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It’s much less exciting to buy travel insurance than to plan the trip you’re going on, but it can be a real lifesaver if things go awry during your travels. With the average trip cost in 2025 nearing $4,000 for a couple,¹ a travel insurance policy can help you recoup those funds and cover any unexpected expenses that arise.
With over 4,800 travel insurance businesses in the U.S.,² picking a travel insurance policy that fits your needs can seem nearly impossible. Like any insurance policy search, choosing the right provider and travel insurance policy can be overwhelming.
Here’s everything you need to know about where to buy travel insurance and some of our favorite travel insurance providers.
Most travel insurance policies can be purchased online, and you can easily customize the policy to your exact needs. However, like other insurance policies, each provider will charge different amounts for various coverages, so the best first step is to get quotes from several travel insurance providers.
If you prefer to purchase an insurance policy in person, visit a local insurance broker to see if they offer it. For example, AAA, Progressive, and Travelers offer travel insurance and may have an office in your area to visit. However, you should call your local office first, as they may direct you to purchase a plan online.
Another factor to consider is how efficient the claims process is if you need to file one. Insurance claims can always be somewhat of a headache, so keep that in mind. My recent travel insurance claim was a pain that lasted for months. Knowing the claims process and experience beforehand is impossible, but it may be worth looking at online review boards to hear about other travelers’ experiences.
When you begin shopping for a travel insurance policy, a good place to start is a comparison website like InsureMyTrip or Squaremouth to see the cost of coverage and what companies may be a good fit for you.
We’ve covered several large travel insurance providers for their pros and cons. Consider checking out one of these brands for your travel insurance needs:
There is an endless list of travel insurance policy providers, but each will likely provide slightly different coverages at different costs. Like any other insurance policy, shopping around is the best thing to do. Here are the line items to be on the lookout for to give you the best coverage:
You can get several other coverages, including personal liability, high-value item coverage, and more. As you shop around, find out what each insurer offers and determine whether or not you need the coverage.
There are several ways to assess your travel insurance needs based on how you travel and your budget. Here’s how you can think about your travel insurance policy needs:
On average, you should expect to spend 5% to 10% of the trip’s overall cost on a travel insurance premium. If your trip is $5,000, expect to spend anywhere from $250 to $500. This amount will vary widely based on the coverages needed.
There are a few things to look out for when searching for travel insurance:
You can get your travel insurance covered at no additional cost instead of purchasing travel insurance policies regularly. Many travel rewards credit cards come with complimentary travel insurance. The only stipulation to have this is using the card for your travel expenses.
I’ve had dozens of travel credit cards, many of which come with comprehensive travel insurance policies that give me coverage as I travel. Thankfully, I’ve only had to make 1 travel insurance claim with my Ink Business Preferred^® Credit Card, giving me coverage when my rental car had $7,000 in damage from a hail storm.
For example, my favorite credit card is the Chase Sapphire Preferred^® Card for its benefits and earnings. The Chase Sapphire Preferred card’s comprehensive travel insurance is a major reason it’s my staple credit card. The travel insurance coverage includes:
This coverage is pretty broad, so if you don’t need any specific travel insurance coverage, a travel credit card with travel insurance may offer enough. If you have a specific trip that needs further coverage, purchasing a travel insurance policy could be a good idea.
Travel insurance is always worth having, regardless of your travel plans. You never know when travel plans go awry, you need to cancel at the last minute, or you need unexpected medical care.
If you’re just starting your search, get several quotes online or in-person to find the most coverage for the lowest price possible.
The average cost of travel insurance is 5% to 10% of the trip cost. If your trip costs $10,000, expect to pay anywhere from $500 to $1,000.
The easiest way to get travel insurance is online. There are dozens of insurers where you can get a policy online in just a few minutes.
There is no single best company for travel insurance, as it depends on the coverage you need.
Some do, yes. Whether your medical records are checked will likely depend on the coverage you need.
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Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.
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