Travel insurance is one of those purchases you regret until you need it — then it's the best money you ever spent. Medical emergencies abroad can easily hit $50,000+. Knowing what to buy matters.
What You Actually Need
Medical coverage is the core — minimum $100,000 for North Americans abroad. Emergency evacuation coverage is critical for remote destinations. Trip cancellation protects pre-paid bookings. Baggage and delay coverage are secondary.
Photo illustrating what you actually need.
Top Providers
World Nomads covers adventure activities. Allianz and AXA have strong medical. Travel Guard offers comprehensive plans. For credit-card-based coverage, Chase Sapphire Preferred and Amex Platinum include surprisingly robust policies — read the fine print first.
Frequently Asked Questions
Do I need travel insurance for a weekend trip?
Usually no if domestic. For international or anywhere remote, yes — even a short trip. Medical evacuation alone justifies the premium.
Does my credit card cover travel insurance?
Many premium cards include trip cancellation, delay, and some medical. Coverage varies wildly — Chase Sapphire Preferred is well-regarded. Always read the specific benefits document.
How much does travel insurance cost?
Typically 4-10% of trip cost. Annual multi-trip policies save money if you travel 3+ times per year.
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