Compare Travel Insurance Plans and Quotes

Choose from 42 travel insurance plans organized into three tiers: basic, comprehensive and premium. The main differences are medical coverage limits ($25,000 to $1 million), evacuation amounts ($100,000 to $1 million) and access to cancel for any reason coverage.

Basic plans cover essential trip cancellation and medical expenses for healthy travelers on standard trips under $5,000.

Comprehensive plans offer the best coverage-to-cost ratio at 5% to 8% of your trip amount. Most trips between $2,500 and $15,000 fit here.

Premium plans max out coverage limits but cost 60% to 100% more than comprehensive options. Consider premium if you're over 70, planning high-risk activities or taking expensive trips over $20,000.

See our ranking of the best travel insurance companies and cheapest travel insurance plans.

Comprehensive plans add cancel for any reason as an optional upgrade and include pre-existing condition waivers if you buy within 14 to 21 days of your trip deposit. These plans cost 5% to 8% of your trip amount and cover the vast majority of travel scenarios, from missed connections to emergency surgeries abroad.

Premium plans include higher per-item baggage limits ($2,000 to $4,000 vs. $1,000 to $1,500) and rental car coverage that comprehensive plans often exclude. The extra cost makes sense if you're traveling with expensive camera gear, need primary medical coverage instead of secondary or want maximum protection for a once-in-a-lifetime trip.

Premium plans have the highest coverage limits ($250,000 to $1 million medical) and specialized features for expensive trips, seniors or high-risk activities. They provide maximum financial protection but cost 60% to 100% more than comprehensive options.

Prices vary by company even when coverage is nearly identical. The table shows what 42 plans cost for $2,500, $5,000 and $10,000 trips. Compare plans within the same tier (basic, comprehensive or premium) across companies to find the best value. A comprehensive plan from one company can cost 50% more than a similar plan from another, so checking multiple options saves you money.

Learn more about travel insurance costs and coverage:

1. Best Travel Insurance Options for Seniors (Aged 65 to 80)
2. Cheapest Travel Insurance Plans and Companies
3. How Much Does Travel Insurance Cost?

Compare providers like the ones in the table below:

Travel insurance gets cheaper as a percentage of trip cost. You'll pay 12% to 18% to insure a $2,500 trip but only 8% to 12% for a $10,000 trip. Use the table below to estimate costs for your trip amount, then compare across plan types to see where premium coverage fits your budget.

Travel insurance costs stay relatively flat until age 50 . Seniors pay more for travel insurance due to increased medical risks, with the biggest increases after age 70.

Your destination affects insurance cost, but less than age, trip cost or coverage terms. Certain regions have higher insurance costs due to higher medical costs, political instability or natural disaster risks.

*The quotes above are based on a traveler aged 20 to 50 with a trip cost of $2,500.

Popular tourist destinations have standard pricing. This includes European countries, Thailand, Japan, Australia, New Zealand and Canada.

Greece, Turkey and Mexico cost 8% to 15% more to insure. Greece's remote island locations increase evacuation expenses, while Turkey's proximity to political instability raises costs.

India, Brazil and parts of Africa cost 15% to 25% more to insure. India's limited medical infrastructure means insurers often need to arrange medical evacuations to better-equipped facilities, driving up costs.

MoneyGeek's expert resources for travel insurance: