Find the Right Travel Insurance for Your Trip

Insurdinary makes it simple to find affordable travel insurance. You can easily find plan options and compare quotes to find the coverage you need for your trip.
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Insurdinary Aims to Make Travel Insurance
Accessible and Affordable for All

Whether traveling for business, school, or vacation, many people worldwide invest in travel insurance to help cover the costs of unexpected delays, cancellations, illnesses, and other events. In 2021, the global travel insurance market reached a value of $14.2 billion, and experts expect the industry to grow to $124.8 billion by 2031.

This expected rise is partly due to increased concerns regarding the COVID-19 pandemic. Many insurance providers consistently offer new policies to meet the expanding needs of today's travelers.

Travel insurance plans offer a range of coverages, including:

  • Flight delays and cancellations
  • Baggage delays and losses
  • Doctor's office visits
  • Hospital visits and stays
  • Medication costs
  • Emergency transportation services
Travel health insurance covers illnesses and injuries that occur while traveling, not pre-existing conditions.

Up to 41% of U.S. travelers visiting other countries choose not to buy travel insurance. Among this group, 42% say they don't do so because it costs too much, but the same survey found that doctor's office or hospital visits cost an average of $1,295 without insurance.

Unexpected medical events, such as falls, auto accidents, and illnesses, can cost uninsured travelers tens if not hundreds of thousands of dollars.

Despite its importance, travel insurance rates will continue to rise at a rapid pace over the next decade. Insurdinary is here to help you find the best plan for your needs at the lowest possible rates.

Find a Travel Insurance Plan in 3 Easy Steps

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1. Find a Plan

Tell us a bit about yourself for a list of travel insurance plans that meet your needs.
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2. Customize Your Plan

Compare plans point by point to understand each option's eligibility requirements, restrictions, and coverage.
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3. Quote and Apply

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How the Travel Insurance Industry Works?

Lack of awareness represents a primary limiting factor in the travel insurance market. Many assume they cannot afford it, don't think they will need it for a short vacation, or simply don't remember that it's an option.
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Travel Insurance Options

Travel insurance plans vary depending on the company's offerings and the needs of the policyholder. A plan may include one or all of the following coverage types:

Trip Delay, Interruption, or Cancelation Coverage

Travelers sometimes face unexpected expenses when severe weather or other factors cause trip delays, such as the costs of lodging and food. Travel delay coverage helps reimburse travelers who experience delays due to covered reasons.

Vacations and other trips can get interrupted by injuries, illnesses, civil unrest, natural disasters, and other unexpected events. Trip interruption coverage helps reimburse trip costs if the traveler must return early.

Trip cancelation coverage helps reimburse lost deposits on canceled flights, hotel rooms, and other nonrefundable costs. The most flexible plans offer Cancel For Any Reason (CFAR) coverage, which reimburses costs regardless of the reason for the trip cancellation.

Delayed, Lost, or Damaged Baggage Coverage

Another common anxiety when travelling abroad occurs when airlines misplace or damage baggage. Travelers dealing with delayed luggage benefit from travel insurance plans offering baggage loss coverage. Most policies will only pay out for delayed, lost, or damaged baggage claims up to a predetermined maximum amount.

Policies with baggage coverage often require policyholders to report any losses to all necessary authorities in a timely manner, including the airport, airline, police, hotel personnel, and others.

This coverage proves essential for many travelers who face baggage loss, theft, and damage. Belongings that may not be covered by these policies include:
  • Cash
  • Expensive artwork
  • Pricey jewelry
  • Heirlooms and antiques

Medical Treatment and Emergency Transportation Coverage

Usually, travelers can use their domestic health insurance policies to help cover medical costs when they travel in their own country, but other countries won't accept these plans. Travel health insurance helps cover the costs of emergency doctor visits, hospital stays, and medications in the event that a traveler suffers an injury or illness while abroad.

Emergency ambulance rides and health evaluations can cost many thousands of dollars, as can emergency medical evacuations. Without coverage, travelers risk becoming stuck in the countries they visit because they cannot afford the transportation costs of returning.

Travel insurance experts especially recommend coverage visiting remote parts of the world, where emergency evacuation involves very high costs.

5 Reasons Why People Don't Invest in the Travel Insurance

Insurdinary helps you find affordable travel insurance plans by scouring suitable policies from a vast network of reputable providers. We'll ensure you get the coverage you need at the lowest price.

There are reasons why travelers forgo the purchase of travel insurance.
Illustration Personal Life And Wellbeing

It costs too much

Travel insurance costs typically range between 4% and 10% of the trip cost, so coverage for a $2,000 vacation may cost between $80 and $200. Travelers may struggle to cover these costs or assume these plans cost more.

The vacation is short

More than a quarter of survey respondents reported that their trips were too short to warrant this investment. We understand this sentiment but urge travelers to remember unexpected events can compromise even a brief trip overseas.

They forget

Most people deal with other insurance policies on a regular basis, such as car insurance, home insurance, and domestic health insurance. Unless you travel often, you may not consider travel insurance a necessity for financial security abroad.

It isn't necessary for the countries visited

Travelers may feel safer or less concerned about travel delays and cancellations when traveling to certain countries, but even domestic travels can face sudden disasters, restrictions, and other events.

It's a waste of money

Some consider travel insurance a waste of money. We understand if you're not convinced you need a travel insurance plan, but we believe you cannot undervalue peace of mind.

Do I Really Need Travel Insurance?

Those who choose not to purchase travel insurance should consider the potential financial hardship of facing a medical emergency, natural disaster, or other unexpected event without coverage. Even if you're a seasoned traveler, you can experience unforeseeable accidents and illnesses and find yourself in unstable civil situations when traveling abroad. Purchasing travel insurance provides peace of mind because it helps prepare for the events you cannot see coming.

Let's explore the primary reasons why you should invest in health insurance for your next international vacation or business trip.

Your Destination May Require Travel Insurance

The country you want to visit may require travel insurance by law. Many countries required visitors to have medical travel insurance during the height of the COVID-19 pandemic and continue to enforce COVID-related insurance requirements.

For example, Bermuda requires unvaccinated travelers to have travel health insurance as of Aug. 22, 2022. The policy must not exclude coverage for COVID-19 treatment.

Before you book a vacation abroad, research the country's visitor requirements to ensure that you have the coverage you need. If you cannot provide proof that you hold the necessary insurance, the country may not allow you entry.

Travel Health Insurance Encourages Proactive Care

No one enjoys getting sick or injured while on vacation, but travelers may be less inclined to seek medical attention if they don't have travel health insurance to help cover the costs. You may ignore a new rash, fever, or cough while visiting another country rather than pay out-of-pocket for local healthcare. Unfortunately, even mild symptoms may indicate serious medical problems that require attention as quickly as possible.

Investing in travel health insurance may help travelers seek medical care more readily because they don't have to worry about how they will pay for it.

Travel Insurance Helps With Unexpected Costs

Some find travel insurance unnecessary, even when traveling internationally, but no one can anticipate the unexpected. Homeowners don't know ahead of time when their homes will be burglarized or threatened by a fire, just as people can't predict personal and world events that may affect their travel plans or threaten them or their belongings.

Although travelers can adopt certain habits to help protect their personal items and their health in another country, natural disasters, thefts, and medical emergencies can strike without warning. Being prepared with a travel insurance plan may make all the difference.

Travel Insurance Provides Peace of Mind

Whether you're going on a cruise, a work trip, or a long vacation, you deserve to enjoy your time abroad instead of worrying about what might happen. In a world where it's impossible to account for the unexpected, travel insurance gives vacationers and other international visitors the peace of mind to enjoy their tips without extra stress.

If you purchase a travel health insurance policy, it may not cover dental or maternity costs or medical costs related to a pre-existing condition. Be sure to read your policy carefully to ensure you have the coverage you need.

Choosing The Right Travel Insurance Plan

Travelers have several options for finding travel insurance, including:
  • Private insurance companies
  • Booking engines
  • Airline and other travel providers
  • Travel agents
  • Credit card providers
Travelers may opt to purchase add-on coverage from the airlines they fly with or the companies who book their trips. Other travelers have credit card travel perks but still invest in additional coverage to help pay for uncovered expenses and reduce their out-of-pocket costs.

Insurdinary helps travelers find and compare plans to find affordable travel insurance.
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Select the Best Benefits for Your Trip

Choosing the right benefits for you will depend on where you're going, how often you travel, your age, and other factors. For example, if you travel often, you may invest in a policy that provides long-term coverage rather than a policy that only covers a single trip.

You may also ensure your policy covers trip interruptions and cancelations if you're traveling to a country with recent civil unrest or unpredictable weather.

Examples of coverages you may pursue on your travel insurance policy include:
Get coverage for:
Trip delay
Baggage loss or theft
Trip interruption
Rental car damage
Trip cancelation
Illness or injury
Baggage delay
Emergency medical care
Damaged baggage
Emergency transportation
And More...
Different providers will offer different coverage options. Finding the best plan for you means comparing policies from leading providers.
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How to Choose and Customize Your Travel Insurance Plan

Insurdinary will provide all the information you need to compare travel insurance plans and choose the best one for you. We'll present each policy's benefits, exclusions, and conditions, so you can make an informed decision.

Let's look at the most important factors to consider when choosing the right coverage for your trip.

Average Cost of Travel Insurance

Travel insurance typically costs between 4% and 10% of the trip's total cost. For example, a trip that costs $5,000 may cost between $200 and $500 to insure.

The actual cost of your plan will depend on several factors. These include:
  • The benefits you need. A plan with less coverage will cost less but may involve higher out-of-pocket costs. The best plan for you will balance your coverage needs with an affordable overall price.
  • The trip duration. It also costs more to insure longer trips. You will pay less to insure a week-long vacation than another traveler staying abroad for several weeks.
  • Your age. The final factor that may affect what you pay for travel insurance is your age. Senior travelers may pay more for travel health insurance.
Quotes from insurance providers can vary, even with very similar plans. This occurs because each company uses a unique risk analysis framework to determine policy costs. Always compare quotes from several providers before making your decision.

Premium and Deductible Costs

Travel insurance includes premiums and deductibles, just like other insurance plans. A premium is the monthly payment, and the deductible is the amount the policyholder must pay before the insurance company covers costs.

A fixed coverage policy typically offers more affordable premiums but higher deductibles. A comprehensive coverage policy charges higher premiums but lower deductibles. Finding the best plan for you will depend on what you can afford as a premium and how much coverage you want from the policy in a fixed amount or percentage.

Credit Card Coverage Options

Some travel credit cards include travel insurance perks that help cardholders cover cancellations and other events. A few examples include the following:
  • The Chase Sapphire Preferred Card includes trip delay coverage up to $500 per ticket (after 12 hours), cancellation coverage of up to $10,000 per person, and more.
  • The Capital One Venture X Rewards Card offers $500 per ticket (after six hours) for trip delays, up to $10,000 per person for cancellations, and more.
  • The American Express Platinum Card provides complimentary emergency evacuation, up to $10,000 per person in cancellation coverage, and more.
Look into the perks of your travel credit card to find out what coverages you have. You may decide to invest in another travel insurance policy in addition to your credit card coverage to further reduce any out-of-pocket costs you may face following an unexpected event overseas.

Finding Affordable Travel Insurance Plans

The most effective way to get the most affordable travel insurance plan that provides the coverage you need is by comparing quotes from multiple providers. If you only get a quote from one company, you may end up with an expensive plan while another provider offers the same coverage for a lower price.

When you compare quotes with Insurdinary, we help you find suitable plans and compare prices from top providers. You'll fill out some quick demographic information, and we'll send you customized quotes right to your inbox in just a few minutes.

Minimizing Travel Insurance Costs

You can keep your travel insurance costs as low as possible by following these tips:
  • Select a low-premium plan: A lower premium plan may help you reduce your travel insurance costs. However, keep in mind that if you need to file a claim, you may end up paying a higher deductible.
  • Choose a travel card with great perks: Many credit cards offer travel insurance perks, including those listed above. Other cards with great perks include the Bank of America Travel Rewards Card with no annual fees and the Ink Business Preferred Card for business travelers.
  • Compare quotes: Don't skip the quote comparison step to ensure that you find the most affordable option available.
Look into the perks of your travel credit card to find out what coverages you have. You may decide to invest in another travel insurance policy in addition to your credit card coverage to further reduce any out-of-pocket costs you may face following an unexpected event overseas.

Why Choose Insurdinary for Travel Insurance Quotes?

If you're overwhelmed by your travel insurance options, we get it. Understanding any type of insurance can feel impossible with all the available benefits. Insurdinary is here to help match you with the best plan for your needs at an affordable price.
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Travel Insurance FAQs

To help you find the most suitable travel insurance for your trip, we've answered some of the most frequently asked questions about this type of insurance.

How can I choose the best travel insurance plan?

Because travel insurance providers offer many different policies, some policyholders worry that they don't have the best plan. An effective way to ensure you have the ideal policy for your needs is to consider the benefits and costs. Ask yourself these questions:
  • Is the policy giving me peace of mind about traveling?
  • Is there a coverage I think I need that I don't have?
  • Am I able to comfortably make my payments without financial hardship?
Insurdinary simplifies the policy buying process by providing side-by-side comparisons of the options most suitable for each client. We aim to help you find a policy that fits your needs at the best rate available.

What does travel insurance cover?

Each travel insurance policy offers different types of coverage, including but not limited to trip delays and cancellations, baggage loss, and emergency medical care. Insurdinary will help you find your ideal policy by showing you how your options affect potential premiums, making it easy to balance benefits with cost.

How can I save money on travel insurance?

You can save money on your travel insurance by shopping around for quotes or using Insurdinary to compare prices from leading providers. You may also ask your provider about possible discounts.

How fast will I get travel insurance quotes from Insurdinary?

Getting travel insurance quotes from Insurdinary only takes between one and five minutes. You simply fill out a short questionnaire to receive free, no obligation quotes.
Keep yourself and your family protected while traveling abroad with affordable travel insurance. Compare quotes with Insurdinary for a customized policy that best suits your coverage needs.
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