Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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How do I buy travel insurance?

When you are planning a trip you may want to consider adding travel insurance to your package. You can buy travel insurance through a travel agent or directly through a travel insurance company.

Since there are many different types of travel insurance to buy, the easiest and most affordable way to buy travel insurance is online where you can shop around for different quotes instantly.

Start by entering your zip code and them compare online insurance quotes, instantly!

Travel insurance is not necessary for everyone who travels, nor is it necessary for every trip, but there are many benefits to travel insurance that should be considered each time.

For example, trip cancellation insurance or lost baggage insurance may be beneficial for one kind of tip, while you may find adding travel insurance for medical emergencies is a valuable benefit for a different trip.

Frequently, the cost of the travel insurance depends on the cost of the trip. Rates are typically competitive, so you can shop around to find the best deals. As with all insurance, in addition to the cost of the policy you need to consider the actual benefits being purchased along with the cost of any deductible that might apply.

Types of Travel Insurance Policies

The types of travel insurance policies vary widely. You can buy accidental death and dismemberment flight insurance by itself or you can purchase a complete travel insurance protection plan that covers even your stolen camera.

Flight insurance is typically purchased as a type of life insurance policy that is only good for the duration of the trip. It is relatively inexpensive and usually covers loss of limb(s) as well as loss of life. Flight insurance is frequently offered directly through the airline with whom you are flying.

Trip cancellation travel insurance will reimburse your travel costs if your trip gets canceled for a variety of reasons, including personal injury. Trip interruption travel insurance will reimburse your travel costs if you have to end your trip early and come home. In these cases, the additional expense of changing your return trip is also usually covered.

Lost baggage and stolen personal property can also be covered by travel insurance. Airlines are only responsible for checked baggage up until the time it is released from the cargo hold. Airlines are not responsible for baggage in the overhead compartments of the aircraft. Therefore, it is a good idea to consider travel insurance for baggage if you are traveling with any valuables or items you can’t afford to replace should they become unrecoverable.

Medical travel insurance can be invaluable, especially if you don’t have health insurance that travels with you. Whether you become sick and need the care of a physician or you become seriously injured in an accident and need to be hospitalized, without insurance these costs can become quite expensive.

To buy travel insurance that is best suited for your trip, consider where you are going, the cost of the trip itself, and the value of everything you are bringing with you. You can customize your travel insurance so that you are buying only the travel insurance you want and need.

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The Value of Travel Insurance

There are different values to travel insurance based upon the types of it and the kind of trip you are taking. Review each kind of travel insurance and the cost associated with it to determine if it is beneficial for you.

If you do not have any life insurance or even an accidental death or dismemberment policy, then flight insurance could be a worthwhile consideration. This is especially so if you have dependents at home and you are flying solo.

The total cost of your trip, such as airline tickets and hotel costs, will determine if trip cancellation or trip interruption are a good value. The same goes for the cost of your personal property as to lost or stolen baggage. If you are traveling with expensive cameras and lots of cash, having travel insurance will help replace the cost of your lost equipment or stolen wallet.

No matter where you travel, medical care is expensive. If you have a good health care policy that travels with you, then you may not need medical travel insurance. It is a good idea, however, to make sure you are covered for domestic travel, international travel, and emergency evacuation. Also be sure to consider the costs of your co-payment should you go out of network.

The Cost of Travel Insurance

The cost of travel insurance depends on the type of travel insurance you buy and the actual cost of your trip as well. Usually travel insurance is relatively low in comparison to the overall trip, making it affordable protection to cover travel mishaps.

A simple $500 trip for a family of three can cost as little as $26 for a travel accident plan. $32 can buy flight insurance by itself while a couple of hundred dollars can give the family complete coverage. There are also plans that exceed the cost of the trip, such as $600 for extended stay medical care.

Since the range of plans and prices is so varied, the best way to buy travel insurance is to shop online. That way you can review the packages and compare the costs without high pressure sales tactics. Enter your zip code now to start reviewing travel insurance quotes for free!