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Travel Insurance
Insure your next trip confidently with the Best Plans Guarantee
This travel rate and coverage are provided and serviced by third parties.. Read more
Compare and quote travel insurance to find the right coverage for your trip
Access the industry's best vacation insurance companies through Progressive travel insurance from InsureMyTrip. You can quote, compare, and buy affordable plans to cover your concerns at a price that fits your budget. Plus, you'll travel worry-free knowing your trip is insured and backed by three guarantees:
- Best Plans Guarantee: InsureMyTrip uses feedback from real customers to help filter plans. And the actual provider rating is considered when making recommendations.
- Best Prices Guarantee: Federal law requires regulation of travel insurance rates. As a result, you won't find the same plan for a lower price on any other site.
- Money Back Guarantee: While details vary by plan, you can typically cancel your plan anytime within the refund period and get a refund if you're not satisfied.
Travel insurance coverages
A comprehensive travel policy gives you the most coverage — it typically includes trip cancellation, trip interruption, lost baggage, emergency medical coverage, emergency evacuation, and more. But each policy and insurer is different, so compare your options carefully. Here's how each of the coverages on a comprehensive policy generally work.
COMPREHENSIVE PLAN COVERAGES
Trip cancellation
Get reimbursed for up to 100% of your prepaid, nonrefundable trip costs if you need to cancel your trip before you leave due to qualifying unforeseen reasons.
Find out how canceled flights are covered.
Trip interruption
If your trip is interrupted for specific unforeseen circumstances covered by your plan, you may be reimbursed up to your plan's limits. Trip interruption covers your unused, prepaid, nonrefundable costs like flights, tours, and accommodations, plus qualifying cancellation fees.
Cancel for any reason
You can add optional cancel for any reason (CFAR) trip protection to some comprehensive policies. If you need to cancel your trip for something other than one of the trip cancellation reasons listed on your policy, CFAR may allow you to be reimbursed for a portion of your prepaid, nonrefundable trip costs (usually 50–75%).*
Medical and dental
If you need emergency medical or dental treatment due to a covered illness or injury during your trip, you may be reimbursed for care costs up to your coverage limits with a comprehensive policy. Treatment for pre-existing conditions is typically excluded from coverage.
Pre-existing conditions
An optional pre-existing conditions waiver may be available on some plans if you purchase travel insurance within a certain time frame after your initial trip payment and you meet all other eligibility requirements. This waives the pre-existing conditions exclusion that applies to many other coverages like trip cancellation, trip interruption, and emergency medical.
Accidental death and dismemberment
If you suffer accidental death or a qualifying injury during your trip, your plan may pay out a benefit to you or your beneficiary.
Baggage loss, delay, or damage
Get reimbursed if your personal property is lost, stolen, or damaged on your trip up to your policy's limits. Learn more about coverage for lost luggage.
24/7 assistance
You'll have access to 24-hour assistance if you need emergency medical care or evacuation, travel support, or business services during your trip.
What doesn't a travel insurance plan cover?
Each travel insurance policy has its own coverages, so read the plan details carefully to understand what's covered and what's excluded.
Cancel for any reason coverage can be added to, but is not automatically included in, some comprehensive plans. Vacation rental damage coverage is only included on a standalone vacation rental policy. Pre-existing health conditions are generally excluded from coverage unless you add on a pre-existing conditions waiver.
Types of travel insurance plans
Through InsureMyTrip, you can compare and quote comprehensive plans or standalone coverages like medical, accidental death, vacation rental, and more. Review the coverage each plan type offers before deciding which is best for your trip. These are the plan types available via InsureMyTrip:
Comprehensive
Comprehensive plans offer the most protection for your trip and usually include coverage for trip cancellation, trip interruption, trip delay, lost baggage, overseas medical and dental, emergency evacuation, 24-hour traveler assistance, and accidental death benefit. You may also be able to add on cancel for any reason coverage.
Travel medical
Travel medical insurance is designed to fill in the gaps of your primary health insurance while you're traveling internationally. This plan is best if you're primarily concerned about emergency medical costs while you're out of the country and you don't plan to get a comprehensive policy, which also includes medical coverage.
Emergency medical evacuation
A medical evacuation plan covers your transport assistance and costs if you become ill or injured while traveling. If your physician and the assistance company feel you'd be better cared for at a different facility, this plan type generally covers your transportation to the nearest suitable facility. If you'd like to determine which hospital you'll be transported to, look for evacuation plans with a "hospital of choice" benefit.
Travel accidental death and dismemberment
Similar to how AD&D life insurance works, an AD&D travel plan can pay out the coverage amount to your named beneficiary if you die on your trip. Many can also pay out to you if you suffer a qualifying serious injury on the trip. The payout would be in addition to any applicable life insurance you have. When you compare AD&D travel plans, you may be able to choose between 24/7 coverage and flight-specific coverage.
Vacation rental
If you're a U.S. resident and your vacation rental is accidentally damaged during your trip, a vacation rental policy can cover up to a set limit of property damage costs. You may be able to choose your coverage limit. Some vacation rental plans also include coverage for trip cancellation, trip interruption, baggage loss, and more.
Remember, comprehensive plans typically include the most benefits. Consider other plans if you only need specialized or increased coverage. Learn more about how travel insurance works.
