Independent travel insurance research

Compare travel insurance by coverage, trip type and policy wording

My Travel Cover helps you compare the parts of a policy that can change the outcome of a claim: covered reasons, medical and evacuation benefits, delay rules, baggage limits, pre-existing-condition language, purchase timing, and required documents.

Compare policies Prepare for quotes

Passport, travel insurance policy notes, medical coverage and claim checklist

Start with the risk that would hurt most

Trip cancellationWhich reasons are covered, how much prepaid trip cost is insured, and what proof is required?

Medical care abroadWhat are the medical, evacuation, deductible, payment, and assistance rules?

Delays and connectionsWhat waiting period, common-carrier requirement, missed-connection rule, or separate-ticket issue applies?

Belongings and baggageWhat item limits, exclusions, receipts, police reports, and carrier reports may matter?

Comparison workflow

Compare the same trip, not just two different prices

A fair travel-insurance comparison keeps the trip inputs consistent, then compares policy wording and benefit design.

Compare	What to keep the same	What to read in each policy
Trip details	Dates, destinations, traveler ages, residence	Eligibility and territorial rules
Trip cost	Same prepaid nonrefundable amount	Cancellation/interruption limits and covered reasons
Medical needs	Same traveler history and trip length	Medical, evacuation, deductible, exclusions, assistance
Optional benefits	Same CFAR or activity assumptions	Purchase timing, conditions, and exclusions

Read the My Travel Cover comparison methodology →

Browse by travel decision

Coverage, trip type, destination, traveler and claim preparation

Coverage BasicsCancellation, interruption, medical, evacuation, baggage, delay and exclusions. Plan TypesSingle-trip, annual, travel medical, cruise, student, senior and family structures. How Much Coverage?Match limits to prepaid trip cost, medical risk, evacuation exposure and what you can self-insure. Destination GuidesCountry and itinerary questions for medical care, delays, documents and evacuation. Traveler ProfilesSeniors, students, families, pregnant travelers, frequent travelers and more. Claim PreparationReceipts, carrier statements, medical records, proof of payment and claim timelines. Pre-Existing ConditionsDefinitions, lookback language, waiver conditions and purchase timing. Separate-Ticket ConnectionsWhy missed-connection wording can matter when flights are booked on separate tickets. Electronics & GadgetsItem limits, proof of ownership, theft reports, baggage rules and high-value gear.

Policy certificate first

Marketing summaries and quote screens are useful for narrowing options, but the policy certificate controls covered reasons, limits, exclusions, definitions, purchase timing, documentation requirements, and claim procedures.

For international travel, also compare medical coverage, emergency evacuation, assistance services, existing health-insurance overlap, prescription needs, and destination-specific entry requirements.

Trip file basics

First trip deposit and final payment dates.
Prepaid nonrefundable trip cost by traveler.
All destinations and connecting tickets.
Traveler ages, state of residence, medical and activity notes.
Quotes, policy certificates, receipts and assistance contacts.

Official and primary starting points

Use public insurance and travel sources to verify concepts, then read the specific policy certificate before relying on coverage.

See the full source directory →