Every top travel insurance plan, side by side. Same price as buying direct.
Enter your trip once and see real prices from 20 top-rated providers, side by side. Open any plan and read what it covers before you buy.
See Plans & PricesAbout 60 seconds. No account, no email, and nobody calls you.
Compare travel insurance plans in about a minute
Every plan that fits your trip, priced for your dates and your ages. Sort by price or by coverage. Open any plan and read exactly what it covers. Pick your favorites and compare them side by side. When you find the one, you buy it from the insurance company at their price.
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The real price for your trip, not a starting-from number
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Filter by what matters to you: medical, cancellation, pre-existing conditions
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Read the actual policy wording before you buy
Start with a pick
Not sure where to begin? These are the plans I point people to first, priced on real trips and checked against the policy wording.
Best travel insurance plans
The overall picks, for every kind of traveler.
Best plans for travelers over 65
Medical limits, evacuation and the age rules that matter.
Best cruise travel insurance
Priced against what the cruise lines sell.
Best family travel insurance
Plans where the kids are free.
Cheapest plans still worth buying
Low price with real medical coverage.
Cancel for any reason
What the add-on costs and when it is worth it.
Prices on those pages come from the same comparison you get here. The monthly Travel Insurance Price Index shows what plans cost right now.
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: the pre-existing condition waiver, and Cancel For Any Reason. Miss the window and 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. On some plans, kids 17 and under are free.
Why compare here instead of ticking the box at checkout
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 it covers. CoverTrip is a travel insurance comparison run by a licensed agent. You see every top plan side by side, you know exactly what you are buying, and you pay the same price the insurance company charges 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 review 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.
Your details stay yours
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 viewers say
Real comments from the CoverTrip YouTube channel, quoted as written.
“Your videos have been so helpful! I’ve used Cover Trip twice to find my policies... But this is the easiest way yet! Thank you!”
@pixiethesnakeYouTube comment, October 2026
“Great video! I use your comparison site and I feel there is nothing better.”
@kene8895YouTube comment, 2026
“Outstanding Cruise Travel Insurance presentation. I will start using your site for our future travel insurance plans.”
@captnawty7966YouTube comment, 2026
Hi, I’m Damian, the guy behind CoverTrip.
I got my travel insurance license in 2006 and found that nobody online was 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.
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 pick the right plan with confidence.
Damian
What does travel insurance cover?
Five things it is for. When you compare plans, you can filter by any of them.
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 Cancel For Any Reason, and it is only offered in the first days after your first trip payment. More in the trip cancellation guide.
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. More in the travel medical insurance guide.
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. More on flight delays and cruise coverage.
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. More in what travel insurance covers.
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. More in the adventure travel insurance guide.
Frequently asked questions
How does CoverTrip make money? Is it really free?
Yes. Comparing is free. If you buy, the insurance company pays me a commission. Your price is the same as on the insurer’s own site, and I am paid the same whichever plan you pick. Nothing is marked up.
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 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?
Every comprehensive plan covers a new illness or injury on your trip, and every plan covers a condition that has been stable for a set look-back period, usually 60 to 180 days. If your condition changed recently, most plans offer a pre-existing condition waiver that covers it anyway, as long as you buy within the plan’s window after your first trip payment (14 days works for every plan on the comparison, some allow up to 21) and insure the full trip cost. The comparison has a filter for it. More in pre-existing conditions and travel insurance.
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?
In our September 2026 Travel Insurance Price Index, the middle plan cost between 4 and 10 percent of the trip, depending mostly on age: about 4 percent for a family of four, about 7 percent for a retired couple, about 10 percent for a solo traveler over 65. Medical-only plans cost much less. The same traveler can easily see a $200 spread across comparable plans, which is exactly why comparing matters. The Index updates every month.
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 on CoverTrip comes with a free look period of at least 10 days. Buy it, read the full policy at home, and if it is not right, cancel for a full refund. No questions asked.
See Plans & PricesFree to compare · No credit card · Full refund in the free look