Every top travel insurance plan, side by side. Same price as buying direct.
Answer five quick questions and see real prices from 20 top-rated 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.
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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 for 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: 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 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.
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 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 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 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, 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?
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 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 the free look period, at least 10 days on every plan, for a full refund. No questions asked.
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