Every top travel insurance plan, side by side. Same price as buying direct.
Answer five quick questions and see real prices from 20+ providers for your trip. No account, no email, and nobody calls you.
See Plans & PricesAbout 60 seconds · Five questions · Nothing to sign up for
Here is what you see after those five questions
Every plan that fits your trip, priced for your dates and your ages. Sort by price or coverage, open any plan to read exactly what it covers, and compare your favorites side by side. When you find the one, you buy it straight from the insurance company at their price.
1
2
3
- 1
The real price for your trip, not a starting-from number
- 2
Filter by what matters to you: medical, cancellation, pre-existing conditions
- 3
Read the actual policy wording before you buy
Not sure of your numbers yet? You can start anyway.
Your trip cost isn’t final yet
If you know the total, enter it. If you’re not sure, enter what you’ve paid so far. You can adjust it later, up or down, as the rest of the trip gets booked.
Buying early gets you two extras
You can buy travel insurance any time before you leave. Two upgrades are only offered in the first 14 days after your first trip payment: coverage for pre-existing medical conditions, and Cancel For Any Reason. If that has passed, you still have plenty of good plans to choose from.
One policy covers the whole family
Everyone traveling from your household goes on one quote and one policy. Enter each person’s age and the total trip cost, and that’s it.
More than the checkbox when you book your trip
For most people, travel insurance is the checkbox at checkout: an $89 line item from the cruise line or airline with no detail about what is actually covered. CoverTrip shows you every top plan side by side, so you know exactly what you are buying, at the same price the insurance companies charge directly.
Same price as buying direct
The price you see here is the price the insurance company charges on its own website. I’m paid a commission by the carrier after you buy, so you never pay more for comparing, and I don’t get paid more to push one plan over another.
Explained by a licensed agent, not a call center
I’ve been licensed in travel insurance since 2006. Every guide, video, and comparison on this site is me explaining what is actually in these policies, in plain English. Over 270,000 travelers follow along on YouTube, Facebook and TikTok.
Nobody calls you
No account, no email, and no phone number to see plans and prices. Your details only come into it when you decide to buy, and then you give them to the insurance company, not to me.
What travelers say
★★★★★
“We had a medical scare in Cozumel on a cruise. My husband slipped and needed an ER visit. The plan we picked through CoverTrip reimbursed $3,400 in hospital bills within three weeks. I was worried an aggregator would leave us hanging. They didn’t.”
Patricia R., Retired, Phoenix AZAlaska & Mexico cruise, 2025
★★★★★
“I’d been paying Allianz direct for years. Watched a couple of Damian’s videos, compared on CoverTrip, and found the same tier of coverage for $218 less on a 10-day Italy trip. Same underwriters, better price. Wish I’d known about this site sooner.”
Mike T., Age 62, Raleigh NCItaly & Greece, 2025
★★★★★
“My daughter tested positive for COVID two days before our Disney trip. I’d bought Cancel For Any Reason through CoverTrip. Filed the claim with the carrier directly, got 75% of our $6,200 refunded. No drama. That’s why you buy it.”
Jennifer L., Age 58, Atlanta GAFamily Disney trip, 2024
Hi, I’m Damian, the guy behind CoverTrip.
I got my travel insurance license in 2006 and realized nobody online was actually helping travelers understand what they were buying. Every insurance site was “Buy Now” buttons and fine print. So I started writing plain-English guides, and today I do the same thing on video, because almost nobody else does.
If you found your way here from one of my videos, you already know the style: no jargon, no pressure, no fine-print games. My job is to help you understand this stuff, then help you pick the right plan with confidence.
Damian
What does travel insurance cover?
This is what travel insurance is actually for. When you compare plans, you can filter by any of these.
What if I have to cancel before I even leave?
Comprehensive plans refund your prepaid, non-refundable trip costs when you cancel for a covered reason: an illness, an injury, a death in the family. Want the freedom to cancel for any reason? That is an optional upgrade called CFAR (Cancel For Any Reason), and it is only offered in the first days after your first trip payment.
What if I get sick or hurt overseas?
Here is what surprises most people: Medicare and most U.S. health plans don’t follow you abroad. Travel medical coverage pays hospital and doctor bills overseas, and if it is serious, can fly you to a better hospital or back home.
What if a delay wrecks my connection, or my cruise?
Delay benefits reimburse meals and hotel nights while you are stuck, and can help cover the cost of catching up to your cruise or tour if you miss the departure.
What if my bags go missing?
Baggage benefits pay when luggage is delayed, lost, or stolen, including money for essentials while you wait for delayed bags to catch up with you.
What if my trip involves skiing, scuba, or anything you’d sign a waiver for?
Standard plans exclude some higher-risk activities. If adventure is on the itinerary, look for a plan with a sports upgrade so an injury on the slopes or underwater is still covered.
Frequently asked questions
How does CoverTrip make money? Is it really free?
Yes, it is genuinely free. I’m paid a commission by the insurance carrier after you buy a plan, at no extra cost to you. The price you see here is the same price you would pay buying direct from the carrier. Nothing is marked up, and I don’t get paid more to recommend one plan over another.
If I need to file a claim, do I deal with CoverTrip or the insurance company?
You file your claim with the insurance carrier directly. That is who actually pays it. The best claim protection happens before you buy: knowing what is covered, what is excluded, and what documentation to keep (receipts, doctor’s notes, delay confirmations). That is exactly what this site is here to help you get right.
What if I have a pre-existing medical condition?
Most comprehensive plans include a pre-existing condition waiver that covers conditions you were already being treated for, as long as you buy the plan within 14 days of your first trip payment. Some carriers allow longer, but 14 days works with every plan on the site. You also typically need to insure the full non-refundable trip cost. If that window has passed, you can still buy a good plan. You just won’t have the waiver on it.
How soon before my trip should I buy?
You can buy any time up to the day before you leave. Buying within 14 days of your first trip payment adds two things you can’t get later: the pre-existing condition waiver and Cancel For Any Reason. Either way, your cancellation coverage starts the day you buy, so earlier simply means more of your trip is protected.
How much does travel insurance cost?
A comprehensive plan with trip cancellation coverage typically runs 5 to 10% of your total trip cost. Medical-only plans cost much less. Your age, trip length, and coverage limits all affect the price, which is exactly why comparing matters. The same traveler can easily see a $200+ spread across comparable plans.
Is my personal information safe?
Yes. Your information only goes to the insurance carrier you choose to buy from, never to advertisers or lead buyers. You can compare plans without creating an account or providing a phone number. Nobody cold-calls you and your data is never sold.
Still not sure? Buy it, read it, and change your mind if you need to.
Every plan sold through CoverTrip comes with a free look period. Buy now, read the full policy at home, and if it is not right, cancel within 10 days for a full refund. No questions asked.
See Plans & PricesFree to compare · No credit card · No sales calls
Not ready for quotes yet?
Most travelers research first. That is smart. Grab my free Trip Insurance Roadmap: a plain-English walkthrough of what to buy, when to buy it, and the early-purchase upgrades worth knowing about.
Get the Free RoadmapFree. Sent straight to your inbox.
Compare travel insurance plans in 60 secondsInstant quotes from 20+ top providers in one place, then buy online
See Plans & PricesSame price as buying direct · No email or sales calls · 10-day money-back guarantee
Getting Quotes Takes About 60 Seconds
No account. No email. No phone number. Just have these handy:
Destination
Dates of travel
Ages of travelers
Trip cost
Trip deposit date
That's it. Answer those and you'll see live prices from 20+ providers — the same plans I'd compare for my own trips.
More Than the “Checkbox” When You Book Your Trip Online
For most people, travel insurance is the checkbox at checkout — an $89 line item from the cruise line or airline with no detail about what's actually covered. CoverTrip shows you every top plan side by side, so you know exactly what you're buying. All at the same price the carriers charge directly.
Every Top Plan in One Place
See 100+ plans from 20+ providers — Tin Leg, Seven Corners, IMG, Generali, Travelex, and more — without visiting a dozen websites. Sort by price, coverage, or reviews in seconds.
Explained by a Licensed Agent — Not a Call Center
I've been licensed in travel insurance since 2006. Every guide, video, and comparison on this site is me explaining what's actually in these policies — plain English, no jargon. Over 270,000 travelers follow along on Facebook and TikTok.
Same Price as Buying Direct
The price you see on CoverTrip is the exact same price the carrier charges on their own website — never a penny more. You get the benefit of comparing without paying a markup.
Compare Without Handing Over Your Email
No account, no email, no phone number — you can see every plan and price completely anonymously. Your details only come into it when you decide to buy.
What Our Customers Say
Real reviews from real travelers who found the right plan through CoverTrip.
★★★★★
"We had a medical scare in Cozumel on a cruise — my husband slipped and needed an ER visit. The plan we picked through CoverTrip reimbursed $3,400 in hospital bills within three weeks. I was worried an aggregator would leave us hanging. They didn't."
Alaska & Mexico cruise, 2025
★★★★★
"I'd been paying Allianz direct for years. Watched a couple of Damian's videos, compared on CoverTrip, and found the same tier of coverage for $218 less on a 10-day Italy trip. Same underwriters, better price. Wish I'd known about this site sooner."
Italy & Greece, 2025
★★★★★
"My daughter tested positive for COVID two days before our Disney trip. I'd bought Cancel For Any Reason through CoverTrip. Filed the claim with the carrier directly, got 75% of our $6,200 refunded. No drama. That's why you buy it."
Family Disney trip, 2024
Still Not Sure? You're Covered Either Way.
Every plan sold through CoverTrip comes with a 10-day free look period. Buy now, read the policy in full, and if it's not right — cancel within 10 days for a full refund. No questions asked.
See Plans & PricesFree to compare · No credit card required · No sales calls
What Does Travel Insurance Cover?
This is what travel insurance is actually for — the stuff you lie awake wondering about. When you compare plans, you can filter by any of these.
Comprehensive plans refund your prepaid, non-refundable trip costs when you cancel for a covered reason — an illness, an injury, a death in the family. Want the freedom to cancel for any reason? That's an optional upgrade called CFAR (Cancel For Any Reason), and it's only available in the first days after your trip deposit — one more reason not to wait.
Here's what surprises most people: Medicare and most U.S. health plans don't follow you abroad. Travel medical coverage pays hospital and doctor bills overseas — and if it's serious, can fly you to a better hospital or back home.
Delay benefits reimburse meals and hotel nights while you're stuck, and can help cover the cost of catching up to your cruise or tour if you miss the departure.
Baggage benefits pay when luggage is delayed, lost, or stolen — including money for essentials while you wait for delayed bags to catch up with you.
Standard plans exclude some higher-risk activities. If adventure is on the itinerary, look for a plan with a sports upgrade so an injury on the slopes or underwater is still covered.
Frequently Asked Questions
Straight answers, no jargon.
Yes, it's genuinely free. We're paid a commission by the insurance carrier after you buy a plan — at no extra cost to you. The price you see here is the same price you'd pay buying direct from the carrier. We don't mark anything up, and we don't get paid more to recommend one plan over another.
You file your claim with the insurance carrier directly — that's who actually pays it. The best claim protection happens before you buy: knowing what's covered, what's excluded, and what documentation to keep (receipts, doctor's notes, delay confirmations). That's exactly what this site is here to help you get right.
Most comprehensive plans include a pre-existing condition waiver that covers conditions you were already being treated for — but you need to purchase the plan within 10 days of your first trip deposit. (Some carriers allow a longer window, but 10 days keeps you safe across the board.) You also typically need to insure the full non-refundable trip cost. If that window has passed, there are still plans that can help — just compare your options to see which ones qualify.
The best time is right after your first trip deposit. Buying early locks in coverage for cancellations, unlocks the pre-existing condition waiver, and keeps Cancel For Any Reason (CFAR) available. You can buy up until the day before you leave, but several important benefits disappear if you wait.
A comprehensive plan with trip cancellation coverage typically runs 5–10% of your total trip cost. Medical-only plans cost much less. Your age, trip length, and coverage limits all affect the price — which is exactly why comparing matters. The same traveler can easily see a $200+ spread across comparable plans.
Yes. We only share your information with the insurance carrier you choose to buy from — never with third-party advertisers or lead buyers. You can compare plans without creating an account or providing a phone number. We never cold-call and we don't sell your data.
Not Ready for Quotes Yet?
Most travelers research first — that's smart. Grab my free Trip Insurance Roadmap: a plain-English walkthrough of what to buy, when to buy it, and the deadlines that unlock the best benefits.
Get the Free RoadmapFree — sent straight to your inbox.