The coronavirus pandemic has brought the travel industry to a screeching halt. Still, even though nobody will be traveling for several weeks, there are some incredible travel deals to be had if you’re willing to travel later this year. (And after being pent up for so long, who won’t be???)
If you want to save big money for your travel plans this summer, now is a good time to pick your destination, search for the cheapest flights, choose the perfect accommodations, and plan your sightseeing itinerary. Of course, you’ll also want to find the best travel insurance plan for your trip.
Sure, it’s tempting to skip travel insurance and save that money for your adventures. Don’t do it! Spending a few extra bucks on travel insurance – especially right now – could save you thousands of dollars down the road.
Right now, I’d personally want to have a “cancel for any reason” rider on my policy. If you’re traveling internationally, it’s also important to consider the cost of emergency healthcare. Even in some of the cheapest vacation spots, getting sick or injured could mean thousands of dollars in medical bills. Travel insurance can protect you from taking a huge financial hit when things don’t go according to plan. We don’t travel without it and neither should you.
If you’re in the market for travelers insurance, there is no shortage of options. In fact, sifting through all of the different plans can be downright overwhelming.
Thankfully, we’ve done the hard work for you. In this piece, we’ve provided travel insurance reviews for our favorite companies on the market, complete with info on what’s covered, different policy options, and our thoughts on who should get it. Enjoy!
Table of Contents
- Travel Insurance Reviews: Our Top Picks
- Best Travel Insurance Companies: Individual Reviews
- Free Travel Insurance Options
- What Does Travel Insurance Include?
- Travel Insurance Reviews: Final Thoughts
Travel Insurance Reviews: Our Top Picks
Allianz Travel Insurance [Editor’s Choice] – If you’re a frequent traveler who needs a good annual travel insurance policy, Allianz Travel Insurance is our choice. In fact, we use it ourselves! With 3 different annual plans from which to choose, you’re sure to find a policy to fit your needs. They also offer single trip plans, medical only plans, and more. Full review | Get a quote
Travelex Insurance [Cancel for Any Reason/Families] – If you’re traveling with your family, Travelex Insurance is another great option. On their “Travel Select” plans, children under the age of 18 are covered free when traveling with a covered adult. In addition to primary coverage, you can also customize your plan by adding a “cancel for any reason” upgrade, additional emergency medical and dental coverage, adventure sports upgrades, and more. Full review | Get a quote
World Nomads [Adventure Travel] – World Nomads is our choice for the best travel insurance for adventure travel. Their travel medical insurance coverage is hard to beat, especially if you enjoy adventure travel. They also offer solid trip cancellation/interruption coverage and medical coverage for individual trips. In our opinion, it’s hard to go wrong with World Nomads. Full review | Get a quote
Best Travel Insurance Companies: Individual Reviews
Ready to find the best travel insurance company for your trip? Below, you’ll find travel insurance reviews for our favorite companies on the market!
1. Travelex Insurance
If you want the option to “cancel for any reason” or are traveling with children under the age of 18, Travelex is one of your best travel insurance options.
Travelex offers two types of plans: Travel Basic and Travel Select. Although the Basic plan is generally cheaper for single travelers, the Travel Select plan covers children under 18 for free when they travel with a covered adult. This could represent a huge savings for you, especially if you have multiple children.
The Travel Select plan also offers the “Cancel for Any Reason” upgrade. Honestly, if you’re planning a trip in the current coronavirus environment, this is really a must. We don’t know what is going to happen over the next few weeks and months, and most travel insurance plans do not cover losses due to “known events” or pandemics. A “cancel for any reason” rider would allow you to cover your losses, just in case.
When it come to trip insurance, both the Basic and Travel Select plans include trip cancellation, interruption, and delay. They also include coverage for a missed connection, baggage delay, and loss of baggage and personal effects.
In terms of coverage amounts, the Travel Select plans offer more coverage which is why they are typically more expensive. With that said, since children under 18 are covered free when traveling with a covered adult, families may actually find the Travel Select plans to be cheaper than Basic plans.
In terms of medical insurance, both the Basic and Travel Select plans offer emergency medical and dental expense coverage, emergency medical evacuation/repatriation, and accidental death and dismemberment coverage. There’s a pretty big difference in coverage between the two plans: $15,000 for medical and dental expenses with the Travel Basic Plan compared with $50,000 with the Travel Select Plan.
2. Allianz Travel Insurance
Allianz Travel Insurance offers a range of travel insurance products, including single trip insurance plans, annual plans, rental car only plans, and more. Personally, we think their annual plans are where Allianz really shines. In fact, we use them ourselves!
We’ve got the AllTrips Premier plan, which includes:
- Emergency medical and dental
- Emergency transportation
- Trip cancellation and interruption
- Baggage loss/damage
- Rental car damage & theft coverage
- …and more
This plan comes with $2,000 per insured in trip cancellation/interruption insurance, $50,000 per insured in emergency medical coverage, and $500,000 per insured in emergency medical transportation. These limits are also per trip, not per year! So, if you travel multiple times a year, we think you get a great value for your money.
With that said, if you only need insurance coverage for a single trip, Allianz can help you there too. Again, there are 3 different plans to choose from:
- OneTrip Basic
- OneTrip Prime
- OneTrip Premier
All of these cover emergency medical/dental, emergency transportation, trip cancellation/interruption, baggage loss/damage, & more. The primary difference between the plans is the amount of coverage offered in each category.
For example, a 40-year-old from Indiana who is traveling to Thailand for three weeks in January 2020 ($5,000 total trip cost) would be covered for $10,000 in emergency medical under the OneTrip Basic Plan (cost: $190). OneTrip Prime would cover $25,000 (cost: $233), and OneTrip Premier covers $50,000 (cost: $272).
According to Allianz, OneTrip Prime is their most popular plan. From my point of view, the trip insurance is great, but the emergency medical coverage is a little low. I’d go for the OneTrip Premier for the extra coverage. After all, you never know!
3. World Nomads
In our opinion, World Nomads travel insurance is easily the best travel insurance option for the adventure traveler. It’s also an excellent choice if need insurance for a single trip. I’ll explain what I mean, but first, let’s talk about the basics.
The best travel insurance companies always offer a wide range of protection, and World Nomads fits the bill. Here’s what they offer:
- Emergency medical and dental expenses
- Emergency medical transportation
- Emergency evacuation (medical and non-medical) and repatriation
- Trip cancellation, interruption, and delay
- 24-hour multilingual assistance
- Baggage protection
Like many travel insurance providers, World Nomads offers more than one plan. In this case, they are called the Standard and Explorer Plans. Each plan offers the same categories of coverage with the exception that the Explorer Plan includes a collision damage waiver.
Where they differ is in the amount of coverage offered in each category. Both plans provide the same coverage for emergency medical treatment ($100,000), but the Explorer Plan provides additional coverage for emergency transportation, trip insurance (cancellation, interruption, and delay), baggage and personal effects, and accidental death and dismemberment.
Insurance for the Adventurer
When I said World Nomads is the best travel insurance for the adventurer, I was referring to the fact that they explicitly cover medical treatment required as the result of participation in a list of adventure sports and activities.
The list of covered sports and activities depends on your country of residence. For U.S. residents, the list is more than 100 activities long. Your coverage also depends on your plan. As you might expect, the Explorer Plan covers more adventure activities than the Standard Plan.
Not sure what I mean by adventure sports and activities? Well, here’s a little sample of what’s covered:
- Bungee jumping
- Cliff jumping (Explorer only)
- Hang gliding (Explorer only)
- Jet skiing
- Mountaineering (Explorer only)
- Outdoor rock climbing (Explorer only)
- Sea kayaking
- Skydiving (Explorer only)
See the full list here.
As you can see, if you wanna do the really adventurous stuff (like rock climbing and skydiving), you better go with the Explorer Plan. The good news is that the Explorer Plan only costs a little bit extra, so you might as well get the additional coverage you need.
Here’s an example: A 40-year-old from Indiana traveling to Thailand for three weeks in January 2020 would pay $89.59 for the Standard Plan and $166.72 for the Explorer Plan. These prices are for comprehensive plans that include $100,000 in medical coverage plus trip insurance and adventure activities. That’s a pretty affordable way to protect your travel investment, and it’s why World Nomads earns our top pick for the best international travel insurance plans.
4. Safety Wing
Designed with digital nomads and long-term travelers in mind, SafetyWing offers extendable international travel medical insurance for an affordable price.
Unlike most providers on this list, SafetyWing has exactly one travel insurance plan. Its maximum limit is $250,000 and the deductible is $250. There are no customization options.
This what-you-see-is-what-you-get plan covers:
- Emergency medical and dental
- Emergency medical evacuation
- Repatriation of remains
- Accidental death and dismemberment
- Trip interruption
- Travel delay
- Loss of checked luggage
- …and more
Coverage is available for a minimum of 5 up to a maximum of 364 days and can be purchased upfront or in renewable four-week increments – subscription style. If you’re taking an open-ended trip, you might prefer the ease of buying coverage for four weeks at a time and extending as you go.
And just how much will this plan set you back? That depends on your age and whether you’ll be traveling to the U.S. Listed below are prices for four weeks of coverage excluding travel to the U.S. (if you live in the U.S., this applies to you):
- 10 to 39 years: $36.96
- 40 to 49 years: $59.92
- 50 to 59 years: $94.08
- 60 to 69: $127.68
SafetyWing is a great deal for families with young children because kids under 10 (but older than 14 days) are insured for free. It’s 1 child per adult, so a couple can get free coverage for 2 kids under 10. If there are more children, they pay the 10 to 39-year-old rate.
SafetyWing is a great option for long-term travelers and its free coverage for kids under 10 makes it especially affordable for families. The only thing it lacks is trip cancellation insurance, which can be a big deal to a lot of travelers, so make sure you consider your needs before you buy.
5. Atlas Travel Insurance
With Atlas Travel Insurance by Tokio Marine HCC, you can create a custom plan to fit your needs for travel medical insurance. There are two plans: Atlas Travel and Atlas Premium. They cover the same things, but Atlas Premium offers higher coverage amounts for many of the categories.
With Atlas Travel, travelers under 70 can choose maximum coverage limits ranging from $50,000 up to $2,000,000 with a deductible from $0 to $5,000.
Seniors aged 70-79 have good options and can choose maximum coverage of $50,000, $100,000, or 150,000. Seniors over 80, though, have minimal coverage at only $10,000. The maximum coverage amounts are the same with Atlas Premium, except seniors aged 80 and over get $20,000.
The plans cover emergency medical treatment and the expenses related to it (ambulance, hospital stay, etc.). Emergency medical evacuation is covered for up to $1,000,000 and is not subject to the deductible or the plan maximum limit. You also get coverage for accidental death and dismemberment, personal liability, repatriation of remains, and more.
Atlas Travel and Atlas Premium provide coverage for travel delay, loss of baggage, and trip interruption but not for trip cancellation. These are primarily medical plans for people who want flexible options in terms of coverage maximums and deductible. If you’re looking for robust trip insurance, you should consider a separate trip cancellation policy (which Atlas also sells).
6. AXA Travel Insurance
AXA Travel Insurance is a comprehensive travel insurance solution offering four different levels of coverage. As you might expect, each type of coverage includes different levels of protection.
With that said, the following items are included in all AXA Travel Insurance plans with varying levels of coverage depending on the plan you pick:
- Trip protection
- Accident and illness benefits
- Accidental death and dismemberment (AD&D)
- Emergency medical evacuation coverage
- Baggage delay and property protection
- Round the clock World Wide Assistance via phone
- Concierge services
- Identity theft services
Travel Insurance Plans Overview
The Silver, Gold, and Platinum plans are suitable for the regular traveler who just wants protection. They are equivalent (relatively) to what you would find with other comprehensive plans.
AXA also offers an “Adventure Product” geared toward those travelers who enjoy a bit more excitement with their travel. With that said, the plan is less robust than some competitor products who also offer travel insurance for adventure sports.
Overall, AXA Travel Insurance offers a good product for the occasional traveler – particularly their Gold Plan. As with any insurance product, be sure to know exactly what each plan covers before making a purchase. Learn more by reading our AXA Travel Insurance review or get a quote by clicking below.
VisitorsCoverage connects travelers with the best travel insurance for their needs, but they don’t actually provide the plans. Rather, they sell them on behalf of other issuers. Their focus is travel insurance for people visiting the U.S. (visitors insurance), although they also sell international travel plans for U.S. residents.
By answering a few questions on their website, VisitorsCoverage will recommend the best travel insurance policies for your needs. You can then choose the one that works best for your plans and your budget and purchase it directly from their site.
8. Insure My Trip
Insure My Trip is another service that recommends and sells the best travel insurance plans without issuing their own policies. They partner with 21 insurance providers to offer their customers a wide range of choices while maintaining high-quality standards.
Insure My Trip offers a best-price guarantee, so you won’t save any money by buying directly from the provider. The result is a site that lets you compare your options in one place and choose the best travel insurance for your needs. And in the unfortunate event that you need to make a claim, you work with the Insure My Trip team to get it done.
Insure My Trip is an excellent place for seniors to buy insurance. Seniors face challenges when purchasing travel insurance because many plans offer inadequate coverage or have unending restrictions.
When getting an online quote, travelers answer a few quick questions, including their age. Insure My Trip then presents the best plans based on the info provided. Seniors can quickly see the policies that will cover them, the price, and thousands of travel insurance reviews. There’s also a function to compare plans, so travelers (of any age) can quickly analyze coverage and choose the best travel insurance for their unique needs.
9. Seven Corners Travel Insurance
Seven Corners offers travel medical insurance underwritten by Liaison Travel as well as separate trip insurance plans.
When it comes to customization, Seven Corners offers some of the best travel medical insurance. They have three medical plans:
- Liaison Economy
- Liaison Choice
- Liaison Elite
All three plans can be purchased for durations of 5 to 364 days, and you can renew Liaison Elite for up to three years. You can opt for coverage including or excluding the United States.
For all three plans, you can customize your coverage in terms of medical maximums and deductible. For up to age 69, you can choose the following medical maximums for worldwide coverage including the U.S.: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000. Ages 70-79 get $50,000 and ages 80+ only get $15,000 with Liaison Economy and Liaison Choice. Liaison Elite holders get $20,000 in coverage when aged 80+. Deductibles range from $0 to $5,000.
All three plans cover medical treatment, dental, emergency services and assistance, accidental death and dismemberment, and trip delay/interruption (including loss of checked bags). Coverage for hazardous sports is optional at an additional cost. Even though the plans all cover the same categories, the level of coverage differs. As you can guess, the more expensive plans offer more coverage.
Trip Insurance Plans
Seven Corners also offers three trip insurance plans. These plans provide medical coverage as well but are much less customizable. The three plans are called:
- RoundTrip Economy
- RoundTrip Choice
- RoundTrip Elite
They all cover trip cancellation, trip interruption, trip delay, missed cruise/tour connection, and change fee. For medical, they cover emergency medical accident and sickness medical expense, emergency dental, and emergency medical evacuation/repatriation. With these plans, you’ll also enjoy baggage and personal belongings protection and accidental death and dismemberment coverage.
Like the Liaison Travel plans that focus on medical coverage, these trip insurance plans vary in price and level of coverage. So, if you want maximum protection you’ll pay more for that peace of mind with the Roundtrip Elite Plan. Beware of the Roundtrip Economy Plan unless you have alternate medical coverage – it only gives you $10,000 for medical treatment. The other two plans offer adequate coverage, though. Also, take note that these plans may not be available in all states.
Note that trip insurance pricing depends on the cost of the trip since the cancellation and interruption coverage reimburses 100% (or in some cases, 150%) of total trip costs if you file a claim. For this reason, the trip insurance plans are more expensive than the medical plans.
American Express (or AMEX) allows travelers to build their own travel insurance plans or choose one of their four packages.
The four packages are named Basic, Silver, Gold, and Platinum. As you might expect, they ascend in price and coverage. They’re comprehensive plans that offer both trip insurance and medical coverage.
The Basic Plan is very basic. The trip cancellation and interruption is only $1,000 with global medical protection only up to $5,000. This might be fine for very inexpensive trips to areas where the cost of health care isn’t terrifying, but for most, this is inadequate.
Regarding the other plans, the trip insurance benefits are good (interruption, cancellation, delay, and lost baggage), but the medical coverage can still be low, so consider this when making your decisions.
With that in mind, AMEX offers travelers insurance that’s ideal for people looking to protect their trip and maybe add on existing medical insurance.
Like many of the best travel insurance companies, IMG offers multiple plans to fit every traveler’s needs and budget.
The three comprehensive plans are called:
- iTravelInsured Travel Lite Insurance
- iTravelInsured Travel SE Insurance
- iTravelInsured Travel LX Insurance
These are described as travel insurance, rather than travel medical insurance. The Travel Lite offers basic coverage for the budget-minded traveler, while the other two plans offer increased coverage for higher price tags.
Even though it’s the base model, the iTravelInsured Travel Lite Insurance offers pretty impressive coverage. Not only does the trip insurance cover up to $25,000 for cancellation and 125% of the trip’s cost for interruption, but this budget plan also covers $100,000 in accident and sickness medical expenses. That’s a lot more than most first-tier comprehensive plans.
Travel Medical Insurance
IMG also offers customizable travel medical insurance. So, instead of comprehensive plans that focus on trip insurance and provide a set amount of coverage for medical expenses, these plans focus on medical coverage and allow travelers to choose the coverage and deductible they’re comfortable with.
IMG’s most popular plan is called Patriot Travel Medical Insurance. This plan allows travelers to choose coverage limits ranging from $50,000 to $1,000,000, with deductibles from $0 to $2,500.
12. All Clear Travel Insurance
AllClear Travel Insurance, based in the U.K., specializes in covering pre-existing medical conditions. While there may be a few exceptions, AllClear covers more than 1,300 conditions. If that isn’t enough, it covers travelers of any age, heading to almost any destination. This makes AllClear one of the most flexible travel insurance options out there.
AllClear is primarily a travel medical insurance provider, although its policies also include other benefits, such as trip protection. Coverage includes:
- Emergency medical expenses up to £15,000,000
- Trip cancellation and curtailment up to £5,000
- Baggage and personal items up to £3,000
- And much more
Travelers can choose a single-trip or annual multi-trip policy, depending on their needs. The annual multi-trip plan is usually the better deal for people taking a least three trips a year within the same region. (Don’t worry, “region” is super-broad.)
Whether you opt for single- or multi-trip coverage, there are three main plans to choose from:
- AllClear Gold
- AllClear Gold Plus
- AllClear Platinum
AllClear Gold is the entry-level plan, while AllClear Gold Plus steps it up a notch with higher levels of coverage. AllClear Platinum is similar to Gold Plus but adds cruise protection. Not surprisingly, the Platinum plan carries the highest premium.
AllClear is one of the few travel insurance solutions for people with pre-existing medical conditions. Because there is no upper age limit, even seniors with pre-existing conditions can secure coverage — for a price, of course.
Free Travel Insurance Options
Did you know there are actually some free options available for travel insurance? It’s true!
Several of the best travel credit cards offer various types of travel insurance to card members. Keep in mind, these offers typically work best as a supplement to a more robust travel insurance policy. You’ll also need to book your trip using your card (or points from the card ) to be eligible, and medical coverage is not usually included.
With that said, if you are new to travel rewards cards, the Chase Sapphire Preferred Card is our favorite option. Here’s a list of some of the travel perks it provides:
- Trip Cancellation/Trip Interruption Insurance (Up to $10,000)
- Primary Auto Rental Collision Coverage
- Baggage Delay Insurance (Up to $100/day – 5 day max)
- Trip Delay Reimbursement
- Roadside Dispatch
- Lost Luggage Reimbursement
- Accidental Death/Dismemberment (Up to $500,000)
- No Foreign Transaction Fees
Pretty sweet, right?
We’ve personally used this insurance several times. In fact, we use the card every time we rent a car so we don’t have to purchase the rental company’s insurance. A few years ago, we also filed a trip delay reimbursement claim. The process was smooth and they paid the claim exactly as expected.
In addition to travel insurance, there are lots of other awesome Chase Sapphire Preferred benefits you should be aware of. Currently, new U.S. card members can earn a 60,000 point signup bonus when the spend $4,000 on the card in the first three months. That’s worth a whopping $750 in travel when booked through the Chase portal! You can also transfer your points to over a dozen transfer partners (like Marriott, Hyatt, IHG, Southwest Airlines, United, and more) to stretch them even further.
The card also earns 2 points per dollar spent on travel and restaurants. You’ll earn 1 point per dollar on all other spending. The card does carry a $95 annual fee, but we think the benefits far outweigh the cost.
What Does Travel Insurance Include?
Travel insurance protects you from financial loss related to unexpected events that occur before or during a trip. Different policies cover different events, but there are two broad categories to consider: medical coverage and trip insurance. If you want the best international travel insurance, you should make sure you have both.
When traveling internationally, medical coverage is a must. The cost of health care in some countries is astronomical. Remember, even if you have a health insurance policy or belong to a healthcare sharing ministry in your home country, medical costs may not be covered in another.
Most medical travel insurance policies include coverage for emergency medical treatment (sometimes including dental), medical transportation, emergency medical evacuation, accidental death or dismemberment (AD&D) coverage, and repatriation to your home country in the event of your death.
It’s important to note that many policies don’t cover pre-existing conditions. Others may only cover the acute onset of a problem related to a pre-existing condition. Be sure to read the fine print carefully and make sure you understand what their definition of pre-existing is!
When considering the amount of medical coverage you need, you should do some research on the cost of healthcare in the country you’re visiting. In most cases, I suggest having at least $50,000 in coverage for emergency medical.
Trip insurance protects the financial investment you’ve made in your trip, including coverages for trip cancellation and trip interruption.
In the event that you need to cancel your travel plans for a covered reason before departure, trip cancellation typically covers any non-refundable deposits you may have made for your trip. This usually includes things like airline tickets, hotel stays, and more.
Trip interruption covers the costs associated with having to suddenly return home during a trip. Usually, only specific reasons are covered, such as a close family member falling seriously ill.
Most travel insurance policies also cover costly inconveniences that can be part of the travel experience, like losing your luggage or other personal effects. (It might not sound like a big deal, but if an airline has ever lost your luggage, you know how annoying and expensive it can be.) Many policies provide a stipend so you can buy new clothes, luggage and other items once you reach your destination.
Travel Insurance Reviews: Final Thoughts
There’s a lot to consider when choosing a trip insurance policy. Whether you’re looking for cruise insurance, international medical coverage, or simple trip insurance, we hope this list of travel insurance reviews has been helpful.
Remember, don’t cheap out on travel insurance. The best travel insurance companies protect both your travel investment and your health.
Thanks for reading and happy traveling!
Is travel insurance worth it?
In most cases, travel insurance is used to protect the money you’ve invested into your trip. Therefore, purchasing a travel insurance plan may not be worth it in every situation.
For example, if you booked an international trip and shelled out thousands of dollars in non-refundable costs, travel insurance is probably a good idea. You should also be sure your policy covers international medical emergencies.
On the other hand, if you are traveling domestically and only expect a few hundred dollars in non-refundable costs, buying a travel insurance policy may be unnecessary.
What does travel insurance cover?
The term “travel insurance” is a broad title which applies to several types of insurance coverage options for travelers. These insurance policies are meant to protect any unforeseen monetary losses you may experience prior to or during your travels.
At a minimum, most – but not all – travel insurance policies include trip cancellation and trip interruption insurance. These policies typically cover any non-refundable losses you may experience should you be forced to cancel your trip (or interrupt your trip) due to a covered reason.
Other types of travelers insurance may include more specific types of coverage. For instance, some policies only include international medical insurance for emergencies. Primary auto rental coverage is another option.
While specific types of coverages can be purchased separately, many travel insurance policies combine multiple types of coverage into one larger product.
Which is the best travel insurance company?
Travel insurance is not a “one size fits all” product. Because travel insurance policies vary between providers, the best travel insurance company is the one who offers a policy that meets your specific needs.
When shopping for the a travel insurance policy, consider which types of coverage you may need. Most travelers will benefit from trip cancellation and interruption coverage, but not everybody needs coverage for extreme sports. Frequent travelers may want to consider an annual plan while others may need coverage for a single trip.
It’s important to compare multiple plans before you buy. Pay special attention to what each plan covers, coverage limits, and any deductibles you may need to meet before your travel coverage kicks in.
Do credit cards have travel insurance?
Some travel rewards credit cards provide limited travel insurance coverage. This may include trip cancellation/interruption insurance, lost baggage coverage, primary auto rental insurance, and more.
In many cases, the travel coverage offered by your credit card will have smaller limits than those offered by a traditional travel insurance policy. Keep in mind, to be eligible for coverage, you must use your card to pay for the trip.
Can I buy travel insurance for multiple trips?
If you are a frequent traveler, some travel insurance companies offer multi-trip or annual plans. These plans are often more affordable than purchasing individual plans for each trip. Family plans may also be available.