Travel TipsAugust 7, 20253 min read

Travel Insurance Guide: What You Need and How to Choose

Everything you need to know about travel insurance. Coverage types, when you need it, top providers, and how to file a claim.

G
Go-Via Team

Travel Insurance Guide: What You Need and How to Choose

If any of these apply, yes: your trip costs more than you can afford to lose, you are traveling internationally, you have a medical condition, you are doing adventure activities, or you are visiting countries with expensive healthcare. A 200 USD policy can save you from a 50,000 USD medical bill abroad.

Types of Coverage

  • Trip cancellation -- reimburses non-refundable costs if you cannot go
  • Medical emergency -- covers hospital visits, ambulance, and medication abroad
  • Emergency evacuation -- helicopter rescue, medical flights home (can cost 100,000+ USD without insurance)
  • Baggage loss/delay -- reimburses essentials if your bags are lost
  • Trip delay -- covers hotel and food if your flight is significantly delayed
  • Top Providers for 2026

  • World Nomads -- best for adventure travelers and backpackers
  • Allianz Global Assistance -- reliable mainstream option
  • SafetyWing -- subscription model ideal for digital nomads
  • Battleface -- customizable plans for specific risks
  • Credit card insurance -- check your card benefits first (Chase Sapphire, Amex Platinum offer solid coverage)
  • What to Look For

  • Medical coverage of at least 100,000 USD (250K+ for the US or remote destinations)
  • Emergency evacuation coverage of at least 300,000 USD
  • Coverage for your specific activities (some exclude skiing, diving, or motorcycles)
  • Cancel for any reason (CFAR) add-on if flexibility matters
  • 24/7 emergency assistance hotline
  • How to File a Claim

  • Document everything with photos and receipts
  • Get a written report from police (theft), doctor (medical), or airline (baggage)
  • File your claim as soon as possible, ideally within 30 days
  • Keep all original documents
  • Be honest and thorough in your claim description
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