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Pros

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.

Cons

  • Most expensive of our best-rated travel insurance plans.
  • No “interruption for any reason” coverage option.
  • Weak baggage delay coverage of $250 per person after 12 hours.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

TravelSafe travel insurance overview

TravelSafe insurance offers two travel insurance plans: Basic and Classic. Upgrading to the Classic plan increases your coverage to best-in-class missed connection and medical evacuation benefits. The TravelSafe Classic plan receives a 4.5-star rating in our analysis of the best travel insurance plans

TravelSafe’s optional coverages include protection for rented sports equipment, cars and business equipment. With the Classic plan, you can also add “cancel for any reason” coverage that reimburses you for up to 75% of your nonrefundable insured trip expenses.

We break down both plans in this TravelSafe travel insurance review, including sample pricing and common exclusions.

TravelSafe travel insurance plans

TravelSafe offers two travel insurance plans to choose from: Basic and Classic. While both plans provide coverage for travel arrangements, medical, belongings and worldwide travel assistance, there are key coverage differences between the two. The Classic plan also offers additional benefits you won’t find in the Basic plan.

TravelSafe Basic plan

  • Trip cancellation. The TravelSafe Basic insurance policy includes trip cancellation insurance for 100% of your prepaid, nonrefundable travel expenses, up to $10,000 per person. 
  • Trip interruption. This plan also provides up to 100% trip interruption for nonrefundable trip costs. 
  • Missed connections. If you miss your trip connection by more than three hours, the Basic plan will reimburse up to $500. 
  • Trip delay. For trip delays longer than six hours, you’ll receive up to $100 daily for covered expenses, or a maximum of $1,000. 
  • Travel medical. The Basic plan provides up to $35,000 for accident and sickness travel medical insurance and up to $750 as primary coverage for dental expenses. 
  • Emergency medical evacuation. The plan covers up to $100,000 in emergency medical evacuation expenses or repatriation of remains. 
  • Baggage. You get up to $500 reimbursement for baggage and personal effects reimbursement for covered losses. The policy will pay up to $100 if your bags are delayed more than 12 hours. 

TravelSafe Classic plan

The TravelSafe Classic plan is the same as the Basic plan, with enhanced benefits.

  • Trip cancellation and interruption. You’ll get up to $100,000 per person for trip cancellation and up to 150% of the non-refundable insured trip cost for trip interruption.
  • Missed connections. The Classic plan will reimburse up to $2,500 if you miss a connection by over three hours.
  • Trip delay. The trip delay coverage reimburses up to $150 per day with a maximum of $2,000 for delays over six hours.
  • Travel medical. The medical coverage in the Classic plan offers the same $750 dental expense sub-limit but increases the accident and sickness medical coverage up to $100,000.
  • Emergency evacuation. There is up to $1 million in medical evacuation and repatriation of remains. There is also coverage of up to $25,000 for political or security evacuation and natural disaster evacuation. If you are accidentally dismembered or killed during your travel within 24 hours outside of being on a flight, the Classic plan will provide up to $25,000.
  • Baggage. For baggage and personal effects, you’ll get up to $2,500 instead of the $500 with the Basic plan. And baggage delay coverage increases up to $250 if delayed 12 hours or more.
  • Pet kennel. The Classic plan includes up to $100 per day for pet kennel coverage.

Other coverage options offered

TravelSafe insurance offers several optional coverages that some travelers may find beneficial.

“Cancel-for-any-reason” (CFAR) coverage

TravelSafe’s “cancel for any reason” coverage allows you to expand the reasons you can cancel your trip. If you cancel the trip at least two days before your departure date, you can be reimbursed for up to 75% of the prepaid, nonrefundable trip cost.

This option is only available on the Classic plan and is unavailable to New York residents.

Extended personal property benefits

This optional add-on coverage extends your baggage and personal effects coverage. With this coverage, if you rent sports equipment for your trip and it’s damaged by a common carrier, lost or stolen, you can receive up to $1,000 reimbursement. It also will pay if the equipment is delayed on a common carrier by at least 12 hours.

This coverage also provides up to $1,000 in coverage for items typically not included, like:

  • Professional or occupational equipment or property.
  • Telephones.
  • PDA devices.
  • Computer software or hardware.

This optional coverage is available on both plans. There is a $100 deductible if you file a claim. 

Air flight only accidental death & dismemberment (AD&D)

Air flight AD&D coverage is available on both the Basic and Classic plans. You can choose up to $100,000, $250,000 or $500,000 in coverage. This add-on coverage pays only if you are a passenger on a regularly scheduled common carrier or chartered flight.

The plan pays according to the loss type. For example, losing one hand, foot or eye means you’ll only get 50% of the coverage. But if you lose two limbs, eyes or your life, the policy will pay the maximum sum. 

Rental car damage

TravelSafe offers optional rental car damage on both plans, which will pay up to $35,000 per covered vehicle. Some examples of covered losses include vandalism, windstorms, collision or theft. The add-on coverage excludes exotic car rentals.

What TravelSafe doesn't cover

Travel insurance plans have exclusions to coverage, so it’s a good idea to check the fine print to know what your plan won’t cover. Here are some TravelSafe insurance plan exclusions:

  • Being under drug influence except when prescribed by a physician.
  • Driving or riding in races.
  • Taking part in adventure or extreme activities, including endurance, speed competitions or events.
  • Diving when not certified or in the presence of a divemaster.
  • Elective procedures or treatments.
  • Routine physical exams or dental care.
  • Mental, nervous or psychological conditions or disorders unless partially or completely hospitalized.

TravelSafe travel insurance rates

SAMPLE TRIPCOST OF TRAVELSAFE CLASSIC PLAN
Two travelers age 30, $3,000 trip cost, traveling to Mexico for eight days
$148
Two travelers age 70, $3,000 trip cost, traveling to Mexico for eight days
$282
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days
$358
Four travelers ages 40, 40, 10 and 7, $15,000 trip cost, traveling to Italy for 17 days
$550
Two travelers, age 65, $6,000 trip cost, traveling to Italy for 17 days
$582

Compare the best travel insurance companies of 2024

Travel insurance companyTop-scoring planOur ratingMedical benefits per personEvacuation limits per personLearn More
Atlas Journey Preferred
$100,000
secondary coverage
$1,000,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planAtlas Journey Preferred
Our rating
Medical benefits per person$100,000
secondary coverage
Evacuation limits per person$1,000,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Worldwide Trip Protector
$100,000 
primary coverage
$1,000,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planWorldwide Trip Protector
Our rating
Medical benefits per person$100,000 
primary coverage
Evacuation limits per person$1,000,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Classic
$100,000 
primary coverage
$1,000,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planClassic
Our rating
Medical benefits per person$100,000 
primary coverage
Evacuation limits per person$1,000,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Go Ready Choice
$50,000
secondary coverage
$250,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planGo Ready Choice
Our rating
Medical benefits per person$50,000
secondary coverage
Evacuation limits per person$250,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Travel Select
$50,000
primary coverage
$500,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planTravel Select
Our rating
Medical benefits per person$50,000
primary coverage
Evacuation limits per person$500,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Travel Guard Preferred
$50,000
Primary coverage
$500,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planTravel Guard Preferred
Our rating
Medical benefits per person$50,000
Primary coverage
Evacuation limits per person$500,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Cruise Choice
$100,000
secondary coverage
$500,000
Compare Quotes

Via TravelInsurance.com’s website

Travel insurance company
Top-scoring planCruise Choice
Our rating
Medical benefits per person$100,000
secondary coverage
Evacuation limits per person$500,000
Learn More
Compare Quotes

Via TravelInsurance.com’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

TravelSafe travel insurance FAQs

Yes, TravelSafe travel insurance covers COVID-19 as any other type of sickness. The policy coverage, limits and exclusions may vary by your specific TravelSafe plan. Be sure to review your TravelSafe insurance policy before traveling to know how COVID-19 is covered, how to make a claim for COVID-19 and what you have to do to get your claim approved.

TravelSafe insurance does offer an optional upgrade to “cancel for any reason” coverage if you buy the Classic plan. The TavelSafe Classic policy will reimburse up to 75% of your non-refundable trip cost if you purchase a TravelSafe plan within 21 days of your initial trip payment or deposit. This option is not available in New York. The Basic plan does not offer “cancel for any reason” coverage. 

TravelSafe considers any disease, illness or condition you received or were recommended to receive examination, testing or medical treatment within 60 days of your insurance plan’s effective date as a pre-existing condition. 

TravelSafe will waive the pre-existing medical condition exclusion if you purchased your policy within 21 days of making your initial trip deposit or payment and were not deemed disabled from travel when purchasing your policy. 

This pre-existing conditions exclusion waiver is available in all states for the Classic plan. With the Basic plan, however, the waiver is only available for residents of Florida, Missouri, Kansas, Virginia and Washington.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

BLUEPRINT

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub

BLUEPRINT

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.