9 Travel Insurance Options for Every Type of Traveler

Nine Travel Policies Designed for Every Kind of Traveler

Best for trip delay coverage

Faye provides a single-trip package with add-ons for vacation rental damage, adventure sports, and pet care. After a six-hour delay, trip delay coverage runs up to $300 daily and $4,500 per trip. One hundred percent of claims are digital. If it is purchased within 14 days of the initial trip deposit, a pre-existing condition waiver is possible. Purchased within 14 days of the initial trip deposit, cancel for any reason coverage returns up to 75% of nonrefundable travel expenses. Faye only offers one plan; hence, rates could be higher than those of other companies.

Best for customization

AIG Travel Guard provides an annual plan, a Pack N' Go plan for same-day travel, and Essential, Preferred, and Deluxe plans. Add-ons cover rental cars, dogs, adventure sports, and wedding cancellals. One child under 17 is included in adult policies. After five hours of delay, a $1,000 travel bonus is offered. One can quadruple both medical treatment and evacuation limits. A pre-existing condition waiver is available if purchased within 15 days of the first trip deposit. Add-on to Preferred and Deluxe cancel for any reason coverage reimburses 50% of travel expenses within 15 days of the initial payment. Remember that not everything can be purchased online.

Best for speedy claims

Berkshire Hathaway Travel Protection offers basic, mid-level, and top-end policies as well as cruise, flight, and adventure travel policies. All plans call for rental car accident coverage, and within 14 days of the trip, the deposit is a pre-existing condition waiver. The standard ExactCare package covers rental car collisions for $35,000. Sometimes, with same-day pay, their claims process is five times faster than that of rivals. Within 15 days of purchase, the add-on Cancel For Any Reason benefit on the LuxuryCare plan returns half of the nonrefundable trip expenses. Additional accessories are not present.

Best for adventure travel

Standard, Explorer, Epic single-trip plans and an annual/multi-trip plan are available from World Nomads. Their coverage spans over 200 adventure activities and is mid-trip extendable. The Standard Plan calls for an emergency evacuation funded at $300,000. Explorer and Epic plans bought seven days before the initial deposit come with a pre-existing condition waiver. Purchased seven days before the first deposit (unavailable in New York), Cancel For Any Reason coverage reimburses 75% of nonrefundable expenses. Policies are limited to passengers 69 and younger, and trip cancellation limits are lower than certain suppliers.

Best for families

Travel Insured International provides cruise policies and coverage for single-trip, multi-trip, and annual travel. Two add-ons are a travel convenience bonus and a Cancel For Any Reason. Their Platinum proposal calls for $500,000 in medical coverage. Cancellation of a trip is covered under job loss. Under 17 years old children are protected under each adult on the Platinum and Deluxe policies. A pre-existing condition waiver is available 21 days after the first trip deposit. Purchased within 21 days of the first trip payment, Cancel For Any Reason coverage returns 75% of nonrefundable charges. The Essentials plan provides little personalization.

Best for cruises

Nationwide provides single and multi-trip plans, cruise insurance, and add-ons, including CFAR and rental car coverage. Their basic Universal Cruise package costs $250,000 for emergency evacuations and $75,000 in emergency medical coverage. Single-trip plans bought within 20 days after the first trip deposit—14 days for cruise insurance—have a pre-existing condition waiver attached. A ten-day review period is available—not in New York or Washington. Additionally, with 100% reimbursement, they provide a Cancel For Work Reasons benefit. Note limited add-ons and that baggage delay calls for a 12-hour delay.

Best for senior travelers

Many businesses serve, especially older adults. Travel Insured International provides flexible pre-existing condition waivers and high medical coverage limits ($500,000 on the Platinum plan). Additionally, giving child coverage via adult policies is Allianz. Seven Corners provides coverage up to age 99 and lengthier pre-existing condition waiver periods. Faye has a quick claims system, and GoReady by Aegis offers add-on customizable pre-existing condition waivers with no age restrictions.

Best for pre-existing conditions

Search for policies with a pre-existing condition waiver. Ensure you are medically fit to travel, buy within the 14–21 days following your initial deposit (based on policy), and insure the entire nonrefundable trip cost. Usually, stable pre-existing conditions are covered during the 60 to 180-day look-back period. Review precise exclusions since waivers do not cover pregnancy, mental illness, or drug misuse problems.

Backpacker insurance

Plans catered for backpackers from World Nomads provide coverage for many activities and the option to purchase or extend policies on the road. Another choice for backpackers—especially those from Europe—True Traveler provides customizable plans and coverage for adventure sports. Consider medical coverage, evacuation, repatriation, trip cancellation or interruption, personal liability, and covered or excluded activity. Lonely Planet and Contiki endorse World Nomads.