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Part of planning for your next vacation should include what happens if something goes wrong — which is where travel insurance can come in handy.
Choosing the right policy can reduce out-of-pocket expenses if you have delays, cancellations, or injuries. But how do you choose from the overwhelming number of travel insurance policies available?
Squaremouth is a travel insurance marketplace and a great starting point for finding a travel insurance policy.
Here’s a look at Squaremouth’s positives and negatives and how shopping for its policies works.
Rather than comparison shopping on individual travel insurance websites, you can do it all on Squaremouth’s website. You see prices across numerous providers and multiple plans from these providers. It’s an excellent tool to start looking for insurance across the many possible plans you could buy.
Squaremouth has a zero-complaint guarantee, promising fair adjudication of your travel insurance claim if you buy a policy through its marketplace. The company advocates for you if you have problems with your insurance provider after buying a policy through Squaremouth’s platform.
Squaremouth is a comparison marketplace where you can compare policies and costs from multiple providers. In this regard, you aren’t buying travel insurance from Squaremouth but are using Squaremouth to find travel insurance.
It may help to think of Squaremouth like Expedia: You shop for flights on Expedia, but Expedia isn’t the airline you’re flying with.
While Squaremouth maintains an excellent 4.8 out of 5 Trustpilot rating (as of August 2025), common complaints stem from confusion that Squaremouth isn’t an insurance provider and can’t process claims. You need to contact your policy provider for policy service.
Additionally, some reviews complain that Squaremouth’s customer service isn’t always available. It has limited online chat hours and requires you to send an email outside those times. Even then, some customers say the responses to emails are slow and aren’t helpful.
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“You get what you pay for” tends to be true when comparing insurance plans from the same provider. More expensive plans tend to include more coverage types and higher maximum payouts in coverage categories. However, that saying isn’t necessarily true when comparing costs between travel insurance providers.
That’s where Squaremouth comes in. You can compare travel insurance across providers, filter for what you want or don’t want, and see how similar policies compare for coverage and pricing. Understand these common travel insurance features to better choose a policy on Squaremouth:
Sometimes, understanding what’s not included can be more important than a list of benefits or choosing the lowest offer when looking at Squaremouth travel insurance reviews and prices.
Exclusions are built into every insurance benefit, so you should review the details. Insurance terminology isn’t fun, but it’s essential to understand whether your trip — destination, dates, activities, and health conditions — will be covered. The only thing worse than not having travel insurance for your trip is paying for travel insurance that doesn’t cover your trip.
Common exclusions include injuries sustained while intoxicated and medical emergencies related to pregnancy. You also aren’t covered when flying a plane, hang-gliding, bungee jumping, or participating in extreme sports unless you get a particular policy with add-ons for those activities.
Most policies also exclude war zones and areas with ongoing hostilities. This could include places like Ukraine, Sudan, and areas with travel safety warnings like Syria or Iran. Ensure you read your policy details to confirm it covers your intended destination.
Travel insurance from Squaremouth costs the same as buying it directly from the insurance provider. There are no markups or fees for buying on Squaremouth’s website instead of buying directly from an insurance provider, such as Seven Corners or Generali Global Assistance.
You can search for several types of insurance from the Squaremouth home page.
You can start in 1 of 2 ways: Click on the different types of policies or enter your trip information. The policy types (as seen above) can be found under the policy search widget on the home page:
If you fill out the information on the home page, providing dates and destinations, the second page will ask for information about the travelers to be covered:
Page 3 asks about trip costs, when you made your first deposit, and whether you have remaining payments. There’s also a yes-or-no option for cancellation coverage related to your trip costs:
From here, you should see a list of results. My search returned 48 policies, sorted by the most popular. You can filter your results in several ways:
After applying any desired filters, you should see only the policies that match your settings. In this example, I filtered for CFAR policies with emergency evacuation coverage of $1 million.
You will see the insurance provider’s name and the plan’s name at the top, plus the provider’s rating and reviews, along with key policy highlights. The right side shares the price, an option to buy the policy, and a Compare checkbox:
You can compare up to 4 policies at once:
If you set any filters for your search, they will be displayed at the top since those are likely your primary concerns. Scrolling down, you can see coverage similarities and differences in other areas, like trip cancellation benefits or lost luggage reimbursement.
Once you find a travel insurance policy you like, you can buy it directly from Squaremouth. There’s no cost savings for going to the provider’s page and buying the policy there. Squaremouth affirms this on its website.
Though Squaremouth offers full policy details, you can visit the provider’s site to verify them if you prefer.
While many people think of travel insurance as a broad-based plan covering everything from delays to cancellations and even medical bills, it is possible to buy medical-focused and even medical-only plans. These medical insurance plans won’t necessarily help you with out-of-pocket costs from delayed flights, but can help if you get sick or injured.
These policies are mixed in with the other results you see when searching for plans on Squaremouth. You can focus on medical insurance plans using filters in the Medical menu. Options include the coverage amount you want and primary policies.
An annual policy may be cheaper than buying multiple policies throughout the year for each trip.
Along with standard information like the number of travelers and where you live, you must also choose a start date, the expected number of trips this year, and an estimate of your longest trip:
For this example, we priced a trip starting August 1, 2025, for 2 travelers (ages 40 and 45), both U.S. citizens living in Texas. We estimated 5 trips this year, with the longest lasting 14 days.
You’ll notice that you don’t need to enter specifics about any particular trip, such as where you’re going or trip cost. You see the same filters on the results page as you would on the standard travel insurance search results.
Compared to the 48 policies available with single-trip insurance shopping, this search provided just 6 results:
Price ranges are incredible here: more than $1,400 difference from the cheapest to the most expensive policy. Notice that the cheapest plan offers medical emergency and evacuation benefits only — no trip interruption benefits.
Many of us book flights with miles and hotels with points. Can these be insured? Usually not. Squaremouth doesn’t have filters for policies that cover redeposit fees for your points and miles.
Some policies (a minority) may cover the fees for canceling an award redemption and putting the points or miles back in your account. To find these, you need to read the full policy details. You won’t find this information in Squaremouth’s comparison charts.
You can search for policies tailored to cruisers, but you can also click on Cruise in the filters after conducting a standard search.
From the cruise search page, enter your travel dates and main destination. On the next page, enter trip costs, deposit date, whether you have remaining payments, and information about the travelers.
For a sample search, we estimated a 1-week cruise to the Bahamas in November 2025. The trip covers 2 passengers (ages 60 and 58) who made a deposit in the past 24 hours but have remaining payments on their $2,000 trip. Policy costs ranged from $155 to $295.
A comparison of the cheapest and most expensive policies shows many similarities. The differences include maximum payouts for various benefits.
While it’s possible to filter for adventure sports in the standard search results, you also can go to the Adventure & Sports Travel Insurance page and begin your search with the types of activities you want to cover:
For example, there are multiple options for scuba diving, including mixed gas and multiple depths. It’s important to choose exactly the sport you’ll be undertaking and the conditions in which you’ll participate. For example, will you be with a guide or a coach? This can change your coverage requirements.
After choosing the sports you want to cover, provide trip details as usual to see the available policies.
If you’re traveling in a group (departing and returning home within 2 days of each other), a group travel insurance policy could help cost-effectively cover everyone. Some important rules must apply for a group policy:
You can enter trip costs per traveler or overall, and you’ll enter each traveler’s birth date. Enter the home state of the majority of travelers, the earliest date anyone starts the trip, and the last date anyone will return home.
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While it’s nice that Squaremouth provides a simple shopping platform, buying travel insurance isn’t the only way to get coverage on your next trip. Some of the best credit cards for travelers also provide robust coverage. Cards like The Platinum Card^® from American Express, Capital One Venture X Rewards Credit Card, Chase Sapphire Preferred^® Card, and Chase Sapphire Reserve^® can protect your next holiday.
Consider these benefits to see if they’re sufficient before buying extra travel insurance:
 
Annual fee
$695 (rates & fees)
Rental car insurance
Secondary car rental loss and damage insurance; covers up to $75,000
Primary insurance; covers up to $75,000
Primary auto rental coverage; covers up to the cash value
Primary auto rental coverage; covers up to $75,000
Trip cancellation and interruption
Up to $10,000 per trip
Up to $2,000 per person
Up to $10,000 per person
Up to $10,000 per person
Trip delay insurance
Up to $500 per trip
Up to $500 per trip
Up to $500 per ticket
Up to $500 per ticket
Baggage insurance or lost luggage reimbursement
Up to $3,000 per person
Up to $3,000 per person
Up to $3,000 per person
Up to $3,000 per person
Baggage delay 
None
None
Up to $100 per day for up to 5 days
Up to $100 per day for up to 5 days
Emergency medical and dental
None
None
None
Up to $2,500 for emergency medical expenses
Travel accident
Up to $500,000 per person
Up to $1,000,000 per person
Up to $500,000 per person
Up to $1,000,000 per person
Emergency evacuation
Included when approved by the Premium Global Assist Hotline
Arrangements only, no costs covered
None
Up to $100,000 with benefits administrator preapproval
Always compare your travel insurance options, whether you’re shopping from multiple travel insurance companies or using travel insurance provided by a credit card.
Squaremouth is a comparison marketplace for travel insurance where you can filter for must-have benefits and compare plans side by side at the same price as buying directly. Seeing numerous plans, comparing them, and understanding their relative costs with just a few clicks is fantastic. We recommend checking your credit card protections first and considering how a travel insurance policy might fill in coverage gaps.
For Capital One products listed on this page, some of the above benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the car rental loss and damage insurance benefit of The Platinum Card^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the trip cancellation and interruption insurance benefit of The Platinum Card^® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the trip delay insurance benefit of The Platinum Card^® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the baggage insurance plan benefit of The Platinum Card^® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the premium global assist hotline benefit of The Platinum Card^® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
You can call 800-240-0369 in the U.S. or 727-564-9203 from outside the U.S. Squaremouth also offers chat with the same hours as phone service: 8 a.m. to 10 p.m. Eastern time daily. Outside these hours, email questions@squaremouth.com.
Specialty Program Group (SPG) LLC bought Squaremouth in early 2023. SPG is a New Jersey-based specialty insurance brokerage firm that also bought Insureon and CM&F in recent years.
Squaremouth is headquartered in St. Petersburg, Florida, and also has offices in Fort Wayne, Indiana. It was acquired by Specialty Program Group (SPG) LLC in 2023. SPG is based in Summit, New Jersey.
Squaremouth was founded by Chris Harvey and Matt Outten and launched in 2003.
You won’t pay extra to buy a policy from Squaremouth instead of directly from the insurance provider. Legal requirements, dictate that Squaremouth can’t charge extra for travel insurance policies, and the comparison engine makes it easy to choose the right policy for your needs.
Buying either way has no cost advantage, whether it’s from Squaremouth or a provider directly. The advantage to buying from Squaremouth is the ease of use for comparing multiple policies.
The information regarding the Chase Sapphire Reserve^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card^® from American Express, click here.
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Ryan completed his goal of visiting every country in the world in December of 2023 and is letting his wife choose their destinations, including revisiting some favorites. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, Point.me, and Forbes Advisor.
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