Is travel insurance worth it? An honest answer

It's usually worth it if

• You've prepaid a lot of non-refundable costs.
• You're leaving the U.S. and your health plan doesn't cover you abroad.
• You're going somewhere remote, or on a cruise, where evacuation would be costly.
• You're older or have health conditions that could force a cancellation.
• You're traveling in hurricane or winter storm season.

You might skip it if

• Your trip is cheap or fully refundable.
• You're traveling domestically and your health plan covers you.
• Your credit card already covers trip delays and cancellations.

The middle ground

A medical-only plan costs much less than a full plan and covers the biggest financial risk: a medical emergency abroad. Use our price estimator to compare.

General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.