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Written byStephanie Colestock
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Founder of personal finance site TomorrowsDollar.com
Candidate for CFP® certification
Stephanie is a DC-based freelance writer specializing in personal finance. Her work covers insurance, loans, real estate investing, retirement, and more.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Traveling is an investment in creating memorable experiences. Just as you protect your other important investments — like your house and car — with insurance, travel insurance provides financial protection if something goes awry with your travel plans.[1]
Travel insurance typically costs between 4% and 8% of your total trip cost.[2] But prices can vary widely based on factors like your age, trip cost, and the travel insurance company you choose. To help you find the cheapest travel insurance, Insurify examined pricing and coverage information for top travel insurance companies.
Here’s a look at some of the best travel insurance prices and what these insurers offer.
Cheapest travel insurance plans
The right travel insurance plan for you is one that protects your travel investment at the most affordable price. Here’s a look at some of the cheapest travel insurance policies and what each offers.
Company and Plan | Total Cost | Medical Benefits | Trip Benefits | Baggage Benefits |
|---|---|---|---|---|
| GeoBlue | $28 | Medical expense: $1 million Medical evacuation: $500,000 | None | None |
| Travelex Essential | $106 | Medical expense: $250,000 Medical evacuation: $200,000 | Cancellation: 100% (up to $10,000) Interruption: 100% (up to $10,000) Delay: $600 | Delay: $200 Loss: $750 |
| Nationwide Essential | $106 | Medical expense: $75,000 Medical evacuation: $250,000 | Cancellation: 100% of trip cost Interruption: $5,000 Delay: $600 | Delay: $100 Loss: $600 |
| Battleface Base Package | $112 | Medical expense: $100,000 Medical evacuation: $300,000 | Cancellation: 100% of trip cost Interruption: 125% of trip cost Delay: $1,000 | Delay: $500 Loss: $1,000 |
| Seven Corners Trip Protection Basic | $115 | Medical expense: $100,000 Medical evacuation: $250,000 | Cancellation: 100% of trip cost Interruption: 100% of trip cost Delay: $600 | Delay: $500 Loss: $500 |
GeoBlue
We found the lowest total cost — just $28 — with GeoBlue, which only offers travel medical insurance. By forgoing trip and baggage coverages, you’ll save money. But if your tour company cancels your trip, you run into delays, or your baggage disappears, GeoBlue policies won’t reimburse you.
Pros
Very affordable pricing
High medical expense and evacuation limits
Pre-existing condition waiver included
Cons
No trip or baggage coverage available
Only offers travel medical insurance
Travelex Essential
For protection that includes coverages for trip and baggage problems, Travelex provided the lowest cost for our sample traveler — $106. A pre-existing medical condition waiver is available for travelers who meet requirements. The insurer’s Essential plan also includes a $150 missed connection benefit for flight and cruise portions of your trip.
Pros
Lowest price for broader coverages
Includes $500 for emergency dental care
Coverage upgrade available for adventure activities
Cons
“Cancel for any reason” upgrade not available with Essential plan
No trip inconvenience benefit available
Comparatively low baggage delay allowance
Nationwide Essential
Many companies well known for home and auto insurance also offer travel insurance. Nationwide’s basic plan offers essential coverages for trip cancellation, interruption, and delay, medical expenses, and baggage loss or delay. While the plan has few available add-ons, it can provide critical coverage at a competitive rate.
Pros
Competitive rate from a well-known insurer
Includes $500 for emergency dental care
Covers cancellation or interruption due to terrorism
Cons
Pre-existing conditions waiver is an add-on
Comparatively low limit for medical evacuation
No missed connection coverage
Battleface Base Package
While Battleface offers the ability to customize travel insurance plans, its out-of-the-box base package provides essential coverage and the second most generous medical benefits of the 10 insurers we reviewed. It also offers the highest reimbursement amount for baggage loss. Cancel for any reason (CFAR) coverage is also available for an additional $60.75.
Pros
High coverage limits for medical expenses and medical evacuation
Four add-ons available for base package, including CFAR
Includes up to $750 for emergency dental expenses
Cons
No pre-existing condition waiver for base packages
No travel assistance — which many competitors offer
Not all plans and coverages are available in every state
Seven Corners Basic
Trip Protection Basic from Seven Corners includes the standard coverages you’d expect in a travel insurance policy. But the basic plan also provides coverage if COVID-19 causes cancellation, interruption, or delay and covers your COVID-related medical expenses if you get sick on your trip. It also includes $500 if you miss a tour or cruise connection.
Pros
Coverage included for COVID-19
Option to add CFAR available
Medical expense protection includes up to $750 for emergency dental care
Cons
Doesn’t include a pre-existing medical condition waiver
Passport, visa, and travel documents excluded from belongings protection
Doesn’t include coverage for political or security evacuation costs
To identify the cheapest travel insurance companies, Insurify researched 10 of the top travel insurance providers. We considered user reviews from Trustpilot and industry ratings such as AM Best, and we requested quotes for a sample travel profile. Our example traveler was a 30-year-old flying from the U.S. to Mexico in early June 2025. The total trip expense was $4,000. All sample quotes shown are for each insurer’s base/lowest-level travel insurance plan.
What travel insurance covers
Vacations can be expensive, especially if you’re planning a long-distance trip, going to an exotic location, or traveling with a group. No matter how well you plan, your trip can easily be derailed by illness, injury, travel delays, or even a simple change of plans.
Travel insurance provides financial protection if and when your travel plans change, either before you depart or while you’re away from home. This coverage can also offer you financial reimbursement if you experience flight delays, lost baggage, and more. And if you get sick or hurt while traveling, it can provide you with the care you need, regardless of where.
A few different travel insurance coverages are available to choose from, depending on which insurer you buy your policy through and how much you’re willing to spend. You can typically choose coverage that provides one or more of the following:
Medical and dental care (especially important since your medical insurance policy typically won’t apply outside the U.S.), including medical evacuation back to the U.S.
Trip or baggage delay and interruption coverage
Trip cancellation coverage
Pet travel and fees
Accidental death or dismemberment
Good to Know
These policies may also be issued for a single trip, such as a planned cruise or vacation, or can provide you with blanket coverage for multiple trips over an extended period of time. For example, frequent travelers may want to buy a policy that covers them for 12 to 36 months.
What travel insurance doesn’t cover
Your travel insurance coverage will depend on the policy you purchase. If you buy a medical-based policy, you may not have coverage for things like lost luggage or pet kennel charges. And depending on the company and plan you choose, you might not have options like canceling your trip for any reason.
In general, though, travel insurance typically doesn’t protect you against losses related to:
Named tropical cyclones
Pre-existing medical conditions or known illnesses
Acts of war and terrorism
Epidemics and pandemics
Dangerous or high-risk activities
Types of travel insurance coverage
When shopping for the cheapest travel insurance, it’s important to know what types of coverage are available and which you need. Generally, travel insurance provides the following coverages:[3]
Travel medical: This coverage pays for covered medical expenses you incur while traveling. You can buy travel insurance that includes only travel medical and medical evacuation coverages.
Medical evacuation: If injury or illness forces you to return home, medical evacuation coverage can pay for costs up to the policy limit.
Trip interruption: If a covered event interrupts your trip, trip interruption insurance offers some compensation.
Trip cancellation: If a covered event or circumstance forces you to cancel your trip, trip cancellation insurance can help reimburse you for your pre-paid, non-refundable travel costs.
Trip delay: Travel delays can cause inconvenience and missed connections. Trip delay coverage can help pay some of the expenses associated with a delay in travel.
Baggage loss or delay: If the airline or tour operator loses your luggage or causes a significant delay in returning it to you, baggage loss coverage reimburses you.
Cancel for any reason (CFAR): This coverage can reimburse some or all of your pre-paid, non-refundable travel expenses if you must cancel your trip for any reason.
How to find the cheapest travel insurance
Finding the most affordable travel insurance is a great way to protect your trip and your budget at the same time. Here are some tips to consider if you’re looking for the cheapest travel insurance:
Shop around
As with any insurance product, you’ll find the most affordable travel insurance coverage by getting quotes from multiple insurers. Luckily, most travel insurers provide online quotes in minutes after just a few questions. Be sure to read the limits, privacy policy, and options that each offers so you’re comparing apples to apples.
Decide what’s most important
What are you worried about most when it comes to your trip? What would be the most financially devastating? If you have a refundable trip and are only worried about medical coverage, your coverage needs differ from those of someone who wants a “cancel for any reason” (CFAR) policy.
Adjust your policy details
Many companies will allow you to adjust coverage options, such as your deductible and medical limits. By taking on more risk, you’ll usually reduce your overall cost, and vice versa.
Capitalize on other coverage you might have
Many credit cards offer trip delay and cancellation coverage, medical emergency coverage, and even lost or delayed baggage reimbursement. If you book your trip with one of these travel credit cards, you might not need as much trip insurance as travelers without those protections.
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How Much Is Travel Insurance? (2025)
Cheapest travel insurance FAQs
Below, you’ll find answers to a few commonly asked questions about how to find the cheapest travel insurance for your next trip.
What is the cheapest travel insurance?
The cheapest travel insurance plan is flight-only protection, which offers financial compensation if someone is killed or injured on a common airline. It may also offer protection against delays and lost bags, depending on which additional coverage options you choose.
Which travel insurance companies offer the cheapest plans?
Travel insurance is generally affordable, but Insurify’s research identified GeoBlue, Travelex, and Nationwide as having the cheapest plans for our sample traveler. It’s a good idea to seek quotes from multiple travel insurance companies before buying a policy.
What is the average cost of travel insurance?
On average, travel insurance costs between 4% and 8% of your total trip cost. The coverage options you choose, the duration of your trip, and your destination can further affect the price tag.
Is travel insurance worth the cost?
Travel can be exciting and expensive. Buying travel insurance is an affordable way to protect your investment in travel. Without it, you could lose thousands of dollars if you’re forced to cancel your trip or if you’re injured or fall sick while traveling.
Sources
- Centers for Disease Control and Prevention. "Travel Insurance."
- U.S. Travel Insurance Association. "FAQ."
- National Association of Insurance Commissioners. "Travel Insurance."
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Stephanie Colestock
Stephanie is a DC-based freelance writer and Certified Financial Education Instructor (CFEI). She primarily covers personal finance topics such as insurance, loans, real estate investing, and retirement. Her work can be found on CBS, FOX Business, MSN, Yahoo! Finance, Business Insider, and more. When she isn't helping people plan for their financial futures, she is traveling, hiking with her kids, or writing for her own website, TomorrowsDollar.com. She can be reached on X @stephcolestock.
Stephanie has been a contributor at Insurify since October 2022.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.