How CoverTrip works
By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 25 September 2026
Answer six quick questions about your trip. See every plan priced for your dates. Buy the one you pick at the same price as buying direct.
Three steps
Tell us about your trip
Where you are going, your dates, the ages of the travelers, your home state, what the trip costs, and the day you paid your first deposit. That is all an insurer needs to price a plan. It takes about a minute.
Compare real plans side by side
Plans from many top insurers come back priced for your trip. Open any plan to see what it covers. Filter by what matters to you, like cancel for any reason or a pre-existing condition waiver. Then compare your favorites side by side.
Buy the one you pick
Click Buy Now and you finish on our partner's secure checkout. Our comparison is powered by Squaremouth, so that is where you buy. Your policy arrives by email. Most plans give you 10 to 15 days to read it and cancel for a full refund if it is not right.
Same price, anywhere
Travel insurance prices are filed with state regulators. A plan costs the same on CoverTrip, on the insurer’s own site, or anywhere else. Nobody can discount it, and nobody can mark it up.
How we get paid. The insurer pays us a commission when you buy. It does not change your price, and it does not decide what we recommend.
If you ever have to file a claim
Every travel insurance policy purchased through CoverTrip is backed by a Zero Complaint Guarantee, offered by our partner Squaremouth, which provides free claims advocacy support throughout the claims process. This includes escalated claims support, documentation assistance, review and clarity on denied claims, and claims mediation if you wish to appeal a denied claim.
In plain words: if a claim is denied and you think that is wrong, Squaremouth’s licensed claims adjusters look at it and take it up with the insurer for you. It is free. Read about the guarantee on Squaremouth.
Who to contact
| If this happens | Contact |
|---|---|
| An emergency while you are traveling | The 24/7 assistance line on your policy confirmation. Every insurer runs one. |
| You need to file a claim | Your insurer’s claims department. The number is on your policy. Squaremouth’s claims center lists every insurer’s claims contact. |
| A claim was denied and you think that is wrong | Open a Zero Complaint case with Squaremouth. Free, and it is part of every policy bought here. |
| A question before you buy, or help buying | Squaremouth’s licensed agents: 1-800-240-0369, 8am to 10pm ET, every day. Say you came from CoverTrip. |
| A question about this site, a video, or the newsletter | Get in touch with us here. |
Who is behind CoverTrip
CoverTrip is run by Damian Tysdal, a licensed travel insurance agent since 2006. The comparison is powered by Squaremouth. The reviews, guides and videos are ours. More about CoverTrip.
Questions people ask
Do I pay more if I buy through CoverTrip?
No. Travel insurance prices are filed with state regulators, so a plan costs the same here, on the insurer's own site, or anywhere else. The insurer pays us a commission when you buy. That does not change your price.
Who am I actually buying from?
The insurer. Squaremouth, our partner and a licensed agency, runs the checkout and issues the policy. CoverTrip is the comparison and the advice.
Do I have to buy right away?
No. Travel insurance itself has no deadline. You can buy it the day before you leave. Two upgrades do have a time limit: the pre-existing condition waiver and cancel for any reason. Most plans give you 14 to 21 days from your first trip payment to add them.
Can I change my mind after I buy?
Yes. Most plans give you 10 to 15 days to cancel for a full refund. The plan details show the exact number for your plan.
What if my trip cost goes up after I buy?
You can add coverage after you buy. Most plans let you insure new trip payments within a set number of days of making them, and the pre-existing condition waiver depends on it. Call Squaremouth and they will add it to your policy.