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Compare Travel Insurance with InsureMyTrip's SMART System

The SMART System recommends the right plan for every traveler, every time.

Travelers can have vastly different coverage needs. SMART by InsureMyTrip delivers what's most important for each of them.

Combining continuous learning through user interactions, vast libraries of data collected from past travelers, and over a thousand coverage options available on, SMART recommends the right plan for every unique trip.

You Can Trust the SMART System

What is the SMART System?

InsureMyTrip is passionate about doing the right thing for travelers, employees and business partners. As InsureMyTrip strives to meet this mission, we embark on a new era of travel insurance comparison: the SMART system.

SMART is InsureMyTrip’s proprietary algorithm that taps into thousands of data points to find the right travel insurance plan for any traveler. SMART continues InsureMyTrip’s mission to deliver innovative, honest, and transparent solutions by providing travel insurance quotes that fit the customer’s given travel information.

The SMART System and COVID-19

The Coronavirus pandemic was an unprecedented event no one in the travel insurance industry was ready to navigate. Due to the ever changing nature of the pandemic, the SMART System does not take into consideration coverage options for COVID-19 related concerns. We have created a separate tool that lists our top plan recommendations that provide benefits for a travelers COVID-19 related concerns. When you get a quote on our website, you'll be prompted to view those recommendations on the results page.

No Provider Pays for a Better Spot

None of our travel insurance providers provide compensation to InsureMyTrip for being recommended over the others. InsureMyTrip is committed to finding the right plan for every trip, regardless of our sales expectations. All of our recommendations are based on data points that are unedited by the travel insurance providers with the travelers’ needs in mind.

A Expert Recommendation for Every Trip

Travelers can have vastly different coverage needs, and SMART's goal is to deliver what's most important for each of them. Combining continuous learning through user interactions, vast libraries of data collected from past travelers, and over a thousand coverage options available on, SMART recommends the right plan for every trip.

Every trip you take is different from the one before and the one after. InsureMyTrip is taking steps to ensure that all travelers find the plan that fits their specific trip details. Because of this, we consider your trip itinerary when making recommendations.

For Your Next Cruise

InsureMyTrip has a variety of travel insurance plans that are better options for travelers who are taking a cruise. Cruisers have specific coverage needs that other travelers will not need to consider. Because of this, our recommended cruise plans have coverages that are may benefit cruisers more than a traditional comprehensive plan, such as inconvenience coverage for itinerary changes due to severe weather or coverage for an onboard service disruption due to widespread illness.

Customers of InsureMyTrip will see our unbiased recommendations for cruise travel insurance if they indicate they are taking a cruise for their trip. If your trip includes more travel types than the cruise, we will recommend a traditional comprehensive plan.

For Your Next Trip During Winter Months

Winter weather brings its own set of challenges to traveling. Our expert recommendation engine understands this and anticipates the probability of needing excellent coverage for weather-related cancellations, travel delays and missed connection while traveling during winter months. By looking at the dates of your next trip as well as the state or province in which you reside, our engine will find three travel insurance recommendations for your trip.

For Your Next Trip During Hurricane Season

The Atlantic Hurricane Season runs from June 1 to November 30 every year. InsureMyTrip knows that traveling during this time, especially to a destination prone to hurricanes, brings certain risk. Some comprehensive plans include coverage for specific to hurricane warnings or severe weather, such as a warning from the NOAA Hurricane Center. When InsureMyTrip identifies travelers who fit criteria that may heighten their risk of being affected by hurricanes and tropical storms, we can recommend the best travel insurance option available.

More specifically, if travelers are taking a cruise during Hurricane Season - we've got them covered too. Our SMART System can recommend the best options for cruisers taking ot the seas between June 1 and November 30. When quoting travel insurance with InsureMyTrip, customers will see our recommendations, marked with orange sashes, that are pinpointed for either having coverage for NOAA warnings or specific cruise benefits.

For Your Next Trip that May Only Include Airfare

When you purchase a comprehensive travel insurance, you only need to insure your pre-paid, non-refundable costs. For some travelers, this may only mean their airfare. With InsureMyTrip's unbiased algorithm for flight insurance plans, travelers can find the best options for comprehensive coverage for their flight, at a reasonable price. Customers will only see these recommendations if the only trip detail added to their quote information is "Taking a Flight".

The comprehensive plans offered by the algorithm provide more covered reasons to cancel a trip than typical ticket protector plans offered by airlines, such as delays due to weather or employee strike. These plans also include benefits like baggage, travel delay, and missed connection to help you while you're traveling. Don't forget: while we want you to find the plan that's right for your trip and budget, some plans require you to insure the total pre-paid, non-refundable trip cost to secure benefits. You can find the details in the plan certificate.

After finishing the quote details and upon reviewing travel insurance plans with InsureMyTrip, you will see our unbiased recommendations marked to denote the coverage uniquely offered with these plans. Typically, they will point out coverage for cancellation due to weather and/or mechanical breakdown.

For Your Next Trip

Comprehensive travel insurance plans take many forms. Our site has nearly 1200 different options that are narrowed down by the traveler and trip details, such as your destination, travel dates as well as traveler ages, residence and citizenship. After all that is taken into consideration, you could be left with upwards of 50 plans to choose from!

InsureMyTrip aims to take the headache out of choosing a travel insurance plan. We run each and every plan through our algorithm to find which plan is the best for you based on a variety of proprietary indicators and your travel insurance you provided. InsureMyTrip has found three plans that are great options for your trip that are tailored to various price points: the Superior Plan, the Strong Value Plan, and the Good Buy Plan.

What is the Superior Plan? Our Superior Plans have the most covered reasons for cancellation and interruption and the highest benefit limits for travel delay, baggage and emergency medical benefits.
What is the Strong Value Plan? Our Strong Value Plans provide excellent coverage at a moderate price providing a nice balance and blend between the two.
What is the Economy Plan? Our Economy Plans provide good coverage that fits most travelers’ needs.