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	Select to compare
Compare	Best	US Fire Platinum
Compare	Best	IMG Travel LX
Compare	Best	Trawick Voyager
Compare	Best	Generali Premium
Compare	Best	Detour @the edge
Compare	Best	Detour @the edge+

Compare	Better	US Fire Gold
Compare	Better	IMG Travel SE
Compare	Better	Trawick Journey
Compare	Better	Generali Preferred
Compare	Better	Detour Adventure

Compare	Good	US Fire Silver
Compare	Good	IMG Travel Lite
Compare	Good	Trawick Protect
Compare	Good	Generali Standard
Compare	Good	Detour Active

Benefit Limits and Coverage Features Please note: plan benefits, limits, and provisions may vary by state jurisdiction.	US Fire Ez Travel Platinum Plan	IMG I Travel Insured Travel LX Plan	Trawick Safe Travels Voyager Plan	Generali Premium Plan	Detour @the edge Plan	Detour @the edge+ Plan	US Fire EZ Travel Gold Plan	IMG I Travel Insured Travel SE Plan	Trawick Safe Travels Journey Plan	Generali Preferred Plan	Detour Adventure Plan	US Fire EZ Travel Silver Plan	IMG I Travel Insured Travel Lite Plan	Trawick Safe Travels Protect Plan	Generali Standard Plan	Detour Active Plan

Coverage For Travel Arrangements
Pre-Departure Trip Cancellation	Up to 100% of Trip Cost	Up to 100% of Trip Cost	Up to 100% of Trip Cost	100% of Trip Cost	100% of Trip Cost Up to $5,000	100% of Trip Cost Up to $10,000	Up to 100% of Trip Cost	Up to 100% of Trip Cost	Up to 100% of Trip Cost	100% of Trip Cost	100% of Trip Cost Up to $2,500	Up to 100% of Trip Cost	Up to 100% of Trip Cost	Up to 100% of Trip Cost	100% of Trip Cost	100% of Trip Cost Up to $1,000
Post-Departure Trip Interruption	Up to 150% of Trip Cost	Up to 150% of Trip Cost	Up to 150% of Trip Cost	175% of Trip Cost	100% of Trip Cost Up to $5,000	100% of Trip Cost Up to $10,000	Up to 150% of Trip Cost	Up to 150% of Trip Cost	Up to 125% of Trip Cost	150% of Trip Cost	100% of Trip Cost Up to $2,500	Up to 100% of Trip Cost	Up to 125% of Trip Cost	Up to 100% of Trip Cost	125% of Trip Cost	100% of Trip Cost Up to $1,000
Missed Connection	$2,500	$500	$1,000	$1,000	Not Included	Not Included	$1,500	$500	$750	$750	Not Included	$750	$500	$1,000	$500	Not Included
Trip/Travel Delay	$250/day up to $1,250	$250/day up to $2,500	$150/day up to $750	$300/day up to $1,000	$200/day up to $2,000	$200/day up to $2,000	$200/day up to $1,000	$125/day up to $2,000	$200/day up to $2,000	$200/day up to $1,000	$150/day up to $2,000	$150/day up to $750	$125/day up to $500	$300 maximum	$150/day up to $1,000	$100/day up to $500
Per Day Max Limit for meals & accommodations	$250	$250	$150	$300	$200	$200	$200	$125	$200	$200	$150	$150	$125	$100	$150	$100
Required minimum delay time	8 hours	8 hours	12 hours	6 hours	Not Specified	Not Specified	8 hours	12 hours	6 hours	6 hours	Not Specified	8 hours	12 hours	12 hours	6 hours	Not Specified
Cancel For Any Reason	75% of Trip Cost Included at no additional cost	75% of Trip Cost Optional - Additional cost	75% of Trip Cost Optional - Additional cost	60% of Penalty Amount Optional - Additional cost	Not Included	Not Included	Not Included	Not Included	50% of Trip Cost Optional - Additional cost	Not Included	Not Included	Not Included	Not Included	Not Available	Not Included	Not Included
Trip Interruption For Any Reason	Not Included	75% of Trip Cost Optional - Additional cost	50% of Trip Cost Optional - Additional cost	Not Included	Not Included	Not Included	Not Included	Not Included	Not Available	Not Included	Not Included	Not Included	Not Included	Not Available	Not Included	Not Included
Coverage For You
Medical Expense / Emergency Assistance
Accident & Sickness Medical Expense	$100,000	$500,000	$250,000	$250,000	$100,000	$100,000	$100,000	$250,000	$150,000	$150,000	$50,000	$25,000	$100,000	$25,000	$50,000	$25,000
Emergency Dental Expense	$750	$1,000	$750	Included in Medical	$500	$500	$750	$1,000	$750	Included in Medical	$250	$750	$1,000	$750	Included in Medical	$100
Emergency Medical Evacuation & Return of Remains	$500,000	$1,000,000	$1,000,000	$1,000,000	$1,000,000	$1,000,000	$250,000	$500,000	$500,000	$500,000	$500,000	$25,000	$500,000	$250,000	$250,000	$250,000
24 Hour Travel Medical Assistance Services (A non-insurance service - The cost of the plan includes travel protection and a fee for non-insurance services. You may obtain information on the pricing of the plan payment and assistance services by emailing support@tripinsurance.com.)					Included	Included					Included					Included
Non-Medical Emergency Evacuation	Not Included	Included	Not Included	100000	$100,000	$100,000	Not Included	Not Included	Not Included	Not Included	$50,000	Not Included	Not Included	Not Included	Not Included	Not Included
Search and Rescue	Not Included	$10,000	Not Included	$100,000	$10,000	$10,000	Not Included	Not Included	Not Included	Not Included	$5,000	Not Included	Not Included	Not Included	Not Included	Not Included
Political or Security Evacuation	$25,000	$50,000	Not Included	$100,000	Not Included	Not Included	$25,000	Not Included	Not Included	$50,000	Not Included	$25,000	Not Included	Not Included	$50,000	Not Included
Natural Disaster Evacuation	$25,000	$50,000	Not Included	Included	Not Included	Not Included	$25,000	Not Included	Not Included	Not Included	Not Included	$25,000	Not Included	Not Included	Not Included	Not Included
Pet Medical Expense (cat or dog)	Not Included	Not Included	Not Included	$1,000	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included
Accidental Death & Dismemberment
24 Hour Coverage during trip	$50,000	Not Included	$25,000	$50,000	$50,000	$50,000	$50,000	Not Included	$25,000	$50,000	$25,000	$25,000	Not Included	$10,000	$25,000	$5,000
Air Flight Accident	$100,000	$100,000	$50,000	$100,000	Not Included	Not Included	Not Included	$25,000	$25,000	$75,000	Not Included	Not Included	Not Included	$25,000	$50,000	Not Included
Coverage For Your Belongings
Baggage & Personal Effects	$2,500	$1,000	$2,500	$2,000	$3,000	$3,000	$2,500	$1,500	$2,000	$1,500	$2,000	$2,000	$750	$500	$1,000	$1,000
Baggage Delay	$500	$500	$600	$500	$750	$750	$300	$250	$400	$300	$500	$150	$150	$200	$200	$250
Per Day Maximum Limit	$250	$500	Not Specified	$500	$300	$300	$150	$250	Not Specified	$300	$250	No Daily Limit	$150	$50	$300	$100
Required minimum delay time	12 hours	12 hours	24 hours	12 hours	Not Specified	Not Specified	12 hours	12 hours	12 hours	12 hours	Not Specified	12 hours	24 hours	24 hours	12 hours	Not Specified
Coverage For Your Activities
Rental Car Damage	$30,000	$40,000	Optional $35,000	$25,000	Not Included	Not Included	Not Included	$40,000	Optional $35,000	$25,000	Not Included	Not Included	Not Included	Not Included	$25,000	Not Included
Lost Golf Rounds	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included
Required minimum delay time	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable
Sports Equipment Coverage	Not Included	Not Included	Not Included	$2,000	$5,000	$5,000	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included
Sports Equipment Rental	Not Included	Not Included	Not Included	$500/day up to $5,000	$5,000	$5,000	Not Included	Not Included	Not Included	Not Included	$3,000	Not Included	Not Included	Not Included	Not Included	Not Included
Per Day Maximum Limit	Not Applicable	Not Applicable	Not Applicable	500	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable
Required minimum time delay	Not Applicable	Not Applicable	Not Applicable	12 hours	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable
Property Damage Liability	Not Included	Not Included	Not Included	$25,000	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included
Vehicle Breakdown or Disablement	Not Included	Not Included	Not Included	Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included	Not Included
Required minimum time delay	Not Applicable	Not Applicable	Not Applicable		Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable
Coverage Features
Coverage for Travel Arrangements
Trip Cancellation or Interruption Due to:
Sickness, Injury or Death
Pre-Existing Medical Condition Waiver included if medically able to travel at time of purchase and within specified time period	Within 15 days of initial trip deposit	Within 20 days of initial trip deposit	Within 21 days of initial trip deposit	Within 14 days of initial trip deposit	Not Specified	Not Specified	Within 15 days of initial trip deposit	Within 20 days of initial trip deposit	Within 14 days of initial trip deposit	Within 14 days of initial trip deposit	Not Specified	Within 15 days of initial trip deposit	Within 20 days of initial trip deposit	Within 14 days of initial trip deposit	Within 14 days of initial trip deposit	Not Specified
Common Carrier Delay/Cancellation:
Unannounced strike
Mechanical breakdown
Bad weather
Residence, destination or workplace made uninhabitable:
Residence		If purchased within 20 days of trip deposit						If purchased within 20 days of trip deposit					If purchased within 20 days of trip deposit
Destination		If purchased within 20 days of trip deposit						If purchased within 20 days of trip deposit					If purchased within 20 days of trip deposit
Workplace		If purchased within 20 days of trip deposit						If purchased within 20 days of trip deposit					If purchased within 20 days of trip deposit
Involuntary termination of employment
Required length of employment	1 year continuous employment	1 year continuous employment	3 years continuous employment	1 year continuous employment	Not Specified	Not Specified	1 year continuous employment	1 year continuous employment	2 years continuous employment	1 year continuous employment	Not Specified	1 year continuous employment	1 year continuous employment	3 years continuous employment	1 year continuous employment	Not Specified
Permanent transfer of employment
Distance of transfer	250 miles or more	250 miles or more	Not Specified	250 miles	Not Specified	Not Specified	250 miles or more	250 miles or more	Not Specified	250 miles	Not Specified	250 miles or more	250 miles or more	Not Specified	250 miles	Not Specified
Being hijacked, quarantined or jury duty
Death/hospitalization of Host at destination
Traffic accident while en route to departure
Bankruptcy or default of a travel supplier
Required time for bankruptcy/default coverage to start	More than 14 days after effective date	More than 30 days after effective date	More than 14 days after effective date	More than 14 days	Not Specified	Not Specified	More than 14 days after effective date	More than 30 days after effective date	More than 14 days after effective date	More than 14 days	Not Specified	More than 14 days after effective date	More than 30 days after effective date	More than 14 days after effective date	More than 14 days	Not Specified
Terrorist attack in a city listed on itinerary
Required timeframe	Within 30 days of departure	Within 30 days of departure	Within 30 days of departure	Within 30 days	Not Specified	Not Specified	Within 30 days of departure	Within 30 days of departure	Within 30 days of departure	Within 30 days	Not Specified	Within 30 days of departure	Within 30 days of departure	Within 30 days of departure	Within 30 days	Not Specified
Documented theft of passports or visas
Military personnel called to emergency duty
Revocation of previously granted military leave
Documented work reasons
Required to work during merger/acquisition										Not Included			Not Included		Not Included
Mandatory evacuation due to weather or natural disaster		If purchased within 20 days of trip deposit						If purchased within 20 days of trip deposit					If purchased within 20 days of trip deposit
Hurricane warning at destination
Cancellation of scheduled event due to weather	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Closure of 75% of resort facilities (ski resort)	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Normal pregnancy	If occurs after effective date	If occurs after effective date	Not Covered				If occurs after effective date	If occurs after effective date	Not Covered			If occurs after effective date	If occurs after effective date	Not Covered
Legal adoption of Child	Not Included		Not Covered		Not Included	Not Included	Not Included		Not Covered		Not Included	Not Included	Not Included	Not Covered		Not Included
Attending Family Member's childbirth	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included
Extension of school year into trip dates			Not Covered						Not Covered					Not Covered
Child required to participate in sporting event	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Required academic examination	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Legal separation/divorce	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Hunting/fishing activity restriction	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Passport/visa denial													Not Included
Pet/Service Animal illness, injury or death	Not Included		Not Covered		Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Trip Cancellation reimburses:
Prepaid, forfeited, non-refundable trip payments or deposits
Airline reissue fees or frequent flyer fees due to covered reasons	Reissue Fee $150 / Frequent Flyer $150	Change Fee $150 / Frequent Flyer Reward Fee $75	$100 / $200	100	Not Specified	Not Specified	Reissue Fee $100 / Frequent Flyer $100	Change Fee $150 / Frequent Flyer Reward Fee $75	$100 / $200	100	Not Specified	Reissue Fee $100 / Frequent Flyer $100	Not Included	$100 / $200	100	Not Specified
Single Occupancy Upgrade charges
Cancel For Any Reason Benefit added if purchased within the specified time period of initial deposit	Within 15 days of initial trip deposit Included at no additional cost	Within 20 days of initial trip deposit Optional - Additional cost	Within 21 days of initial trip deposit Optional - Additional cost	60% of Penalty Amount Optional - Additional cost	Not Available	Not Available	Not Available	Not Available	Within 14 days of initial trip deposit Optional - Additional cost	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available
Cancel For Any Reason requires you to insure total cost of all travel arrangements subject to cancellation penalties	Not Required	Required	Required	Required	Not Available	Not Available	Not Available	Not Available	Required	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available
Cancel For Any Reason must cancel by:	2 days or more before scheduled departure	2 days or more before scheduled departure	2 days prior	48 hours prior to departure	Not Available	Not Available	Not Available	Not Available	2 days prior	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available
Trip Interruption reimburses:
Prepaid, unused, non-refundable land or water travel arrangements
Additional airfare expense to return home
Single Occupancy Upgrade charges
Trip Interruption For Any Reason	Not Included	75% of non-refundable insured Trip Cost Optional - Additional cost	Up to 50% of Trip Cost Optional - Additional cost	Not Included	Not Included	Not Included	Not Included	Not Included	Not Available	Not Included	Not Included	Not Included	Not Included	Not Available	Not Included	Not Included
Purchase Timeframe	Not Available	Must be purchased within 20 days of initial trip deposit	Within 21 days of initial trip deposit	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available
Additional Requirements	Not Available	Must interrupt trip more than 48 hours after departure date. Must insure the full cost of additional travel arrangements within 20 days of booking	Must occur 48+ hours after departure	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available	Not Available
Missed Connection Due to:
Any Common Carrier caused delay					Not Included	Not Included					Not Included					Not Included
Quarantine, hijacking, Strike, natural disaster, terrorism or riot					Not Included	Not Included					Not Included					Not Included
Documented weather condition preventing you from getting to the point of departure					Not Included	Not Included					Not Included					Not Included
Missed Connection reimburses:
Additional transportation cost to join trip					Not Included	Not Included					Not Included					Not Included
Reasonable accommodations and meal expenses					Not Included	Not Included					Not Included					Not Included
Unused portion of prepaid expenses					Not Included	Not Included					Not Included					Not Included
Trip or Travel Delay Due to:
Sickness or injury	Not Included				Not Specified	Not Specified	Not Included	Not Included			Not Specified	Not Included	Not Included			Not Specified
Common Carrier Delay
Involvement in traffic accident en route to departure
Lost/stolen passports, documents or money
Quarantine, hijacking, strike, natural disaster, civil disorder
Documented weather condition preventing you from getting to the point of departure
Documented road closure
Trip/Travel Delay reimburses:
Additional meal and accommodation expenses
Local transportation expenses
Airline club expenses	Not Included	Not Included	Not Covered	Included	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Internet usage fees	Not Included	Not Included	Not Covered	Included	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Kennel fees for Your cat or dog	Not Included		Not Covered	Included	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included	Not Included		Not Covered	Not Included	Not Included
Itinerary Change made by your cruise/tour supplier	$250	Not Included	Not Covered	Not Included	Not Included	Not Included	$250	Not Included	Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Itinerary Change reimburses prepaid, forfeited, non-refundable event/activity payments		Not Included	Not Covered	Not Included	Not Included	Not Included		Not Included	Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Coverage For You
Accident & Sickness Medical Expense due to:
Injury or Sickness occurring during the trip
Pre-Existing Medical Condition Coverage	With Waiver	With Waiver	With Waiver	With Waiver	Not Specified	Not Specified	With Waiver	With Waiver	With Waiver	With Waiver	Not Specified	With Waiver	With Waiver	With Waiver	With Waiver	Not Specified
Accident & Sickness Medical Expense reimburses:
On a Primary or Excess Basis	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary	Primary
Services of a physician; prescribed drugs, and therapeutic services/supplies
Medical bill review companies			Not Covered						Not Covered					Not Covered
Hospital services
Ambulance transportation to and/or from a hospital
Traveling Companion Bedside Companion Daily	$250/day up to $1,000	$200/day up to $1,000	Not Covered	Not Included	Not Included	Not Included	$200/day up to $1,000	Not Included	Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Medical Evacuation due to:
Injury or Sickness when appropriate care not available locally
Medical Evacuation reimburses:
Medically required transportation expenses to Hospital for care/treatment or home
Transportation expenses to return dependents home
Transportation expenses for bedside visit when hospitalized	If more than 7 days	If more than 3 days	If more than 7 days	If more than 7 days			If more than 7 days	If more than 3 days	If more than 7 days	If more than 7 days		If more than 7 days	If more than 3 days	If more than 7 days	If more than 7 days
Non-Medical Emergency Evacuation
Search and Rescue	Not Included	$10,000	Not Covered	$100,000	$10,000	$10,000	Not Included	Not Included	Not Covered	Not Included	$5,000	Not Included	Not Included	Not Covered	Not Included	Not Included
Political or Security Evacuation	$25,000	$50,000	Not Covered	$100,000	Not Included	Not Included	$25,000	Not Included	Not Covered	$50,000	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Natural Disaster Evacuation	$25,000	$50,000	Not Covered	Included	Not Included	Not Included	$25,000	Not Included	Not Covered	Not Included	Not Included	Not Included	Not Included	Not Covered	Not Included	Not Included
Coverage For Your Belongings
Baggage & Personal Effects loss or damage due to Loss, theft or damage
Baggage & Personal Effects reimburses:
Cost to replace clothing and other personal articles
Cost to replace lost/stolen passports or visas
Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc.	$600	$250	$500	None Listed	Not Specified	Not Specified	$600	$250	$500	None Listed	Not Specified	$600	$250	Not Specified	None Listed	Not Specified
Per Article Maximum Limit	$300	$250	$300	None Listed	$300	$300	$300	$250	$200	None Listed	$250	$300	$250	$100	None Listed	$100
Baggage Delay due to:
Misdirection by a Common Carrier
Baggage Delay reimburses cost of necessary personal items purchased during the delay
Trip Length Limitation	180 days	180 days	90 days	180 days	Not Specified	Not Specified	180 days	180 days	90 days	180 days	Not Specified	180 days	180 days	90 days	180 days	Not Specified
Underwriter	US Fire	US Fire	Nationwide Mutual Insurance	Generali	Nationwide Mutual Insurance Company	Nationwide Mutual Insurance Company	US Fire	US Fire	Nationwide Mutual Insurance	Generali	Nationwide Mutual Insurance Company	US Fire	US Fire	US Fire	Generali	Nationwide Mutual Insurance Company
Additional Non-Insurance Services
24 Hour Worldwide Assistance Services
24 Hour Emergency Medical Hotline
Medical consultation and monitoring when hospitalized
Coordinate medical evacuation arrangements
Help with replacing lost/stolen prescriptions
Help arranging for return of remains
Nurse Helpline
24 Hour Travel Assistance Services	✓
Sending emergency messages
Language interpretation services
Help with emergency cash transfers
Passport/Visa, vaccinations, & travel health Information
Help with replacing lost/stolen tickets or travel documents
24 Hour Concierge Services	✓
Restaurant and shopping recommendations or reservations
Local transport, reservations, sports, theatre, & event information/ticketing
Golf course referrals & tee times
Baggage tracking/assistance
24 Hour Business Assistance Services	✓
Assistance with emergency communications
Assistance with locating available business services
Telephone or web conference assistance
Information about weather conditions, travel delays & flight status
Emergency travel arrangements

How we rate the plans

Best plans have broadest coverage & Cancel For Any Reason...

Best plans provide the highest benefit limits and the most extensive coverage of all plans. All of the best plans include a Cancel For Any Reason or similar benefit and may also include additional coverage such as rental car damage or pet medical. For persons wanting the most extensive coverage and willing to pay a few dollars more, a best plan will be the right choice.

Better plans give higher limits & substantially more coverage...

Better plans provide higher benefit limits and substantially more coverage than good plans. Better plans provide a good combination of coverage and price, and fit the needs of most travelers.

Good plans have lower limits and more restrictive coverage...

Good plans have lower limits and more restrictive coverage than better or best plans. For example, some good plans may not cover pre-existing medical conditions or may not cover as many circumstances for trip interruption or cancellation. If you're looking for basic protection at an economical price, a good plan can be the right choice.

How to Compare Travel Insurance Plans

Travel insurance is a great way to give you peace of mind when you travel – both in the United States and abroad.

With many different travel insurance providers and a vast number of travel insurance plans to choose from including flight insurance, cruise insurance and travel health insurance, it can be confusing to find the right travel insurance policy. At TripInsurance, we make it easy to find a travel insurance plan that works for your specific needs and circumstances.

With our travel insurance comparison tool, you can compare plans, including their features and prices, to find a plan that best fits your insurance coverage needs – at the lowest cost!

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What is Travel Insurance?

Travel insurance also known as trip insurance provides coverage when you travel in the US or abroad, and offsets all or some of the financial risks associated with travelling, such as unexpected medical expenses, accidents, lost or stolen baggage, and any trip delays or interruptions.

Unless you’re going on a short trip within the US that doesn’t require a non-refundable deposit, you probably need trip insurance. Trip insurance is a way to protect the financial investment in your trip and make sure you have adequate coverage if an unexpected medical issue or a travel-related issue on your trip. Just a single issue on your trip can cost you thousands of dollars, which makes travel insurance well worth the cost.

Getting travel insurance is especially important if you or a family member has a higher risk of a medical issue that could lead you to cancel or interrupt your trip. Some destinations and activities also come with a higher risk of injury, illness, natural disasters, and political unrest. Your unique circumstances and the type of trip will help you decide what travel insurance coverage works for you.

Whether you’re travelling for a change in scenery, adventure, relaxation, or something else, travel insurance lets you enjoy your trip rather than worrying about what could go wrong.

Compare The Best Travel Insurance Features

Travel insurance is often sold as a package, a comprehensive plan that offers a combination of coverage. Sometimes, insurance companies allow you to put together a custom travel insurance policy.

With so many travel insurance features to choose from, what is the best way to go about comparing travel insurance plans?

When comparing travel insurance, you’ll need to keep in mind what your specific needs are, your destination and type of trip, and weighing the risks you’re willing to take with your travel insurance budget. You should also check whether you have existing travel insurance coverage, maybe on your credit card or through your health insurance plan, and what is covered under those existing plans.

Travel Arrangements – Trip Cancellation, Travel Interruptions & Delays

Travel arrangements coverage can include all aspects of travelling from cancellations before your departure to delays and interruptions while travelling to your destination.

Trip cancellation insurance reimburses you for any pre-paid, non-refundable expenses if you have to cancel your trip due to illness or death or natural disasters. If your tour operator or cruise line goes out of business, trip cancellation would be able to cover the deposit or other pre-paid expenses in connection with your vacation.

Trip interruption coverage can reimburse you for the non-refundable, unused portion of your trip if it gets interrupted. Trip interruptions can happen due to an emergency evacuation after a natural disaster, political unrest, yours or a family member’s medical issue. Travel delay coverage pays for any expenses in connection with a delay or missed connection, such as hotel rooms and meals.

Tips for Comparing Trip Cancellation Coverage:

Compare the conditions of when the insurance companies cover cancellations, delays and interruptions. Some companies cover cancellations if there has been a recent terrorist attack or an outbreak of a disease at your destination, but others don’t.
Some insurance companies offer all-encompassing trip cancellation policies at an extra cost, so you can cancel for any reason and still get imbursed. You will often need to buy this extra coverage within a certain time period after making the initial trip deposit.
Note that trip cancellation insurance is different from cancellation waivers sometimes offered by cruise or tour operators, which are much more limited in their coverage.
Compare the maximum daily limits and trip costs that can be reimbursed in the policies.

Medical Insurance

Medical travel insurance covers emergency medical expenses if you fall ill or get into an accident while you’re on your trip. Emergency dental, emergency medical evacuation (transport to the nearest hospital), and medical repatriation (transportation to your home). Even if you have health insurance, your existing insurance might not give adequate medical coverage on your trip. Another benefit of buying medical travel insurance is that you typically don’t have to pay deductibles.

Accidental death and dismemberment coverage is similar to life insurance and pays a lump sum to your family or other beneficiaries if you die in an accident during your trip. Some policies will also pay out a sum if you become disabled as a result of an accident during your trip. Other insurance plans only apply to accidental death in the plane – remember to check the details of the insurance plans you’re considering.

Major medical insurance is coverage if you will be away on your trip for several months or more and need medical care while you’re away. Check with your health insurance to see how you’re covered for international travel, the limits, deductions, co-payments, and other conditions that may apply that affect the overall costs.

Tips for Comparing Medical Coverage:

If relevant for you, check to see if the policy covers pre-existing conditions. Also, note that death due to a pre-existing medical condition is usually not covered by accidental death and dismemberment coverage.
Note that Medicare and Medicaid do not provide coverage outside the US
Check coverage and limits for big-ticket medical expenses such as medical emergency evacuation.
Look for a plan where the insurance provider makes payments directly to the hospital or medical service provider, so you don’t have to foot a large medical bill.
If you are planning on taking part in any sport and adventure activities, such as skydiving, skiing, or an organized sporting event, check to see if you need additional medical travel insurance coverage.
If you’re bringing pets on your trip, consider buying a plan that covers pet medical expenses.

Activity Coverage

Some travel insurance plans cover damage to your rental car, your hotel room or other accommodation, and accidents and damages in connection with any sports activities.

For younger or active travellers, activity coverage is an excellent option to ensure you have the right coverage for all the fun things you plan to do on your trip. Not only does sports coverage cover medical expenses if you get injured while taking part in organized sporting events and adventure sports such as skydiving, but your sports equipment is typically also covered. Depending on the specific activities you’re planning to do, check the insurance coverage.

Tips for Comparing Activity Coverage:

Check whether your car insurance covers rental cars for the country you’re travelling to. US car insurance companies usually don’t cover rental cars outside the USA and Canada.
If you are renting a car, check with them in advance about what their insurance options are, so you don’t have to rush through the policy in the airport or rental office.

Baggage and Personal Belongings

Travel insurance coverage for baggage and personal belongings will reimburse you if your baggage is damaged, stolen, or lost during your trip. Some policies also cover expenses in connection with a baggage delay, but there is often a minimum delay time required before this type of coverage applies.

Tips for Comparing Baggage Coverage:

Check each policy to determine the reimbursement limit. There is typically a limit to how much you can be reimbursed per person, item, and type of item. This limit is especially important if you’re travelling with valuable items such as jewellery and cameras.
Check your renters or home insurance to see if you have any coverage for personal items. Note what the deductible (the amount you have to pay before the insurance kicks in) is for claims.

Additional Services

Many travel insurance plans offer additional services that can make a big difference in your travel insurance experience. Before you buy travel insurance for your next trip, check that the travel insurance company offers 24-hour travel assistance for issues during your trip.

24-hour assistance is especially important for international travel where the time difference might make it difficult to get in touch with the insurance company during regular office hours. The 24-hour travel insurance might include services such as help with replacing lost prescription medicine, coordinating care in a medical emergency, language interpretation services, and help with replacing passports and other travel documents.

Some travel insurance plans also include concierge services that can help connect you with local experiences and services such as providing restaurant recommendations, book tickets and make reservations for local entertainment or sporting events, and other assistance services.

Tips for Comparing Additional Coverage:

Some travel insurance plans also provide helpful support and information before you go on your trip, such as information on vaccinations, visas, or travel health.
If you are going on a business trip or are working while travelling, some plans also provide business assistance services.

Compare Travel Insurance Companies

Comparing travel insurance plans is, of course, the key to finding good travel insurance, but don’t forget to consider the travel insurance company itself.

You want to make sure you choose a travel insurance company that is reputable and has great customer service, a good track record for handling claims, and can help you before, during, and after your trip.

To find an insurance provider you can trust, look for reviews and accreditations to gauge how the travel insurance company stacks up.

Tips for Comparing Travel Insurance Companies:

Look at reviews and testimonials on the website and other review websites.
Make sure the company is accredited with the Better Business Bureau and what its BBB rating is.
Look for the word ‘insurance’ rather than ‘travel protection’ and ‘travel assistance’. If the company is not an actual insurance provider, it is not subject to the same regulation.

Compare Travel Insurance Quicker and Easier

Buying travel insurance shouldn’t be an afterthought to your travel planning. Finding the best insurance plan for your trip depends on your specific trip and circumstances. It is worth it to spend some time researching and comparing the different trip insurance plan options, so you can travel confidently, knowing you are prepared for any unexpected issue. Travel Insurance is the best way to protect the financial investment in your trip.

It’s best to start looking for travel insurance sooner rather than later. The best time to buy travel insurance is right after making the first deposit for your trip.

TripInsurance makes it easy to compare the many different travel insurance plans and details of plan features. We have done the legwork on researching travel insurance plans to save you both time and money. This way, you can find the best plan at the best price that matches your specific travel insurance needs.

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Compare Plans

Benefit Limits
and
Coverage Features

US Fire
Ez Travel
Platinum Plan

IMG
I Travel Insured
Travel LX Plan

Trawick
Safe Travels
Voyager Plan

Generali
Premium Plan

Detour
@the edge Plan

Detour
@the edge+ Plan

US Fire
EZ Travel
Gold Plan

IMG
I Travel Insured
Travel SE Plan

Trawick
Safe Travels
Journey Plan

Generali
Preferred Plan

Detour
Adventure Plan

US Fire
EZ Travel
Silver Plan

IMG
I Travel Insured
Travel Lite Plan

Trawick
Safe Travels
Protect Plan

Generali
Standard Plan

Detour
Active Plan

How we rate the plans

Best plans have broadest coverage & Cancel For Any Reason...

Better plans give higher limits & substantially more coverage...

Good plans have lower limits and more restrictive coverage...

How to Compare Travel Insurance Plans

What is Travel Insurance?

Compare The Best Travel Insurance Features

Travel Arrangements – Trip Cancellation, Travel Interruptions & Delays

Medical Insurance

Activity Coverage

Baggage and Personal Belongings

Additional Services

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Travel Insurance Partners

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Trip Cancellation	Trip Cost
Trip Interruption	150% Trip Cost
Missed Connection	$2,500
Travel Delay	$1,250
Maximum Daily Limit	$250/day
Minimum Delay Time	8 Hours
Cancel For Any Reason - Included at no additional cost if purchased within 15 days of initial trip deposit	75% to 100% of Non-Refundable Trip Cost (See Certificate)
Medical Expense	$100,000 (Primary)
Medical Evacuation	$500,000
Non-Medical Evacuation	$25,000
Pre-Existing Condition Waiver	Added if purchased within 15 days of initial deposit
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$50,000
Baggage & Personal Effects	$2,500
Rental Car Collision	$30,000 (Included)
Trip interruption and cancellation coverage is best in class. Has the most covered reasons for cancellation. Allows you to cancel for any reason.

Trip Cancellation	100% Trip Cost
Trip Interruption	150% Trip Cost
Missed Connection	$500
Travel Delay	$2,500
Maximum Daily Limit	$250/day
Minimum Delay Time	8 hours
Cancel For Any Reason - Optional at an additional cost if purchased within 20 days of initial trip deposit	75% Trip Cost
Trip Interruption For Any Reason - Optional at an additional cost if purchased within 20 days of initial trip deposit	75% Trip Cost
Medical Expense	$500,000
Medical Evacuation	$1,000,000
Non-Medical Evacuation	Included
Pre-Existing Condition Waiver	Within 20 days of initial trip deposit
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$100,000
Baggage & Personal Effects	$1,000
Rental Car Collision	$40,000
Comprehensive coverage with high medical limits and extensive trip protection benefits. Optional Cancel For Any Reason and Trip Interruption For Any Reason benefits.

Trip Cancellation	100% Trip Cost up to $5,000
Trip Interruption	100% Trip Cost up to $5,000
Missed Connection	Not Included
Travel Delay	$2,000
Maximum Daily Limit	$200/day
Minimum Delay Time	Not Specified
Cancel For Any Reason	Not Included
Medical Expense	$100,000
Medical Evacuation	$1,000,000
Non-Medical Evacuation	$100,000
Pre-Existing Condition Waiver	Not Specified
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$50,000
Baggage & Personal Effects	$3,000
Rental Car Collision	Not Included
Designed for adventurous travelers with strong medical coverage, sports equipment protection, and search and rescue benefits. Includes high medical evacuation limits.

Trip Cancellation	100% Trip Cost up to $10,000
Trip Interruption	100% Trip Cost up to $10,000
Missed Connection	Not Included
Travel Delay	$2,000
Maximum Daily Limit	$200/day
Minimum Delay Time	Not Specified
Cancel For Any Reason	Not Included
Medical Expense	$100,000
Medical Evacuation	$1,000,000
Non-Medical Evacuation	$100,000
Pre-Existing Condition Waiver	Not Specified
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$50,000
Baggage & Personal Effects	$3,000
Rental Car Collision	Not Included
Enhanced version of @the edge plan with higher trip cost coverage limits. Includes comprehensive adventure sports coverage and equipment protection.

Trip Cancellation	100% Trip Cost up to $2,500
Trip Interruption	100% Trip Cost up to $2,500
Missed Connection	Not Included
Travel Delay	$2,000
Maximum Daily Limit	$150/day
Minimum Delay Time	Not Specified
Cancel For Any Reason	Not Included
Medical Expense	$50,000
Medical Evacuation	$500,000
Non-Medical Evacuation	Not Included
Pre-Existing Condition Waiver	Not Specified
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$25,000
Baggage & Personal Effects	$2,000
Rental Car Collision	Not Included
Designed for active travelers with sports equipment coverage and search & rescue benefits. Features good medical evacuation coverage and equipment rental protection.

Trip Cancellation	100% Trip Cost up to $1,000
Trip Interruption	100% Trip Cost up to $1,000
Missed Connection	Not Included
Travel Delay	$500
Maximum Daily Limit	$100/day
Minimum Delay Time	Not Specified
Cancel For Any Reason	Not Included
Medical Expense	$25,000
Medical Evacuation	$250,000
Non-Medical Evacuation	Not Included
Pre-Existing Condition Waiver	Not Specified
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$5,000
Baggage & Personal Effects	$1,000
Rental Car Collision	Not Included
Basic adventure travel coverage with medical evacuation benefits. Good for short active trips with modest trip costs and need for medical protection.

Compare Travel Insurance Plans and Save

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Compare Plans

Plans sorted by coverage and price

Click a plan name to see benefits summary

Scroll down to see side by side comparisons

US Fire

EZ Travel Platinum Plan Benefits

IMG

I Travel Insured Travel LX Plan Benefits

Trawick

Safe Travels Voyager Plan Benefits

Generali

Premium Plan Benefits

Detour

@the edge Plan Benefits

Detour

@the edge+ Plan Benefits

IMG

I Travel Insured Travel SE Plan Benefits

Trawick

Safe Travels Journey Plan Benefits

US Fire

EZ Travel Gold Plan Benefits

Generali

Preferred Plan Benefits

Detour

Adventure Plan Benefits

US Fire

EZ Travel Silver Plan Benefits

IMG

I Travel Insured Travel Lite Plan Benefits

Trawick

Safe Travels Protect Plan Benefits

Generali

Standard Plan Benefits

Detour

Active Plan Benefits

Benefit LimitsandCoverage Features

US FireEz TravelPlatinum Plan

IMGI Travel InsuredTravel LX Plan

TrawickSafe TravelsVoyager Plan

GeneraliPremium Plan

Detour@the edge Plan

Detour@the edge+ Plan

US FireEZ TravelGold Plan

IMGI Travel InsuredTravel SE Plan

TrawickSafe TravelsJourney Plan

GeneraliPreferred Plan

DetourAdventure Plan

US FireEZ TravelSilver Plan

IMGI Travel InsuredTravel Lite Plan

TrawickSafe TravelsProtect Plan

GeneraliStandard Plan

DetourActive Plan

How we rate the plans

Best plans have broadest coverage & Cancel For Any Reason...

Better plans give higher limits & substantially more coverage...

Good plans have lower limits and more restrictive coverage...

How to Compare Travel Insurance Plans

What is Travel Insurance?

Compare The Best Travel Insurance Features

Travel Arrangements – Trip Cancellation, Travel Interruptions & Delays

Medical Insurance

Activity Coverage

Baggage and Personal Belongings

Additional Services

Compare Travel Insurance Companies

Compare Travel Insurance Quicker and Easier

Follow Us:

Click Here for More Reviews:

Company

Travel Insurance Partners

Get Help

Benefit Limits
and
Coverage Features

US Fire
Ez Travel
Platinum Plan

IMG
I Travel Insured
Travel LX Plan

Trawick
Safe Travels
Voyager Plan

Generali
Premium Plan

Detour
@the edge Plan

Detour
@the edge+ Plan

US Fire
EZ Travel
Gold Plan

IMG
I Travel Insured
Travel SE Plan

Trawick
Safe Travels
Journey Plan

Generali
Preferred Plan

Detour
Adventure Plan

US Fire
EZ Travel
Silver Plan

IMG
I Travel Insured
Travel Lite Plan

Trawick
Safe Travels
Protect Plan

Generali
Standard Plan

Detour
Active Plan