Before you go
What each type of coverage actually pays for, when it is worth buying, and how to compare plans. PassportOffices is not an insurance broker — we don't sell policies and we earn nothing from the links on this page.
Reimburses prepaid, non-refundable costs when a covered reason — illness, injury, death in the family, jury duty, severe weather — stops you traveling or cuts a trip short.
Worth it whenever your prepaid deposits are more than you could absorb losing.
Pays for treatment abroad. Most U.S. health plans, including Medicare, cover little or nothing outside the country, and foreign hospitals often want payment up front.
Essential on any international trip. Look for at least $100,000 in coverage.
Covers an air ambulance or transport to adequate care, which can run $50,000–$250,000 out of pocket.
Critical for remote destinations, cruises, adventure travel and expedition trips.
Pays for delayed, lost or stolen bags and for meals and lodging when a covered delay strands you.
Nice to have. Check your credit card — many already include this.
An add-on that refunds 50–75% of prepaid costs when you cancel for a reason no standard policy covers. Usually must be purchased within 14–21 days of your first deposit.
Worth the premium when plans are genuinely uncertain and deposits are large.
Some policies reimburse the cost of replacing a lost or stolen passport abroad and assist with emergency travel documents.
Read the fine print — this is often a small sub-limit, not full coverage.
Answer four questions for a coverage shortlist and a realistic price range. Nothing is submitted or stored — this runs entirely in your browser.
Typical premium range for this trip
$124 – $223
Estimates only, based on typical U.S. market pricing of 4–10% of insured trip cost. Real quotes depend on the insurer, your state and your medical history.
Start with a marketplace so you can compare named policies, then read the certificate of coverage before you buy. These are outbound links to third-party sites we do not control.
| Provider | Focus | Best for | Site |
|---|---|---|---|
| Travel Insurance Master | Comparison marketplace | Comparing named plans side by side in one quote | Visit |
| Squaremouth | Comparison marketplace | Filtering by medical limit, CFAR and pre-existing-condition waivers | Visit |
| Allianz Travel | Single-trip and annual plans | Frequent travelers who want one annual policy | Visit |
| SafetyWing | Medical-first, subscription | Long stays, digital nomads and open-ended trips | Visit |
| World Nomads | Adventure and activity coverage | Hiking, diving, skiing and other sports many plans exclude | Visit |
| GeoBlue | International medical | High medical limits and direct-pay hospital networks | Visit |
It is not required to enter most countries, but a handful — including some Schengen visa applicants and a few island nations — do require proof of medical coverage. Practically, the reason to buy is that U.S. health plans and Medicare usually pay nothing abroad, and a medical evacuation can cost six figures.
Buy within 14 to 21 days of your first trip deposit. That window is when insurers offer pre-existing-condition waivers and Cancel For Any Reason upgrades. You can still buy later, but those options usually disappear.
No. If an airline denies boarding because your passport doesn't meet the destination's validity rule, that's a documentation failure, not a covered event. Check your expiration date against the destination rule before you book, and renew early if it's close.
Some plans reimburse replacement fees and provide concierge help, but only the nearest U.S. embassy or consulate can issue an emergency passport. Report the loss immediately and contact the post.
A comprehensive plan typically runs 4% to 10% of the insured trip cost, driven by traveler age, trip length and how much prepaid cost you insure. Medical-only plans are much cheaper because they exclude cancellation.
No policy covers a passport that doesn't meet your destination's validity rule. Check the rule, then renew early if your expiration date is anywhere near your travel dates.
PassportOffices.com is an independent resource, not an insurance broker, agent or government agency. Nothing here is insurance advice.