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Protect the money you spent on your trip and your health abroad. Compare plans from top-rated insurers side by side and buy online in minutes.
Opens VisitorsCoverage, an independent US marketplace that compares plans from several insurers. Quotes are free. GreenSpicks is not an insurer and does not give insurance advice. We may earn a commission at no extra cost to you.
See plans from several insurance companies side by side instead of one brand’s offer.
Questions before you buy or help with a claim come from licensed agents based in the US.
Most policies are bought and issued online in minutes, with documents and ID cards sent by email.
VisitorsCoverage is BBB accredited, affiliated with USTIA and licensed in all 50 states.
Choose Your Coverage
Six Ways To Protect Your Trip
The plans American travelers buy most, with what they cover and what they typically cost.
Most popularTrip Insurance
Medicare stops at the borderTravel Medical Insurance
Most flexibleCancel For Any Reason
Missed the ship?Cruise Insurance
Frequent travelersAnnual Multi-Trip
Family visiting youVisitors To The USA
Costs and limits are typical figures published by VisitorsCoverage in October 2026. Your price depends on age, trip cost and length, destination and the plan you choose. Always read the plan’s certificate of insurance before you buy.
Special Situations
Coverage For Your Situation
Eight questions that change which plan fits, each with a clear guide and matching plans.
Travelers 65+Medicare doesn’t cover you abroadPlans with high medical limitsSee options
Pre-Existing ConditionsWaiver within 14–21 daysBuy soon after your first trip depositSee plans
Medical Evacuation$20,000–$200,000 without coverAir ambulance from remote places and shipsLearn more
Required At Entry?Some countries ask for proofCheck your destination before you flySee the list
Trip Or Medical Plan?Which one do I need?Protect your money, your health or bothCompare
New Green Card HoldersCoverage for new immigrantsHealth plans for your first monthsSee plans
Filing A ClaimUsually within 60–90 daysKeep receipts, reports and recordsHow claims work
Ask A Licensed ExpertUS-based agentsFree answers before you buyAsk nowFlight Trouble?
Delayed Or Canceled On A Flight To Europe?
Under the EU rule EC 261, flights leaving the EU, and flights into the EU on a European airline, can owe each passenger up to €600 for arrival delays of three hours or more, cancellations and denied boarding. AirHelp checks your flight for free and only charges a fee if your claim succeeds.
Compensation per passenger under EC 261. Airlines don’t pay for extraordinary circumstances such as storms, and amounts can be halved when a reroute gets you there with a shorter delay.
Buy Smart
Tips Before You Buy A Policy
Buying soon after your first trip deposit can unlock the pre-existing conditions waiver and Cancel For Any Reason.
Medicare and most US health plans don’t pay abroad. Some credit cards cover delays or bags, so read your card’s benefits guide.
Cancellation pays back what you insure. Add up flights, hotels, tours and cruise fares you can’t get refunded.
Most plans want claims within 60 to 90 days. Save receipts, airline notices and doctor reports as you go.
Planning the trip itself? Find a cheap fare on our last minute flights page and check entry rules on our travel visa page.
Know What You Buy
Coverage Explained
Trip Cancellation
Pays back prepaid, non-refundable costs when a covered reason, like illness or a family emergency, stops you from leaving.
Trip Interruption
Covers the unused part of your trip and the flight home when an emergency forces you to cut it short.
Delay & Missed Connection
Reimburses meals, a hotel night and the cost of catching up when a covered delay wrecks your schedule.
Emergency Medical
Pays for treatment, hospital stays and evacuation abroad, where your US health plan usually stops.
Good To Know
Frequently Asked Questions
Do Americans need travel insurance?
It isn’t required for most trips, but Medicare and most US health plans don’t pay for care abroad, and a single medical evacuation can cost $20,000 to $200,000. Some countries also ask for proof of coverage at entry. It’s worth it for long trips, expensive trips and older travelers.
How much does travel insurance cost?
Trip insurance usually costs about 5% to 10% of your prepaid, non-refundable trip cost. Medical-only plans for US travelers start at around $1 per day. Age, trip length, destination and add-ons such as Cancel For Any Reason change the price.
What’s the difference between trip insurance and travel medical insurance?
Trip insurance protects the money you spent: cancellation, interruption, delays and lost bags, with a smaller medical benefit. Travel medical insurance protects your health abroad with high medical and evacuation limits. Many travelers buy one, some buy both.
What does Cancel For Any Reason cost?
It typically adds 40% to 50% to the base premium and pays back 50% to 75% of your insured trip costs. You usually have to buy it within 14 to 21 days of your first trip deposit and insure the full trip cost.
Are pre-existing conditions covered?
Often, yes, through a pre-existing conditions waiver. It usually requires buying within 14 to 21 days of your first trip payment, insuring your full prepaid cost and being medically able to travel when you buy.
Does GreenSpicks sell insurance?
No. GreenSpicks is a travel website, not an insurance company or agent, and nothing on this page is insurance advice. Quotes and policies come from VisitorsCoverage and the insurers it represents. We may earn a commission when you buy through our links, which never changes your price.
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Ready To Travel Covered?
Compare plans from several insurers in minutes, buy online and get your documents by email. Free quotes, licensed US agents.