Get Travel Insurance in 1 Minute

Our travel insurance covers medical emergencies, trip cancellations, lost luggage, flight delays, and emergency evacuations. Coverage varies by tier—Basic covers essentials, Standard adds trip cancellation, and Comprehensive includes everything plus adventure sports and pre-existing conditions.

Instantly! Once you complete your quote and payment, your policy is active immediately. You'll receive your policy documents via email within minutes, and coverage begins on your selected start date.

Yes, we offer a 100% money-back guarantee within 14 days of purchase if your trip hasn't started yet. After your trip begins, refunds are prorated based on unused days. Claims already filed are not eligible for refunds.

Yes, all our tiers include COVID-19 coverage for medical treatment, trip cancellation due to positive tests, and quarantine expenses. This ensures you're protected against pandemic-related disruptions during your travels.

We provide worldwide coverage for over 190 countries. When getting your quote, simply select your destination country, and we'll confirm coverage availability and any country-specific terms or exclusions.

Absolutely! Our policies meet all embassy and consulate requirements for visa applications worldwide. Your policy document includes all necessary details like coverage amounts, dates, and provider information that embassies require.

We provide coverage for travelers aged 1 to 100 years old. Premium rates vary by age bracket, with travelers over 70 paying slightly higher premiums due to increased medical risk. Children under 18 traveling with family get discounted rates.

Adventure sports coverage depends on your tier. Our Comprehensive plan covers most adventure activities including skiing, scuba diving, bungee jumping, and zip-lining. Basic and Standard tiers exclude high-risk activities. Check your policy for the complete list.

Filing a claim is simple: log into your dashboard, click 'File Claim', upload supporting documents (receipts, medical reports, etc.), and submit. Most claims are processed within 5-7 business days, with direct deposit to your account.

Standard and Comprehensive tiers cover flight delays over 6 hours (meals, accommodation up to $200/day) and cancellations (rebooking costs, alternative transport). Basic tier doesn't include flight disruption coverage. Keep all receipts for reimbursement.

Pre-existing conditions are covered only on our Comprehensive tier. This includes chronic illnesses, ongoing treatments, and conditions diagnosed before your trip. Basic and Standard tiers exclude pre-existing conditions. You must declare all conditions during purchase.

Yes, you can extend your coverage before your current policy expires. Log into your dashboard, request an extension with new end date, and pay the additional premium. Extensions must be requested at least 48 hours before expiration.

Basic covers medical emergencies and lost luggage up to $50,000. Standard adds trip cancellation and higher limits up to $100,000. Comprehensive includes everything plus adventure sports, pre-existing conditions, and coverage up to $250,000.

Yes! Family plans cover you, your spouse, and dependent children under 18 at a discounted rate (typically 20% off individual rates). Group coverage for 5+ travelers gets additional discounts up to 25%. Contact our 24/7 support for custom group quotes.

Lost luggage coverage includes clothing, electronics, jewelry, and personal items. Limits vary by tier: Basic ($1,000), Standard ($2,500), Comprehensive ($5,000). High-value items over $500 must be declared at purchase. Keep receipts and proof of ownership for claims.

Yes, all tiers cover trip cancellation, interruption, and medical costs due to natural disasters (hurricanes, earthquakes, floods, volcanic eruptions). Coverage activates when official warnings or evacuations are issued. You must cancel within 48 hours of the warning.

Your policy document is emailed instantly after payment confirmation—usually within 2-5 minutes. Check your spam folder if you don't see it. You can also download it anytime from your dashboard. The document is PDF format, ready for printing or visa applications.

We cover emergency medical treatment, hospital stays, surgeries, ambulance services, prescriptions, and emergency dental work abroad. Basic covers up to $50K, Standard up to $100K, Comprehensive up to $250K. You pay upfront and claim reimbursement, or we pay directly in network hospitals.

Yes, you can add coverage for expensive items (cameras, laptops over $1,500), specific adventure sports not included in your tier, or rental car damage. These add-ons are available at checkout and increase your premium by 5-15% depending on coverage.

Call our 24/7 emergency hotline immediately. We'll direct you to the nearest network hospital, arrange cashless treatment if available, or guide you through payment and reimbursement. Our multilingual team assists in over 40 languages. Emergency evacuations are coordinated within hours.