If booking a flight lately feels more expensive and more confusing, that’s because it is.

Airfare prices are rising again, driven largely by higher jet fuel costs tied to geopolitical tensions, including the war in Iran. At the same time, airlines are leaning more heavily on dynamic pricing systems that adjust fares in real time based on demand, competition and even browsing behavior.

As a result, there are fewer predictable "sweet spots" for booking and more sudden price swings that can leave travelers second guessing whether to buy now or wait.

If you're planning summer or fall trips, the key question isn't just where to go. You'll also want to get strategic about when to book and how to avoid overpaying. Here are some tips to help.

How much more travelers are paying for flights

Airfare hasn't increased evenly across the board, but the trend is clear: Prices are trending higher, especially for peak travel periods and international routes.

Jet fuel prices surged from about $85 to $90 per barrel to as high as $150 to $200 per barrel in recent weeks, creating significant financial pressure across the airline industry, according to Reuters.

Domestic fares have seen moderate increases in many markets, while international flights, particularly long-haul routes, are seeing sharper spikes due to higher fuel consumption and constrained capacity. Flights to Europe and parts of Asia have been especially volatile, with prices fluctuating week to week.

Some routes are being hit harder than others. Flights from major hub cities might remain relatively competitive due to airline competition, while smaller regional airports often see steeper increases due to limited flight options and reduced seat inventory.

Another factor is that airlines have become more strategic about limiting discounted seats. That means travelers are less likely to stumble on the ultra-low fares that were more common even a year or two ago.

Why airfare prices are increasing

Several forces are converging to push ticket prices higher and keep them unpredictable.

Rising fuel costs are feeding directly into fares

Jet fuel is one of the largest operating expenses for airlines, often accounting for 20% to 30% of total costs. When oil prices climb, especially amid geopolitical tensions involving Iran and other key energy-producing regions, airlines typically pass at least some of those costs on to consumers.

What makes this cycle different is the speed. Fuel prices have been fluctuating quickly, and airlines are responding faster than they used to, adjusting fares in near real time rather than waiting weeks or months.

Dynamic pricing

Airlines have long used demand-based pricing, but newer algorithms are far more aggressive and responsive. Prices can now shift multiple times per day based on booking patterns, seat availability, competitor pricing, even seasonal demand signals.

This means travelers are less likely to see stable pricing trends. A flight that looks reasonably priced in the morning could jump significantly by evening if demand ticks up.

Strong demand (despite higher prices)

Even with inflation affecting household budgets, travel demand hasn't slowed as much as expected. Many people are still prioritizing vacations, experiences and visiting family, particularly during peak seasons such as summer and holidays. This sustained demand gives airlines less incentive to discount fares, especially when flights are already filling up.

Tighter seat inventory

Airlines are still operating with tighter capacity in some markets compared with prepandemic levels. That includes fewer routes, reduced flight frequency and, in some cases, staffing or aircraft limitations. Fewer available seats naturally push prices higher, particularly on popular routes or during high-demand windows.

Airlines are managing inventory more strategically

Another subtle shift is that airlines are holding back the lowest fare classes for a shorter period or releasing fewer discounted seats altogether. In other words, the "cheap seats" sell out faster, leaving more travelers choosing from higher-priced options.

7 best ways to save money on airfare right now

Even in a rising price environment, there are still ways to keep costs under control, but it requires a more proactive and flexible approach than in the past. Here are some things smart travelers are doing in an attempt to cut costs.

1. Book earlier, but still monitor prices

The traditional advice to book flights six to eight weeks in advance doesn't always hold up in today's market. For many routes, especially international trips, booking several months ahead can help you avoid last-minute price spikes tied to demand and fuel costs.

That said, it's still worth tracking prices after you book. Some airlines now offer fare credits if prices drop, and third-party tools can alert you to potential rebooking opportunities.

2. Be flexible with timing (even by a day or two)

Small adjustments to your itinerary can lead to meaningful savings. Flying midweek, particularly Tuesday or Wednesday, is often cheaper than weekend travel. Early morning or late-night flights can also come with lower fares.

If your schedule allows, shifting your trip by even one day in either direction can sometimes reduce costs significantly.

3. Use fare alerts and price-tracking tools consistently

Platforms such as Google Flights, Hopper and Skyscanner allow you to monitor routes and receive notifications when prices change. These tools are especially useful in an unpredictable market for travel, since it helps you spot dips rather than guessing when to book.

4. Check multiple airports and routing options

Flying out of or into a nearby airport can sometimes lead to lower fares. For example, choosing a secondary airport within driving distance might open cheaper routes or better airline competition.

Consider flights with layovers instead of nonstop service; it can reduce costs, particularly on long-haul trips.

5. Leverage points, miles and credit card perks

With cash prices rising, travel rewards can stretch further. If you've accumulated points through a travel credit card or loyalty program, this might be an ideal time to redeem them, especially for expensive routes where cash fares are inflated.

Some cards also offer travel credits, companion fares or built-in trip protections that can offset overall costs.

6. Watch for bundled fees and compare total cost

Base fares don't always tell the full story. Budget airlines may appear cheaper upfront but charge for carry-on bags, seat selection and other add-ons. Before booking, compare the total cost across airlines, including fees, to avoid surprises.

7. Consider shoulder seasons and off-peak travel

If your plans are flexible, traveling just before or after peak season can deliver better value. Early fall and late spring often offer a balance of good weather and lower demand, which can translate into lower airfare.

Should travelers book now or wait?

This is where many travelers are getting stuck, and there's no one-size-fits-all answer. If fuel prices continue rising or geopolitical tensions escalate, airfare could increase further. In that case, waiting could mean paying more later.

On the other hand, prices can still fluctuate, and occasional dips do happen.

As a general guideline, for:

• Domestic flights. Aim to book one to three months in advance
• International flights. Aim for two to six months ahead

If you find a fare that fits your budget and travel plans, it might be worth locking it in, especially if the airline offers free changes or credits.

A good rule of thumb is that if a fare is within your historical expectations (or slightly above), it’s often safer to book than gamble on future drops.

Are budget airlines still the cheapest option?

Budget airlines can still offer lower base fares, but the gap isn't always as wide as it seems. Many discount carriers charge additional fees for carry-on bags, seat selection and even printing boarding passes. Once those costs are added in, the total price can rival or even exceed traditional airlines.

Some budget airlines have reduced routes or frequency as well, which limits availability and flexibility. That said, they can still be a good option for short trips or travelers who can pack light and avoid add-ons.

How travelers can stay ahead of rising airfare prices

Airfare pricing is likely to remain unpredictable in the near term. Between fuel costs, global uncertainty and evolving airline strategies, travelers should expect continued fluctuating prices and options.

The good news is that you don't need perfect timing to save money. If you plan ahead, stay flexible and use the right tools, you can still find reasonable fares even in a rising market. Because in today’s environment, waiting for the "perfect deal" might be the most expensive move of all.

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Retirement opens the door to new and exciting adventures — and nothing says “welcome to the good life” like crossing borders.

But planning your first overseas journey can seem intimidating. From logistics and setting a budget to choosing an itinerary that matches your interests, traveling at this stage of life has its own set of considerations and challenges, as well as enriching experiences.

The chance for life-changing adventures abroad likely led 70% of adults 50-plus to plan trips in 2025, up from 65% in 2024, according to The AARP 2025 Travel Trends survey. AARP also discovered greater enthusiasm for international travel, with 44% of planners eyeing a trip outside the United States.

When it comes to mapping out the details of your trip, consider health and accessibility needs, all necessary documents, destinations, budget concerns, packing and more to keep things stress-free. Then, follow these steps to ensure your trip is not only memorable, but tailored to your needs as a globe-trotting retiree.

Set a realistic budget

International travel can be affordable, but it can also cost a small fortune. Careful planning and taking advantage of deals can help ensure costs stay within your budget.

Book early and use sites like Skyscanner or Google Flights to find the best deals on flights, and consider booking early or in the off-season for the best deals. Consider out-of-the-way hotels, an Airbnb, or senior-friendly resorts. Look for discounts through AARP or senior travel groups.

If your budget is tight, consider a hostel. You’ll likely share a bathroom and shower, but the price is significantly less than at a hotel.

Don’t forget to research costs for meals, transportation and activities. For example, a dinner out in Paris might cost $50 to $100 per person, depending on where you go. In Bangkok, it might cost $10 to $25 per person.

Save up and set aside a contingency fund of about 10% to 15% of your budget for unexpected costs. And one often overlooked essential is trip insurance, which typically covers medical emergencies, trip cancellations and preexisting conditions.

Destination matters: think it through before you book

Start by picking a destination that matches your interests, budget and comfort level. Do you like history, nature and discovering new cultures? Italy and Greece offer ancient ruins, Spain and New Zealand flaunt stunning landscapes, Malta and Fiji are known for lush beaches, while France and Japan have world-class big cities and beautiful smaller towns alike.

Since this is your first trip abroad, you may want to plan a shorter trip to test the waters, then opt for a more extended trip when you feel more comfortable.

Check weather patterns to avoid extreme heat or monsoon seasons. Look for destinations with senior-friendly infrastructure, such as walkable cities or accessible public transport. And, balance the best results for the money spent. For example, Southeast Asia is often affordable, while Western Europe can be pricier.

Plan your dream itinerary — make every day count

Create a flexible itinerary that balances adventure with rest and relaxation. Pace yourself and avoid over-complicating your schedule. Plan one to two major activities per day, like a visit to a museum in the morning and an afternoon café stop.

If you prefer to reach your destination via the ocean, cruises can be ideal for retirees, offering all-inclusive experiences with accessible ports. For example, a Mediterranean cruise might visit ports such as Athens, Barcelona and Rome, and take minimal planning on your part.

Prefer to travel or experience a new place in a group? Book a guided tour or join a small group for cultural immersion, like an Italian cooking class in Tuscany or a tour of the beautiful Tenryu-ji Temple in Kyoto.

When the day is done, schedule downtime to recharge, especially during long trips. Use apps like TripIt to organize your plans and keep documents organized.

Make lodging your top priority

Prioritize comfort and convenience when booking accommodations. Hotels with elevators or accessibility aids can make life easier and safer. Choosing a vacation rental property can be a great option as a home away from home, but be sure to double-check listings for related costs and details.

If you’re eyeing a group tour, which is popular with retirees for the social interaction, companies like Road Scholar or Overseas Adventure Travel design trips with retirees in mind, mixing a relaxing pace with popular cultural stops. Their all-in-one packages typically cover all meals, guides and transportation, so you’re not sweating the small stuff.

Sweat the small stuff — logistics matter

First, check your passport. To travel abroad, you typically need a valid passport, which must be issued at least six months before you arrive in some countries. If it’s expired or nearing the expiration date, renew it now to avoid last-minute problems.

Next, research visa requirements for your destination. Some places, such as the Schengen Area in Europe, allow U.S. citizens to stay up to 90 days visa-free, but others, like India or Vietnam, may require you to apply for a visa weeks in advance. Websites like travel.state.gov are a goldmine for this information.

Don't overpack, focusing on comfortable clothing and shoes and include essentials like medications. Arrange a local SIM card or international phone plan from your cell phone provider for emergencies and navigation.

Choose your flight options early

Flights can be pricey if you don’t plan right. Look for airlines, like Delta and United, that offer senior-friendly perks, like flexible seating or early boarding. Tools like Google Flights or Kayak can help you get deals on mid-week flights that can often be cheaper. If mobility’s an issue, request airport assistance when booking, as most airports provide wheelchairs, airport buggies or have personnel on hand to assist you at no cost.

Book your travel through a reputable agent and check cancellation policies. Consider senior discounts and off-season deals. It’s also advisable to keep digital copies of your passport, insurance and itinerary in your carry-on bag— just in case.

Safety tips to keep In mind while exploring new places

Exploring new places around the globe can be one of the greatest joys of retirement. But global adventure should come with a healthy dose of caution.

Start by checking your destination's current travel advisory from a reliable source, such as the U.S. State Department, before booking. Enroll in the Smart Traveler Enrollment Program (STEP) for current alerts from local U.S. embassies. And, don't forget to share your detailed itinerary with a family member or friend back home.

Once you're on the ground, be mindful of your surroundings and don't show off your money or valuables. Pick-pocketing spikes in crowded tourist spots. Consider using a hotel safe to store your passports, extra cash and jewelry, and carry only the cash or credit cards you need for the day. Avoid public Wi-Fi for banking and buying, and consider a portable VPN for added protection.

Trust your instincts. If something feels off, walk away. Then, don't hesitate to ask hotel staff or locals for advice on safe tourist areas.

Protect your health while traveling abroad 

Staying healthy on an international adventure is key to enjoying the trip without needless stress. Start with a doctor's checkup before leaving to review medications and get any needed boosters or vaccinations. Visit the CDC's Travelers' Health site for up-to-date recommendations on vaccines for high-risk areas and tips on food and water safety. Pack extras of all your prescriptions in the original bottles with a copy of your prescription.

Don't overlook travel insurance. Most U.S. plans, including Medicare, offer little to no coverage when traveling overseas, and medical emergencies can add up fast. Invest in travel health insurance tailored for seniors. Top providers like IMG, Allianz or GeoBlue are good places to start. Look for plans that cover pre-existing conditions (if applicable), and buy a plan early for the best options.

Pack light and perfect the prep

Finally, pack light and smart. A carry-on with wheels can be your best friend at the end of a long day. Download apps like Google Translate to help with a foreign language or use XE Currency to quickly convert your money.

You can expect international trips to range from around $2,000 to $10,000 for 7 to 14 days, depending on your destination, trip details and preferences, according to The Motley Fool's 2025 vacation cost analysis.

Cruises or guided tours can cost even more. Check out deals on sites like Travelzoo, and consider traveling off-season for better prices and fewer crowds. After all, you’re retired with a flexible schedule. Oh, and toss in a power adapter for international outlets and for all your tablets, computers and phones.

Have fun and relax

Your first international trip after retirement is a chance to explore, relax and create lasting memories. Start small if you’re nervous and expand to more sizable destinations as you become comfortable. When you land, engage with the locals, savor new cuisines and take photos to capture the moments. With careful planning, your one-of-a-kind journey can be rewarding and totally worth all the planning.

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Weather is always a concern when you’re planning summer travel; a single storm can ruin a beach day and disrupt your itinerary. But during the 2025 hurricane season, preparation is more important than ever.

We’ve already seen the first named storm, Hurricane Erin, and forecasters are tracking additional systems developing right behind it.

The National Oceanic and Atmospheric Administration (NOAA) is predicting an above-normal season, with more storms expected to form and intensify. That means flexibility, insurance and timing could make a big difference in how smoothly your trip goes.

What NOAA’s 2025 hurricane forecast means

According to NOAA, the 2025 Atlantic hurricane season lasts from June 1 to November 30, and NOAA warns that conditions are ripe for an above-normal level of activity. In its latest forecast, the agency gives a 60% chance that this year’s season will exceed typical storm levels.

NOAA expects 13 to 19 named storms, of which six to 10 could become hurricanes. Among those, three to five are projected to be major hurricanes, with sustained winds of at least 111 miles per hour — powerful enough to cause significant damage and widespread disruption.

The outlook reflects unusually warm ocean temperatures and the influence of La Niña, both of which can fuel stronger and more frequent storms.

Who’s most at risk this hurricane season?

While all travelers should stay aware of weather conditions, peak hurricane season falls from mid-August to mid-October, so extra caution is needed if you're traveling during that window.

Hurricanes frequently impact the Gulf Coast, Florida, the Southeastern United States and the Caribbean islands. If you're planning a cruise or booking a Caribbean resort, it's essential to monitor the hurricane forecast closely.

Although coastal areas face the highest risk, the damage isn’t limited to shorelines. For example, Hurricane Helene pushed inland as far as western North Carolina, devastating communities and halting tourism until repairs could be made. If a hurricane is forecast near your destination or travel route, be ready to adjust your plans accordingly.

Why travel insurance matters this season

Travel insurance can help you recoup most of your trip costs if you must cancel because of a hurricane. Standard travel insurance typically includes trip cancellation coverage, which reimburses you for prepaid, nonrefundable expenses if you cancel for a covered reason.

Common covered reasons include unforeseeable events such as hurricanes and extreme weather, a serious injury or illness that prevents you from traveling, the death of a family member, or terrorism.

For example, if a hurricane prevents you from taking your trip, trip cancellation insurance could reimburse you for nonrefundable expenses such as flight bookings, hotel stays and cruise excursions.

Cancel for any reason (CFAR) coverage works a bit differently. It allows you to cancel your trip for any reason, whether covered under the policy or not, but usually offers only partial reimbursement. Many CFAR policies reimburse 75% of nonrefundable expenses, which is less than what standard cancellation insurance might cover.

If you’re buying travel insurance for a trip during hurricane season, be sure to carefully review the policy. Look for coverage related to hurricane evacuation, travel delays and trip cancellations.

If you’re considering travel insurance, purchase your coverage early. For travel insurance to cover hurricane-related expenses, you need to buy the policy before a hurricane is named, for hurricane-related coverage to apply.

Smart booking strategies during hurricane season

As you plan your travel during the 2025 hurricane season, consider booking lodging with flexible cancellation or refund policies. This can help you recover some or all your money if severe weather forces you to change plans.

You should also choose travel providers with clear cancellation terms, and make sure you’re familiar with those policies as your departure date approaches.

Some airlines and hotels charge fees to change reservations, so look for providers that offer no-change-fee options for added flexibility..

Cruise destinations are especially vulnerable during hurricane season. If you’re planning a cruise, look for one with an itinerary that avoids storm-prone areas, or schedule your trip outside of peak hurricane season months.

How to track storms and stay prepared

Staying informed about the weather is key to being prepared when traveling during hurricane season. Fortunately, several reliable resources can help you track approaching hurricanes and other severe weather events:

• The NOAA National Hurricane Center issues hurricane and tropical storm watches, warnings, advisories and outlooks.
• The National Weather Service maintains a list of weather email and text alert services that provide news about severe weather.
• Many airlines share travel alerts and weather advisories that could impact your trip. Bookmark your airline’s alert page, and check it regularly if you're monitoring potential disruptions. For even faster updates, download your airline’s mobile app — most offer push notifications for flight changes, delays and weather-related alerts.
• The Red Cross Emergency App provides information before, during, and after weather emergencies. You can use the app to monitor five locations plus your current location to track conditions along your planned route.
• Some hotel apps also provide weather updates and emergency alerts. Be sure to download apps for any hotels you'll be staying at during your trip — they can offer timely notifications about local conditions, cancellations or safety procedures that could affect your stay.

Pay close attention to any developing storms about three to five days before you travel.

Monitoring the storms a few days before your trip will give you time to do your research, make a well-informed decision, and contact your airlines and hotels in advance if you feel you need to reschedule or cancel your trip.

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Getting sick or injured when you're on vacation is upsetting in the moment and could leave you with an unwanted souvenir — a big medical bill.

Whether it's a tumble over some cobblestones or a serious medical event, such as a heart attack, sometimes you need emergency health care abroad.

When an emergency happens, you can't put off medical care until you get home. You have to be treated where you are and sort out the expenses after the emergency subsides. But that doesn't mean you can't plan. Understanding what your Medicare insurance does and doesn't cover when you are away from home is the first step.

Whether you can expect assistance from Medicare when you travel boils down to what type of Medicare policy you have and whether you're traveling domestically or internationally.

Beneficiaries with original Medicare have access to more care when in the U.S. and can shop around for limited international coverage that's included in some Medigap plans.

Those enrolled in Medicare Advantage plans (MA) are at a significant disadvantage because their care is tied to a defined network of doctors and hospitals. If you have an MA plan, you'll likely pay more domestically for care and might be able to find a plan that provides travel insurance as one of the perks.

What's covered by Medicare when you're traveling in the U.S.

The type of Medicare policy you have will impact your ability to use your Medicare benefits when traveling in the U.S.

Original Medicare. If you're enrolled in original Medicare, you're in luck. You can use your coverage anywhere in the 50 U.S. states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa and the Northern Mariana Islands. Your Medicare coverage doesn’t change when you cross state lines; there are no price increases, out-of-state restrictions or additional approvals when you need care.

Medicare Advantage. An essential cost management feature of many MA plans is the network of physicians, hospitals and providers with whom they've contracted to provide care to their members. The size and scope of these networks can vary significantly between plans — they don’t usually reach across state lines. When you leave a network, you run the risk of paying more for your care.

Take some relief and comfort knowing that MA plans are required to cover emergency and urgent care anywhere in the U.S. without imposing additional costs or coverage rules. If you have an MA plan and seek non-emergency/urgent care, your plan might or might not cover that care outside of its service area.

Some plans might cover providers that are out-of-network or out of your service area, but with higher cost-sharing and coinsurance.

Your plan might also impose other rules or restrictions for non-emergency care, such as prior authorization. Contact your plan to see what the rules are and which costs apply when you travel within the U.S.

If possible, use telehealth to see your regular doctor or provider for prescription refills or to attend to an issue that doesn't require a physical examination.

Limits of international Medicare coverage

When it comes to international travel, original Medicare and Medicare Advantage plans provide minimal assistance and shouldn’t be relied on to cover a medical event, minor or major, when you're outside of the country.

There are exceptions to the rule, however. There are three circumstances where Medicare will provide some coverage at a foreign hospital, but they primarily benefit beneficiaries living in or traveling near Canada or Mexico. In practical terms, the exceptions only apply if you're in the U.S. or traveling to Alaska.

These are the three situations when Medicare might pay for certain types of health care services you get in a foreign hospital (a hospital outside the Medicare definition of the U.S.):

• A foreign hospital is closer while traveling in the U.S. You’re in the U.S. when you have a medical emergency, and the foreign hospital is closer than the nearest U.S. hospital that can treat you
• Traveling to Alaska. You’re traveling through Canada without "unreasonable delay" by the most direct route between Alaska and another state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat you (Medicare determines on a case-by-case basis which situations qualify as “without unreasonable delay")
• A foreign hospital is closer to your home. You live in the U.S., and a foreign hospital is closer to your home than the nearest U.S. hospital that can treat you, regardless of whether you have a medical emergency

Be prepared to pay all your costs outside the U.S. out-of-pocket. Foreign hospitals have no obligation to file claims for payment. As you might expect, you also pay any co-insurance, co-payments, and deductibles you'd normally pay if you received these same services or supplies inside the U.S.

In the same way that Medicare only covers foreign medical expenses in limited circumstances, it also limits the types of services it will cover.

Medicare Part A, Part B, and MA plans might approve payment for the following services:

• Medicare Part A hospital insurance will cover your hospital care when you've been formally admitted with a doctor's order to a foreign hospital as an inpatient
• Medicare Part B will cover your emergency and nonemergency ambulance and doctor services you get immediately before and during your covered foreign inpatient hospital stay
• Medicare will not pay your ambulance or doctors' expenses if it doesn't approve payment for your hospital stay. It will also deny reimbursement if you received the ambulance and/or doctor services outside the hospital after your covered hospital stay has ended

Medicare Advantage plans are required to provide all the services that original Medicare does, but not more. Although many MA plans have lots of perks that cover things Medicare doesn't, such as hearing aids, they don't automatically offer international travel benefits beyond what was already discussed.

However, there are Medicare Advantage plans that offer forms of coverage for emergency care and urgent care services during international travel.

The coverage and rules vary, so it's important to check with your plan to determine the details of your foreign coverage before you enroll in a plan and again before you travel.

Warning for snowbirds and globetrotters

Many MA plans limit the amount of time you can spend outside your service area (PDF) and still be covered. Typically, the limit for coverage is six months. For example, if you’re a snowbird who spends winters in Florida, you can remain there for six consecutive months and maintain your MA coverage.

If you stay longer than your allotted time, you might be disenrolled from the plan, and a Special Enrollment Period (SEP) would be triggered. If you fail to make a new selection of coverage, you will be automatically enrolled in original Medicare.

While the six-month limit is common, a small number of MA plans allow you to travel continuously within the U.S. for up to one year and still keep your benefits. However, that's a condition you need to seek out when you choose your plan.

Prescription drug coverage

Whether you have a standalone Part D prescription drug plan or get coverage through your Medicare Advantage plan, Part D won't cover prescriptions you get outside the U.S. If you have to buy medication from an international pharmacy, you should expect to pay the entire cost out of pocket.

Vaccination coverage

Your Medicare Part D drug coverage covers all vaccines recommended by the Advisory Committee on Immunization Practices (ACIP), including certain vaccines you might need to get before you travel outside the U.S. Those vaccinations include: yellow fever; chikungunya; and Japanese encephalitis.

Your Part D plan won't charge you a copayment or apply a deductible for vaccines ACIP recommends. Before traveling, talk to your medical provider about which ones are right for you.

Select Medicare Advantage plans and Medigap are your best bets for international coverage

Some Medicare Advantage plans include travel benefits for when you need care away from home. These travel benefits usually cover more than just emergency and urgent care and help ensure you have coverage no matter where you are.

However, not all plans have the same rules and limitations. It's important to ask questions when shopping for the right Medicare Advantage plan.

Several Medigap plans offer some coverage for foreign travel emergencies. There is a deductible, a lifetime limit and a limited window of time during which your coverage is active while traveling.

Medigap plans C, D, F, G, M, and N provide foreign travel emergency health coverage. Here are the features and limitations of this coverage:

• Initial deductible: You pay a $250 annual deductible for foreign travel emergency services
• Coverage limit: Plans cover 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet the $250 deductible
• Lifetime limit: There is a lifetime limit of $50,000 for foreign travel emergency coverage
• Time limit: The emergency care must begin during the first 60 days of your trip outside the U.S. If your trip lasts longer, the coverage will not apply after the first 60 days

Take note of these examples of what these Medigap plans will not cover:

• Routine care: Regular check-ups, non-emergency treatments or elective procedures aren't covered. If you plan to see a doctor abroad for a routine check-up, your Medigap will not pay for it
• Trips longer than 60 days: If you're traveling abroad for an extended period, more than 60 days, any medical emergencies occurring after the initial 60 days are not covered
• Exceeding lifetime limit: If you've already reached the $50,000 lifetime limit for foreign travel emergency coverage, any further claims won't be covered

Medigap plans E, H, I, or J, which are no longer sold, might be kept it if you bought one of these plans before June 1, 2010. They still cover foreign travel emergency care.

Be safe at home and away

Original Medicare and Medicare Advantage plans provide limited travel medical coverage outside the U.S.; you should consider buying a travel insurance policy to get more coverage.

Check with an insurance agent or travel agent to get more information about the cost of travel medical insurance. Be careful to read the terms of the coverage. Travel insurance doesn’t necessarily include health insurance, so it’s important to read the conditions or restrictions carefully.

Those with Medicare Advantage also need to consider getting travel health insurance for their domestic sojourns. Unless you enrolled in an MA policy that includes travel coverage, don't assume you'll be covered by your policy.

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When most people imagine a cruise vacation, they picture poolside cocktails, tropical ports of call and stress-free days at sea. But beneath the surface of this picture-perfect getaway lies a reality few travelers consider: unexpected risks like theft, assault and yes…and even piracy.

While cruising remains one of the safest forms of travel, it’s not immune to rare but serious incidents. And when trouble arises at sea, the question many travelers ask is: Will my cruise insurance cover this?

Here’s what you need to know about crime at sea, who handles security and how to make sure your travel insurance protects you when things go sideways.

Crime on cruise ships is more common than you think

Cruise ships may feel like a self-contained paradise where everything you need from food, shelter and entertainment are all in the same place.

But, cruise ships can also be considered floating small cities carrying thousands of passengers and crew complete with the same potential for mishaps and misconduct. The most common crimes reported on cruises include:

• Theft: From unattended luggage to missing valuables from staterooms.
• Assault: This includes physical altercations between guests or even between passengers and staff.
• Sexual assault: Unfortunately, this is among the most frequently reported crimes aboard ships.
• Missing persons: The U.S. Department of Transportation now tracks several incidents that occur on cruise ships including missing person reports.
• Rare incidents of piracy: While extremely uncommon, cruise ships have altered routes due to piracy threats, especially in regions near the Horn of Africa or Southeast Asia.

According to the U.S. Department of Transportation’s Cruise Vessel Security and Safety Act (CVSSA) reporting, dozens of criminal incidents are reported each year on vessels that carry at least 250 passengers and embark/disembark in the U.S. And those are just the reported cases.

Who’s in charge when a crime happens at sea?

Cruise security teams are the first line of defense, trained to handle everything from minor disturbances to serious crimes. But once a ship is in international waters, jurisdiction can get murky.

Flag-state laws typically apply. Cruise ships are often registered in countries like Panama or the Bahamas, meaning those countries' laws technically govern what happens onboard. Crimes committed within 12 nautical miles of a country's coastline fall under that country’s jurisdiction. Once a ship enters international waters, the nation where the ship is registered (its flag state) typically assumes jurisdiction.

The citizenship of those involved also plays a role. For instance, U.S. law allows jurisdiction if a U.S. citizen is the victim or suspect, even on a foreign-flagged ship in international waters. The FBI may get involved if the victim or perpetrator is a U.S. citizen, the ship is U.S.-operated or the ship departs or returns to a U.S. port.

Then, local authorities take over once the ship docks, depending on where the crime occurred. Unfortunately, investigations can be limited at sea. Evidence collection may be delayed, and witnesses may be hard to track down once the cruise ends. That’s why reporting an incident as soon as possible is crucial.

What cruise insurance actually covers

Cruise or travel insurance can offer important protections, but it doesn’t cover everything. When it comes to serious incidents like piracy or onboard crime, your coverage depends heavily on the policy details.

Here’s what is typically covered:

• Medical emergencies: Treatment onboard and emergency evacuation (which can easily run $50,000 or more) are usually included.
• Trip interruption/cancellation: If your cruise is rerouted or cut short due to a threat, illness or even weather-related concerns.
• Theft of personal belongings: Many policies cover the loss of baggage and valuables, though there are usually caps and exclusions.
• Missed port of call or ship departure: Coverage may apply if a safety-related detour or delay causes you to miss parts of your trip.

But here’s what often isn’t covered:

• Piracy: Believe it or not, most standard travel insurance policies don’t list piracy as a named risk. Specialized policies may cover it under certain conditions, but you’ll have to ask. Piracy may be covered if it results in a covered loss like a medical emergency, trip interruption or evacuation. Even then, reimbursement is not guaranteed unless the policy specifically mentions such events.
• Lost cash or high-value jewelry: These items often exceed policy limits unless scheduled separately.
• Criminal acts you commit: Any illegal behavior on your part voids coverage related to that incident.
• Civil unrest or political issues in port cities: Some exclusions apply if a port is skipped due to government advisories or unrest.

If you're specifically concerned about piracy or hijacking, it's important to keep in mind that coverage for those risks typically falls under marine insurance.

This is a specialized form of insurance designed for cargo ships, commercial vessels and shipping operations. Marine insurance can include protections against war, piracy and ransom demands, but it’s not intended for everyday travelers and doesn’t apply to cruise passengers.

But the key takeaway here is to not assume what’s covered with your travel insurance or cruise insurance. Always read the fine print.

What to look for in a cruise insurance policy

A basic cruise insurance plan is better than nothing, but a comprehensive one is far more helpful if the unexpected happens.

Look for these important features:

• Emergency medical and evacuation coverage: Experts recommend at least $100,000 in medical and $250,000 in evacuation coverage for international cruises.
• Baggage and personal effects: Coverage should extend to items lost, stolen or damaged and should ideally cover up to $1,000 or more.
• Trip cancellation and interruption: Confirm that your plan reimburses you for illness, injury, family emergencies or route changes.
• 24/7 emergency assistance: Look for insurers with a global support team that can help with language barriers, medical transport and documentation.

Some premium policies also offer cancel for any reason (CFAR) coverage. This is helpful to those who want more flexibility.

Also, don’t forget to check if your credit card offers any built-in travel insurance. It may be helpful, but often lacks the medical or evacuation coverage needed for cruises.

Smart safety tips for your next cruise

Insurance aside, a few precautions can go a long way in protecting yourself and your trip.

Before your trip:

Before you sail, compare and purchase cruise-specific travel insurance, not just general trip insurance. Make digital and physical copies of your passport, insurance details and emergency contacts. You can also register your trip with the U.S. State Department’s STEP program for updates and support.

Onboard:

Use your cabin safe for valuables and never leave electronics or jewelry unattended. Be cautious when drinking since incidents often involve alcohol. Also, trust your instincts and report anything suspicious to ship security right away.

At Port:

Be sure to stick to well-reviewed excursions, ideally booked through the cruise line. Always travel in groups and avoid wandering alone in unfamiliar areas. When you leave the ship for excursions, keep your passport and a copy of your insurance on you in case of emergency.

If you’re unsure whether a policy meets your needs, don’t hesitate to call the insurance provider and ask specific questions about your itinerary, destinations and concerns like piracy or political instability.

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Travel insurance is one of those things that feels like an added expense on a vacation on which you've already spent plenty of money — especially if you aren't sure what it covers.

But it's precisely because you've already spent that money on your vacation that travel insurance is worth it. Especially amid rising risks of flight delays and cancelations that could throw off your entire itinerary.

The key is to make sure you get the right coverage and cut costs by skipping coverage you don't need or you already have through another source.

Start by understanding what types of coverage travel insurance typically offers, when you need it and how to find out if you already have coverage elsewhere.

1. Trip-cancellation insurance

This is the most common type of travel insurance you'll see offered. It basically ensures you'll get your money back if your flight, hotel or activity is cancelled.

Typically, it covers a more generous range of cancellation reasons than a standard refund policy from an airline or hotel.

For example, if you need to cancel due to a medical emergency, but you're past the airline's refund deadline, trip-cancellation insurance would reimburse you.

While policies vary, most include specific covered reasons for canceling a trip:

• Medical emergencies, including illness or injury. This sometimes also covers canceling due to a death in the family.
• Work obligations or job loss. This includes unexpected work emergencies or having your previously approved vacation time revoked. It also includes a job loss, but not if you voluntarily resign.
• Jury duty
• Inclement weather or natural disasters. This includes severe weather that causes your flight to be canceled or weather at the destination that renders your hotel or vacation rental uninhabitable.
• Other covered reasons include terrorism, epidemics and other incidents that force you to cancel a trip.

It's important to note that an insurance policy would only kick in here if the ticket or reservation was nonrefundable.

If you have the option to request a refund directly from the service provider, do that first. If you're denied and your reason for cancellation is covered by your travel insurance, you can file a claim at that point.

Do you need trip-cancellation insurance?

Depending on how you booked your trip, you might already have some degree of trip-cancellation protection built in. Many travel rewards credit cards offer some trip-cancellation protection as a perk, for example. If it's a perk your card offers, read through the fine print to see exactly what it covers and how it works.

Next, check the refund policies of the airline, cruise, hotel or other service providers with which you book. Some are more generous than others, especially if you're paying for upgraded fares or accommodations.

Between the standard refund policy and your credit card's travel insurance, you might already have enough coverage for your peace of mind. But for more expensive vacations or times of uncertainty when you think you might need to cancel, it's worth looking into additional coverage.

2. Medical travel insurance

Travel medical insurance is like a basic health insurance policy to cover you when you travel abroad. It typically won't cover a routine exam or preventative care — which you're unlikely to be doing on vacation — but it does cover emergencies, unexpected illnesses or injuries while you're traveling.

If you get food poisoning after eating questionable seafood or twist your ankle while hiking, travel medical insurance would cover you.

Do you need medical travel insurance?

If you're traveling domestically, probably not. Your health insurance should be enough to protect you out of state. However, if you're traveling abroad, it's a good idea to get medical travel insurance.

Check your existing health insurance policy first. While it's not common for health insurance to cover you abroad, some policies offer limited coverage for medical emergencies. If your policy has some international coverage, call your insurance company to explore the details and how the claims process works.

Some travel credit cards also offer medical travel insurance as a perk. Look through the full list of benefits to see if yours does; if so, call the company to find out how it works.

3. Cruise travel insurance

Cruise insurance is a special type of travel insurance that adds in the unique circumstances that come with going on a cruise.

Got lost at a port of call and the ship left without you? Need to leave your cruise early because of an emergency back home? Cruise insurance will cover you.

In many cases, cruise travel insurance also has medical coverage. That includes cruise-specific coverage such as paying for the helicopter that has to airlift you from the ship to the nearest hospital if you suffer a medical emergency that can’t be treated on board.

Do you need cruise travel insurance?

If you’re going on a cruise, yes. There are many unique situations that apply to a cruise that aren’t covered by a standard travel insurance policy.

The cruise operator you book with might offer insurance of its own. But it’s a good idea to shop around and compare policies from independent travel insurance companies before buying the cruise’s insurance. You’ll often find more coverage at a lower price by shopping around.

4. Cancel for any reason travel insurance

Cancel for any reason (CFAR) travel insurance is basically an enhanced version of trip-cancellation insurance. While trip-cancellation insurance will reimburse you for nonrefundable bookings, it only does so for a select range of covered reasons. CFAR travel insurance allows you to cancel for almost any reason.

Here are some of the additional reasons you’d be able to cancel your trip for with CFAR travel insurance that would normally be excluded from standard trip-cancellation insurance:

• Foreseeable events that you knew about when you booked the trip, such as a named storm or a planned airline strike.
• Pre-existing medical conditions (which might otherwise be denied by a standard policy because they're foreseeable).
• Pregnancy
• Fear of travel
• Changing your mind

Do you need “cancel for any reason” travel insurance?

This kind of unrestricted coverage is nice to have, but not strictly necessary unless there’s a high risk you might need to cancel a trip at the last minute. If that risk isn’t related to one of the covered reasons under a standard trip-cancellation insurance policy, it might be worth upgrading to a cancel for any reason policy.

Maybe you’ve booked your first cruise but are still feeling a little squeamish about the idea of being out at sea that long.

If you want the peace of mind knowing that you can get your money back if you get cold feet at the last minute, get CFAR travel insurance.

5. Annual travel insurance

Annual travel insurance — or multi-trip travel insurance — is a more cost-effective coverage option for frequent travelers, or even those who just have a lot of trips on the calendar this year.

In terms of coverage, it’s almost the same as any other travel insurance, though there may be some special limits and exclusions that apply to a multi-trip insurance policy.

The biggest difference is that it usually doesn’t come with trip cancellation coverage. It’s a good idea to get a travel rewards card that offers it as a perk to cover that gap if you get annual travel insurance.

By paying for a policy that remains active all year, you might end up paying less per trip than you would if you bought single-trip travel insurance for each separate trip. It also gives you the convenience of knowing you’re already covered for any last-minute trips you book throughout the year.

Shop for travel insurance once, and you’re protected for all your adventures throughout the year.

Do you need annual travel insurance?

How frequent of a frequent traveler do you need to be for annual travel insurance to make sense? Here are some scenarios where it might be worth shopping around for a multi-trip insurance policy:

• You're planning to take three or more trips in the next 12 months. With three or more trips a year, an annual policy might be more cost-effective than buying separate single-trip policies for each vacation.
• You tend to book spontaneous, last-minute trips. Some types of coverage aren’t available if you buy travel insurance too close to the date of departure, usually within two or three weeks. An annual policy ensures you’ve got full coverage even if you book a trip last minute.
• You only need travel medical insurance. If you get trip-cancellation coverage through your credit card, you might only need a policy for medical coverage. In that case, compare the rates of a single-trip policy and annual travel medical insurance. Sometimes, it ends up being cheaper — especially for extended multi-week or months’ long trips (or if you know you’ll take at least one additional international trip within the next 12 months).

6. Car rental insurance

Car rental insurance is optional coverage that works as a kind of supplement to your own car insurance when driving a rental car. At a minimum, it usually provides collision coverage so you aren’t on the hook for damages to the rental car.

You might also have the option to add additional coverage, including:

• Supplemental liability insurance: This is additional liability coverage on top of the liability coverage already included in your own car insurance policy
• Personal accident insurance: This is sort of like Medical Payments (Med-Pay) insurance, covering any medical expenses related to injuries you suffer in an accident, regardless of who is at fault.
• Personal effects coverage: This insures your personal possessions inside the car, up to a certain dollar limit, if your belongings are lost, stolen or damaged while in the rental car.

Do you need car rental insurance?

In many cases, the answer is no. If you own a car, you have car insurance. If you have car insurance, your liability coverage and any collision coverage or medical coverage, like Med-Pay or Personal Injury Protection (PIP) coverage apply while you’re driving a rental car.

On top of your existing car insurance, many credit cards cover rental car insurance. While coverage amounts vary, you might be able to skip car rental insurance altogether between your own car insurance’s coverage and the added coverage from your credit card.

When should you buy rental car insurance? If you’re traveling internationally, your own car insurance might not cover you while you’re abroad. Call your insurance company to find out what kind of coverage you have while traveling internationally.

If your car insurance won’t cover you abroad and you don’t have a credit card that comes with car rental insurance as a perk (or only offers a minimum coverage amount), it’s worth buying a policy.

Still, make sure to avoid overlapping coverage so you don’t pay more than you must. If you’re already buying travel medical insurance, for example, you can probably skip the personal accident insurance coverage.

If your home insurance already provides personal property coverage, it might provide some coverage to your belongings even while you’re traveling. Call your insurance company to find out how much coverage you have before adding personal effects coverage to your rental car insurance policy.

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A trip is exciting. Not so exciting? The actual planning phase — especially if it's to a location you're not familiar with at all.

Sure, you can do research online and ask your friends for recommendations, but there is a ton of information to sift through out there, and the logistics can be tough to crack. Enter: a travel company.

Not only do tour operators take the sting out of vacation planning, they make it significantly easier once you're there, too. No need to obsess over train time tables or daily itineraries; you can just focus on truly enjoying your trip.

Of course, there is still some work to be done: Choosing the right travel company for you. There are so many options — you just need to pick the one that matches your vision. These choices below don't only come highly rated, they're also well-suited for specific or niche dream trips.

Abercrombie & Kent

• Ideal for: Seeing major sights with a group
• Locales: All continents, with 60 offices in 35 countries
• Founded: 1962

Classics are classic for a reason. Per company lore, Abercrombie & Kent founder Geoffrey Kent was born on safari in Kenya, "his beloved homeland." With six decades of experience, Abercrombie & Kent has a broad footprint in the travel world. Conde Nast Traveller readers ranked it the ninth-best general tour operator in 2024, with a 94.99% satisfaction rating.

If you're looking to travel somewhere new to you and want to journey through different experiences, A&K is a great place to start. They organize tours — including small group journeys, cruises and safaris — as well as private travel and private jet trips.

Choose from pre-made itineraries or let A&K experts create a bespoke schedule just for you. If you're joining a tour, plan to stick with their set dates and book a trip before it fills up.

Just remember it all comes at a price: A 12-day safari in Kenya and Tanzania with a small group (up to 18 people), for instance, goes for $13,495 per person, although the company often offers discounts.

TravelQuest

• Ideal for: Eclipse chasers and awe seekers
• Locales: All continents, following the moon
• Founded: 1996

TravelQuest plans trips around solar eclipses and other sky-related phenomena. If you want to experience the full solar eclipse in 2026, for example, you can join a TravelQuest cruise to Greenland and Iceland, or book a tour of Spain or Iceland.

Kiplinger digital managing editor Alexandra Svokos recalls her remarkable 2010 TravelQuest trip to the Cook Islands to see a solar eclipse — every moment felt like a marvel, even though clouds blocked the view of totality.

Chasing eclipses often leads to destinations you might never have considered, and TravelQuest works hard to ensure that, even with unpredictable weather, you’ll witness something extraordinary and experience something unique. On that 2010 trip, for instance, the group visited such a remote island that TravelQuest had to secure special permission to access. Guests slept in the local schoolhouse because there were no hotels.

The 2026 Spain trip, as another example, doesn't just drop you in Barcelona to see the eclipse, but to rural Castilla, a place pinpointed by the company's astronomers as ideal for viewing the eclipse. A 10-day Spain trip starts at $10,285 per person.

&Beyond

• Ideal for: Spotting the "Big Five" on safari
• Locales: Africa, Antarctica, Asia, South America and Indian Ocean islands
• Founded: 1991

&Beyond organizes travel with an eye for sustainability and conservation. But, while the company pays close attention to its impact on the environment and local communities, it promises travelers will feel pampered by their amenities and services, which include trip plans as well as company-owned lodges and camps.

"They are truly bespoke and offer excellent service," frequent traveler Gracie, who asked to only use her first name, told Kiplinger. "We used them to safari and I felt like a queen!"

One of &Beyond’s hallmarks is its luxury tented accommodations — think hardwood floors and elegant furnishings — set within some of Africa’s most iconic nature reserves and parks. Imagine watching the Great Wildebeest Migration unfold from the comfort of a cushioned patio chair.

Pampering doesn't come without costs. A nine-night Tanzanian safari in the Masai Mara, Serengeti and Ngorongoro Crater will set you back $14,635 per person. Many customers will tell you it's well worth it the investment for an unforgettable experience.

Marathon Tours & Travel

• Ideal for: Runners chasing travel dreams
• Locales: All continents, including an exclusive Antarctica marathon
• Founded: 1979

Not for the meek, Marathon Tours & Travel caters to athletes looking to run races all around the globe in unique destinations like Bhutan, China's Great Wall, Kangaroo Island and the desert around Petra.

Just scrolling through the options might make you wish you were a marathon runner. This company has created races in some of the world’s most remote places, offering incredible, once-in-a-lifetime experiences to add to your bucket list. In the 1990s, they launched the Antarctica Marathon, making it possible for runners to join the "Seven Continents Club" by completing a marathon on each continent.

For experienced runners, the company can help cross milestone races, like Boston, Berlin, New York and Tokyo, off your list with guaranteed entries and logistics covered.

"If you are traveling solo or as a couple and don't mind spending the extra money, MTT is awesome," wrote one Redditor who said they took trips with the company to Berlin and London. "They only book the best hotels, are very organized and very professional. Their meet-ups, tours, breakfasts and dinners have all been good."

Pricing varies based on where you're going and what exactly you want to get out of a trip. The four-night Berlin Marathon Tour, for instance, starts at $2,950 for single occupancy at the JW Marriott, including lodging, a cocktail reception, a pre-race dinner, a post-race celebration and a half-day city sightseeing tour. Guaranteed entry for the race will cost an additional $350.

Kensington Tours

• Ideal for: Travelers who want bespoke luxury
• Locales: Over 100 countries on all continents, including the Arctic and Antartica
• Founded: 2006

Some travelers may have one specific gripe about tour operators: Aren't they just getting the same copy-and-paste vacation experience as thousands of other tourists? That's definitely not the case with Kensington Tours, which prides itself on its custom trips — the website explicitly states that "no two trips are the same."

Instead of a turn-key itinerary, Kensington Tours assigns you a "destination expert" who helps craft your dream vacation (and provides support when you're actually there, too). You'll receive a customized itinerary that you can change whenever want, providing a rare flexibility you won't get with many other operators.

Kensington Tours has options all over the globe, including cruises, luxury villa stays, food tours, culturally immersive experiences, safaris, personal retreats and more. Tell them where you want to go and what you want to do — they'll make it happen.

Of course, this level of support and luxury (emphasis on luxury) doesn't come cheap, although there's a wide range of prices available. On the lower end, a six-day Scandinavia tour focusing on major cities costs upward of $6,842. For a truly lavish option, expect to pay at least $31,494 per person for a 21-day expedition to Antartica and Patagonia.

If you're looking for a truly unique experience, it just might be worth it. Kensington Tours has 4.8 stars on TrustPilot, with one recent user, Lynn Flaherty, raving, "Our recent trip to Vietnam was most excellent! ... We were able to get out and met the locals, enjoy sumptuous food at both delicious restaurants and from street vendors, and had many adventurous excursions. Our in-country guides were excellent."

Country Walkers

• Ideal for: Hikers and outdoor enthusiasts
• Locales: North America, Europe, New Zealand, Peru
• Founded: 1979

If your motivation to travel is the great outdoors, consider Country Walkers, a tour operator that runs group trips and self-guided walks. On all of their tours, you'll do a beautiful hike over several days — soaking in nature with planned stops for cultural experiences along the way.

For example, consider the itinerary for the Country Walkers tour in Greece. Not only will you explore mountains and the beach, but you'll visit the Temple of Delphi, a winery owned by a local and an ancient monastery — all in the company of an experienced guide. It's no wonder Country Walkers has a 4.9 star rating on TravelStride, with reviewers describing it as "a great combination of walking and culture trip with insider access" and "so beautiful, culturally rich, and very well-organized."

Love to make friends and prefer to have a guide always present? Select a group tour, which allows for up to 18 people. You'll still have free time with this choice, so don't worry about a nonstop schedule. This is typically the pricier option, ranging from $3,245 to $7,795.

With self-guided tours for solo travelers, you set the pace and enjoy time by yourself. Instead of a guide, Country Walkers will give you an itinerary, handle booking your lodgings, cover many of your meals, transfer your luggage between stops and supply a representative available to help you 24/7 as you make your way through the journey. Costs for these trips range from $2,045 to $8,445.

With both options, you can pick from a variety of difficulty levels: Some trips are labeled "easy" and as short as two miles a day, while others are more challenging, covering up to 10 miles a day.

Food N' Wine Vacations

• Ideal for: Foodies and wine lovers
• Locales: Italy, Spain, Portugal, Greece, France, Croatia, Slovenia, South America
• Founded: 2003

Ask many people their favorite thing about traveling, and they'll immediately respond, "The food!" Experiencing the local cuisine is one of the best ways to connect with an area's culture, and of course, it's always fun (and delicious) to try new dishes and specialties. Food N' Wine Vacations creates its tours with exactly that in mind.

Visitors on a Food N' Wine Vacations tour do far more than sample incredible meals at restaurants, markets and food stalls — paired, of course, with wines and other local drinks, as the name suggests. Each itinerary weaves in the region’s history, natural beauty and hands-on encounters with local experts, such as chocolate artisans, cheesemakers and vineyard owners. Plus, the company notes, it chooses beautiful "private estates that capture the essence of the region" with a "story or history" for the tour accommodations, so that you're surrounded by local culture from sun up to sun down.

Food N' Wine Vacations keeps it simple, creating the itinerary for your tour so all you have to do is show up. A private guide who's an expert in the region and its cuisine will lead you each day as you experience one of life's greatest pleasures: food.

"Our Taste Of Tuscany wine tour was way beyond our expectations. The Villa was out of a dream with wine flowing and delicious home cooked breakfasts and dinners and two fabulous cooking classes," Local Guide Google reviewer Cheryle Derman wrote. "The guided private tours were exactly what we were hoping for. We have already booked Greece for 2025."

Prices for a tour with Food N' Wine Vacations vary, depending on length and location, starting at $1,850 per person for an experience (not including flights).

Keep in mind that while travel companies do a lot of planning and logistics for you, they may not necessarily include travel insurance.

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Summer is here, so you may be planning an international vacation. But before you finalize your itinerary, you should check if any travel advisories exist for your intended destination.

Currently, the United States Department of State, Bureau of Consular Affairs, deems 23 nations unsafe for U.S. citizens to travel to, placing those countries on the Level 4: "Do Not Travel" list.

We'll explain how travel advisories work, share which countries you should avoid and discuss what these advisories really mean for your travel plans.

How travel advisories work

The U.S. government publishes and regularly updates a list that classifies other countries based on their level of risk. The information in the list can help you decide whether or not to travel to a particular nation.

Countries can be classified as follows:

• Level 1: Exercise Normal Precautions. The nation is generally safe, but you should stay alert and aware of your surroundings, just as you would at home.
• Level 2: Exercise Increased Caution. The nation is safe overall, but there may be crime or political unrest in your area, requiring extra vigilance.
• Level 3: Reconsider Travel. The nation is unsafe overall due to a high level of crime or terrorism. You may want to visit a safer country.
• Level 4: Do Not Travel. The nation is very dangerous and may have armed conflict. Tourists may be targeted, so you're advised to avoid traveling there.

The government factors in many criteria when classifying each country, such as crime rate, risk of wrongful detainment or kidnapping, presence of terrorism, armed conflict, or civil unrest and access to healthcare.

You can read more about travel advisories on the U.S. Department of State website.

Potential impact on your international travel plans

While the government can strongly encourage you not to travel to a particular country, you can decide to ignore the warning and go anyway.

However, due to the risks, flights may not be allowed to enter a nation's airspace, limiting your travel options. You may also need a special visa validation to cross certain borders.

If you do plan to travel to a dangerous country, you should stay abreast of any developments by paying attention to global news and government alerts. You should also contact local authorities and the embassy for additional information.

A sobering reality: If you experience an emergency while traveling in some of these countries, the U.S. government may be unable to help you, leaving you stuck in a potentially life-threatening situation.

You're encouraged to update your will and obtain appropriate insurance coverage, including travel insurance, before starting your journey.

When shopping for travel insurance, however, keep in mind that many policies exclude coverage in countries that have a level 4 travel advisory.

If your destination wasn't on the list at the time you booked your trip, but it is now, you will usually still be covered in that scenario. But it's a good idea to call your insurer to make sure so you know where your coverage stands before you fly.

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Atlantic hurricane season starts in June and ends in November, so if you have a vacation planned within the next several weeks, it will pay off to consider how your trip could be impacted by severe weather. Most hurricane activity occurs between mid-August and mid-October, typically peaking in September, which could throw a wrench in your upcoming plans.

And this season, above-normal hurricane activity is expected. NOAA estimates there will be 17-25 named storms (average is 14), 8-13 hurricanes (average is 7) and 4-7 major hurricanes (average is 3) in total this year. Currently, Hurricane Helene is heading toward the Gulf Coast of Florida, where it will make landfall as a Category 3 hurricane.

You know what they say — it’s better to be safe than sorry. Adequately preparing for a vacation during hurricane season can help you avoid risky situations and prevent a huge loss of money. Here's what you need to know about protecting your hurricane season trip.

Protect your hurricane season trip during the 2024 Atlantic hurricane season

The 2024 hurricane season is expected to be more intense than previous hurricane seasons. NOAA predicted an 85% chance of an above-normal season this year, due to near-record warm ocean temperatures, the development of La Niña conditions in the Pacific, and reduced Atlantic trade winds and less wind shear. 

We've already witnessed this with Hurricane Beryl, whose early development and rapid intensification caused it to be the earliest Category 5 hurricane observed in the Atlantic basin on record. Then there was Hurricane Idalia, which caused billions of dollars in damages and brought dangerous storm surges stretching from Florida to the Carolinas. 

Hurricane Ernesto, which made landfall in Bermuda in mid-August, impacted much of the U.S. Eastern Seaboard with rip-tides and high surf. And right now, all eyes are on Hurricane Helene.

For this reason, if you plan on traveling somewhere hurricane-prone between now and November, you'll want to prepare as best as you can. Don't forget: Hurricane Ian devastated Florida in late September 2022, while Superstorm Sandy hit New York City at the end of October.

The following guidelines can help you protect your hurricane season trip.

1. Choose a safer location

Just because it's hurricane season doesn't mean you have to sacrifice your end-of-summer vacation or fall travel plans altogether. You might just have to sacrifice your ideal destination for one that’s less prone to hurricanes.

According to Sperling's BestPlaces, the following areas in the U.S. are most likely to be hit by a major hurricane:

• Southeast Florida (Miami-Fort Lauderdale-West Palm Beach)
• Key West and the Florida Keys
• Southwest Florida (Fort Myers-Naples)
• West Florida (Tampa-St. Petersburg-Sarasota-Clearwater)
• Outer Banks Islands, NC (Cape Hatteras)
• Central Texas Gulf Coast (Galveston)
• Central Florida Atlantic Coast (Melbourne-Cocoa Beach)
• Florida Panhandle (Pensacola-Panama City)
• Central Gulf Coast (New Orleans, LA-Biloxi, MS-Mobile, AL)
• South Texas Gulf Coast (Corpus Christi-Brownsville)

And according to Travel Safe, these are a few international destinations travelers should be wary of visiting during peak hurricane season:

• Aruba
• Jamaica
• Belize
• Cancún, Mexico
• The Azores, Portugal
• Even the United Kingdom 

Instead, consider the following destinations. Mainly, the “ABC” Islands (Aruba, Bonaire and Curaçao) are listed as some of the safest travel destinations to visit during hurricane season:

• Aruba
• Bonaire
• Curaçao
• Panama
• Grenada
• Trinidad and Tobago
• St. Vincent and the Grenadines

2. Don't make assumptions about cancellation policies

It's always important to understand your flight, hotel and rental car cancellation policies before traveling. If something goes wrong, like a canceled or delayed flight, don't just assume you'll be reimbursed. Policies vary from company to company —some offer flexible cancellation policies, while others are only partially refundable.

The U.S. Department of Transportation (DOT) has been firming up rights for flyers in cases of cancellations and delays. For example, consumers are entitled to a refund if an airline cancels or makes a "significant change" to a flight to, from or within the U.S., regardless of the reason, and the consumer chooses not to travel, according to the Department of Transportation. That includes in cases where the ticket was bought as non-refundable, and it's true "regardless of the reason" for the change or cancellation.

Under a DOT rule issued in April, airlines are required "to promptly provide passengers with automatic cash refunds when owed," so you shouldn't have "to explicitly request [refunds] or jump through hoops" to get them. The rule says refunds should come in the original payment method, which includes credit card or airline miles. 

Significant changes to a flight include departure or arrival times that are more than three hours domestically and six hours internationally; departures or arrivals from a different airport; increases in the number of connections; instances where passengers are downgraded to a lower class of service; or connections at different airports or flights on different planes that are less accessible or accommodating to a person with a disability.

Note that the DOT rules are still new and airlines still have time to get processes in place to comply with them. DOT Sec. Pete Buttigieg sent a letter to the CEOs of the ten largest American airlines at the end of July saying they're expected to comply, and the refund rule goes into effect in October.

To compare current policies between airlines, the DOT’s Airline Cancellation and Delay Dashboard can be helpful. It conveniently shows information about services that U.S. airlines provide when the cause of a cancellation or delay was due to circumstances within the airline’s control. 

Hotel and car rental policies can vary, but typically, the amount you're refunded depends on how far in advance you cancel. Standard cancellation windows range from 24 hours to 1 week. For example, according to Enterprise, if you cancel your booking less than 7 days, but at least 24 hours before your specified pick-up time, you will be refunded the booking amount minus a small cancellation fee. 

According to Hilton, cancellation policies vary depending on the rate or dates of your reservation. Heavily discounted rates will typically have stricter cancellation policies.

 3. Buy travel insurance

Your best option to ensure your trip is fully protected is by purchasing travel insurance, which typically costs between 4-10% of a trip's price. Travel insurance policies fall into one of three tiers: basic, middle-tier and comprehensive coverage. Basic policies typically cover just trip cancellation and lost baggage, while mid-tier policies include the same benefits as basic policies but add a health insurance benefit.

A comprehensive travel policy includes both the benefits of basic or middle-tier policies, with even more coverage. With a comprehensive travel policy, you'll receive coverage for cancellations, medical expenses, accidental death, evacuations and loss or delays. And often, it comes with 24/7 assistance. While comprehensive policies are the most expensive, they're often worth it for that added peace of mind. The average cost of travel insurance is roughly $308, based on travelers who compare and purchase plans through the company, according to Squaremouth

Sites like InsureMyTrip and CoverTrip can help you compare policies.

Many of the best travel rewards credit cards also offer some form of travel insurance. Depending on the card, you could receive coverage for everything from lost or delayed baggage to missed connections or canceled trips. Some cards even offer some degree of travel medical insurance. Opting for a credit card with travel insurance can be a great way to protect your trip, and can also be used alongside a standard travel insurance policy to maximize coverage.

Compare credit cards by using our tool below, powered by Bankrate:

4. Stay informed and have a plan

You've protected your trip financially, now it's time to make a plan for what to do if your vacation does get derailed by a storm. 

First, before you ever leave your home, start checking the weather forecast. Staying up to date on the development of any storms can help you make informed decisions on whether or not you should travel at all. You can use the FEMA app to receive real-time weather alerts and the Smart Traveler Enrollment Program (STEP) to receive important information from the embassy about safety conditions in your destination country.

Before traveling, you'll also want to know evacuation procedures for the area you're visiting and have an evacuation plan in place before you get there. Packing emergency supplies or purchasing some when you arrive is also worth consideration. It's also a good idea to pack all of your essentials in a carry-on, in case your baggage gets lost or delayed.

Make sure to pay attention to the latest news and alerts, and follow any directions regarding evacuations. You are not only putting yourself in danger if you choose not to follow evacuation orders: You are also putting first responders in danger and taking away resources from residents.  

Bottom line

While traveling during hurricane season can be risky, there are steps you can follow to ensure your trip is protected. Of course, opting for a location with minimal hurricane risk is recommended. But if you must travel somewhere with a heightened risk of severe weather, one of the most important steps is to purchase travel insurance. Sure, it'll likely cost several hundred dollars upfront, but ultimately save you several thousand down the line if issues arise while you're abroad.

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A trip abroad is a dream for most people, but sometimes things go awry.

Flights get canceled, trains get delayed, hotels have bugs and tours don’t live up to their promises — unfortunately, unexpected issues can pop up when traveling.

Even if you're visiting one of the cheapest countries, these surprise expenses can burn a hole in your wallet.

When you’re out of the country, it’s not as simple to call and demand a refund when you can’t speak the language or it costs money to make that call in the first place. Plus, there might be different consumer laws and regulations in other countries, too.

But there are things you can do to get your money back when you experience a travel roadblock. Follow this step-by-step guide to ensure a refund from anywhere in the world.

1. Have travel insurance before you go

Travel insurance is a smart way to protect yourself when you go on any trip. While most travel insurance options won’t offer complete reimbursements, they'll get you sizable refunds for common trip headaches, like stolen luggage, canceled transportation and shoddy accommodations.

You can compare rates with providers such as Faye Travel Insurance.

"Before you book your trip, check if the credit card you plan to use offers any travel insurance or assistance that might be useful to you. Otherwise, it might be a good idea to begin shopping for travel coverage through a carrier that offers comprehensive travel coverage,” advised Mark Friedlander, the director of corporate communications for the Insurance Information Institute.

If anything comes up, you can then contact your travel insurance to try to get a refund. Jenna Hummer, the director of publicity for Squaremouth, a travel insurance company, said your steps should then be:

• Have all receipts from your trip ready ahead of time
• Obtain documentation from your travel supplier proving you canceled your trip
• Provide as much detail as possible in your claim form and interview
• Be prepared to send in additional information or documentation to support your claim

Not everyone needs to invest in travel insurance, Hummer added.

"Travelers with existing protection through their travel credit cards, airline, or through other means, travelers that don’t have any prepaid, nonrefundable trip expenses, travelers with few trip expenses, or taking relatively inexpensive trips, travelers with existing medical coverage that covers them for their trips" likely won't want to buy travel insurance, she said.

Check out How to Organize Your Financial Paperwork for tips on keeping your paperwork in order.

2. Check the policies

Let’s say you didn't choose to get travel insurance. You might still be protected in another way. Look at what your credit card offers, for example, as there are credit cards with travel insurance.

You can also check out the policies on the offending company’s site: The airline, hotel or vendor might already have a structure in place for people experiencing problems.

3. Contact the company directly

If you don't have travel insurance or the company doesn't offer an automatic resolution, reach out directly. The fastest way is probably via phone, so try to make these calls while you're already abroad.

If you're already back in the United States, you can use calling apps such as WhatsApp, Facebook Messenger or FaceTime to help make a free or low-cost international call.

You might run into an issue if you don't speak the language. In that case, you can contact the company via email or social media, where you can use a translation app to help get your message across, Friedlander suggested.

4. Get a local to intervene on your behalf

If your emails are going unanswered or you can’t communicate with the vendor, consider turning to a local for help, Friedlander said. They can mediate for you and help you advocate for what you need.

Don’t know anyone directly on the ground in this country? “Asking a bilingual employee at the hotel where you are staying may be another option,” he explained.

5. Dispute the credit card charge

Unfortunately, sometimes the vendor won't be responsive, regardless of how you communicate. That's when it’s time to talk with your credit card company.

Contact them to explain the situation and dispute the charge. Make sure you have the proper documentation to back up your claims. Typically, chargebacks are simple to do and are often approved.

What to do next

When travel plans go off the rails, these five simple steps can help you recover what you've spent, but your work doesn't stop once you hit "send." Keep a paper trail, save receipts, emails and screenshots, stay polite but firm and don't be afraid to escalate your claim to local consumer‑protection agencies if the vendor stays silent.

If all else fails, use your credit card to dispute the charge, armed with documentation and persistence. Preparing digitally, such as scanning relevant documents to the cloud and keeping contact info at hand, can turn a travel nightmare into a manageable hiccup. Stay organized, stay calm and you'll boost your chances of making things right.

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Travel these days is challenging, but credit cards with travel insurance can offset a host of headaches. The best rewards credit cards will reimburse customers that have lost or delayed baggage, missed connections or canceled trips. Some cards even pay survivors in case of death or dismemberment.  

A recent study by WalletHub evaluated 66 of the best credit cards with travel insurance across three broad categories: luggage insurance, travel accident insurance, and eligibility, cost and extra coverage.  

Many cards that used to offer travel insurance have reduced or eliminated coverage. In fact, WalletHub found that only 24% of the consumer credit cards they studied offered trip cancellation insurance. And cards issued by Wells Fargo, Citi, Discover and Synchrony provide no travel insurance coverage.

Best credit cards with travel insurance

Chase Bank has been positioning its Sapphire-branded travel cards as leaders in the competitive arena of low-fee and premium travel credit cards. So it's no surprise that the Chase Sapphire Reserve® and the Chase Sapphire Preferred® credit cards both score highest in the study. Here are areas where the cards beat the competition, with the maximum coverage amount by category.

Chase Sapphire Reserve Credit Card: 

Best for travel accident insurance ($1 million in coverage).

Chase Sapphire Preferred Credit Card: 

Best for luggage insurance, ($3,000 in coverage).

Best for Trip Cancellation: ($20,000 in coverage per trip).

Best for Eligibility, Cost and Extra Coverage Combined, including:

Trip Delay ($500 in coverage per ticket).

Travel Accident ($500,000 in coverage).

Delayed Luggage ($500 in coverage per trip).

Trip Cancellation ($20,000 in coverage per trip).

Trip Delay ($500 in coverage per ticket).

The 10 best cards with travel insurance

Here are the top cards, with three tying for fourth place.

Source: Adapted from WalletHub Best Credit Cards With Travel Insurance, June 23, 2023. 

Do you need travel insurance?

New regulations protect you. Thanks to new federal regulations, U.S. consumers have more protections when flying. These rules require airlines to refund customers for U.S. flights canceled for certain reasons beyond a passenger’s control. Airline customers also have more rights when their flights are delayed. The rules are complicated, so be sure you refer to the Department of Transportation’s refund guidelines. 

The airline industry is stepping up. In more good news for travelers, the new regulations spurred industry improvements; nine airlines changed their policies to guarantee coverage of hotels and ten airlines to guarantee meals for stranded passengers.  

Weigh your options for expensive trips. Still, for expensive or risky trips, you will want to assess your credit card's travel insurance benefits. If you find them wanting, purchasing extra travel insurance might be worth it. The average cost of all single-trip travel insurance policies bought on the travel insurance site Squaremouth is $308. That average hides a wide variation in costs. Comprehensive plans, for example, include trip cancellation coverage and run at an average of $403, while travel medical plans cost $97 on average. 

Tip: If you plan to bring medications along with you on international travel, don't risk having them confiscated at the border. 

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While vacation is supposed to be a time of fun and relaxation, accidents do happen. Planning ensures you have the protection you need in case you're sick or injured during your trip.

Depending on where you are and what your primary health insurance policy covers, you might be stuck with the bill if you do end up in the hospital. For this reason, it's better to be safe than sorry, and that means considering your options for travel insurance.

If you've never thought about this type of coverage before, it can be confusing. When should you buy travel health insurance? What kind of coverage do you need? How much does it cost? Keep reading to get answers.

What is travel health insurance? 

Travel health insurance can help you pay for emergency medical expenses that arise when you're on a trip, such as if you become ill or experience an injury and need to go to the hospital.

Even if you have a U.S. health insurance plan, most provide little or no coverage abroad. Medicare does not provide coverage abroad either.

Here's what travel health insurance covers:

• Emergency medical expenses: ambulance service, doctor and hospital bills, X-rays, etc.
• Medical evacuation
• Prescription medications
• 24-hour assistance services
• Accidental death and dismemberment

Travel health insurance doesn't cover expenses incurred as a result of routine medical exams, elective care, extreme sport injuries or intoxication.

Typically, pre-existing conditions are also not covered, unless you qualify for a pre-existing medical condition exclusion waiver.

You can choose from a number of policy types when deciding on a travel health insurance policy.

• Single-trip coverage: As the name suggests, a single-trip insurance policy provides coverage for a single trip, from the time you leave to the time you return.
• Multitrip coverage: Also called annual trip insurance, multi-trip coverage covers all trips in a calendar year, as long as each trip doesn't exceed a certain number of days.
• Primary coverage: Your travel health insurance will pay out before any other health insurance you have.
• Secondary coverage: Claims are first filed with your existing health insurance provider. If your U.S. health plan doesn't provide coverage overseas or cannot cover all expenses, then you'll file a claim with your travel insurance company.

When should you get travel health insurance?

The short answer is almost any time you're traveling abroad when your primary health insurance won't cover you. Approximately one in four people have had medical issues that required care while traveling abroad, according to a survey from GeoBlue.

At the same time, the study found that 76% of consumers either don't know how they'd pay for medical treatment abroad or likely won't have adequate coverage, and 46% expect to use their existing domestic health insurance plan.

If you intend to travel outside the U.S., it's a good idea to purchase some form of travel health insurance, even if you're in good health. This way, you're not stuck paying medical costs up-front in the case of an accident or emergency, since most U.S. health insurance policies don't provide coverage abroad.

You might also consider opting for a comprehensive health insurance policy, which also offers trip cancellation, lost luggage and trip delay coverage, but it'll cost more.

Many of these benefits also come with premium travel credit cards.

UnitedHealthcare recommends travel health insurance for all travelers, particularly:

• Families with children
• Anyone visiting a country that speaks a different language
• People with chronic conditions
• Solo travelers
• Travelers to a remote location

How much does travel health insurance cost?

Insurance costs depend on several factors, including the country you're visiting, how old you are, deductible amounts and how much coverage you'll need.

How much you pay also depends on whether you're opting for individual coverage or need coverage for family members traveling with you, such as your spouse or kids.

Policies average from $40 to $80, according to Travelers.com, but higher coverage limits and longer coverage terms typically increase the cost of the policy.

The average price for a stand-alone travel health insurance policy is a bit higher than this estimate, at $97, according to SquareMouth Travel Insurance.

The bottom line on travel health insurance

When planning a trip, travel health insurance can provide valuable peace of mind, covering unexpected medical expenses that your regular health insurance might not.

Before purchasing, carefully review the policy details, including coverage limits, exclusions and whether pre-existing conditions are covered.

With the right preparation, you can explore the world confidently, knowing you're protected if the unexpected happens.

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Should you tick the box for rental car insurance at the Avis, Budget or other rental car counter? Or does your personal auto insurance or rewards credit card already offer this benefit?

Given that supplemental insurance for rental cars can cost around $13 to $30 per day or more, it's worth asking these questions first. Figuring out card benefits before you travel is smart. However, wading through the perks offered by multiple rewards credit cards can be arduous and confusing.

A study from WalletHub did the heavy lifting for you, identifying which credit cards provide rental car coverage and comparing the travel benefits of 86 credit cards from the 10 largest issuers.

Comparing credit card issuers

Many financial institutions offer auto rental benefits. Perks will vary from card to card, so it's important to understand the terms of each card.

Chase Bank offered the best rental car insurance benefits among the personal credit card issuers studied by WalletHub.

Check out the chart below to see how your card compares:

No coverage: Synchrony and Discover don't offer any car rental coverage on any of their credit cards.

Chase credit cards with car rental insurance

Two of the top credit card offers with car rental coverage come from Chase, according to WalletHub's analysis.

Chase credit cards offer the best car rental insurance compared with other issuers. Chase will insure rentals globally, including in countries such as Italy and Ireland that other cards may prohibit.

Chase also boasts the highest per-vehicle coverage amount (up to $75,000), and coverage extends up to 31 days, whereas most competitors will insure only up to 15 days in your home country.

• Interest rate: 19.99% - 28.49% variable.
• Annual fee: $795; $195 for each authorized user.
• Foreign transaction fee: None
• Rewards: 8-times points on all purchases through Chase Travel, including The Edit^SM; 4-times points on hotels and flights booked direct; 3-times points on dining worldwide and 1-times points on all other purchases.
• Other benefits: An annual statement credit of up to $300 for travel purchases (purchases that qualify for the credit do not earn points until the $300 travel credit has been applied), a Priority Pass Select membership for airport lounge access and perks at properties in the Luxury Hotel & Resort Collection. Get complimentary access to DashPass, which unlocks free delivery and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Lounges: Access to 1,300-plus airport lounges worldwide after an easy, one-time enrollment in Priority Pass^TM Select and up to $120 application fee credit every four years for Global Entry, NEXUS or TSA PreCheck^®
• When things go wrong: Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Redemption: Points are transferable to partner airline and hotel loyalty programs, or trade points at a healthy rate of 1.5 cents each when you redeem them for travel bookings through Chase Travel℠, or for statement credits against purchases in rotating categories through Chase's Pay Yourself Back program (including Airbnb, dining, charitable donations, and other categories).
• Member FDIC

• Other benefits: $50 annual Hotel Credit. Get $50 in statement credits annually for hotel stays booked through Chase Travel℠. On each yearly anniversary of opening your account, you get a 10% points bonus on total purchases made the previous year. Also, get complimentary access to DashPass, which unlocks free delivery and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Redemption: Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. You can transfer Chase points to a partner such as British Airways at a one-to-one ratio, in which one Chase point is equal to one British Airways frequent-flyer point. If you book your trip through the Chase travel portal, your points are worth 1.25 miles on British Airway's frequent flier program. This 25% boost doesn't expire, but is built into the Ultimate Rewards program.
• Interest rate: 19.24% to 27.49% variable APR for purchases and balance transfers, and 28.99% variable APR on cash advances.
• Annual fee: $95
• Foreign transaction fee: None, so this is an excellent card for international travel.
• Member FDIC

More top credit cards with car rental insurance

Wells Fargo also scored highly on WalletHub's ratings of credit cards that offer travel insurance.

Most Wells Fargo credit cards offer rental car insurance, including popular cards like the Wells Fargo Active Cash^® and Wells Fargo Autograph^®.

Coverage is typically for up to 31 days outside of the US and 15 days within. Wells Fargo does not insure cars rented in Israel, Jamaica, the Republic of Ireland or Northern Ireland. Maximum coverage is up to $50,000.

• Rewards rate: 2% cash rewards on purchases.
• Redemption: Statement credit, cash at the ATM with a Wells Fargo debit or ATM card (in $20 increments), gift cards ($25 increments), or a credit to a qualifying Wells Fargo credit card, checking account or mortgage.
• Other benefits: Up to $600 per claim of protection for your cell phone against damage or theft if you pay your monthly wireless bill with the card.
• Interest rate: 18.99%, 23.99% or 28.99% variable APR.
• Foreign transaction fee: 3%, so skip this card if you're planning significant travel outside the U.S.
• Annual fee: None.

How to use your credit card for rental car insurance

Using your credit card's travel benefits, rather than the rental company's insurance, is simple. Once you have obtained or decided to use a card with solid rental car insurance, use that card to reserve a rental car.

Then, decline the theft and damage insurance offered by the rental company, and be sure to pay for the car rental with the same credit card.

Does your car insurance policy cover rentals?

If you live in the U.S. and own a car for personal use, you likely don't need additional insurance when you rent a car in the U.S., because your own auto insurance policy will cover your rental car.

But some U.S. states, such as Florida and New Hampshire, only require more limited coverage for auto insurance. If your personal auto policy lacks collision and comprehensive insurance, your rental car could be underinsured in an accident or mishap.

When it makes sense to get a travel card to cover rental car insurance

Even if you have a personal auto insurance policy, it makes sense to get one of the best travel credit cards to cover a rental car in the following instances:

• Lower value. The car or cars you've insured are worth much less than the car you intend to rent. Since most rental cars are fairly new, this is a common scenario.
• International driving. You plan to rent a car outside the U.S. or Canada.
• Business travel. You plan to rent a car in the U.S. or abroad while traveling for business. The auto insurance on your personal vehicle does not extend coverage to a car rented for business travel.
• Weak personal auto insurance. Your personal auto insurance policy offers much less protection than a good travel credit card.
• Keep your premium low. You want to avoid your personal car's auto insurance premium rising in the event of an at-fault accident, an option if your credit card offers primary insurance.

Whatever you do, you should call your credit card company and auto insurer before you rent a car, as your policy may have changed. Make sure you understand the different types of auto insurance.

Here's a summary of what personal auto insurance and the highest-rated travel credit cards may cover when you rent a car:

*Government employees, such as military and postal workers, might have auto insurance coverage as an employment benefit. If you work for a private employer, check if you are covered under a company policy.

Avoid rental car fees

Don't just save money by using the right credit card for rental car insurance, watch out for rental car fees that could undo all your savings. For example, price out the cost of taking an Uber, Lyft, Turo or public transportation to the airport and return your car in town to avoid airport-return fees.

You can also avoid high refueling fees by dropping the car off with a full tank of gas. Avoid daily toll transponder fees by bringing your own transponder on your trip. These are just some of the rental car fees to avoid.

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We may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our site but our editorial selection of products is made independently. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. We calculate a typical annual reward for each card, assuming $36,000 spent annually and less any annual fee. Interest rates, fees, rewards and other terms listed in this article are subject to change. Before you apply for a credit card, check its current terms and conditions with the issuer.

When you book a trip abroad, you might be considering whether it's worth it to pay for travel insurance. On the surface, travel insurance may seem like an unnecessary cost, particularly when fares are refundable or you have a travel rewards card that already provides some protection. But there are situations when its mandatory, as well as times when it’s not required but is still worth paying for.

From cancelled flights due to severe weather, a surprise illness or lost luggage, it makes sense to have contingencies in place for things that could happen.

While a credit card's travel insurance may be enough for some travelers, most cards only offer limited protections. So, here's a break down of what travel insurance covers, how much it costs and when it is (or isn't) worth it.

What does travel insurance cover?

While some credit cards offer travel insurance, often, the coverage is limited. Sure, travel insurance through your credit card may cover the cost of your trip if its cancelled, but it likely won't cover expenses if you experience a medical emergency abroad.

By contrast, comprehensive travel insurance policies cover a wide range of expenses. A comprehensive travel policy typically includes several types of coverage all in one plan. This includes coverage for damage to rental cars, trip cancellation, medical expenses and lost luggage when you’re abroad.

Another option is to combine the benefits that come with your travel rewards credit card (trip cancellation, lost luggage and trip delay coverage) with a travel medical insurance policy.

How much does travel insurance cost?

According to data from SquareMouth, a travel insurance comparison site, the overall average cost among all single trip travel insurance policies purchased on their site in 2025 is $309.

However, the amount you pay for a policy depends on a number of factors — the length of your trip, the number of travelers you need to insure, and even how old you are.

A better estimate is 4% to 11% of the total cost of a trip, experts say. You can compare plans at SquareMouth or TravelInsurance. Choose coverages that make sense for your trip, and be sure to read the fine print of any policy you consider.

Travel insurance policies generally fall into one of three tiers: basic, middle-tier and comprehensive coverage.

Although basic is often the most affordable option and includes benefits such as trip cancellation and lost baggage coverage, it may require that you pay a deductible in the event of sickness or injury. According to TravelInsurance.com, a basic coverage policy costs on average $103.

Middle-tier coverage typically includes the same benefits as basic policies but adds a health insurance benefit. A mid-range policy costs on average $124.

A more expensive, comprehensive policy includes both the benefits of basic or middle-tier policies, plus other benefits like accidental death coverage. However, with a comprehensive policy, you'll likely have to pay a higher claim limit. On average, a comprehensive policy costs $162.

Because older travelers are generally at higher risk of health problems, policies tend to be more expensive the older you are. An analysis conducted by AdvisorSmith, a small business resource website, estimated that the difference between a 40-year-old’s and 70-year-old’s average cost of travel insurance may come to about $100. But that doesn’t mean older folks can’t find affordable policies; shopping around and comparing plans is key.

When to buy travel insurance

If you are concerned about severe weather upending your trip, about a possible unexpected health incident involving you or a family member, a terrorist attack, or even losing your job, travel insurance policies with basic trip cancellation coverage often cover those reasons for cancelling.

Also, be sure to check the travel restrictions for any countries you are traveling to regularly; some countries still require travel insurance in order to visit.

Meanwhile, should you book your travel through a third-party website, like Expedia or Booking.com, check what the travel insurance covers and eligibility requirements.

Furthermore, if you're traveling outside the country, it’s always a good idea to purchase some form of travel medical insurance, even if you're in good health. This way, you won't have to pay out of pocket for any medical costs in the case of an accident or emergency.

Even if you have a U.S. health insurance plan, most provide little or no coverage abroad.

When to skip travel insurance

Whether to pay for a travel insurance policy and what level of coverage you get depends on your personal risk tolerance, of course. But it also depends on whether you’ll have to pay a lot out of pocket if you have to cancel or postpone your plans.

If you’re mainly worried about losing money on costly international flights, for instance, think again before you pay to insure them. That also goes for travel insurance plans offered at checkout when purchasing a plane or train ticket.

Although it may seem like a small expense in exchange for the added flexibility, keep in mind that most airfares already have built-in flexibility.

Major U.S. airlines made permanent changes during the pandemic, allowing flexible bookings for most tickets. That means you won’t have to pay a fee if you need to change your flight — as long as you don’t buy the cheapest fares (Southwest allows free changes for all tickets).

Also, some travel providers offer flexibility on bookings made within a certain time. For instance, the major airlines and Amtrak offer a refund in the first 24 hours after a booking if you have to cancel or change your itinerary.

Also, when an airline cancels your trip — as long as the flight is arriving at and/or departing from a U.S. airport — you are legally entitled to a refund, per U.S. Department of Transportation regulations.

An airline will often automatically issue a credit or voucher for a cancelled flight, but be sure to request a refund if that is what you would prefer, as is your right. Also, if there has been a substantial schedule change (typically of two hours or more) and you decide not to take that flight, you are entitled to a refund of your fare.

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Even before the pandemic, many countries required foreign travelers to have travel insurance to gain entry. But the number of countries requiring it increased during the pandemic. Which nations impose the requirement can be a moving target and you should double-check your destination’s rules, but as of late July, these countries still require foreign visitors to have travel insurance.

Visit the State Department’s updated travel advisories for any given country and be sure to keep an eye on changing requirements as your trip approaches. Conditions can change quickly in a country; consider signing up for alerts on new travel advisories by signing up for the Smart Traveler Enrollment Program (STEP). Or check out State’s interactive map for a global view of travel advisory levels, with information on travel requirements enforced and advised for every country.

Antarctica

Antarctica requires travel insurance for all visitors, although how much coverage varies, depending on a traveller’s itinerary and tour operator. A minimum of $100,000 in evacuation and medical coverage is often required. Look for the emergency medical benefit and medical evacuation benefit in a travel insurance policy. Emergency medical coverage will reimburse travelers for the cost of medical treatment in the event of illness or injury during their trip, including physician services, ambulance expenses and other costs of medical treatment. The medical evacuation benefit pays to transport a traveler to the nearest adequate hospital, or back to the traveler’s home if the physician deems it necessary in the event of a medical emergency.

Cayman Islands

The Cayman Islands grants permission to enter the country to travelers who apply through the Cayman Islands travel portal. And a significant piece of that approval process is showing proof of a travel insurance policy that can provide coverage for COVID-19 medical expenses, or an attestation that you understand the financial implications of any potential medical costs you may incur and have the means to pay for them.

Cuba

Travelers from foreign countries must have some form of health insurance in addition to a travel insurance policy with emergency medical coverage and medical evacuation & repatriation coverage. The coverage must last for the duration of the trip. Medical evacuation & repatriation coverage pays to transport a traveler to the nearest adequate hospital in the event of a medical emergency. If the treating physician determines the traveller should return home for better treatment, it would also cover those costs. Be prepared to show proof of coverage when departing the U.S., as well as upon arrival in Cuba.

The Galapagos (Ecuador)

Ecuador requires medical travel insurance for travelers visiting the Galapagos Islands. You may be able to get a policy that offers comprehensive coverage for the same price as medical coverage alone.

Egypt

All foreigners visiting Egypt must purchase medical travel insurance, and that coverage must last for the duration of the trip.

French Polynesia

French Polynesia requires visiting travelers to purchase travel insurance with coverage for COVID-19 or to sign a declaration that they will pay all medical costs in the event of a COVID-related illness, including medical treatment, confinement or repatriation.

Russia

All travelers from foreign countries are required to have a visa for entry into Russia. Among the visa requirements is medical travel insurance, which must last for the duration of the trip to Russia. (The U.S. Embassy in Moscow currently advises against travel to Russia.)

Singapore

Singapore requires travelers who are unvaccinated for COVID to purchase travel insurance. The policy must cover any COVID-related medical expenses, such as treatment and/or hospitalization.

Turkey

Turkey requires travelers from other countries to purchase medical travel insurance in order to enter the country. The policy must provide medical coverage for the duration of the trip.

United Arab Emirates

Certain areas of the UAE, including Dubai, require medical travel insurance of some sort. To visit Dubai, for example, travelers need at least $100,000 in emergency medical coverage and at least $50,000 in medical evacuation coverage.

When Katie Knox, of East Lansing, Mich., booked a flight to Paris to visit her boyfriend over the holidays, she locked in a low fare on budget airline Frenchbee. But then her boyfriend tested positive for COVID-19 only days ahead of her planned departure, delaying her trip by 10 days. She changed her flight, but her sad saga was just beginning. Her Delta Airlines flight from Detroit to Newark, N.J., where she was connecting with her flight to Paris, was canceled, thanks to COVID-related staff shortages.

Knox had to wait a day to get another flight to Newark. She spent the night in a Detroit airport hotel and decided to book a new flight with Swiss Air from New York to Copenhagen, where her boyfriend was traveling to be with his family. She received a credit for her Frenchbee flight and booked a return flight home on Iceland Air. But that flight was canceled because of severe weather in Reykjavik. She opted for a refund instead of a new flight—but because she had booked the flight on travel aggregator Gotogate, she had to spend 10 hours on the phone, on hold and on multiple calls, trying to lock in the money. In the end she was promised the refund—which she was told could be delayed up to a year.

Welcome to travel in 2022. After two years of navigating the complexities of canceled, interrupted or delayed plans, thanks to the pandemic and its many ripples and waves, as well as severe weather, travelers endured another episode of canceled flights over the holidays. Now, many people have their sights set on traveling freely again this summer. But with COVID-related uncertainty, locking in travel itineraries may feel like wishful thinking.

Even so, travel experts are anticipating a rebound for tourism this summer, particularly in places where borders are just beginning to reopen. Many public health experts are predicting a relatively quick end to the omicron surge. And even if the virus sees a new surge from a new variant, the key to successful travel this summer will be good planning. That will include being vaccinated and getting a booster, plus packing a full-featured travel insurance policy.

Travel regulations this year are likely to shift from full-on border closures to vaccine requirements, says Melanie Lieberman, senior travel editor for The Points Guy, a travel rewards website. “We’re already seeing some destinations announce vaccination expiration dates or booster requirements,” she says.

Travel restrictions to Europe and Asia should begin to lift. And the market for flights to Europe should get competitive, says Scott Keyes, CEO and founder of travel website Scott’s Cheap Flights. As travel restrictions relax, Europe is where airlines will begin to start adding routes quickly, says Keyes, and travelers should keep an eye out for deals.

Although there may be more opportunities for international travel this summer, most vacationers will likely focus on domestic trips. “We know travelers are eager to return to their favorite destinations abroad, particularly in Europe, but until regulations and requirements for entry stabilize, many travelers will choose to stay closer to home,” says Lieberman. National parks, beaches and other outdoor-oriented destinations will be popular. But don’t expect great deals for domestic travel.

Placing bets on where to go is a balancing act of pricing and availability. Although domestic travel is the safest bet, some short-haul international destinations, such as the Caribbean and parts of Central and South America, that have been granting access with certain entry requirements should also be reliable destinations in 2022.

Air travel

Fortunately for fliers, major U.S. airlines made permanent changes during the pandemic, allowing flexible bookings for most tickets. That means you won’t have to pay a fee if you need to change your flight—as long as you don’t buy the cheapest fares. And airlines are not expected to go back on their word and change this policy anytime soon, says Keyes.

Chances are, if you’ve been traveling during the pandemic, you already have experience with this—you may even have accumulated a few flight credits from canceled trips. Be sure to read the fine print on these credits or vouchers, because not all airlines offer the same flexibility for your new booking. Pay attention to whether you are required to make your booking during a certain time frame or whether the new flight must take place during a certain time period.

For new bookings, if you want a flexible fare, avoid basic economy tickets. The cost difference between a basic economy and main cabin ticket may be low (recently as low as $20 or $30 for a $200 domestic flight), and it could be well worth paying for the upgrade if you compare that with the cost of changing your flight, which is typically $200. There are workarounds with certain airlines that offer even more flexibility. For example, if you book with United Airlines, you can later upgrade your basic economy ticket to a ticket with flight flexibility. And Southwest Airlines always offers flexibility on all tickets, no matter the price.

Requesting a flight change or credit is fairly straightforward when you book your travel directly with the airline. Once you place your request, you’ll generally be issued a credit for the full cost of the flight. Most airlines let you apply those funds to any new flight, and some, such as American and United, will even allow you to transfer your flight credit to someone else. You’ll always be on the hook for a fare difference for a new flight—unless the airline has made a special exception.

Travelers can expect continued COVID safety protocols, such as enforced mask-wearing, hand-sanitizing stations, and more contactless processes, such as scanning your own boarding pass. Don’t expect talk about vaccine requirements for domestic flights to gain any traction.

Cruises

After the cruise industry shut down in 2020, the long-awaited return to cruising in 2021 proved promising, offering a host of COVID safety protocols on many new trips. Cruise lines have been requiring vaccinations for staff and most passengers, and cruises often require negative tests as well.

But the return to cruising has had hiccups reminiscent of the crises on cruise ships at the outset of the pandemic. Many travelers who sought out cruising as a fun, safe bubble of vaccinated people over the holidays were met with disappointment when the rise of the omicron variant quickly spread. And unfortunately, because cruise lines were only required to report positive case counts to passengers after the infections reached a certain threshold, passengers were often left in the dark about just how dire the situation was. The Centers for Disease Control and Prevention issued an open-ended warning to all Americans to avoid travel on cruise trips in December, regardless of their vaccination status. It was the agency’s highest coronavirus warning.

Still, cruise industry experts are optimistic about prospects for this summer. “We’re seeing signs that the travel outlook for 2022, particularly in the summer, is strong,” says Colleen McDaniel, editor in chief of Cruise Critic, a travel website. “There’s been pent up demand for a while, bookings for 2022 are strong, and we’re hearing sentiment from cruisers that they’re anxious to get out there,” she says.

Many cruisers are looking to stay closer to home. Summer is a great time to visit Alaska, and although last year’s Alaska cruise season was cut in half, this year should have a full Alaska season, McDaniel says. Masking regulations vary by cruise line. For example, Carnival Cruise Line updated its mask requirement as omicron began to spread, requesting that all passengers age 2 and older wear a mask on board, except when eating or drinking.

Although historically cruises have rarely offered refundable fares, many cruise lines continue to be flexible about cancellations. But discounted cruise fares have been few and far between. Prices now generally match what they were in 2019. The best time to book cruises is generally from January through March and sometimes a bit into April, during what the cruise industry calls wave season. During these months, you might find a discounted booking, or packages with perks that offer deals on board, such as free drinks or Wi-Fi.

Travel aggregators

Before you book with a third-party travel provider, be sure you fully understand their policies. If you’ve been struggling to get a refund for travel you booked with a third-party provider, you may have to be patient—as Katie Knox discovered with her marathon phone calls. “Anytime a third-party provider gets involved, there’s an opportunity for the travel provider and the third party to defer to the other, which can mean a headache in terms of canceling, rebooking and getting a refund,” says Lieberman.

Kiplinger reader Kevin Shea recently wrote to us about a frustrating experience he had with Expedia. He booked a European vacation for his family of four through Expedia on American Airlines. Expedia issued credits for the flights, but this past December, when he tried to book tickets using the credits for new flights this summer, he encountered error messages online. An Expedia customer service rep told him to contact American Airlines.

American Airlines helped him book the new fares. However, because the fares were originally booked through Expedia, the airline charged a $50 rebooking fee for each of the four tickets.

You will have an easier time getting credits or refunds if you book directly with the airline rather than through a third party. And if you book a flexible fare directly with an airline using points, the points should be automatically returned to your account if you cancel, Lieberman says.

Regardless of where you buy your ticket, U.S. airlines are legally required to provide a refund if your flight was canceled or subject to a significant schedule change or delay, according to the U.S. Department of Transportation. That usually means a schedule shift of two hours or more, although the DOT does not explicitly define what constitutes a significant delay or change. And airlines are not required to issue a refund for a significantly delayed flight that you choose to take; if a flight is significantly delayed, you may want to cancel your reservation, rebook another flight and collect a refund.

Rental cars are still in short supply

If you’re renting a car in 2022, brace yourself for higher prices and longer waits at the rental counter. The industry has been rocked by shortages and price spikes since summer 2020. After the initial COVID-19 shutdowns and travel disruptions, more people rented vehicles for driving vacations or as alternatives to public transportation, but supply-chain kinks caused shortfalls in carmakers’ inventories and left rental companies with fewer vehicles. Travelers who rented a vehicle at an airport location faced a nearly 60% increase in rental-car prices between August 2020 and August 2021, according to a report from J.D. Power.

To get the best price, book as early as you can and shop several rental companies. Closer to your trip, try using AutoSlash.com, an online car-rental service that may find last-minute deals.

A number of car-rental alternatives have popped up during the pandemic. Turo, the car-sharing service now available in every U.S. state, has seen business boom. However, note that you probably can’t rely on your personal auto insurance if you’re driving a Turo car because most policies only cover you if you’re renting from an accredited car-rental company. Turo offers insurance plans that will add from 15% to 60% to the cost of your rental, depending on the level of protection.

Planning on traveling this holiday season? Undeterred by omicron and delta? Don’t be surprised if your flight, like a turkey, doesn’t take off and you have to spend an extra night or two at your destination. At the same time, expect to pay more for car rentals — if you can find them — and hotel rooms during your stay.

Our best advice is to do like the Boy Scouts and be prepared; be ready to roll with whatever happens.

“Management’s basically stuffing the holiday turkey with uncertainty, '' said Dennis Tajer, a captain and spokesman for the Allied Pilots Association union, which represents American Airlines pilots.. Tajer said the union is doing what it can to help airlines avoid another debacle such as when American canceled more than 1,200 flights over Halloween weekend, blaming bad weather and staffing shortages. But so far, he hasn’t seen evidence that the air carriers are ready.

What can you do? Fortunately, there are steps you can take to reduce the chances of your holiday travel being ruined. You can build buffers into your plans to ensure you’re where you need to be when you need to be there. You can purchase travel insurance, including some that allow you to cancel for any reason. You can get creative in finding a rental car, and you can be ready to act if your flight is grounded.

Airlines Struggle to Recover from Pandemic Slowdown

As vaccines reduce the risk of dying or being hospitalized because of COVID-19 and international travel bans are lifted, this holiday season is expected to be busy for travelers.

AAA is forecasting that 53.4 million people will travel for Thanksgiving alone, an increase of 13% from last year, bringing travel within 5% of levels in 2019 before the pandemic. The prediction means air travel is recovering almost totally from its collapse, an increase of 80% over 2020.

More than half of Americans surveyed by PwC said they plan to travel, which is more than the usual third. While most plan to go by car, 40% plan to travel by air. Going into the season, airlines are still struggling to recover from pandemic slowdowns and travel bans that gutted their business in 2020.

Airline passenger traffic fell 96% in April 2020, compared to the previous year, according to a report by the Government Accountability Office. According to information from the U.S. Department of Transportation, U.S. air travel sank in 2020 and rebounded a bit, but not completely, in 2021:

• Domestic air travel in the first eight months of 2020 was about 42% of the volume of passengers who flew in the same period of 2019. (Keep in mind that this 2020 period includes January and February, before the widespread effects of the pandemic took hold.)
• International air traffic in the first eight months of 2020 was about 31% of the same period in 2019.
• During the first eight months of 2021, which included widespread vaccination, the airlines saw about 69% of the domestic passenger traffic experienced in the first eight months of 2019.
• During those first eight months of 2021, the airlines experienced 46% of the amount of international air passengers as the same period in 2019.

Source: U.S. Department of Transportation

Airlines Face Pilot Shortage

In one small silver lining, the decreased business offered a bit of a reprieve from an existing and looming pilot shortage the industry was already experiencing. Consulting firm Oliver Wyman polled flight operations leaders in 2019, for example, and found 62% reporting a shortage in qualified pilots. before anyone ever heard of COVID-19.

But as passengers return, the pandemic has aggravated the airlines’ longer term staffing issues. DOT data show that in February 2020, just before the full wrath of the pandemic hit, the airlines had 458,229 full-time employees. At the pandemic low point, in November 2020, there were 363,324 full-time airline employees. That’s a difference of almost 95,000 employees, or more than a 20% workforce reduction. As of September 2021, the airlines had recovered some ground, with 410,836 full-time employees — still down more than 10% from pre-pandemic levels when there already was a pilot shortage.

Among the reasons for the pre-pandemic shortage were a decreasing number of pilots coming from the military and the high cost of getting trained as a pilot. Although those reasons have had a more significant impact on regional carriers than large airlines, they have not gone away.

A further complication came as an unintended consequence of measures that were intended to help airlines weather the devastation COVID brought to their business.

Federal aid meant to help keep the airlines afloat contained a provision that wound up making it difficult for the carriers to recover when business began to recover. Airlines that accepted help under the CARES Act were barred from laying off employees, according to Geoff Murray, a partner at Oliver Wyman. Consequently, many airlines shed staff by offering large-scale early retirements instead.

When conditions changed, the airlines were unable to simply recall employees, which they would have been able to do had there been layoffs. “They had to hire new people,” Murray said. This, he said, is “certainly one of the major reasons for the current, acute shortage.” But, contrary to some speculation, Murray and others interviewed for this article said reports of work shortages and slowdowns in protest of vaccine mandates are not true. Vaccine refusal, the experts said, is not a factor in pilot shortages.

Increased Demand Poses Challenges for Airlines

Airlines are hiring staff and adding flights to deal with the rush of returning business. But experts say the airlines are not keeping up with the demand and may struggle with even minor disruptions caused by weather or mechanical problems. And this time of year, weather disruptions are almost a given.

“Holiday air travel occurs in a concentrated timeframe, which adds more pressure for the airlines to accommodate the increase in demand,” AAA spokeswoman Ellen Edmonds said. “Adding unforeseen weather interruptions makes it more difficult to recover since most flights are full and there are fewer options to book travelers on alternate flights promptly. Airlines are still adding staff, so there are fewer crew members to reposition as backup, which further impacts recovery.”

“I think, relative to pre-COVID holiday travel levels, we’re going to see higher levels of flight delays and flight cancellations due to fairly widespread staffing shortages,” Murray said. The pilot shortage, he said, is causing airlines to schedule pilots to get the most productivity possible, leaving little room for schedule changes because of things like weather.

Tajer agreed that airlines are not equipped to handle disruptions in the current environment. Flights, he said, are packed. “There’s not a whole lot of space to add” passengers when another flight is canceled. He said load factors, which are a measure of open seats on a given flight, are operating at upwards of 90 percent. Before the pandemic, 80% was a common level.

“Airlines can’t add capacity fast enough,” said Jonathan Kletzel, leader of the airline and travel practice at PwC. Kletzel said amping up the number of airline flights to accommodate increased demand is a complex, time-consuming process for the carriers. Aircraft that may have been sitting idle have to be inspected and brought up to repair, for example.

Flight Prices Lower; Everything Else Costs More

In spite of all of these issues and inflation across the economy, AAA says the cost of air travel is down. “Based on AAA booking data, we find that the average airfare is 27.3% less than last year, coming in at $132,” said Edmonds. “Tuesday and Wednesday are still the most expensive and heaviest travel days with Monday being the lightest and least expensive.”

But don’t expect to save money in other areas. In fact, brace for your wallet to be walloped. For hotels, Edmonds said, mid-range rates have “increased about 39%, with average nightly rates ranging between $137 and $172 for AAA-Approved Hotels..”

How to Limit Problems Flying

With all this going on, “people can expect to wait longer to get through TSA and other travel checkpoints, especially if traveling abroad,” Edmonds said. “But with some planning, a lot of this stress can be avoided.

She advised giving yourself enough time to compensate for any issues. She also suggested having a carry-on bag fully stocked with medications, snacks and clothing that might become necessary should you have to spend the night somewhere in the event of a flight cancellation.

Still, even the best-laid plans can go south. So what to do then? According to travel insurance comparison website Squaremouth.com, when a flight is unexpectedly delayed or canceled by the airline, most policies provide benefits during the delay, “including covering the cost of food, accommodations, and local transportation. This coverage is triggered after a specified length of time, at least 3 hours.”

Coverage can also include the additional cost of transportation needed to help continue your trip as planned and the money paid in advance for things like excursions that were missed because of the disruption.

PwC’s Kletzel has some specifics that go beyond the age-old advice of check in early and arrive early;:

• Make sure you’re familiar with your airline’s digital channels — its website and mobile app. “You can get a lot done yourself through self service,” Kletzel said, noting that the airport counter has “a high probability of being a nightmare during the holidays.”
• If possible, try to reserve morning flights. “Delays tend to cascade throughout the day,” Kletzel said. If your morning flight is canceled, you have a better chance of being accommodated for another flight leaving the same day, whereas if you have an evening flight, chances are high any rebooked flight won’t be until at least the following day.
• Make sure you understand the flight-change, cancellation and refund policies of whatever you book. Make sure you know what you’re entitled to should something happen. Yes, that means reading fine print.
• Try to have a plan B if you can. If your destination is somewhere you can drive to, have a backup plan to have a car available, for example.
• Be flexible. This is something available to more people who can do their jobs virtually, especially if they don’t have to worry about kids’ school schedules. But if you can, schedule your trip to leave a couple of days before you need to be at the destination and plan to return at a less-stressful time. “If you can travel a couple of days earlier or later (than peak travel times), you’re going to have a better experience,” Kletzel said.
• If you think you’d prefer to spend downtime in the airport lounge, consider buying a day pass ahead of time. The club will sell out on a busy day, and it could make things less stressful in the event of a delay if you have a place to hang out away from the irritated crowds.
• If your credit card doesn’t give you special status with your airline, consider signing up for one that does before your trip. This could put you in a position to have a better experience in the event of a disruption.

COVID-19 has made planning ahead a gamble, especially when it comes to travel. It seems every time the virus seems to be on the wane, a new variant and maybe even a sub-variant emerges to launch a renewed attack. News and even rumors can rattle nerves and scuttle travel plans.

How do you plan to travel in this environment? Would you lose your money if you’re forced to cancel a trip?

For more and more people, the solution is to buy travel insurance for their trips in the hopes of being reimbursed should they have to change or cancel. But not all travel insurance covers all pandemic-related cancellations.

Knowing possible pitfalls can help you decide what’s best for your wallet, your ability to plan a trip and whether you should buy travel insurance.

Sometimes, travel insurance is mandatory

In some instances, it’s not even a choice. Several countries, including Costa Rica and Egypt, as well as some travel providers, like cruise lines, are requiring travel insurance in one form or another. This can be especially true for unvaccinated travelers. This ensures you won’t become stranded, unable to pay for your medical care, extended stay or evacuation should you contract or be exposed to COVID.

The limitations of standard travel insurance have expanded the appeal of a previously obscure upgrade to standard travel insurance known as “cancel for any reason” (CFAR). This option, while significantly more expensive, is more likely to cover the sort of cancellations that COVID has made commonplace.

According to travel insurance aggregator Squaremouth, Inc., travel insurance policies with a CFAR add-on typically must be purchased within two to three weeks of the first payment towards the covered trip. An exception is that certain policies that cover only cruises offer CFAR at any time before a final payment is made for a trip.

Standard travel insurance limits pandemic claims

Megan Moncrief, chief marketing officer for Squaremouth, said CFAR has become the go-to plan for more travelers, “When the pandemic hit, it became really the main piece that could offer any coverage.”

Traditional travel insurance, she explained, doesn’t cover the majority of pandemic-related claims. Moncrief said in a review done by Squaremouth, only 30% of such claims were made by people who actually contracted COVID-19 and had to cancel their trips. This is the only type of pandemic claim that would be covered by most standard travel insurance policies. The remaining 70% of claims were for other reasons, including border closures and quarantines, and thus excluded -- though generally would be covered by CFAR.

And COVID-19 continues to be a primary reason for travel insurance purchases. According to Squaremouth data, nearly 37% of all searches on its site for travel insurance cited the pandemic as reasons for coverage as recently as Jan. 28, 2022. The second most-popular search filter used on the site: Cancel for any reason at nearly 15%. In contrast, hurricane and weather were searched less than 3% of the time.

Overall demand for travel insurance has increased during the pandemic, according to AAA, which says a recent survey found that 31% of U.S. travelers saying they’re more likely to purchase it for their trips planned between now and the end of 2022. A standard travel insurance policy typically adds 5% to 10% to the cost of the trip, according to Mark Friedlander, director of corporate communications for the Insurance Information Institute. Adding CFAR on top of that will raise the cost 40% to 60%. And, depending on the policy, the payout for a CFAR claim can be as low as 50% of the loss, experts said. This marks a decrease from policies before the pandemic, which could reimburse 75% to 90% of the loss.

Moncrief said that prior to the pandemic, her company was “slow to recommend” cancel for any reason because of the expense. Then, it accounted for less than 4% of sales, she said. Now, it’s about 12% of sales, down from a high of 17% in January. AAA advises travelers to consider policies that include a CFAR component.

“Any reason” is not always “any reason”

“As a purchaser of travel insurance, make sure you understand what you are buying and what the policy covers and what the policy does not cover,” Friedlander cautioned. “No policy has 100% of everything.”

Travel insurers have made a number of adjustments in response to the pandemic. At the beginning, Moncrief said, travel policies didn’t cover medical care for pandemic illnesses. But that quickly changed, and now, if a traveler becomes ill with COVID, it’s covered.

By contrast, insurers now demand their customers first seek reimbursement from the travel service provider, such as an airline or cruise company, that cancelled before filing an insurance claim.

Sometimes, she said, an airline might want to give credit rather than reimbursement. She said insurers will encourage travelers to seek reimbursement before considering whether to provide coverage for such an event.

Friedlander noted that different insurance policies will contain different provisions, and “cancel for any reason,” doesn’t necessarily mean “any reason.” He stressed the importance of reading and understanding the provisions of a policy before purchasing it.

Moncrief gave examples of some insurers’ exclusions on CFAR policies:

iTravelInsured Travel LX, TravelSafe Classic and Seven Corners RoundTrip Choice and RoundTrip Basic all have the following language: “This Cancel for Any Reason benefit does not cover the failure of the travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.”

• Travel Insured International: WorldWide Trip Protector: “This Cancel for Any Reason benefit does not cover penalties associated with any travel arrangements not provided by retail travel supplier or the failure of retail travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.”

An alternative: travel medical insurance

Charlie Leocha, president and cofounder of Travelers United, an advocacy group, said he typically doesn’t buy standard travel insurance unless he’s planning a particularly expensive, all-inclusive trip. “If you’ve got an expensive product, it can be a good deal,” Leocha said. “All insurance is a great deal if you get sick and can’t go on the trip and that’s why you buy it.”

Leocha said he buys travel medical insurance policies each year, which cover up to six trips and up to six weeks per trip. He said his annual policies cost about $260.

These policies cover his medical needs when he is overseas and also cover his return home. For the rest of his travel, he says he self-insures. What that means is he makes arrangements that are reversible. In other words, he mostly buys refundable airline tickets or hotel reservations that can be canceled at the last minute for any reason without paying a penalty.

This can be difficult, he said, because every airline has different rules, particularly when it comes to travel credits. Some airlines require they be used in 90 days, others might give you a year or six months.

Leocha said his organization is working with the Federal Department of Transportation to implement a pandemic rule requiring airlines to all have the same rule so it won’t be so confusing for travelers. “I’ve been pusing like mad to have all the flight credits have the same expiration dates,” he said. “The airlines have been fighting us tooth and nail.”

This paid off for him recently when he was scheduled to go to Spain. A few weeks before the trip, he took a COVID test in preparation for a get-together with friends. When the test came back positive, he needed to postpone his Spain trip.

Because he wasn’t locked in by any of his arrangements, Leocha said, he was able to make the necessary changes and was only out about $50 when everything was said and done.

“Self insurance is one way to do it,” Leocha said. “Probably the most expensive way to do it is get ‘cancel for any reason’ insurance.”

Now that major U.S. airlines have announced they are permanently waiving change fees for domestic flights, should you book a trip weeks or months from now, knowing that you can rebook without paying a $200 penalty?

Airfares have been enticingly low since the pandemic derailed travel back in March. The average domestic airfare ticket for departure between now and the end of 2020 was recently $160, which is down 36% compared with a year ago, says Hayley Berg, economist for Hopper, the flight-tracking app. Berg anticipates that fares will stay down for some time.

“The likelihood of the airlines reneging on this announcement in the next five years is low,” says Scott Keyes, founder of ScottsCheapFlights.com. But you may still pay a change fee for tickets in basic economy. And for the most part, change fees still apply for international flights. American is waiving change fees to and from Canada, Mexico and the Caribbean. United is waiving change fees to international destinations through December 31, and to Mexico and the Caribbean after that.

Hotel closures, travel bans and an economic shutdown have painted a grim picture for travelers this year, and it’s going to be a long time before the travel industry begins to look anything like it did before COVID-19. But we may have hit the bottom, says Melanie Lieberman, senior travel editor for travel website ThePointsGuy.com. In other words, the worst has likely passed, and after months of staying at home, people are eager to start going places again.

“Traveling is on everyone’s mind these days—mainly because we can’t,” says Jeff D. Opdyke, editor of The Savvy Retiree, which is published by International Living, an organization for U.S. expats. Even so, in a survey released by the ThePointsGuy.com in late May, 30% of Americans said they would be comfortable taking a trip before the end of the summer. That’s a relatively high number, considering that only half of Americans planned to take a summer vacation in 2019, according to a special report accompanying the survey.

Certain kinds of travel will emerge before others. Travel for leisure will come back before travel for business, and business travel will precede group travel, says Chris Nassetta, CEO of Hilton. Warmer destinations where travelers can relax outside and feel safer against exposure to the coronavirus will be popular choices among those who do take trips in the near future. Domestic trips, particularly to U.S. national parks, will also be popular, says Lieberman.

If you’re looking to book an international trip for the holidays or for 2021, some destinations are more promising than others. South America, for ex­ample, is mainly off the list for the time being—some countries, including Brazil and Peru, have been hit hard by the pandemic, and it’s home to some of the world’s strictest travel bans. Argentina announced it would restrict travel until September, with the potential to extend the restriction. But destinations such as Iceland have made an effort to welcome tourists significantly sooner, inviting them as early as June 15 (or July 1 for travelers from the U.S.) and providing COVID-19 tests—which are required in the first phase of reopening—free upon entry.

The European Union banned most nonessential travel to EU countries by U.S. travelers until July 1; lifting of restrictions will be staggered and vary by destination. Review the travel advisories at http://travel.state.gov for any region you hope to visit to weigh the risks. And remember that few plans for reopening to tourism are set in stone; requirements for travelers from the U.S. could change. Also, a negative COVID-19 test may be a requirement to avoid a 14-day quarantine in some places, even as travel bans and mandatory quarantines are lifted.

Air travel

With demand for flying still low, fares are at record-low prices. Typically, you would begin tracking prices for holiday travel in July and book by September, says Hayley Berg, an economist for Hopper, an app that analyzes flight prices. (Using a tool such as Google Flights or the Hopper app can alert you when fares to your destination drop.)

But for now, there’s no strict time line to follow to book a flight, says Scott Keyes, of ScottsCheapFlights.com: “We’re seeing $350 flights that are usually $700 or $800.” If you’re ready to travel, he says, book when your price point comes up instead of trying to pinpoint the best time to buy a ticket. Just keep in mind that if the CARES Act expires in September, as expected, and federal government support wanes, airlines could cut back on their routes—or they may increase them, depending on consumer behavior, says Berg.

To make future bookings more palatable, airlines are offering un­precedented flexibility to travelers who want to cancel or postpone a trip. For example, tickets for flights on Delta Airlines for travel between March 1 and September 30, 2020, can be rebooked until September 30, 2022, with no change fees. Other airlines have similar policies.

Though you won’t pay a fee if you cancel your trip, you’re likely to get a credit or voucher for future travel instead of a full refund. To get a cash refund, you’ll need to wait for the airline to cancel your trip; the Department of Transportation requires all airlines, domestic and foreign, taking off or landing at a U.S. airport to issue a refund for a canceled flight. You may also be eligible for a cash refund if the airline makes a “significant schedule change,” according to the DOT. The DOT doesn’t define a significant change, but in general, you should get a refund if the schedule is altered by two or more hours, or if you’re switched from a nonstop to a connecting flight. If you’re thinking about changing your travel plans, consider waiting to do so until 48 hours before your flight. If the airline cancels or alters your flight, you can collect the cash instead of getting a voucher.

Some carriers, such as American Airlines, have also introduced a policy allowing travelers to switch flights if their plane is crowded so that they can more easily practice social distancing. Most airlines are also requiring passengers to use protective masks, which the airlines will provide to passengers who do not bring their own. Many airports have also improved their boarding and deplaning protocols to lessen crowding while entering and exiting the plane.

Hotels and vacation rentals

Travelers are likelier to trust big hotels more than small ones, given the institutionalized sanitation practices many big hotels have announced to ensure the safe reopening of their locations, says Lieberman. The Hilton hotels have partnered with the Mayo Clinic to upgrade their sanitation practices, for example. And Hilton isn’t the only hotel chain to strengthen its protocols to improve hygiene; Choice Hotels, Best Western, Omni, IHG, Four Seasons, Wyndham, Mandarin Oriental, Marriott and Hyatt have all rolled out new cleaning programs. You’re likely to find social-distancing signs, seals identifying that a room has been disinfected and Plexiglas partitions between you and the hotel staff. One of the biggest changes to look for is an emphasis on digital check-ins and contactless delivery of food and other items, says Lieberman.

Like airlines and cruise lines, hotels are offering lower rates. Reservations are largely subject to the same cancellation policies that were in place pre-COVID, but some discounted rates come with a catch. For example, sometimes the room is nonrefundable, or you may purchase a discounted gift card that could soon expire. Although the reduced prices for hotel rooms may be tempting, in some cases you may not be able to redeem your purchase, says Lieberman.

A vacation rental is a promising choice, partly because you can usually cook for yourself and not worry about social-distancing policies at restaurants. But it may be more difficult to book a short-term rental than a longer stay because many vacation-rental businesses, such as Airbnb, have instituted a buffer-period policy to space out consecutive stays. If you’re planning to rent independently of one of these vacation-rental companies, you may have to work out a plan with the property owner that meets your expectations for cleaning. You may also have to be flexible with your dates for travel and even provide proof of a negative COVID-19 test result. In some smaller islands in the Caribbean, for instance, rental safety arrangements must be worked out on a case-by-case basis. Domestically, many localities have implemented vacation-rental safety plans—in some cases banning travelers from COVID-19 hotspots from booking. Some localities in Florida, for example, have banned bookings from travelers coming from New York, New Jersey, Connecticut and Louisiana.

As they reopen, vacation rentals and hotels may offer fewer amenities; access to fitness centers, steam rooms, saunas and hot tubs may be limited. However, says Lieberman, sample-size bottles of shampoo and conditioner may permanently replace hotel shower dispensers.

Train travel

Due to reduced demand at the peak of the coronavirus pandemic, Amtrak suspended service in late March on its high-speed Acela trains in the Northeast corridor of the U.S. But as localities began to lift stay-at-home orders in May, it announced a schedule of three weekday round-trips.

All train routes in the U.S. are now operating, albeit with limited schedules, says Ted Blank, a luxury travel specialist with Travel Leaders, in Stillwater, Minn. But certain lines—such as the Rocky Mountaineer, a luxury rail tour that transverses Canada—have postponed all trips until later in the summer, he says. Even so, the future of train travel looks promising. For one thing, a new generation of the Acela high-speed trains that will reach speeds of 165 miles per hour will be introduced in 2021.

Like flights, trains have instituted more-rigorous sanitation practices. But train-ticket prices don’t fluctuate wildly the way airfares do, so you can safely buy your tickets well in advance. And Amtrak is waiving all change fees and cancellation fees for reservations made by August 31, 2020.

Cruises

Cruise lines, which have suspended all service worldwide, are working with global organizations such as the Centers for Disease Control and Prevention, the U.S. Coast Guard and the World Health Organization to implement return-to-service plans.

Because so many cruises were canceled due to the coronavirus outbreak, travelers struggled to get their money back. Going forward, a number of cruise lines have introduced new, flexible cancellation policies—some, such as Azamara Cruises, will allow cancellations as late as 48 hours prior to sailing. Such flexibility is unheard of for the industry, says Colleen McDaniel, editor-in-chief of Cruise Critic. Several cruise lines will offer flexible policies for bookings well into next year.

You’ll likely see a staggered return to service, with cruise lines slowly and strategically reintroducing ships and itineraries, says McDaniel. She says that 2021 bookings have been strong. In fact, in a recent poll among visitors to Cruise Critic forums, nearly 75% of respondents said they plan to cruise “about the same as ever” or “more than ever,” once they’re able.

In the near term, cruise lines may introduce shorter cruises, focusing on home ports people can drive to. If you want to book further out, you can snag some great deals for 2021 sailings in the Caribbean. A weeklong tropical getaway aboard the new Celebrity Edge, sailing from Fort Lauderdale with stops in Costa Maya, Cozumel and the Cayman Islands, starts at $695 and sails through March 2021. Along with lower prices and flexible cancellation policies, many cruise lines are offering more onboard perks—for example, bundling packages for Wi-Fi service and drinks.

Road trips

The COVID-19 pandemic may revive the Great American Road Trip. In­terest in journeying by car (or truck or any other vehicle) is very high, says Lieberman, especially since national parks reopened and gas prices plunged.

If you’re planning a road trip, now more than ever, preparation is key. Restaurants in some states are resuming dine-in services, but in some places you may have to depend on drive-through and take-out fare. Consider calling ahead to make reservations at hotels.

Many national parks are free to enter, and wide-open spaces are conducive to social distancing, so venturing out into the outdoors promises a relatively low-cost, low-risk travel option. For many Americans, the best way to see the country is in a recreational vehicle. Interest in renting an RV has spiked because RVs allow you to prepare meals and sleep in a safe space. Note that even with cheap gas, it might cost more than $300 to fill an RV’s 150-gallon tank, and the fuel economy is nothing to write home about. But renting an RV (if you can find one; check Outdoorsy.com or RVShare.com to rent from your location) may be more cost-effective than driving and paying for lodging if you would otherwise stay at hotels going for more than $130 to $150 a night, says Eric Simonson, a certified financial planner in Minneapolis who specializes in travel.

Pack travel insurance

Between border closures and travel bans, sales of travel insurance policies have plummeted, says Kasara Barto, of SquareMouth.com, an aggregator of travel insurance policies. The number of policies purchased through the site between April 1 and May 10, 2020, for travel in June, July or August 2020 dropped 90% compared with a year earlier.

In the wake of the pandemic, travel insurance providers have expanded coverage in some cases. For example, to be covered for any event, you must purchase a travel insurance policy before the event occurs. Although many travel insurance providers stopped covering losses related to COVID-19 as early as January 21—when the Centers for Disease Control and Prevention first issued an alert—some providers extended coverage and are still offering it for cancellation and medical benefits relating to COVID-19 on new policies. Insurers are also developing policies that will offer more coverage for some of the impacts of a future pandemic, says Barto.

Cancel-for-any-reason policies are the best option for travelers concerned about COVID-19. For example, APRIL’s Pandemic Plus cancel-for-any-reason policy offers cancellation coverage for a $2,000 trip for $117. It may make sense to look for financial-default benefits that come with some policies, in case your hotel or cruise or tour company goes bankrupt. And if you book a trip and then lose your job, you could be covered if you purchase employment-layoff coverage before your job loss, says Barto.

Be strategic as you shop travel insurance options. As long as trains and airlines offer refundable trips, you won’t need insurance for those. And your health insurance typically covers you if you stay in the U.S. Visit SquareMouth.com to see a wide range of policies.

Where to find deals

You can lock in stellar prices if you take advantage of a book-now-and-travel-later deal. For a wide variety of offerings for travel of all kinds, explore TravelZoo (www.travelzoo.com), which publishes deals from more than 2,000 travel and entertainment companies and local businesses, including restaurants and spas.

Travel auction websites such as AndrewHarperTravel.com and LuxuryLink.com let you browse hotels and travel packages.

Virtuoso (www.virtuoso.com) offers luxury hotel and travel advice and will connect you to professional travel advisers.

For air travel, check out the airlines’ websites, plus ScottsCheapFlights.com and go-to travel sites such as Kayak and Expedia. For cruises, visit ShermansTravel.com and CruiseCritic.com.

Question: I see the need for travel insurance, and some credit cards offer protection that I think is pretty comparable to what one could purchase in the marketplace. Do I still need travel insurance if I have coverage through a credit card?

Answer: The short answer is maybe not. Depending on which travel credit card you have and how expensive the trip you've booked is, the coverage you already get through your card can be enough to protect your investment.

There are limitations and exclusions that you need to be aware of so you can make the right choice about your travel insurance needs before you get on that flight.

To understand when your card's coverage might be enough and when you might need to buy separate travel insurance, let's take a closer look at some examples of how credit cards with travel insurance work.

How a credit card's travel insurance works

For an example of how your credit card might protect you if your trip goes awry, let's look at the American Express Platinum Card.

All cardholders automatically receive the following benefits just by paying for that trip with their Amex Platinum:

• Emergency medical insurance (for cardholders under 65 when traveling out of the country)
• Trip cancellation insurance
• Trip interruption insurance
• Flight delay insurance
• Baggage delay insurance
• Lost or stolen baggage insurance
• Car rental theft and damage insurance
• Hotel burglary insurance
• Travel accident insurance worth up to $500,000

While that sounds like a pretty comprehensive package of coverages, it's important to read the fine print to make sure you can use those benefits when you need them.

To have emergency medical expenses covered, for example, you need to call the card's Global Excel claims service provider before receiving any treatment (unless it's medically impossible to do so). If you get treatment first, then call after, it might not be covered.

This can be true when purchasing travel insurance directly from a provider, as well. Part of getting coverage is reading through the policy carefully to understand what's included, what's excluded and what hoops you'll need to jump through to get your claim paid out.

With credit card travel insurance, you often must try, then fail to get compensation from the airline, hotel or whichever party is responsible for the issue.

It's also worth noting that coverage often only applies to the portion of the trip paid for with the credit card in question. If you booked your flight with your Amex Platinum, that's covered.

But if you used your World of Hyatt card to book your hotel, that booking wouldn't be covered under the Amex Platinum's travel insurance.

That means you're limited to using a single card to pay for your entire trip if you want all of it to be protected by those benefits. With a separate travel insurance policy, you'd be able to use any combination of credit cards to maximize your point earning and redemption potential.

Most travel cards have limited coverage

The Amex Platinum used in the example above is a bit of an outlier. With the $895 annual fee, it makes sense that a premium travel card would offer such robust travel insurance.

But if you're using a lower-tier travel card, the benefits are likely more limited. Typically, you'll only see trip cancellation insurance and possibly lost baggage protection. Many credit cards also come with rental car insurance as a standard perk now, too.

These are definitely useful and can be more than enough coverage for shorter, inexpensive trips.

Read through the terms and conditions carefully before your trip to understand any exclusions or limitations.

Some circumstances might require extra coverage

Depending on the coverage your card offers, there are situations where you might want to look into separate travel insurance. There are some types of coverage that you can get in a separate travel insurance policy but are less commonly found in the coverage offered by credit cards. Examples include:

• Cancel for any reason. Even when a credit card includes "trip cancellation protection," this is usually limited to a narrow set of reasons, such as the airline canceled your flight or a prolonged government shutdown grounded most flights. It won't pay out if you cancel your trip because your daughter went into labor a week earlier than expected or because you changed your mind. If you think there's a risk that you might need to cancel the trip, "cancel for any reason" travel insurance can make sure you get your money back.
• Travel medical insurance: Except for premium cards like the Amex Platinum, most travel credit cards don't include any kind of supplemental health coverage. Moreover, for older travelers, you might need a separate policy if the credit card's coverage has an age limit.
• Annual travel insurance: If you travel frequently, you can get multitrip or annual travel insurance. These are longer-lasting policies that give you the comprehensive coverage of a separate policy at a lower price than you'd pay if you bought short-term coverage for each trip. At this point, it's worth comparing the cost and coverage of an annual policy with the cost and overall benefits package of a premium travel card, which might have great travel insurance and other travel perks.

Always check your credit card's travel insurance first

The bottom line is that most travel cards offer at least some degree of trip protection. In many cases, that included protection might already be enough. Even if you want more coverage than you get with your card, knowing what you've already got can help you avoid overpaying for overlapping travel insurance.

Finally, if you travel often, it's worth looking into a premium travel credit card such as the American Express Platinum card or the Chase Sapphire Reserve. The annual fees are high but the more comprehensive travel insurance and many other perks can more than make up for those fees for a frequent flyer.

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