International travel insurance

By Allstate

Last updated: January 1

Embarking on journeys to distant places is an exciting venture, but it's also wise to travel prepared. Imagine exploring new cultures, tasting unfamiliar foods, and discovering hidden gems, all while knowing that you have a reliable companion by your side. In this article, we'll unravel the concept of international travel insurance, a tool that helps alleviate travel concerns and allows you to focus on your global adventures.

What is international travel insurance?

International travel insurance is a specialized form of insurance that provides coverage for travelers when they are outside their home country, according to the CDC. It is designed to help protect you from unexpected mishaps that may occur during your trip, ensuring you can focus on making memories rather than worrying about potential setbacks.

What does international travel insurance typically cover?

International travel insurance can cover a variety of scenarios that you may encounter during your travels. Each policy can vary based on location, activities and mode of travel, but here are some common covered circumstances.

International medical expenses

Falling ill or getting injured in a foreign country can be a daunting experience, especially with unfamiliar healthcare systems. International medical insurance typically covers your medical expenses, giving you access to quality treatment without the burden of hefty bills.

Trip cancellation/interruption

Life is unpredictable, and sometimes, unforeseen circumstances may force you to cancel or cut short your trip. With travel insurance, you can recover the non-refundable expenses incurred due to trip cancellations or interruptions.

Lost baggage

Misplaced luggage can be a significant loss during your travels. Some travel insurance plans offer compensation for lost or delayed baggage so you can replace your essentials and carry on with your journey.

Trip delay

Flight delays can disrupt your travel plans and lead to unexpected expenses. Some international travel insurance plans can help cover such delays, providing you with the financial support needed to cope with unforeseen events.

Emergency assistance

When you're in a foreign country, language barriers and unfamiliar surroundings can add to the stress during emergencies. Travel insurance often offers 24/7 emergency assistance, giving you the tools to navigate your situation regardless of the language barrier.

Coverage for cruises, planes and cars

In most circumstances, no matter how you choose to travel, there are travel insurance options available to you. These plans can help give you a sense of security and cover some of the most common issues that occur based on your mode of travel.

Cruise coverage

Cruise insurance can help cover your water-bound adventure from start to finish. This can include coverage for cancellations, inconveniences during travel, medical expenses, baggage losses, and even lodging in some plans.

Flight coverage

Flights are the most common mode of international travel, and flight coverage ensures you're protected from flight-related mishaps, such as cancellations, delays and lost baggage.

Rental car coverage

Exploring foreign destinations by car can offer a sense of freedom, but accidents can happen. Travel insurance can help cover the cost of rental car damage or theft, allowing you to enjoy your road trips worry-free.

Customizable plans

One of the greatest advantages of international travel insurance is its flexibility. Most insurers offer various customizable plans to suit your specific needs. If you are adventurous, you can get coverage for some of your higher-risk activities, while leisure travelers can stick to basic coverage.

Single trip or annual coverage

In addition to coverage for single international trips, some insurers also offer annual coverage for international travel. This option can help frequent travelers simplify their travel arrangements and provide them the peace of mind of consistent coverage.

Additional add-ons

Travel insurance companies offer add-ons to enhance your coverage, such as hazardous activities coverage, sports-related coverage, or coverage for high-value belongings.

Is international travel insurance necessary?

While international travel insurance isn’t required in most cases, it can help provide protection in unexpected situations that may become even more difficult to navigate in an unfamiliar environment.

Help when and where you need it

Navigating unexpected circumstances when traveling abroad can be difficult. Insurance providers often have access to an extensive network of international partners that can provide you with seamless support on your trip. Whether you need medical evacuation, translation services, or help during critical situations, these networks can provide you with an extra layer of support.

Where can I get international travel insurance?

Many reputable insurers offer comprehensive international travel insurance plans. Prospective international travelers should always do their research and make sure that they are getting the best coverage for their destination and activities.