation, coverage payout, the variety of plans available, ease of claim process, customer service, policy pricing, and more. A few things you need to know about pricing.

Policy pricing depends upon the age of travelers: many policies discount rates for kids; travelers over 65 should expect to pay more. And be aware: not all providers and policies are available in every state.

*All pricing we list in our reviews is based on an insurance policy for two adults, ages 40 and 45, who reside in Virginia, are traveling to Greece for one week, and paying a total of $8,000 for the vacation cost. Each policy is the cost for both travelers, and we’ve only included comprehensive plans available for each travel insurance provider. This approach should give you a better way to compare pricing and coverage rates.

Our “Best For” Travel Insurance Reviews

We broke up our top picks into several categories to help you choose the policy that best meets your needs. Here are our winners in the following categories:

Best Overall: Generali Global Assistance Review (Formally CSA Travel Protection)

Generali Global Assistance logoVisit Website

Generali Global Assistance (formerly CSA Travel Protection) wins our top nod for the best overall travel insurance for its very high payout rates for nearly everything they cover (and they cover a lot). They also offer some perks many other companies don’t — ID theft resolution services, lost or stolen prescription coverage, and up to $1,000 emergency medical coverage without having to file a claim (although you must visit one of their network’s healthcare providers to qualify).

Generali also stands out from the pack for its cancel for any reason coverage. Most providers require you to purchase this benefit within 14-21 days after making your initial trip deposit. Generali gives you more time; they’ll cover you as long as you purchase it within 24 hours after making your final trip deposit.

This California-based company has been in business for 25+ years and has built a great reputation for itself. They only offer three package plans; however, they recently added the ability to file claims online.

Pros

Cons

  • Full trip cancellation and interruption coverage
  • Excellent medical expenses coverage at $250,000 per person for highest plan
  • Excellent Accidental Death & Dismemberment (AD&D) 24-hour and flight-only coverage included in policies
  • Excellent pre-existing medical condition coverage available for conditions within 180 days before trip
  • Missed connection and re-instate mileage rewards included
  • Policy pricing is higher than average
  • Hefty cost for cancel for any reason coverage add-on (must be purchased within 24 hours of initial deposit)

 Pricing*

*Policy for two adults, ages 40 and 45, who reside in Virginia, and are traveling to Greece for one week at $8,000 total trip cost.

  • $362.88 Standard Plan
  • $389.74 Preferred Plan
  • $533.38 Premium Plan (+$266.69 for cancel for any reason add-on)
  • View all policies

Best For Lost Luggage & Missed Connections: TravelSafe Review

TravelSafe logo

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Do you have a small window between flights, or are you worried about your luggage getting lost en route? TravelSafe provides the best combination of missed connection coverage and payouts for lost or delayed luggage. TravelSafe offers three comprehensive plans, and their policy pricing is a good value for overall coverage and fantastic customer support. 

TravelSafe even includes cancel for any reason coverage as part of its highest package (most other providers require an additional fee or don’t offer that coverage at all). You also can file and check on your claim status all through their website. Travel Safe has been in business since 1971 and has a solid reputation for continued customer satisfaction.

Pros

Cons

  • Full trip cancellation and interruption coverage
  • Good flexibility with a variety of add-ons
  • Good medical expenses coverage at $100,000 per person for highest plan
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Can file and check claim through website
  • Missed connection coverage
  • AD&D flight-only coverage is an added fee, but you get $25,000 per person 24-hour AD&D coverage
  • No itinerary change coverage

 Pricing*

Read Our In-Depth TravelSafe Review

Best For Trip Cancellation & Interruption: AXA Assistance USA Review

AXA Assistance USA logo

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AXA is a global insurance company that’s been in business for more than 50 years. Travel insurance is a branch of their overall insurance offerings. AXA Assistance USA offers reliable travel insurance for domestic and international travel, and they offer three policy levels plus some add-ons.

Overall, their policy prices are extremely competitive, and they offer some sizeable payouts compared to the bigger travel insurance names. AXA covers 100% of the cost of your trip if you have to cancel and 150% if you can’t finish your vacation — in all three of their plans. What’s more, AXA’s cancel for any reason add-on pricing is far lower than most. Add that on top of an extremely affordable base Platinum Plan, and you’ve got a super deal.

With AXA you get a major global presence and some nice features, including ID theft resolution, concierge and translation services. At their highest plan, they also cover missed golf and skiing trips and lost sports equipment.

Pros

Cons

  • Competitive policy pricing
  • Full trip cancellation and interruption coverage
  • Among the highest medical expenses coverage we reviewed at $250,000 per person for highest plan
  • Excellent AD&D 24-hour and flight-only coverage included in policies
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Cancel for any reason coverage is priced less than average as an add-on
  • Can’t file or check claim through website
  • No re-instate mileage rewards or itinerary change coverage available

 Pricing*

  • $238 Silver Plan
  • $292 Gold Plan
  • $358 Platinum Plan (+$179 for cancel for any reason add-on)
  • View all policies

Best For Emergency Medical Coverage: TripAssure Review (Formerly MH Ross)

TripAssure logo

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MH Ross (now called TripAssure) has been providing travel insurance since 1961 and has a solid reputation in the travel industry. The company joined the Trip Mate brand in 2009 and changed their name recently to TripAssure.

They offer three policy tiers and several add-on items at reasonably competitive pricing for the level of payouts they provide. You also get access to their vast range of travel-related services, including language translation assistance and full concierge perks.

TripAssure stands out for its emergency medical coverage — depending on the plan, you get $50,000, $100,000 or $250,000 maximum payouts per person. And all three of its plans provide an additional $750 per person for emergency dental coverage. Another benefit you don’t see often is 200% coverage for trip interruption with their highest plan.

Pros

Cons

  • Full trip cancellation and interruption coverage
  • Among the highest medical expenses coverage we reviewed at $250,000 per person for highest plan
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Cancel for any reason coverage is included in highest policy
  • Can file and check claim via their website
  • Missed connection and re-instate mileage rewards coverage
  • Pricing is higher than average for top plan
  • AD&D flight-only coverage is an added fee, but you get $25,000 per person 24-hour AD&D coverage
  • Medical evacuation coverage is lower than most at $500K

 Pricing*

Best For Travel With Kids: AIG Travel Guard Review

AIG Travel Guard logo

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In business for more than 20 years, AIG Travel Guard is the largest global travel insurance provider, serving more than six million travelers each year. Travel Guard offers four popular comprehensive plans to fit almost any budget. Its Gold and Silver comprehensive plans even insure kids for free.

Travel Guard’s highest comprehensive plan is among the most expensive we’ve reviewed once you tack on all the add-ons, but, hey, if you’re traveling with kids, we feel it’s well worth it. While most providers cover 75% of your trip costs if you cancel for any reason, Travel Guard only covers 50%.

Pros

Cons

  • Competitive policy pricing
  • Excellent variety of plans and add-ons
  • Full trip cancellation and interruption coverage
  • Good pre-existing medical condition coverage available for conditions within 90-180 days before trip (depends on plan)
  • Can file and check claim through their website
  • Missed connection coverage
  • Among the lowest medical expenses coverage at $50,000 per person for highest plan (you can upgrade for added fees)
  • Cancel for any reason coverage at 50% is lower than most
  • AD&D flight-only coverage is an added fee
  • No itinerary change or re-instate mileage rewards coverage available

 Pricing*

  • $319 Basic Plan
  • $377 Silver Plan
  • $411 Gold Plan (+$161.20 for cancel for any reason add-on)
  • $535 Platinum Plan (+$211.20 for cancel for any reason add-on)
  • View all policies

Best For Adventure Seekers: World Nomads Review

World Nomad logo

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World Nomads’ policy pricing is far below average but lacks a lot of coverage that other travel insurance providers offer. Where World Nomads shines is for adventure seekers. Their medical expenses coverage provides for accidents while taking part in more than 100 different sports and physical activities. Most companies don’t offer this or charge an added fee. They also include rental car damage coverage in their policy.

Most of World Nomads’ payouts are far below their competitors, and they don’t offer cancel for any reason coverage or preexisting medical conditions. If you’re a healthy risk-taker, World Nomads could be just the ticket for your adventure.

Pros

Cons

  • Policy rates are well below average — cheapest we reviewed
  • Good medical expenses coverage at $100,000 per person for highest plan
  • Can file and check claim via website
  • Trip cancellation coverage and interruption capped at $10,000 (less than most policies)
  • AD&D coverage only provides for $10,000 per person (no flight-only optional add-on)
  • No pre-existing medical coverage available
  • No cancel for any reason coverage available
  • No missed connection, itinerary change or re-instate mileage rewards coverage available

 Pricing*

Side-By-Side Comparison

We’ve compiled a side-by-side comparison table for all the travel insurance providers and features we’ve reviewed here to help you better compare the many providers and to help you choose the one that best meets your needs. Note that InsureAndGo no longer accepts new members, but we’ve included them here in case an existing member wants to compare them to other providers.

*The following pricing and coverage amounts are for each company’s highest plan.

 GeneraliTravelSafeAXA AssistanceTrip AssureAIG Travel GuardWorld NomadsAllianz TravelInsureandGoSeven CornersTravel InsuredTravelexUSI Affinity
GeneraliTravelSafeAXA AssistanceTrip AssureAIG Travel GuardWorld NomadsAllianzInsureandGoSeven CornersTravel InsuredTravelexUSI Affinity
AwardBest OverallLost LuggageTrip CancellationEmergency MedicalTravel W/ KidsAdventure Seekers
Read ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead Review
Visit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit Website
Policy Price* For Highest Plan (for 2 people)$533.38$610$358$696$535$215.86$456$354$396$624$448$742.40
*Price Including Cancel For Any Reason Benefit$800.07$610$537$696$746.20N/AN/A$594$624$739.20Add-on cost unlisted
Trip Cancellation100%100%100%100%100%Up to $10,00050%100%100%100%100%100%
Trip Interruption175%150%150%200%150%Up to $10,00075%150%150%150%150%150%
Short-Term Delay Coverage Per PersonUp to $1,000 ($300 per day)Up to $750 ($150 per day)Up to $1,250 ($300 per day)Up to $1,000 ($200 per day)Up to $1,000 ($200 per day)Up to $1,500 ($250 per day)Up to $1,600 ($400 per day)Up to $1,000 ($400 per day)Up to $1,500Up to $1,000 ($200 per day)Up to $750 ($250 per day)Up to $1,500 ($250 per day)
Min. Trip Delay Before Claim6 hours6 hours12 hours6 hours5 hours6 hours3 or 5 hours6 hours6 hours6 hours5 hours12 hours
Missed Connection Per Person$1,000$2,500$1,500$1,500$250Unavailable$1,600$500$1,500$500$750$1,500
Lost Luggage Per PersonUp to $1,000Up to $2,500 ($300 per article)Up to $3,000Up to $2,000Up to $2,500Up to $3,000 ($1,500 max per article)Up to $2,000Up to $4,000Up to $2,500Up to $1,000 ($250 max per article)Up to $1,000Up to $2,500 ($500 per article)
Luggage Delay Per PersonUp to $500Up to $250Up to $600Up to $400 ($200 per day)Up to $1,000 ($400 per day)Up to $750 ($150 per day)Up to $600 ($100 per day)Up to $1,600Up to $600Up to $300Up to $200Up to $500
Itinerary ChangeUnavailableUnavailableUnavailable$250UnavailableUnavailable$500$500$75$250UnavailableUnavailable
Bankruptcy/ Financial DefaultCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Cancel For Any ReasonAdd-on with highest plan for $266.69 (covers up to 75%)Included (covers up to 75%)Add-on with highest plan for $179 (covers up to 75%)Included in highest policy (covers up to 75%)Add-on w/ Gold & Platinum plans (covers up to 50%)UnavailableUnavailableUnavailableAdd-on with highest plan for $198 (covers up to 75%)Included in highest policy (covers up to 75%)Add-on for highest plan for $291.20(covers up to $10,000 per person)Add-on with highest plan (covers up to 75%)
Must Purchase Cancel For Any Reason Within:24 Hours of Final Trip Payment21 Days of Initial Trip Deposit14 Days of Initial Trip Deposit15 Days of Initial Trip Deposit15 Days of Initial Trip DepositN/A14 Days of Initial Trip Deposit20 Days of Initial Trip Deposit21 Days of Initial Trip Deposit21 Days of Initial Trip Deposit21 Days of Initial Trip Deposit
Emergency Medical Per Person$250,000$100,000$250,000$250,000$50,000$100,000$50,000$1 million$250,000$100,000$50,000$150,000
Emergency Dental Per PersonIncluded in Medical$750Included in Medical$750Included in Medical$750Included in Medical$750Included in MedicalIncluded in Medical$1,000
Primary or SecondaryPrimaryPrimaryPrimaryPrimaryPrimarySecondaryPrimarySecondarySecondaryPrimaryPrimary
Medical Evacuation Per Person$1 million$1 million$1 million$500,000$2 million$500,000$1 million$1 million$1 million$1 million$500,000$1 million
Preexisting Medical ConditionCovers 180 days outCovers 60 days outCovers 60 days outCovers 60 days outCovers 90 days outUnavailableCovers 120 days outCovers 60 days outCovers 60 days outCovers 60 days outCovers 60 days outCovers 60 days out
Must Purchase Policy Within # Of Days For Pre-Existing Waiver24 Hours of Final Trip Payment21 Days of Initial Trip Deposit14 Days of Initial Trip Deposit15 Days of Initial Trip Deposit15 Days of Initial Trip DepositN/A14 Days of Initial Trip Deposit20 Days of Initial Trip Deposit21 Days of Initial Trip Deposit15 or 21 Days of Initial Trip Deposit21 Days of Initial Trip Deposit
Accidental Death & Dismemberment (24-Hour) Per Person$50,000$25,000$50,000$25,000$50,000$20,000Unavailable$50,000$25,000$10,000$25,000$50,000
Accidental Death & Dismemberment (Flight only) Per Person$100,000Add-on$100,000Add-onAdd-onUnavailableUnavailable$100,000Add-onAdd-onAdd-onUnavailable
Policy Cancellation10 days14 days10 days14 days15 days10 days10 days10 days10 days14 days15 days15 days
Reinstate Rewards Miles & Points100%$150Unavailable$150UnavailableUnavailableUnavailableUnavailableUnavailable$250Unavailable$75
Offers Rental Car Damage Coverage$25,000 Per PersonAdd-on ($7/day)Add-on ($6/day)Add-on ($7/day)Add-on ($9/day)$35,000 includedAdd-on ($9/day)UnavailableAdd-on ($7/day)$50,000Add-on ($8/day)$35,000
Emergency Customer Support24/724/724/724/724/724/724/724/724/724/724/724/7
File Claim OnlineCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Check Claim Status OnlineCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Visit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit Website
Read ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead Review

Other Best Trip Insurance Reviews

Below you’ll find an alphabetical listing of other travel insurance companies we’ve reviewed. Click on one you’re interested in to jump to that review.

Allianz Travel Assistance | InsureandGo | Seven CornersTravel Insured International | Travelex | USI Affinity   

Allianz Travel Review

Allianz Travel logo

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Virginia-based Allianz Travel (previously Allianz Global Assistance) is a big player in the travel insurance industry, with 13 million customers per year and a network of 33 offices in 28 countries. Allianz offers a variety of plans for both domestic and international travel, so you have some choices about how much coverage you want. Most of their payouts, however, are far less than what you’ll find elsewhere.

Allianz also offers an option of annual travel insurance coverage for people who frequently travel during the year. The policy pricing is lower than their one-trip plans, but the payouts per trip are also much lower. A huge perk with Allianz’s higher level plans is that kids 17 and under are covered for free when traveling with a parent or grandparent.

Pros

Cons

  • Competitive policy pricing
  • Good variety of plans to choose from
  • Great pre-existing medical condition coverage available for conditions within 120 days before trip
  • Can file and check claim via website
  • Missed connection and itinerary change coverage
  • Trip cancellation and interruption coverage is far less than other providers
  • Among the lowest medical expenses coverage at $50,000 per person for highest plan
  • AD&D coverage is unavailable
  • No cancel for any reason coverage available

 Pricing*

InsureandGo Review

InsureandGo logo

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NOTE: InsureandGo is no longer offering travel insurance for new members.

InsureandGo is possibly your best bet if you’re looking for basic coverage at a low-cost. While they don’t offer some features the big players do, InsureandGo gets consistently positive consumer reviews — and they insure more than 2 million travelers each year. They have three policy levels but don’t have any add-ons, like rental car coverage or a cancel for any reason option. They do offer cruise-specific plans, unlike many other providers. If basic is best for you and your budget, give InsureandGo some serious consideration.

Pros

Cons

  • Policy pricing is among the least expensive we’ve seen
  • Full trip cancellation and interruption coverage
  • Highest medical expenses coverage we reviewed at $500,000 per person for highest plan
  • Good AD&D coverage included in policies
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Missed connection and flight ticket change coverage
  • Only three plans to choose from and no add-ons
  • Cancel for any reason coverage unavailable
  • Can’t file or check claim via website
  • No re-instate mileage rewards coverage

 Pricing*

  • $290 Silver Plan
  • $328 Gold Plan
  • $354 Platinum Plan

Seven Corners Review

Seven Corners logo

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In business since 1993, Seven Corners is a well-established insurance provider and offers a wide variety of travel insurance plans. You can choose from three comprehensive travel insurance plans that include coverage similar to what other companies offer at competitive prices.

What’s great about Seven Corners is its flexibility — they offer several optional features, like cancel for work reasons and ski or golf coverage for lost equipment and missed sessions. They also have an annual plan for frequent travelers, two student policies, and plans for non-U.S. residents. Seven Corners’ plans are affordably priced, and consumers find them reputable and easy to work with.

Pros

Cons

  • Flexible plans, packages and add-ons
  • Full trip cancellation and interruption coverage
  • Excellent medical expenses coverage at $250,000 per person for highest plan
  • $25,000 per person 24-hour AD&D coverage with policy
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Missed connection coverage
  • AD&D flight-only coverage is an added fee
  • Can’t check claims through their website
  • No re-instate mileage rewards coverage available

 Pricing*

  • $348 Roundtrip Economy Plan
  • $360 Roundtrip Choice Plan
  • $396 Roundtrip Elite Plan (+$198 for cancel for any reason add-on)
  • View all policies

Travel Insured International Review

Travel Insured International logo

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Travel Insured International (TII) is another well-established company that’s been in business for more than 20 years. Their policy pricing is competitive, and overall their payouts are about average compared to the top travel insurance providers. TII is the only provider we reviewed that includes both cancel for any reason and trip interruption for any reason in their highest policy. 

You can submit your claim online, but their website doesn’t give you a list of necessary documents before you begin. One significant omission — they don’t provide coverage in the event your travel supplier goes bankrupt. Many other top providers include this in their policies.

Pros

Cons

  • All plans are priced competitively
  • Full trip cancellation and interruption coverage
  • Trip cancellation and interruption for any reason included in highest plan
  • Good medical expenses coverage at $100,00 per person for highest plan
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Highest rental car inclusion benefit of our reviews at $50,000
  • Can file and check claim via website
  • Missed connection, itinerary change, re-instate mileage rewards included
  • Very few add-on options
  • 24-hour AD&D coverage is far below average at $10,000 per person, and flight-only AD&D coverage isn’t available
  • Trip delay and lost luggage benefits are lower than average

 Pricing*

  • $284 World Trip Protection Lite
  • $480 World Trip Protection
  • $624 World Trip Protection Plus
  • View all policies

Travelex Review

TRavelex logo

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Travelex is a reputable travel insurance provider, which offers two budget-friendly base plans that you can customize with some add-ons. Speaking of budget, Travelex is one of the few providers to include kids under 17 free in your policy.  Travelex’s website has a ton of excellent travel resources to help you as you plan your vacation.

The downsides? Travelex’s emergency medical expenses and medical evacuation coverage are among the lowest in our reviews. Their cancel for any reason add-on is among the highest pricing we’ve seen.

Pros

Cons

  • Good budget choice for lower plan
  • Full trip cancellation and interruption coverage
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Missed connection coverage
  • Can file and check claim via website
  • Very expensive cost for cancel for any reason add-on coverage
  • Lower medical expenses coverage at $50,000 per person for highest plan
  • AD&D flight-only coverage is an added fee
  • No itinerary change or re-instate mileage rewards coverage available

 Pricing*

  • $324 Travel Basic
  • $448 Travel Select (+$291.20 for cancel for any reason add-on)
  • View all policies

USI Affinity Review

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USI Affinity has an excellent reputation and loyal customer base, with more than 40 years of providing reliable travel insurance under its belt. They offer fairly competitive payouts for most benefits and are one of few companies that include rental car damage in their plan pricing. They’re also one of few providers we’ve seen that offer an add-on for trip interruption for any reason.

Where USI Affinity falls short compared to companies that provide comparable payouts is higher than average pricing (especially for their two higher plans) and nearly double the trip delay time required before you can make a claim. That being said, we feel USI Affinity is still worth consideration.

Pros

Cons

  • Full trip cancellation and interruption coverage
  • Higher than average medical coverage at $150,000 per person
  • Good AD&D coverage at $50,000 per person
  • Good pre-existing medical condition coverage available for conditions within 60days before trip
  • Rental car damage coverage included in Plus and Elite plans
  • Missed connection coverage included
  • Very expensive mid- and high-level base plans
  • No itinerary change or flight-only AD&D coverage
  • Can’t file or check claim through website

Pricing*

  • $440 Basic Plan
  • $660 Plus Plan
  • $742.40 Elite Plan (add-on pricing unlisted)
  • View all policies

Read Our In-Depth USI Affinity Review

Beyond The Boundaries Of Travel Insurance

Are you a student traveler, or do you travel to potentially life-threatening destinations? If so, the following sites may be of interest to you for coverage you won’t find with traditional travel insurance providers.

Global Rescue

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If you’re traveling to a high-risk area of the world, you may want to join Global Rescue, the world’s leading membership organization providing emergency services to individuals, families, enterprises and governments. Membership gives access to travel assistance and insurance, medical evacuation and advisory services, field rescue, security advisory and extraction services and more.

STA Travel

STA Travel logo

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STA Travel is a premier site for student travelers, which includes full travel arrangement services, travel insurance, world-travel tips and much more. Each STA policy includes an ISIC, IYTC or ITIC card, providing students with thousands of travel, online and lifestyle discounts at home and in over 133 countries worldwide.

Travel Insurance Terminology

  1. Trip Cancellation
  2. Trip Cancellation For Any Reason
  3. Trip Interruption
  4. Primary vs Secondary Emergency Medical
  5. Pre-Existing Medical Conditions

1. Trip Cancellation

Travel insurance policies vary on the reasons for approved trip cancellation coverage, so you need to read the fine print of your policy to see when you’re covered and when you’re not.

The most common covered reasons for trip cancellation include:

  • The unanticipated illness or injury of you (or a fellow traveler) that renders you unable to travel (with a licensed physician’s approval)
  • The unforeseen death or hospitalization of an immediate family member
  • Unforeseen natural disasters at home or your destination
  • Jury duty or other legal obligation
  • A common carrier’s mechanical failure or worker strike

To be approved for trip cancellation benefits, the circumstances must be the direct cause of you not being able to make your destination, or you must experience unreasonable delays. You’ll need to provide documentation for your claim approval.

2. Trip Cancellation For Any Reason (CFAR)

Trip cancellation for any reason is a different ball-game, and that’s why it typically hikes up your premium so much. This optional benefit really does cover you if you have to cancel your trip, no matter the reason. Unlike basic trip cancellation coverage, however, you have to meet a few requirements to get reimbursed. You MUST:

  • Purchase CFAR coverage within a set time period after you make your initial trip deposit (usually 10-21 days)
  • Insure 100% of your pre-paid, non-refundable trip cost
  • Cancel with your travel supplier 48 or 72 hours before departure date, depending on the plan

3. Trip Interruption

Trip interruption coverage is similar to trip cancellation in that travel insurance companies vary in the circumstances they cover. Policies also differ with the timing of your trip interruption.

Some require you to be less than halfway through your trip to approve coverage, while others cover you for added time during your trip. Again, it’s crucial for you to read the fine print of your policy.

4. Primary vs Secondary Emergency Medical Coverage

It’s important to note that travel insurance offers emergency medical benefit coverage, rather than general health insurance coverage. To receive medical-related travel benefits, you’re typically required to need immediate medical attention — anything from a serious ankle injury to hospitalization.

What Is Primary Coverage?

A travel insurance plan with primary emergency medical means the travel insurance company is the first payer or reimburser of those benefits. After paying your claim, then the travel insurance provider may contact your health insurance company for reimbursement.

What Is Secondary Coverage?

Secondary emergency medical coverage means that you’re first required to file a claim with your health insurance company. Then, if denied, you file a claim with the travel insurance company, which will reimburse you up to its stated limits.

The major benefit of primary over secondary is that you don’t have to deal with both your health insurance company and travel insurance companies. The travel insurance company handles your claim all on its own.

A few companies offer primary with all of their plans, but most only include it with their higher-priced plans. If this feature is important to you, make sure you read the policy to see which type of coverage each plan offers to best meet your needs.

5. Pre-Existing Medical Conditions

This coverage is one of the most confusing aspects of travel protection. Travel insurance plans automatically exclude coverage for pre-existing medical conditions. In many cases, however, you can qualify for an exclusion waiver, which protects both your trip cancellation and emergency medical benefits.

What Is A Pre-Existing Medical Condition?

A pre-existing condition is any disease, illness, injury, or other medical condition that occurs prior to the travel plan’s effective date — and for which you sought a diagnosis, treatment, new prescription medications or a change in a current prescription.

What Is A Pre-Existing Medical Waiver?

The waiver essentially removes the exclusion of pre-existing conditions from your travel plan (as we stated earlier, all travel insurance plans automatically exclude pre-existing conditions).

In most cases, you MUST purchase your plan within a specified time frame (usually 10-21 days) after you make your initial trip deposit in order to qualify for the waiver. Some plans also require you to meet other eligibility requirements.

Some plans, particularly basic, lower-priced plans, don’t include the waiver. Make sure the policy you purchase does indeed have the pre-existing condition waiver if this coverage is important to you or fellow travelers.

Are Non-Travelers Included?

Yes, in most cases. Non-travelers can include immediate family members or a business partner (whose illness would require you to work). Most plans don’t apply to cousins, uncles, nieces, etc.

What Is A Look Back Period?

The travel insurance company has the right to “look back” at the medical records of the traveler or non-traveler to whom the claim is made. The period of time for this review of medical records varies by company and by plan (typically 60-180 days back).

Any medical condition that existed during the look-back period is considered a pre-existing condition if you got treament or had a change in your prescription medications. The condition is not deemed pre-existing if you’ve been stable within the look-back period. “Stable” means that the condition has not changed or worsened.

What If You’re Planning An Extended Stay Abroad?

If your “travel” plans involve living abroad for more than a year, traditional trip insurance and your U.S. health insurance carrier likely won’t cover you for medical needs. That’s when you need to consider purchasing expatriate health insurance.

Check out our reviews of the best expat health insurance policies to find out more information and to see our top picks.

Have you ever needed travel insurance but didn’t get it?

Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.
Disclaimer: Information regarding insurance company offerings, pricing, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those that may be used for example purposes in this article.
An international traveler since she was under 10 years old, Sally loves exploring the world’s mysteries first hand. Her favorite destinations? Greece and the British Virgin Islands. She grew up learning to question, explore, and discover new things and ideas — it’s probably why she went into journalism as a career! She loves what the Internet has brought to research and exploration, but she still hits the ground to travel whenever she gets the chance.

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JoAnn W
Hi, JoAnn again. I was just filling out a quote on USI Affinity (your #3 pick), and it says that “Trip Cancel for Any Reason” is an upgrade, whereas you list it as included. Has that changed? Also, it is not available with Basic, only Plus and Elite.
Alex Schenker (Admin)
Hi JoAnn, thanks for your question and feedback! Cancel for any reason coverage is available as an add-on in Plus and Elite policies with USI. We’ve updated our article accordingly.
JoAnn W
I just went to the Generali Global Assistance page to get some quotes for my upcoming trip, and I didn’t see an option to buy the “cancel for any reason” add-on during checkout. Where can I find this?
Alex Schenker (Admin)
Hello again JoAnn 🙂 Cancel for any reason coverage is available as an add-on with the highest Generali plan (not available to residents of NY, must be purchased within 24 hours of initial deposit). Note that cancel for any reason only covers 75% of the trip cost, that is typical with most providers that offer this.
Mary F
My 26 yr old daughter will teach in South Korea for a year. The government health insurance kicks in after 30 days, but they said she should still have health insurance for a year to cover her co-pay for major problems. She will be leaving Aug 18th. She purchased a one way ticket 3 days ago, and will buy her return ticket next year. She also plans to travel to other countries in the region during her vacation breaks from teaching, like Japan, China, Bali, etc. Does she need an annual plan or traveler’s insurance? We’ve been looking at a lot of websites and are getting more confused. Her adviser told her this example of a teacher who arrived and wasn’t covered yet by anything and they had to sell their house to pay all the medical expenses and evacuation back to the U.S. Any thoughts?
Sadie Cornelius (Admin)
Mary, so exciting to hear your daughter is getting ready to embark on a new adventure! This is a great question and we are researching her specific situation and will get back to you soon. What state does she reside in as not all policies are available in all places. Thanks and we’ll be in touch soon with a more detailed response and recommendation.
Thom G
Thanks for your travel insurance reviews but Generali DOES offer more than 2 plans & you can file a claim online.
Sadie Cornelius (Admin)
Thom, you are correct indeed they do! We updated the article and appreciating you letting us know!
Colin_Stevens
I’m planning a trip to the Caribbean soon with my wife who is pregnant but we booked our flights before we knew about this Zika virus going around and are thinking about cancelling. I take it you must have the policy in place before you book your travels or how does that work? I will definitely keep this in mind for future trips though!