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Is Travel Insurance Tax Deductible?

Whether you’re in the midst of travel planning during tax season or not, it’s always a good idea to think about how you can save when it comes time to file. For that reason, many travelers ask, “Is travel insurance tax deductible?” The answer is both “yes” and “no.” To help make it clear, we explain what you can deduct below so you have the information you need when planning a vacation.

But First, Plan Your Trip

Before you buy a comprehensive travel insurance policy, though, make sure you book your trip. (And why wouldn’t you? Travel planning on your lunch break is one of the great past times of the working professional!). All kidding aside, though, planning a vacation and making the initial deposits before you invest in a policy could be a money saver. For example, some plans may offer waivers for pre-existing medical conditions if you buy a policy shortly after your first payments. Meanwhile, other policies may only offer trip cancellation for any reason if you purchase them in a specific time frame (e.g. within the first 24 hours after your first trip deposit).

Long story short: If you’re asking, “Is travel insurance tax deductible?” right now, you may be interested in saving money at every step of your travel planning. If so, booking a trip before investing in coverage could both open cost savings during planning and financially protect you if obstacles arise on your trip.

Now That You’re Ready for Travel Insurance, Is It Deductible?

With that out of the way, let’s get down to business: Is travel insurance tax deductible? Like we said, the answer is a little “yes” and a little “no.” Yes, you can deduct travel insurance from your taxes, but only if it’s travel medical insurance. This type of travel insurance qualifies as a medical expense and can be included with other medical expenses in your filing to see if you exceed the threshold necessary to itemize deductions on your tax return.

As for other types of travel coverage, including trip cancellation or coverage for lost or damaged luggage, they’re not considered medical expenses, so they can’t be deducted from your taxes.

There Are So Many Reasons to Insure Your Trip

With that information in mind, a new question you might find yourself asking is, “If I don’t want travel medical insurance, and other types of insurance aren’t tax deductible, should I bother getting coverage?”

If so, the answer to this question is “Yes, there are so many reasons to buy travel insurance.”

First, looking for cost savings via tax deductions could mean you’re interested in finding savings and financial protection in other areas of your life. Travel insurance may be able to offer that protection by reimbursing you if obstacles like flight cancellations, lost or damaged luggage, needs emergency evacuation-and yes, medical assistance-arise.

However, among all the reasons to buy travel insurance, one of the best to remember is that it may be able to grant you some peace of mind. Planning a vacation can be stressful on its own; you shouldn’t have to think about what could go wrong while enjoying your trip. Knowing you’re covered by something like a comprehensive travel insurance policy may be able to help you achieve that when that first vacation day comes.

Find Your Coverage with InsureMyTrip.com

Whether you’re looking for tax deductible travel medical insurance, a comprehensive travel insurance policy, or only one specific type of coverage, the best way to begin your search is by comparing options on InsureMyTrip.com.

As the world’s first travel insurance comparison website, we give you the ability to search and compare plan options from top providers. Our website is also an excellent resource of unbiased travel insurance information, and our dedicated Customer Care team includes licensed professionals who are available to answer your questions about specific policies, inform you of all the reasons to buy travel insurance, and more.

To being looking for the best travel insurance for your needs, start a quote. Then, enjoy your trip.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Which Countries Require Travel Insurance?

As you plan your next international trip, you may be wondering which countries have a mandatory travel insurance requirement. Countries may require travel insurance for different reasons. One of the most common reasons is that the country is part of the Schengen zone. Schengen countries generally will not grant travel visas if specific travel insurance requirements are not met.

Another reason some destinations have a travel insurance requirement is due to diplomatic relations. For example, the relationship between the U.S. and Cuba had historically been strained, so when both countries agreed to allow travel for limited reasons, Cuba’s government stipulated that travel insurance including medical coverage would be required for U.S. travelers.

Many countries are also requiring travel insurance is in response to the COVID-19 pandemic. Though we are past the height of the pandemic, some international destinations still require that travelers arrive with specific travel medical insurance that covers COVID-19.

Which Countries Require Travel Insurance?

Antarctica

Antarctica is a unique destination, with many travel variables that could threaten a traveler’s significant investment in their trip. It is for this reason travel insurance is considered a necessity, in addition to the actual requirements for entry into the country. Required medical coverage varies based on a traveler’s itinerary and the tour operator they are traveling with. However, based on the nature of a trip to Antarctica, it is recommended to also consider at least comprehensive plans that include Trip Cancellation, Trip Interruption, and Medical Evacuation.

Belarus

Belarus requires travelers to provide proof of medical insurance valid in Belarus with a minimum coverage of €10,000 (approx. $10,800 USD). This applies even to transit passengers. Documentation is checked at the border. Source: Belarus Ministry of Foreign Affairs.

Chile

Visitors to Chile are not required to show proof of travel insurance, but Chile does require travelers to fill out an online “Traveler’s Affidavit” less than 48 hours before departure for Chile.

Cuba

Travelers entering Cuba are required to present proof of travel insurance that includes medical coverage. If no policy is presented, travelers must purchase a Cuban insurance plan upon arrival. Coverage must be active for the duration of the trip and include hospitalization and emergency treatment. Official source: Cuba Ministry of Tourism.

Ecuador

While it is not necessary to obtain medical or travel insurance to visit Ecuador, coverage is required to visit the Galapagos.

Egypt

Egypt requires travel medical insurance for certain visa types and tour entries, particularly for stays exceeding 30 days. Policies should cover emergency hospitalization and repatriation. Though no strict minimum is published, most agencies recommend coverage of at least $30,000 USD. Reference: Egypt Tourism Authority.

Iran

Travel insurance is mandatory for visitors to Iran looking to obtain a travel visa.

Jordan

All international visitors to Jordan must have travel medical insurance to enter the country.

Laos

After first reopening borders to U.S. tourists in 2022, Laos now requires visitors to have travel medical insurance that includes coverage for a minimum of $50,000.

Nepal

The government of Nepal has made travel medical insurance mandatory for all visitors to the country. There are some exceptions, so please refer to the Nepal Governement website for the latest information.

Qatar

It is mandatory for all international travelers to Qatar to have travel insurance.

Russia

International visitors to Russia are required to apply for a Visa to enter the country. During this application process, the Consular Division of the Embassy maintains the right to request “medical insurance valid in the country to be visited and fully covering the period of the first trip,” according to the Embassy of the Russian Federation.

Rwanda

Rwandan law requires that any person visiting Rwandan territory must possess health insurance. Any visitors who attempt to enter the country without it may be required to purchase a health insurance plan upon arrival.

Saudi Arabia

All travelers to the Kingdom are required to obtain insurance that covers the cost of treatment from COVID-19 infection.

Schengen Countries

Visitors applying for a Schengen Visa must show proof of medical coverage with a minimum benefit of €30,000 (approx. $32,500 USD). This policy must be valid in all 29 Schengen countries and cover the entire duration of the stay, including medical emergencies, hospitalization, and repatriation. Coverage must also have a zero-deductible clause and be from an insurer recognized in the EU.

The Schengen countries include: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

Seychelles

As part of the Health Travel Authorization process, Seychelles requires all visitors to have travel insurance that covers medical treatment, quarantine-related expenses, and trip interruptions. Minimum coverage amounts are not specified, but the policy must remain valid for the full duration of the visit. Details: Seychelles Health Portal.

Thailand

As of June 2025, Thailand no longer requires travelers to show proof of travel insurance for entry. The previous mandate—linked to COVID-19 coverage—has been lifted. However, the Thai government still recommends that foreign visitors carry medical travel insurance to protect against unexpected costs. Official guidance: Tourism Authority of Thailand.

Turkey

Turkey requires medical travel insurance for individuals applying for certain visa types, including e-Visas. While no specific limit is imposed, recommended coverage includes emergency treatment, hospitalization, and repatriation. A policy with coverage of at least €30,000 ($32,500 USD) is advised. Visa guidance: Turkey eVisa portal.

United Arab Emirates

Tourists from many countries must show proof of medical travel insurance when applying for a UAE visa. The policy should include coverage for emergency treatment and hospitalization. While no fixed minimum is stated, coverage of at least $50,000 USD is commonly recommended. Official info: Dubai Tourism Visa Info.

Ukraine

Ukraine mandates all foreign visitors to carry health insurance that includes emergency care and COVID-19 treatment. The policy must be issued by an insurer registered in Ukraine or accepted by Ukrainian authorities. Coverage must extend through the entire period of stay. Reference: Visit Ukraine.

Note for All Travelers

Even in countries where travel insurance is not mandated, it’s strongly advised to carry a policy that includes emergency medical care, evacuation, and trip cancellation. Requirements can change without notice, so travelers should consult each country’s official government or tourism site before departure.

Disclaimer: The information contained in this article serves as a general overview and should only be used for informational purposes. While this information is updated regularly, travelers should visit the government website for their intended travel destination for the latest requirements.

Quarantine, Isolation, & Shelter-in-Place: What’s the Difference?

The Difference Between Quarantine, Isolation, & Shelter-in-Place

In an attempt to slow the rise in COVID-19 cases, many destinations – both domestic and international – have implemented mandatory quarantine periods for travelers upon arriving from specific destinations. This has caused a great deal of confusion among travelers about which destinations require this, who it applies to, and if travel insurance can help those who have had trip travel impacted by this order.

What is the Difference Between Quarantine, Isolation, and Shelter in Place?

The terms self-quarantine, isolation, and shelter-in-place have been commonly used in regards to the COVID-19 pandemic, but it is important to understand the differences between these.

Quarantine:

Quarantine is defined as mandatory isolation or restrictions on where you can go, intended to stop a contagious disease from spreading. In the case of COVID-19, it applies to individuals who may have been exposed to the virus that causes COVID-19 and have been asked to stay at home under strict guidelines. The Centers for Disease Control and Prevention (CDC) recommends 14 days of self-quarantine as the virus has an incubation period of up to two weeks and individuals can spread the virus to others during this time, even if they are asymptomatic.

Isolation:

Isolation applies to individuals who contract COVID-19. These individuals may be put into isolation in a hospital or at home. If isolated at home, it is recommended to have a designated bedroom and bathroom for the infected individual to use in an attempt to prevent others from getting sick.

Shelter in Place:

Shelter in place applies to a broader group of individuals, and can last for weeks or longer. It is not specifically related to confirmed exposure to the virus causing COVID-19. During this time, individuals may only leave home only for essential activities. These activities may include picking up medicine, visiting a doctor, grocery shopping, caring for a family member in another household, socially distant outdoor exercise, or performing work for an essential business.

What Destinations Require Quarantine Upon Arrival?

The COVID-19 pandemic is an evolving situation with continuous updates and changes to guidelines and policies.

In terms of domestic travel restrictions, the team at InsureMyTrip has aggregated recent data from reliable sources and condensed it into maps, which are continuously updated, to reflect the latest restrictions and guidelines for each state. This map is to be for informational and educational purposes only and is intended to offer travelers guidance regarding domestic travel. Due to the developing situation and lack of uniform reporting methods between states, some information may not be current. Please check the official state website of any state you plan to travel to/through for the most accurate information at the time of travel.

For information on international travel restrictions, we recommend referring to the U.S. Department of State website for specific country information and current guidelines.

Does Travel Insurance Cover Mandatory Quarantine?

Mandatory quarantine may be covered under Trip Cancellation, Trip Interruption, and/or Travel Delay coverages. Coverage may be provided in the event a traveler is forced into quarantine, typically by a physician’s order. Only select travel insurance plans will offer this so be sure to review your policy carefully before purchasing.

Cancellation due to shelter in place, stay-at-home orders, or a state-mandated quarantine are not covered unless Cancel for Any Reason (CFAR) has been purchased.

What if My Destination Requires Quarantine Upon Arrival and My Visit is for Less Time than the Minimum Quarantine Time?

Let’s say you have a weeklong vacation planned in Hawaii. If Hawaii requires out-of-state visitors to quarantine for 14 days and your planned vacation is only for 7 days, you may spend your entire vacation in quarantine. In this instance, a policy with optional Cancel For Any Reason protection is recommended as fear of quarantine is not a covered reason to cancel a trip on any standard comprehensive travel insurance plan. Travelers will want to be sure to insure flights and any other prepaid, non-refundable expenses that they may be paying for prior to departure.

There are some eligibility requirements for Cancel For Any Reason protection, such as insuring 100% of prepaid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason selected can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

*DISCLAIMER: This article is provided for general information and educational purposes only. It is intended only to offer travelers general guidance when comparing travel insurance plans and coverages. Please review any plan carefully before purchasing to identify any exclusions before purchase. For further clarification, please speak with our licensed representatives at 800-487-4722.

Brexit & Travel Insurance

How Did Brexit Affect Travel Insurance for U.S. Travelers?

Brexit had minimal impact on how travel insurance works for U.S. citizens visiting the United Kingdom and European Union. U.S. travelers do not need to purchase separate insurance policies when visiting the UK and then the EU, or vice versa. A single comprehensive policy will generally cover all destinations included in a single trip, regardless of the UK’s EU membership status.

That said, Brexit did mark the end of automatic alignment between UK and EU travel policies. As a result, travelers should pay close attention to entry requirements and healthcare systems when planning multi-country trips across the UK and Europe.

When Did Brexit Take Effect?

The UK officially exited the European Union on January 31, 2020, followed by a transition period that ended on December 31, 2020. Since January 1, 2021, the UK has fully operated outside of EU structures, including those affecting border control and travel policy.

How Has Travel Insurance Changed Post-Brexit?

While coverage for Americans traveling to the UK or EU remains broadly consistent, there are some administrative differences post-Brexit. For example, medical systems in the UK and EU now operate independently, so policies that rely on local healthcare access may differ between regions.

Travelers should consider a comprehensive travel insurance plan that includes travel delay coverage in case of transit disruptions. Optional add-ons like Cancel For Any Reason (CFAR) can also provide flexibility, especially if unexpected changes in entry rules or border procedures affect a trip.

What Should UK Citizens Consider When Buying Travel Insurance?

Post-Brexit, UK travelers may no longer have reciprocal access to EU healthcare systems. A travel medical insurance plan is recommended for anyone visiting the EU, particularly for trips longer than a few days or involving high-cost destinations.

Several UK-based insurers now offer Brexit-specific protections such as “travel disruption coverage” that addresses delays or cancellations resulting from new border procedures or travel policy shifts.

Do UK Citizens Need a Visa to Visit the EU?

No, UK citizens can still visit most EU countries for tourism or business without a visa for up to 90 days in any 180-day period. However, travel beyond that window may require a visa, depending on the country and purpose of visit.

What Has Changed with UK Passports?

Since 2021, UK passport rules have changed for EU travel. British passports must now have:

  • At least 6 months of validity remaining on the day of travel
  • A date of issue less than 10 years before your planned return

These rules apply to travel within the EU and also to associated countries such as Iceland, Switzerland, Liechtenstein, and Norway. They do not apply to travel to Ireland.

Travelers can use the UK government’s passport checker tool to ensure they meet these requirements.

Also note that the EU Pet Passport scheme no longer applies. UK residents traveling with pets to Europe must now follow new procedures. See the full guidance on gov.uk.

Disclaimer: The information provided in this article reflects the current post-Brexit travel environment. Travelers should always consult official government websites and review their policy documents carefully. For personalized assistance, contact one of our licensed travel insurance agents.

How Do I Get Travel Insurance?

How To Get Travel Insurance

Through Your Credit Card

Some credit card companies provide trip cancellation, travel medical, or rental car insurance as a “built-in” benefit. The coverage typically only applies if you use the same credit card to book your vacation or rental car and coverage may be limited. While this can seem like an economical way to secure travel insurance, travelers should be aware that coverage is often minimal, cannot be customized, and may not cover everything you need. Learn more about the difference between credit card travel insurance and comprehensive travel insurance.

Through Your Online Travel Agent or Reservation Website

Oftentimes when you work with a travel agent or book your trip through a reservation website online, you’ll see an option to add travel insurance during checkout. Although this may seem like a seamless way to add coverage to your trip, travelers should know exactly what they are paying for. In many cases, those booking travel are pleasantly surprised by the low cost of coverage and think they’re getting a great deal. Unfortunately, the one-size fits all coverage you receive when clicking the box for travel insurance cannot be customized and leaves you unprotected.

Through a Travel Insurance Provider Directly

Travelers can also choose to buy from one of many insurers directly through their website. While these sites can provide some information and recommendations, each provider only offers their own plans. What’s more is that there’s no way to compare similar plans from other companies if you’re only shopping on one site. Buying directly does not allow travelers to compare pricing and coverage levels. In some cases, direct provider plans leave gaps in the coverage but do not offer supplemental plans to accommodate specific customer needs.

Through a Travel Insurance Comparison Site

With travel insurance comparison site InsureMyTrip, travelers can look for plans from the industry’s top providers all in one place. Customers can also compare plans with varying coverage levels and price points to find the best value for their specific trips. Additionally, travelers shopping on InsureMyTrip have access to thousands of reviews written by fellow customers who actually purchased and used the plans. These reviews can be filtered by provider, specific plan, destination, and even whether or not a claim was filed. The impartial feedback from fellow travelers helps you make an informed decision and find the right plan. Furthermore, InsureMyTrip differs from other comparison sites in that our algorithm uses traveler and trip details to recommend the top-rated and most well-matched plans.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

InsureMyTrip vs Squaremouth

If you’re shopping for travel insurance online using a comparison website, you might be wondering which site is right for you. Sometimes InsureMyTrip is compared to Squaremouth, but how similar are these two sites really?

Which Comparison Site is Best for You?

While the sites offer some similar functionality, InsureMyTrip features:

  • More years in business
  • Unbiased comparison of plans from only our trusted partners
  • Highly responsive and award-winning customer service, which includes licensed travel insurance agents and a one-of-a-kind Anytime Advocates® program that can provide claims assistance

Strong 3rd Party Ratings

InsureMyTrip puts customers first, and the quality of service and responsiveness of the company sets it apart from others comparison sites. After all, how helpful are customer reviews if a company doesn’t respond and resolve customer issues?

Both InsureMyTrip and Squaremouth have over 30k reviews on the 3rd party review site, ResellerRatings. Both companies have excellent overall scores above 4.5 stars.

While Squaremouth has a higher overall rating, InsureMyTrip is proud to rate higher in the specific categories of Customer Service, Reply Back Rate, and Resolution outreach.

InsureMyTrip & Squaremouth Reseller Ratings

(These ratings are based on data from user reviews and are accurate as of the time of publication. Be sure to check ResellerRatings.com for the current comparison between the two sites.)

While we don’t want travelers to run into any issues, we do want them to feel secure in knowing our Customer Care team is available for them six days a week. Our specialized Anytime Advocates® are in constant communication with the insurance providers and happy to help in the event you need to file a claim. This means you can rest assured that you will have our support before, during, and after your trip.

Accredited by the Better Business Bureau

InsureMyTrip is proud to be accredited by the Better Business Bureau (BBB) and has received an A+ rating.

InsureMyTrip versus Squaremouth BBB Ratings

Squaremouth is also listed on the BBB listings with an A+ rating.

We Won’t Sell You a Plan You Don’t Need

While some comparison sites return results for the plans that will make them the most money, the licensed agents at InsureMyTrip only provide recommendations that meet the customer’s needs. To put it another way, InsureMyTrip won’t sell you a plan you don’t need – even if the “best” plan for them is “no plan at all.”

Squaremouth features several of their own comprehensive plans that often appear first when customers search for a plan. On the other hand, InsureMyTrip only shows comprehensive travel plans from our trusted providers.

While it’s true that InsureMyTrip does offer its own IMT Travel Accident Plan, this plan is used as an add-on for travelers looking to supplement gaps in accidental death and dismemberment coverage. Additionally, we will not recommend this plan over other providers’ plans.

This “customer first” approach is not just some arbitrary tagline. Rather, it’s a philosophy that has been part of the InsureMyTrip mission since its founding in June 2000.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. Please contact one of our licensed agents for additional assistance if you have questions. Please note that InsureMyTrip is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Squaremouth or their products. The information presented in this article is true and accurate as of the time of publication.

How Does Travel Insurance Apply to Named Storms?

Why Named Storms Affect Travel Insurance Coverage

A named storm drastically changes the coverage available to you.

When it comes to insuring a trip against the potential disruptions a hurricane brings, it is best to purchase a travel insurance plan as soon as you make your first payment towards any part of your trip. Once a storm has developed, you’ll have fewer options in finding a plan that will meet all your insurance needs.

If you purchased your plan before the storm was named, you might be covered for travel concerns that have occurred due to this storm. Each plan has stipulations that may affect coverage even though unforeseen severe weather, including hurricanes and tropical storms, is generally a covered reason for canceling or interrupting a trip. You’ll want to connect with your insurance provider to understand your options.

When to Buy Travel Insurance During Hurricane Season

Depending on the type of coverage you want, once a storm has been named you’ll be limited to the types of plans and the protection offered, especially plans with cancellation coverage. Whether it’s a tropical storm or a hurricane, once the storm is named, your options to cover events related to the storm are close to none. Understanding the importance of promptly purchasing your travel insurance plan is critical. You can find additional information on hurricane season and travel insurance here.

Understanding Cancel for Any Reason (CFAR) During Hurricane Season

Cancel for Any Reason is only available within a small window of time after your first trip deposit, generally within 14-21 days. Not many travelers seeking travel insurance in the shadow of a newly named storm will qualify, but for those looking to find coverage for the remainder of hurricane season, this should be on your radar.

Need Help With Coverage or Claims?

If you are unsure about what is best for your trip, please contact us to talk to a licensed travel insurance representative today. If you need assistance in filing a claim, please visit our Travel Insurance Policy & Claims Center, where our Customer Care representatives are available to assist.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

How Can I Find The Right Travel Insurance Plan?

We’ve said it before and we’ll say it again – not every trip will need travel insurance. But most will. Finding the right travel insurance plan for you and that specific trip can sometimes be tricky. InsureMyTrip prides itself on finding the right plan for every traveler without any bias or hidden agenda. We know travel insurance and how to choose it, so let’s start at the beginning.

What Type of Trip are You Taking?

If you are going up the road to visit Grandma this holiday season, you are most likely not going to need a travel insurance plan. However, if you are flying at any point during this trip to see Grandma, say across the country or to a neighboring region, you should strongly consider insurance. Trips that involve flights increase the risk of travel mishaps, such as delays and lost baggage, which can end up costing you money. Comprehensive plans offer benefits to help reimburse costs associated with covered travel and baggage delays as well as lost or damaged baggage.

If you are going on a weekend road trip with the kids and staying in a refundable hotel room, you are not really looking at any trip costs that would need to be insured. But if your weekend trip with the kids involves a quick flight to the city where you are you are staying two nights and going to see an expensive show, you may want to consider insuring your investment.

Regardless of the trip, you can insure any trip you are taking more than 100 miles away from home which includes pre-paid expenses that are subject to cancellation penalties. If you are worried about the possibility of losing money due to unexpected changes or travel mishaps, insure the trip!

How Much of Your Trip is Pre-paid and Non-refundable?

Travel insurance is only going to cover trip costs that are paid prior to your departure which is subject to cancellation penalties. Any pre-paid expense that would not be fully refundable in the event you have to cancel or interrupt your trip needs to be insured, or it may invalidate some coverages on the plans. Before you purchase a travel insurance plan, consider your trip costs. Add up all the costs that are non-refundable to determine the insurable amount.

Typically, travelers will insure flights, hotel stays, all-inclusive vacation packages, tour packages and even event tickets at their destination. While some of these things can sometimes be refundable, many times they aren’t. The key is to know that travel insurance will only cover anything pre-paid and non-refundable. You’ll only be reimbursed for the money that you lose.

Have You Fully Compared Plans Before Purchasing?

We don’t recommend just picking the first travel insurance plan listed in your quote results – first, figure out what your main concerns are, what your budget will allow and select the plans that fit those criteria. Our site is built to allow travelers to pick several plans to compare all at once. Take advantage of that! You can filter and compare based on the benefits that mean the most to you.

Most comprehensive travel insurance plans will be similar – offering coverage for trip cancellation up to 100% and trip interruption up to 100-150% of your pre-paid non-refundable trip cost. But when you start looking at travel delay benefits, baggage protection limits and emergency medical coverage, you will see that there is a wide range of benefit limits.

By using the comparing engine with InsureMyTrip, you can truly find the right travel insurance plan for you and your traveling companions.

Is This Price Right for What I’m Purchasing?

Every plan, whether comprehensive, travel medical or something else, comes with their own unique coverage that affects the premium. Also, it’s important to recognize that not only the cost of your trip but the age of the travelers, the destination and the length of the trip often affects the premium as well. A lot goes into the price of the travel insurance plan you chose.

Truth is, InsureMyTrip guarantees that the plans on our site are the best price available for that plan. You will not find a better price for the plan you choose, anywhere. So you can rest easy when you purchase a plan from InsureMyTrip. You can insure your trip so you’re comfortable without worrying about saving money elsewhere.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Who is Covered in My Travel Insurance Plan?

Are my kids included in this plan? What if my father is injured at home when I’m away? Can my girlfriend/boyfriend be on my plan too?

First, for the most part, you can insure all the travelers on one plan. The InsureMyTrip online quote tool allows you to insure up to 10 travelers under the age of 100. It is crucial you include the ages of all the travelers in the quoting process for them to be included in the coverage.

Each provider and each plan has a different way of addressing types of travelers and non-travelers. It’s crucial to understand how the plan covers each person. If you have to file a claim at any point, this information will help the process remain stress-free.

Children

Insuring your kids when you travel is worth it. Kids are wacky with wild imaginations that sometimes result in scrapes, bruises or even broken bones. Not to mention, they are germ magnets! Whether you are traveling domestically or internationally, adding your children to your travel insurance plan will add a level of security to your travel investment that may be the most at risk. Don’t let another ear infection cost you hundreds of dollars in rescheduling or cancellation fees!

Huge Benefit: Many providers have plans that cover your children at no additional cost.

Residing in Different States

If travelers live in different states, you’ll most likely need two plans. While some providers may have the ability to sell plans to residents of different states, it’s rare. Most states have their own regulations for travel insurance, meaning the plan details can be different for each traveler.

Huge Benefit: Any necessary claims process will be streamlined with two plans because you won’t need to gather documentation across state lines.

Domestic Partners

If you are traveling with a girlfriend or boyfriend that you live with, you can both be covered by the same policy. Most providers include a domestic partner as a family member. Typically, in the case of a claim, providers may request proof of cohabitation and financial interdependence (credit card statements, joint accounts or a shared lease agreement). In some cases, providers may want to see an affidavit of domestic partnership, if recognized by your state.

Huge Benefit: This documentation also can extend to benefits if a domestic partner is a non-traveler.

Non-Travelers

Remember, coverage and benefits extend to only travelers. Your travel medical coverage will not help a non-traveler and they cannot file a claim for lost baggage. Your travel insurance plan does, however, cover you for travel interruption, cancellation or delay in the case of a non-traveler causing this need. For example, if one of a parent falls and breaks a hip or a child becomes ill. It may be prudent to ask about how pre-existing conditions affect the plan as many providers look at this differently for travelers and non-travelers alike.

Huge Benefit: You can get home as soon as possible without worry about your travel costs if you are needed at home due to illness or death of a family member.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Do I Need Travel Insurance?

The short answer is: Maybe. If you are planning a trip and hypersensitive to unknown medical expenses or lost money due to cancellation – travel insurance will most likely be right for you.

A Quick Checklist for Needing Travel Insurance

  • Are you traveling abroad or more than 100 miles away from home?
  • Are you hyper-aware of the cost of your travel arrangements?
  • Are you concerned an injury or illness of you or a loved one may affect your trip?
  • Are you traveling during a heightened risk of severe weather, like the holidays or hurricane season?
  • Does your trip include prepaid home rentals, car rentals or event tickets?

Travel insurance isn’t a great investment for every trip, however. A road trip to Grandma’s house probably doesn’t need to be insured – unless your road trip takes you coast to coast. Likewise, a couple planning a weekend getaway close to home probably won’t need it. Anybody traveling abroad or more than 100 miles from home should consider travel insurance as a serious investment.

Do I Really Need Travel Insurance?

Buying a plan is a smart move if you are feeling cautious about the cost of your trip, possible illness or injury of you or a loved one, or potential weather-related cancellations or interruption. Travel insurance can add an extra level of protection if you are traveling with any children. In most cases, children can be added to a plan without any additional cost to the premium. Whether your trip is short or extended, we can find a plan to cover you and your companions.

When considering a plan, take inventory of the components of your trip. Pre-paid vacation home rentals, car rentals, and event tickets are more unconventional items to insure, yet they can be costly if forfeited due to an unexpected circumstance. If these costs are added into the total pre-paid cost of the trip, a comprehensive travel insurance plan could protect you if your trip should be cancelled or interrupted.

If you still aren’t sold on the idea, give us a call! We have travel insurance experts licensed in your state ready to answer your questions and find the right plan for you. Or, browse the Travel Insurance Review section of our website to see what previous customers have said about their purchase and experience.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

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