Tips & Advices
Best Cheap Travel Insurance of 2025
The best travel insurance should be able to meet your needs at a price you’re willing to pay. Sometimes, you’re just not willing to pay that much. The following companies offer decent coverage for low prices.
To determine the best cheap travel insurance, we compared quotes across the travel insurance industry for the same trip, making a note of which providers offered particularly good coverage in certain areas and which companies were well reviewed.
Here are the best cheap travel insurance picked by Business Insider editors in 2025.
Best Cheap Travel Insurance Plans
Get Affordable Travel Insurance Quotes Online
Best Cheap Travel Insurance Overall
HTH Worldwide Travel Insurance
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AM Best Financial Strength Rating
A-
- Three plans to choose from
- Reasonable premiums
- CFAR coverage available with some plans
- High medical emergency and evacuation coverage
- Special coverages for pets, sports equipment, etc not available
- Limited reviews with complaints about claims not being paid
Product Details
- Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
- Cancel for any reason insurance and missed connection insurance available with the Preferred plan
- Baggage delay insurance starting after 24 or 12 hours depending on the plan
The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.
You’ll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.
However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).
Best Cheap Travel Insurance for Trip Cancellation
Aegis General Travel Insurance
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AM Best Financial Strength Rating
B++
- Offers a CFAR upgrade add-on on certain plans
- Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
- Competitive pricing
- Online complaints about claims not being paid and non-responsiveness
- Not all more expensive plans include CFAR coverage
- Dropping rating with AM Best
Product Details
- Annual and multi-trip plans available
- All plans include pandemic coverage for COVID-19
- Coverage for weather-related delays, cancellations and other incidents
The Aegis General Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.
The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won’t get any protection for medical emergencies, trip interruption, or delays or lost bags.
Best Cheap Travel Insurance for Medical Coverage
GeoBlue Travel Insurance
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AM Best Financial Strength Rating
A-
- A subsidary of Blue Cross Blue Shield
- Offers strong medical plans as long as you have a regular health insurance plan, but it doesn’t have to be through Blue Cross
- Offers long-term and multi-trip travel protection
- Multiple complaints about claims not being paid or being denied
- Does not provide some of the more comprehensive coverage like CFAR insurance
- Buyers who do get claims paid may need to file multiple claim forms
GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance. Without trip protection and very little trip inconvenience coverage, it costs much less than comprehensive travel insurance. A 30-year-old from a California ZIP code could pay as low as $20.55 for a policy that covers a two-week trip.
GeoBlue travel insurance plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It’s worth noting that coverage for preexisting conditions comes with additional costs.
Best Cheap Travel Insurance for Families
Travel Insured International
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AM Best Financial Strength Rating
A
- Offers 2 major plans including CFAR coverage on the more expensive option
- Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
- Frequent traveler reward included in both policies
- Up to $1 million in medical evacuation coverage available
- Medical coverage is only $100,000
- Reviews on claims processing indicate ongoing issues
Product Details
- C&F’s Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.
Travel Insured International aren’t actually particularly cheap for younger solo travelers. However, it stands out in affordability for families with its child-inclusive policies, meaning kids 17 and under are covered for free when traveling with a covered adult.
Travel Insured International’s Deluxe and Platinum plans offer child-inclusive travel insurance premiums.
Best Cheap Travel Insurance for Value
Nationwide Travel Insurance
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AM Best Financial Strength Rating
A-
Reimbursement Options
Up to 200%
- Three cruise-specific plans to choose from
- Annual travel insurance plans available
- Strong trip cancellation coverage
- Cancel for any reason coverage available
- CFAR insurance not available with every single plan
- Medical coverage is lower than what some competitors offer
Insider’s Take
Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There’s also baggage delay coverage and medical coverage.
Product Details
- Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
- Cancel for any reason coverage available
Nationwide Travel Insurance is a well-rounded cheap travel insurance provider. It doesn’t necessarily offer the cheapest travel insurance policies, but it offers the most value for its cost.
This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays.
Best Cheap Travel Insurance for Multiple Trips
Trawick International Travel Insurance
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- Useful for adventurous travelers headed to higher-risk destinations
- Affordable plans with varying levels of coverage
- 10-day free look option
- Generous baggage loss replacement policy
- Trip delay coverage kicks in after just six hours
- Some policies allow a CFAR add-on
- Up to $1 million medical evacuation coverage limit
- Baggage and trip delay coverages don’t kick in until after the 12-hour mark
- International student policies available for temporary stints abroad
- Complaints about claims not being paid or involving an intermediary to resolve claims
Product Details
- Travel medical insurance
- Trip protection and cancellation
- International student insurance
- Visitor medical insurance (for traveling to the US)
Trawick International Travel Insurance offers three tiers of coverage for annual multi-trip travel insurance: Basic, Deluxe, and Executive. It charges flat fees for each tier of coverage, charging $163 for Basic, $421 for Deluxe, and $817 for Executive.
As travel insurance premiums often rise for older travelers, the flat fee is great for older travelers who are looking for cheap annual travel insurance. Travelers up to 81 years old are eligible for coverage.
Compare Affordable Travel Insurance Companies
Types of Affordable Travel Insurance
Comprehensive Travel Insurance Coverage
This type of travel insurance offers both travel medical insurance and trip cancellation coverage. Depending on your policy, you may also get benefits like lost baggage, trip delay, and emergency evacuation coverage.
Premiums for comprehensive coverage will be higher than if you bought trip cancellation on its own. However, you can still get cheap comprehensive coverage. You’ll just need to choose a lower coverage level. While this may not be ideal for more expensive trips, lower coverage should be sufficient for budget travel.
Medical-Only Coverage
As the name suggests, this policy focuses solely on travel medical emergencies, dropping trip cancellation coverage and travel inconvenience coverage. It’s a cost-effective option for travelers who are primarily concerned about health-related expenses.
Evacuation and Repatriation
In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs. It’s a particularly important benefit for cruise insurance, where sea-to-air evacuations can be costly.
Similar to medical-only coverage, doing away with trip cancellation and inconvenience coverage can save you money.
Benefits of Opting for Cheap Travel Insurance
Cost Savings
Just because a travel insurance policy is cheap doesn’t mean it’s lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank. It’ll also leave you with more money to spend during your trip.
Adequate Coverage for Less
Not every trip needs the most comprehensive insurance policy. For example, trips where most of your bookings are refundable may not warrant trip cancellation insurance, further reducing the cost of your travel insurance.
Additionally, you may want to forgo travel medical insurance and save money if you’re young and in generally good health or if you’re taking a short, low-risk trip.
All this is to say that you should seriously consider what kind of trip you’re taking before rushing to the most comprehensive travel insurance policy.
How to Pick The Best Cheap Travel Insurance Plan for You
No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn’t be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.
In most cases, the cost difference between a basic and comprehensive travel insurance plan isn’t as significant as you might think. Regardless, it’s generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel insurance aggregator SquareMouth.)
- Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you’re not over-insured or underinsured.
- Comparing Different Policies: Don’t settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
- Reading the Fine Print: Always read the terms and conditions carefully to understand what’s covered, what’s not, and the process for making a claim.
Why You Should Trust Us: How We Reviewed Cheap Travel Insurance
To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.
Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.
Cost
The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance, which can range between 4% to 8% of total travel expenses, according to the U.S. Travel Insurance Association.
But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or “cancel for any reason” (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.
Convenience and Flexibility
Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.
Sufficient Coverage in Essential Categories
The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now.
You can read more about how Business Insider rates travel insurance.
FAQs
Yes, there are alternatives to cheap travel insurance. Some travel credit cards have travel protection benefits. However, for emergency medical expenses, travel insurance is still the best option.
Aegis offers the cheapest travel insurance with its Trip Cancellation Plan, but HTH travel insurance is the best cheap travel insurance overall.
Yes, cheap travel insurance can provide enough coverage for international trips, as long as you understand your needs. You can find our guide on the best international travel insurance here.
To find the right travel insurance plan for your budget, understand the risks associated with your trip and your needs. Get the coverage you need before looking into additional insurance.
Travel insurance is so cheap because it covers you for a short period and the payouts are usually low. Premiums rise with more coverage and add-ons like CFAR coverage.
Once again this year, the Highway Patrol, in anticipation of the massive summer exodus, wants to disseminate the useful vademecum to tackle and reach holiday destinations safely, advice that remains valid for any movement. Before setting off, it is good practice, first of all, to check the vehicle’s efficiency, with particular attention to the tire pressure and tread conditions which must not be less than 1.6 millimeters. Equally important, if the vehicle is equipped, is to also check the conditions of the spare wheel or otherwise the inflation kit. Check the engine fluid levels, brake pad wear, and therefore the correct functioning of all the vehicle’s lighting devices such as headlights, rear lights, brake lights, and turn signals. Equally important is the condition of the front and rear windshield wipers, whose proper functioning is essential for optimal visibility even in case of rain. The arrangement of the luggage must also be taken care of in such a way that the distribution of the loads does not unbalance the stability of the vehicle and, if using roof racks, always ensure they are well anchored. In case of transport, pets must be secured in the appropriate carriers. Before departure, avoid consuming large meals or drinking alcoholic beverages and possibly check the traffic and weather conditions along the route to be traveled. It is also reminded that it is mandatory for passengers in the front and rear seats to always wear seat belts and secure children in appropriate approved seats. For those traveling on two wheels, it is important to fasten the protective helmet properly and use protective measures. During the journey, proceed at a moderate speed, respecting the limits set by the road owner, exercising maximum caution if you decide to overtake using the appropriate lane. Traffic on the highway, the red and black flag days for August 2025. Avoid any distraction during the journey, especially using the smartphone, even for a very short moment because hundreds of meters are covered without the necessary attention. On the highway, it is reminded that it is allowed to occupy the emergency lanes only in cases of actual necessity, and if so, position the emergency triangle at least 100 meters from the broken-down vehicle, always wearing the reflective vest. Where possible, however, it is better to stop in the appropriate service areas. In any case, without further delay, contact the single emergency number (112) indicating the exact position and wait for the arrival of assistance. At the same number, all possible issues such as accidents, vehicles in trouble, objects on the road, or fires must be reported; in this regard, it is absolutely forbidden to throw cigarettes or matches out of the windows. In case of fatigue, it is advisable to reach a safe place for a stop, so as to resume normal attention conditions for safe and responsible driving. On the State Police website, in the area reserved for Italy’s Viability (https://www.poliziadistato.it/articolo/1815cb58d622d6ac985858152) the ‘Summer Exodus Plan 2025’ has been published where it is possible to find: – the intense traffic calendar (flags); – the mapping of the road and motorway sections most subject to traffic issues and related alternative itineraries (north – center – south and islands); – the geographical areas ordinarily subject to overflight by State Police and Carabinieri aircraft; – the railway police surveillance plan; – the mapping of speed detection systems (tutors) located on the motorway network.
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This article is automatically translated
JACKSON, Miss. (WJTV) – Mississippi parents and students are encouraged to stay safe while going to school and back home.
AMR in central Mississippi advised parents to teach their children the following rules to stay safe when traveling to or from school.
Getting on or off the bus:
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Riders should stay outside the “danger zone” around the bus. The danger zone is ten feet wide all the way around the bus. For little children, say six “giant steps” At that distance from the bus, the bus driver can see a child.
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If you drop something near the bus, first signal the driver and tell him or her. Never try to pick it up first because the driver may not be able to see you.
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Always stay away from the wheels of the bus.
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Hold on to the handrail on the bus.
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Never assume other vehicles have stopped for the school bus. Keep watching for other vehicles as you walk in front of the bus.
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If you must cross the street in front of the bus, walk at least ten feet ahead of the bus until you can turn around and see the driver.
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Make sure the bus driver can see you.
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Wait for a signal from the bus driver before beginning to cross.
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When the bus driver signals for you to cross, walk across the road while also keeping an eye out for sudden traffic changes.
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If you leave something on the bus, never go back to get it. The bus may already be moving and the driver might not see the child.
Getting to the bus stop:
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Parents should walk smaller children to their stop.
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Each child should be dressed in contrasting bright colors.
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Leave home early enough to avoid running to the bus. Running to the bus can be dangerous.
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Older children should watch the younger ones closely.
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Children walking or standing in groups are easier for drivers to see than one child alone.
Waiting for the bus to arrive:
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Always stand at least ten feet from the curb or edge of the road.
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Do not run or play while waiting for the bus.
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Do not take anything out of backpacks while waiting. That way, nothing gets dropped or blows away in the wind.
Getting on the bus:
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Be sure the bus driver can see you and you can see the bus driver.
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Enter the bus in a single file with the younger children first.
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Never walk behind the bus.
While the bus is in motion:
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Stay seated, facing forward.
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Keep your hands to yourself.
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Talk quietly. Don’t talk at all near railroad crossings so the driver can listen closely for sounds of a train.
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Do not distract the driver.
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Keep the aisles clear. Keep your belongings on your lap.
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Do not block emergency exits with sports equipment or musical instruments.
Walking to and from school:
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Always walk on the sidewalk when one is available.
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Cross the street only at intersections or street corners. Do not “jaywalk.” If a crosswalk is painted on the street, use it.
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Before you begin to cross the street, stop and look left, right and left again to spot oncoming cars.
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If no cars are coming, it is safe for you to cross but continue looking left-right-left as you cross.
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Do not dart into the street between parked vehicles.
Riding a bicycle to school:
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Always wear a helmet when riding your bicycle.
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Make sure that your helmet fits correctly.
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Ride on the right side of the road in the same direction other vehicles are going.
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If two or more bikers are together, ride one behind the other, not side by side.
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Come to a complete stop before crossing each street.
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Make sure clothes, shoes and the bicycle have reflective materials on them so drivers can see you more easily.
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