Travel Insurance
Money & Travel
Travel Insurance for Greater Confidence Away From Home
Compare two established travel insurance providers serving U.S. travelers. Learn how trip cancellation, emergency medical, baggage and delay benefits may help when a covered unexpected event disrupts your journey.
Trip protection
Emergency medical benefits
24-hour assistance
✓
Travel protection
Coverage depends on the policy selected
Trip cancellation
Review
Emergency medical
Review
Baggage and delays
Review
Always read the policy’s limits, conditions and exclusions.
Why it matters
Unexpected Travel Problems Can Be Expensive
A canceled trip, overseas medical emergency, lengthy delay or missing bag can create costs that were never included in your travel budget. Travel insurance may reimburse certain eligible losses when the event and expense are covered by your policy.
Trip Cancellation
May reimburse eligible prepaid, non-refundable trip costs when cancellation results from a reason covered by the policy.
Medical Emergencies
May provide benefits for eligible emergency treatment or medical evacuation occurring during the insured trip.
Travel Disruption
Certain policies may cover eligible additional expenses resulting from a qualifying delay or trip interruption.
Featured providers
Compare Two Established Travel Insurance Providers
Allianz offers plans for mainstream vacation, annual and rental-car needs. World Nomads provides plan choices designed for different trip styles, including independent and adventure-focused travel.
Travel protection provider
Allianz Travel Insurance
Allianz Partners offers travel insurance and assistance services for different types of journeys, including single trips, frequent annual travel and rental-car needs.
- Multiple plan options for different trip requirements
- Covered trip-cancellation and interruption benefits
- Emergency medical benefits on eligible plans
- Emergency medical evacuation benefits on eligible plans
- Benefits for certain covered travel delays
- Baggage-related protection on eligible plans
- Rental-car plans and benefits are available
- Access to 24-hour travel assistance services
Plan availability and benefits vary by state and policy selected.
Travel insurance provider
World Nomads
World Nomads offers several levels of travel insurance for U.S. residents, with options intended for budget trips, international journeys, adventure activities and more comprehensive travel needs.
- Several policy levels for different trip styles
- Trip-cancellation benefits subject to plan limits
- Emergency medical and evacuation benefits
- Coverage for numerous listed adventure activities
- Trip-delay and interruption benefits
- Baggage and personal-effects benefits
- Optional Cancel for Any Reason may be available on eligible plans
- Eligible travelers may be able to purchase coverage while traveling
Eligibility, covered activities and benefits depend on the policy.
Make your decision
Which Provider Could Suit Your Trip?
Your decision should be based on the trip being insured, your health and activity needs, the policy wording and the financial limits—not the provider’s name alone.
Consider Allianz if:
- You are planning a traditional vacation or cruise
- You want a choice of single-trip or annual plans
- You need coverage options for non-refundable trip costs
- You want access to established assistance services
- You need a separate rental-car protection option
Consider World Nomads if:
- You are an independent or adventure-focused traveler
- Your itinerary includes covered sports or activities
- You want several plan levels to compare
- You are taking a backpacking or long-haul trip
- You need the flexibility to explore coverage while traveling
Understand the policy
What Can Travel Insurance Cover?
These are common benefit categories, but no policy covers every event. A benefit applies only when the circumstances satisfy the policy’s definitions, requirements and exclusions.
Trip Cancellation
Reimbursement may be available for eligible prepaid, non-refundable costs if you cancel for a covered reason.
Trip Interruption
May help with eligible unused arrangements and additional transportation when a covered event interrupts the trip.
Emergency Medical
May reimburse eligible emergency medical expenses incurred because of a covered illness or injury during the trip.
Medical Evacuation
May arrange or cover eligible transportation when medically necessary under the policy’s terms.
Trip Delay
May reimburse certain reasonable expenses following a qualifying delay that exceeds the policy’s required period.
Baggage Protection
May provide limited benefits for covered baggage loss, damage, theft or delay, subject to item and total limits.
Side-by-side overview
Allianz vs World Nomads
This is a general comparison rather than a statement that every plan includes every benefit. Review the actual quote and policy documents before purchasing.
| Feature | Allianz Travel Insurance | World Nomads |
|---|---|---|
| Primary focus | Mainstream vacations, annual travel and rental-car options | Independent, international and adventure-focused travel |
| Single-trip plans | Available | Available |
| Annual travel options | Available | Check current plan availability for your circumstances |
| Emergency medical benefits | Available on eligible plans | Available subject to the selected plan |
| Adventure activities | Coverage depends on the activity and policy | Numerous listed activities across available plan levels |
| Trip cancellation | Covered reasons and limits depend on the policy | Covered reasons and limits depend on the policy |
| 24-hour assistance | Available | Emergency-assistance services are available |
| Best overall fit | Families, vacationers, cruisers and frequent travelers | Backpackers, solo travelers and adventure travelers |
Before purchasing
How to Choose a Travel Insurance Policy
The cheapest policy is not automatically the most suitable. Compare the protection against your real financial risks.
1
Calculate Trip Cost
Include eligible prepaid and non-refundable flights, accommodation, cruises, tours and other arrangements.
2
Check Medical Limits
Review emergency medical and evacuation limits, especially when traveling outside the United States.
3
Review Covered Reasons
Standard cancellation protection only applies to reasons specifically covered by the policy.
4
Declare Trip Activities
Confirm that every planned sport, tour and adventure activity is covered at the required level.
5
Read Exclusions
Pay attention to pre-existing conditions, known events, alcohol-related incidents, prohibited activities and valuables.
6
Check Existing Protection
Review benefits from your credit card, health plan, airline or other coverage to identify possible duplication.
Travel Insurance Does Not Cover Everything
A loss is not covered merely because it was unexpected. It must fall within a covered benefit and satisfy the policy’s definitions, conditions, documentation requirements, benefit limits and exclusions.
Buy Before a Problem Becomes Known
Insurance generally cannot cover an event that was already known or foreseeable when the policy was purchased. Time-sensitive benefits may also require purchase within a specified period after the first trip payment.
If something goes wrong
How to Prepare a Travel Insurance Claim
Good documentation can help the insurer assess whether your loss qualifies under the policy.
Contact Assistance
For an emergency, seek immediate help and contact the insurer’s assistance service as soon as reasonably possible.
Keep Your Records
Retain booking confirmations, receipts, medical reports, carrier notices and evidence of the event.
Limit Further Loss
Take reasonable steps to reduce additional expenses and follow the instructions in your policy.
Submit Promptly
Complete the claim accurately and submit the requested documentation within the applicable deadline.
Frequently asked questions
Travel Insurance Questions Answered
Is travel insurance worth buying?
It may be valuable when you have substantial non-refundable
trip costs, limited overseas medical protection or concerns
about the financial effects of covered cancellations,
medical emergencies and travel disruptions. Suitability
depends on your trip and existing coverage.
When should I purchase travel insurance?
Consider comparing policies soon after making your first
trip payment. Certain benefits or pre-existing-condition
waivers may have time-sensitive purchase requirements.
Read the specific plan terms before relying on any benefit.
Does travel insurance cover every cancellation?
No. Standard trip-cancellation benefits generally apply
only to reasons named or defined as covered in the policy.
Changing your mind is not normally covered unless eligible
Cancel for Any Reason protection was purchased and all its
requirements are satisfied.
What is Cancel for Any Reason coverage?
Cancel for Any Reason, often called CFAR, is an optional
benefit available with certain policies. It normally
reimburses only a percentage of eligible insured costs and
has strict purchase and cancellation deadlines.
Does travel insurance cover pre-existing conditions?
Coverage varies. Some plans may provide a waiver when the
traveler meets specific purchase timing, eligibility and
medical requirements. Never assume a condition is covered
without reading the policy.
Is travel insurance the same as health insurance?
No. Travel insurance generally provides limited benefits
for specified emergencies during an insured trip. It is
not a replacement for comprehensive domestic or
international health insurance.
Are adventure sports automatically covered?
No. Activities may be covered, excluded or restricted to
a particular policy level. Confirm the exact activity,
conditions and required coverage level before participating.
Will every travel insurance claim be paid?
No. The insurer assesses each claim against the policy.
Payment depends on whether the event is covered, whether
all conditions were met and whether sufficient supporting
evidence was provided.
How much does travel insurance cost?
Pricing can depend on the traveler’s age and state of
residence, destination, trip duration, insured trip cost,
selected benefits and other underwriting factors. Generate
personalized quotes to compare actual prices.
Compare before purchasing
Find Protection That Matches Your Journey
Generate personalized quotes and compare covered reasons, medical benefits, cancellation limits, activities, exclusions and the total premium before selecting a policy.
Editorial disclosure: BLAK BEIGE provides general educational information to help travelers research insurance options. Policy availability, pricing, benefits, limits and eligibility may vary by traveler, trip, plan and state of residence.
Insurance notice: Coverage is subject to the complete policy wording, including all definitions, covered reasons, conditions, benefit limits and exclusions. Quotes do not guarantee coverage, and claims are assessed by the relevant insurer or claims administrator.
Important: This content does not constitute personalized insurance, financial, medical, tax or legal advice. BLAK BEIGE is not an insurer, insurance carrier, claims administrator or emergency-assistance provider.
Allianz Travel Insurance and World Nomads are independent third-party brands. Review the provider’s official website and policy documents before purchasing.
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