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Travel insurance
Travel with a safety net, not your fingers crossed
Travel insurance steps in when a trip goes sideways — a cancelled flight, a medical emergency abroad or a bag that never arrives. Compare plans from trusted providers and protect what you've already paid for.
- Refund prepaid costs for covered cancellations
- Medical cover where your home plan may not reach
- Single-trip or annual multi-trip plans
- Quotes in minutes
- Cover worldwide
- Free to compare
What's covered
What travel insurance covers
A typical plan bundles several protections into one policy. Covered reasons vary by plan, so it's worth reading the details before you buy.
Trip cancellation & interruption
Reimburses prepaid, non-refundable costs if you have to cancel or cut a trip short for a covered reason.
Emergency medical & dental
Helps pay for treatment if you fall ill or get hurt abroad, where your home health plan often won't apply.
Medical evacuation
Covers emergency transport to adequate care or back home when a serious situation calls for it.
Lost & delayed baggage
Reimburses your belongings if bags are lost, stolen or damaged, and covers essentials while they're delayed.
Travel-delay expenses
Picks up meals, accommodation and other costs when a covered delay leaves you stranded en route.
24/7 travel assistance
Connects you to a live help line for medical referrals, rebooking and emergencies, any hour, anywhere.
Why AltFTool
Why travellers compare plans here
Protect your trip investment
Flights, hotels and tours add up fast — cover lets you recover prepaid costs when a covered reason forces a change.
Medical cover abroad
Get protection for emergencies overseas, where domestic health plans frequently offer little or no coverage.
Single-trip or annual
Choose one-off cover for a single holiday or a multi-trip plan if you travel several times a year.
Add Cancel For Any Reason
Many plans let you bolt on CFAR, an optional upgrade for a partial refund even outside standard covered reasons.
How it works
From trip details to insured
Enter your trip details
Share destinations, dates, traveller ages and roughly what you've prepaid — it only takes a minute.
Compare plans
See quotes from trusted providers side by side, with limits and covered reasons laid out clearly.
Choose your coverage
Pick the level that fits your trip and add options like CFAR or adventure-sports cover if you need them.
Get insured before you go
Buy your plan and receive documents electronically — ideally soon after booking to unlock time-sensitive benefits.
Good to know
What affects your price
Every quote is tailored to your trip. These are the factors that most influence what a travel plan costs.
- Trip cost
- Cancellation and interruption benefits are usually based on the prepaid amount you insure, so a pricier trip costs more to cover.
- Traveller ages
- Rates typically rise with age, since the likelihood and cost of a medical claim tend to increase.
- Trip length & destination
- Longer trips and higher-cost or higher-risk regions generally raise the premium compared with a short, nearby getaway.
- Coverage level
- Higher medical and baggage limits or lower deductibles increase the price; leaner limits bring it down.
- Add-ons
- Optional extras like Cancel For Any Reason or adventure-sports coverage add protection — and cost — on top of the base plan.
Travel Insurance, made simple
Compare real quotes from trusted providers in one place and choose the coverage that fits — no pressure, no jargon, no obligation.
Questions
Travel Insurance FAQs
Most plans bundle trip cancellation and interruption, emergency medical and dental care abroad, medical evacuation, lost or delayed baggage, travel-delay costs and 24/7 assistance. The exact covered reasons vary by policy, so read the details.
It's usually worth it when you've prepaid a lot or are travelling internationally, where your home health plan may not apply. For a cheap, fully refundable domestic trip, the case is weaker.
Many plans cover trip cancellation and emergency medical care for covered illnesses, and a lot now treat COVID-19 like any other sickness. Coverage varies, so confirm it in the policy before you buy.
CFAR is an optional upgrade that lets you cancel for reasons a standard plan wouldn't cover, usually for a partial refund. It typically must be added soon after booking and has its own rules.
Often yes, if you qualify for a pre-existing condition waiver — which many plans grant when you buy shortly after your first trip payment. Terms and time limits vary by insurer.
Soon after you book and make your first payment. Buying early unlocks time-sensitive benefits like pre-existing condition waivers and CFAR, and starts cancellation cover right away.
Get your travel insurance quote
Compare travel plans from trusted providers in minutes — free to compare, with no obligation. Cover your next trip before you take off.
AltFTool is not an insurance company or agency and does not sell insurance. Quotes, coverage, covered reasons, eligibility and pricing are set by the insurer and vary by state and circumstances. Coverage examples are general; read each policy for exact terms.