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USAA Travel Insurance Review: What to Know

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USAA

4.0

NerdWallet rating 

If you’re already a USAA member, getting a quote & managing your travel insurance is convenient through your existing account.

  • Flexible packages with several optional add ons.
  • CFAR upgrades available.
  • Medically-focused policy option.
  • Not available to everyone, must have US Armed Forces service (some family members also eligible).

USAA

4.0

NerdWallet rating 

If you’re already a USAA member, getting a quote & managing your travel insurance is convenient through your existing account.

  • Flexible packages with several optional add ons.
  • CFAR upgrades available.
  • Medically-focused policy option.
  • Not available to everyone, must have US Armed Forces service (some family members also eligible).

If you currently serve, or have served, in the U.S. armed forces and are planning a vacation, did you know that you have access to travel insurance benefits through USAA?

Founded in 1922 by a group of U.S. Army officers, USAA is a well-established Fortune 500 company with more than 13 million members as of 2020. USAA offers financial products including banking, investing and insurance to people and families who serve or have served in the U.S. military.

When you become a member of USAA (which is free if you qualify), you have access to various benefits, products and discounts, including travel insurance, which can help protect you and your nonrefundable plans if something derails your vacation. USAA’s trip insurance plans are administered by Travel Insured International, a company with over 25 years in the industry.

Here’s a look at various travel insurance options offered by USAA to help you decide if the policies are right for you.

What travel insurance plans does USAA offer?

USAA offers single-trip plans. Coverage begins when you purchase a policy and ends when you return home from your trip.

Because you have to be a member to view USAA plans, NerdWallet reached out to a USAA representative with two sample trips: a two-week trip to Italy by a 40-year-old from Hawaii ($5,000 estimated cost) and a one-week trip to Mexico by a 60-year-old from Nebraska ($3,000 estimated cost).

For both trips, we received three travel insurance plan options to choose from:

  • Worldwide Trip Protector, which also offers Cancel For Any Reason, or CFAR, as an optional add-on.

  • Worldwide Trip Protector Lite.

  • Travel Medical Protector.

It’s important to note that travel insurance policies depend on your state of residency; your USAA travel insurance plan options may differ from above if you live in another state.

USAA travel insurance cost

The total cost for coverage typically varies based on your total trip cost and your age. Generally, USAA’s Travel Medical Protector plans are more affordable than its other options. This difference in price is due to benefits and limits offered in each of the plans (more on this next).

How much does USAA travel insurance cost? Here’s how it breaks down between our two sample itineraries.

Trip 1: $5,000, two-week trip to Italy by a 40-year-old from Hawaii

Worldwide Trip Protector Lite

Worldwide Trip Protector with CFAR

Trip 2: $3,000, one-week trip to Mexico by a 60-year-old from Nebraska

Worldwide Trip Protector Lite

Worldwide Trip Protector with CFAR

About USAA’s travel insurance benefits

Below is the list of benefits offered broken down by plan, along with the limits.

Worldwide Trip Protector Lite

Missed tour/cruise connection

Accident and sickness medical expense

Emergency medical evacuation and repatriation

Medical evacuation and repatriation of remains

Baggage and personal effects

Optional rental car damage

Nonmedical emergency evac

Political/security evac and natural disaster evac

Accidental death and dismemberment – 24 hour

If you already have a premium travel credit card and you’re satisfied with the travel insurance limits, you may be fine with just getting the Travel Medical Protector plan. But if the limits offered on your credit card are insufficient or you don’t have a credit card that provides travel insurance, the Worldwide Trip Protector Lite or Worldwide Trip Protector plans are solid options.

Worldwide Trip Protector Lite benefits

The Worldwide Trip Protector Lite plan offers basic coverage, but still provides benefits like 100% trip cancellation and 100% trip interruption, $300 trip delay, $100,000 in medical evacuation and $10,000 for medical expenses, among other benefits. The maximum trip length is 30 days.

This plan also offers some add-on options including car rental damage, Cancel For Work Reason and optional flight accident. The Cancel for Work Reason add-on would allow you to cancel a trip for a work-related reason as long as the cancellation meets the guidelines set in the policy.

Worldwide Trip Protector benefits

The Worldwide Trip Protector plan is more comprehensive, with 100% trip cancellation, 150% trip interruption, $1,500 trip delay, $1 million in medical evacuation, $100,000 for medical expenses and many other benefits. The maximum trip length is 180 days.

This plan also offers a host of add-ons to choose from including CFAR coverage, rental car damage, electronic equipment and many others.

  • CFAR lets you cancel a trip for any reason whatsoever and receive up to 75% of your nonrefundable deposit back (as long as you cancel within 48 hours before departure and you add all of your travel arrangements to your trip within 21 days of the initial payment). If you’re worried that something may derail your nonrefundable trip, CFAR is a good option to have because of its flexibility.

  • Optional electronic equipment provides up to $2,000 to replace your owned or leased cell phone, laptop or other equipment if it is stolen, lost or damaged while you’re vacationing.

If you want high limits and the ability to add many a la carte benefits to your travel insurance policy, the Worldwide Trip Protector Plus is the plan to go with. However, if you’re just looking for basic coverage and some add-on options, consider the Worldwide Trip Protector Lite plan.

Travel Medical Protector benefits

The Travel Medical Protector plan is designed to offer medical coverage when you’re traveling outside the U.S. The benefits are mainly focused on medical care, with $50,000 for medical expenses, $1 million for medical evacuation and repatriation, $150,000 for nonmedical evacuation, $5,000 for trip interruption and $1,000 coverage for delays.

If you don’t need pre-departure trip cancellation coverage and are mainly concerned about unexpected medical emergencies, this is a good plan to consider. Additionally, if you hold a premium travel card that offers trip cancellation insurance (like the Chase Sapphire Reserve®) and the limits are adequate, a standalone medical plan might be the most cost-effective option.

🤓Nerdy Tip

The Cancel For Any Reason supplement is offered only on the Worldwide Trip Protector plan, so if you’re looking for this benefit, that’s the plan you’ll want to go with.

What’s not covered by USAA travel insurance

Although travel insurance covers many events, not everything will be covered, including:

  • Fear of travel. Wanting to cancel a trip because circumstances have changed and you’re now scared to travel will not qualify as a covered reason. If you’d like the option to cancel your trip for any reason whatsoever, you’ll need to purchase the CFAR supplement, which you can add to your Worldwide Trip Protector policy.

  • Specific events. General exclusions not usually covered by insurers won’t be covered here either. Example events include self-harm, war, participating in dangerous activities (e.g., skydiving), committing a felony or getting into an accident while intoxicated. You’ll need to review the policy’s fine print to know exactly what is and isn’t covered.

How to get a USAA travel insurance plan

If you’re currently serving or have served in the U.S. military, joining USAA could offer some money-saving benefits, including travel insurance. Since USAA travel insurance plans are available only to members, you will need to purchase a USAA membership before seeing plan options. Then log in to your member portal to see plan quotes.

If you have any questions, reach out to USAA at 800-531-8722.

Determine if your quotes are a good deal

One way to check if USAA travel insurance is the best value is to compare your USAA quotes to those listed on an insurance comparison site like Squaremouth. To see what other plan options are available, input your trip details and cross-reference the cost and coverage of those plans to what you’re seeing with USAA.

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US to Charge a $15,000 Visa Bond to Some Tourists: What You Need to Know

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Today, the State Department announced a new visa bond pilot program that will take effect on August 20. On that date, visitors from certain countries may need to pay a bond of $5,000 to $15,000 to enter the country as a tourist.

Like the $250 visa integrity fee introduced with the passage of the “One Big, Beautiful Bill,” it’s essentially a refundable security deposit. Visitors will get the money refunded if they don’t breach the terms of the bond.



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How to avoid Paris pickpockets with safety tips from travelers and embassy

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When it comes to traveling abroad, some people may be worried about their safety and want to keep their guard up.

In the “r/ParisTravelGuide” forum on Reddit, a traveler asked others for advice on pickpockets. 

“My family will be traveling to Paris next month,” the person wrote. “It will be our first time visiting Europe, and we are very excited — but also a bit nervous.”

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The user added, “We tend to look quite innocent, and we’re worried we might be easy targets for pickpockets. We won’t have a tour guide and will be managing everything on our own.”

Others on the platform took to the comments section to share advice and their own experiences.

Each year some 2,000 Americans report their passports stolen or lost in Paris. (ALAIN JOCARD/AFP via Getty Images)

“Just know they target tourists,” wrote one person. “They only hang out in tourist areas and by your clothing it will be obvious you are not Parisian. They never bother me and I’ve never been robbed nor has a single person I know.”

Another user shared, “In the last 2 years, I’ve stopped two pickpockets in the subway. In one case, they were reaching into someone’s backpack and in the other for a phone in a loose back pocket. The strategy is to keep [your] items in places that are difficult to access.”

Said a different person, “Stay alert in touristy areas, keep your bag in front of you on the Metro, and avoid engaging with strangers who approach you (anyone).”

AMERICAN OFFICIALS WARN NIGERIAN WOMEN AGAINST BIRTH TOURISM: ‘THIS IS NOT PERMITTED’

One person wrote, “Be mindful. Carry bags that close, wear a cross-body bag, keep all zippers closed, don’t flash cash or jewelry. And if a stranger approaches you to hold something or offers to take your photo, walk away.”

Said yet another person, “I’m staggered how many tourists I see on the Metro with a backpack on. Makes it so easy for pickpockets to steal from them.”

A Redditor wrote, “The [number] of people I watched on their phones by the doors of the trains was staggering and does present an opportunistic grab-and-run scenario. Don’t do that.”

Both the U.S. Embassy and the Reddit community have provided pickpocket prevention strategies for tourists who travel to Paris. (iStock)

Each year some 2,000 Americans report their passports stolen or lost in Paris, according to the U.S. Embassy in France. 

The Embassy and Consulate in France have a whole page dedicated to “Pickpockets in Paris.”

Travelers are advised not to bring along more than $50 to $60 in cash.

Says the site, “The first rule of thumb is don’t have anything more in your wallet than you are willing to lose.”

The embassy also advises bringing only one credit card or ATM card along and only one piece of identification.

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Travelers are also advised not to bring along more than $50 to $60 in cash.

Tourist spots such as the Eiffel Tower, Notre Dame and the Champs-Elysées are areas where visitors are most likely to be pickpocketed, according to the embassy.

“The first rule of thumb is don’t have anything more in your wallet than you are willing to lose.” (iStock)

“Americans in Paris should be particularly alert to thieves who commonly work near tourist attractions such as museums, monuments, restaurants, hotels, beaches, trains, train stations, airports, subways and target vehicles with non-local license plates,” the embassy cautions. 

The embassy also discusses the different tactics pickpocketers use, whether on the street or on public transportation.

“Two or more people will approach you and ask for directions.”

If riding the Metro, the embassy says that “the most popular is the crush-and-grab. You will be swarmed by several people all trying to get on or off.”

“While they are pushing you, they are also picking your pockets,” notes the advisory.

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“Another trick is to grab the purse of someone sitting right by the door and to hop off just as the doors are closing.”

Pickpocketers most frequently use a distraction technique on the streets. 

“Two or more people will approach you and ask for directions, try to sell you stuff or just crowd you. While you are occupied with one person, another is picking your pocket,” the embassy says. 

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Travelers should also watch out for something getting spilled or thrown on them, as a criminal may offer to help clean up while another person picks your pocket. 

The Consular Section of the Embassy has information on how to replace certain items which have been stolen or lost.



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America’s Best Bucket List Destinations and How To Protect Them

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ST. PETERSBURG, Fla., Aug. 5, 2025 /PRNewswire/ — Like temperatures across the nation, domestic travel is on the rise this summer, with more travelers opting for trips closer to home. Squaremouth, the nation’s largest travel insurance marketplace, reports that domestic trips account for 16% of all travel insurance sales this summer, up from just 11% this spring.

As more Americans prioritize domestic trips, Squaremouth breaks down the country’s top bucket list destinations and explains how travel insurance can provide valuable peace of mind for each trip type.

Iconic Cities
World-famous destinations like New York, San Francisco, and Las Vegas offer endless entertainment, sightseeing, and culinary delights. However, these high-traffic cities are synonymous with busy airports and packed runways, making them prone to flight disruptions.

How Travel Insurance Can Help:

  • Trip Cancellations: Can reimburse your non-refundable trip costs if you’re forced to cancel your trip for reasons out of your control.
  • Flight Delays: Covers food, accommodation, and local transportation expenses if your flight is significantly delayed.
  • Missed Connections: Covers the cost to make new travel arrangements if a delay results in you missing a connecting flight later in your travel itinerary.

National Parks
From the Grand Canyon to Yellowstone, Yosemite to Acadia, America’s national parks offer stunning landscapes, wildlife encounters, and endless adventure. However, visiting these parks also offers unpredictable weather conditions, remote locations, and often rugged terrain.

How Travel Insurance Can Help:

  • Weather Protection: Provides reimbursement for your travel expenses if your trip is cancelled, interrupted, or delayed by inclement weather.
  • Medical Evacuations: Covers the cost to be airlifted to a nearby medical facility if you get injured or severely ill while exploring remote locations.
  • Adventurous Sport Coverage: Some policies offer unique protection to travelers who get injured while rock climbing, rafting, or participating in other high-risk activities.

Family Destinations
Family-friendly destinations like Disney World, San Diego, and Chicago are surging in popularity among travelers looking to create lasting memories with their children. But, as many parents know, traveling with young children can mean a higher chance of illness, last-minute itinerary changes, and other surprises.

How Travel Insurance Can Help:

  • Medical Expenses for Children: Covers the cost of unexpected hospital stays, doctor visits, prescription medications, and other medical expenses during a trip.
  • Emergency Assistance Services: Offers 24-hour emergency assistance to help refer care, coordinate medical evacuations, and provide other time-sensitive services.
  • Concierge Services: Some plans include a dedicated concierge service that can help you purchase last-minute amusement park tickets, dinner reservations, and more.

Historic Charm
Rich in history and culture, destinations like Washington D.C., Philadelphia, and New Orleans provide an in-depth look into American history. From museums to tours, many of the attractions found in these cities require advanced planning and prepaid reservations, resulting in lost expenses if your trip gets canceled or interrupted.

How Travel Insurance Can Help:

  • Booking Protection: Since tours and tickets are often prepaid, your policy may reimburse these non-refundable bookings if you’re forced to cancel your trip.
  • Trip Interruption: Reimburses unused prepaid trip expenses if a family emergency or severe weather event forces you to end your trip early.

About Squaremouth
Squaremouth is a trusted name in the travel insurance industry, offering comprehensive, transparent, and competitive coverage to travelers for 20 years through its digital platform. With the largest portfolio of travel insurance carriers and products in the U.S., Squaremouth has insured over 4 million travelers.

Media Contact
Steven Benna
[email protected]

SOURCE Squaremouth



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