June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
It might take you weeks to arrange a big international trip: the hotels, the tours, the trains, the flights. Getting quotes for travel insurance is a lot easier — it only takes 15 seconds! But when it’s time to select a plan, a lot of people freeze.
How much insurance do you really need? Which benefits are important, and which are just nice to have? Is it OK to pick the cheapest travel insurance available, or will you regret it down the road?
There’s no single solution that’s ideal for every traveler. Here’s a quick cheat sheet to help you figure out the best international travel insurance plan for your destination, your needs, and your budget. We’ll look at different kinds of trips and give you tips on finding the right insurance to match. To see the possibilities for yourself, start by getting a quote for your next trip.
Cruises seem like the simplest kind of international trip. Everything you need is right there on the ship, and almost everything is already paid for. But cruises present some unique challenges when you’re buying travel insurance. The best travel insurance for a cruise will have:
There are a few extra things to consider when your vacation involves hiking, cycling, skiing or other physical activities. Look for a travel insurance plan that includes:
When you’re protecting your active vacation, just remember that travel insurance does not cover losses that result from certain high-risk sports and activities. These can include: participating in or training for any professional or amateur sporting competition; skydiving, hang gliding or parachuting; bungee jumping; caving; extreme skiing; mountain climbing; and scuba diving below 120 feet, or without a dive master. Read your plan documents for the full list of exclusions.
Resourceful travelers can find a hundred ways to trim expenses. Travel during the shoulder season. Choose poshtels over hotels. And use credit-card travel hacks to cut your airfare to zero. But skipping travel insurance is not a smart way to save a buck. If you experience a medical emergency abroad, or if you have to cancel your trip unexpectedly, you could lose a bundle without the protection of travel insurance.
Look for a plan without a lot of extra frills. The best international travel insurance plans for budget-minded travelers include these essentials:
This one’s easy! If you intend to take more than two trips in a year, a multi-trip travel insurance plan is probably your best bet. For one low price, you can get 365 days of protection, wherever you may travel. Your plan may also include collision/loss damage insurance for your rental car, which gives you added peace of mind.
Here’s a travel insurance comparison of the three multi-trip plans we offer. Which travel insurance plan is best? That depends on the benefits you think you’ll need. For journeys to remote or less developed countries, look for robust emergency medical benefits. For expensive trips, it’s wise to buy a multi-trip plan that offers higher limits for trip cancellation/interruption benefits.
Still not sure which is the best travel insurance plan for your next trip? Call us! Allianz Global Assistance’s expert reps can help talk you through the benefits of each plan.