TravelSafe Travel Insurance Review 2024

TravelSafe has been offering travel insurance plans for travelers and travel agents since 1971. TravelSafe also offers travel insurance plans for golfers.

TravelSafe’s Classic plan (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance.

TravelSafe Basic plan: This travel insurance plan has trip cancellation up to $10,000, and coverage for missed connections of $500, travel delay of $500, accident and sickness medical expense of $35,000 (primary coverage). The plan also has an emergency medical evacuation coverage of $100,000.

GolfSafe Travel Protection plans: This plan is designed for golfers who want specialized coverage for their travels. A wide range of benefits includes coverage for trip cancellation, medical expenses, emergency evacuation, baggage, golf obligation, lost golf rounds, missed connections, sports equipment rental and more. A unique “buy you a beer” (called “golf obligation”) perk will reimburse you up to $250 for beverage purchases from the clubhouse if you or a traveling companion make a hole-in-one.

Air Flight accidental death and dismemberment coverage is available with the TravelSafe Classic plan.

Extended personal protection package for the TravelSafe Classic and Basic plans reimburses you for sports equipment rentals if your own equipment is lost, damaged or delayed by a common carrier such as an airline.

Rental car damage coverage covers problems such as damage to the car due to a crash, hail, flood and other issues, and also covers car theft.

“Cancel for any reason” coverage can be added to the TravelSafe Classic plan. It reimburses you for 75% of your trip costs if you cancel for any reason not listed in the base policy. This could include reasons such as simply changing your mind or deciding you don’t like the destination country’s Covid-related entry requirements. Note that this coverage is not offered by TravelSafe in New York.

Travelers and trip	Cost per trip
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$148
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$358
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$550
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$582
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$282

See MoreSee Less

Because benefits vary among TravelSafe’s travel insurance policies, pricing varies as well. Cost generally varies by your age and trip cost. Here are examples of prices for TravelSafe’s Classic policy.

Travelers and trip	Cost per trip for TravelSafe’s Classic Plan
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$148
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$358
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$550
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$550
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$550
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$582
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$282

See MoreSee Less

TravelSafe’s travel insurance plans include access to 24/7 emergency travel assistance. A multilingual team can help with medical and travel emergencies such as:

• Lost passport recovery
• Embassy contact information
• Hotel and flight re-bookings
• Currency rates
• Local weather details
• Inoculation requirements
• Visa requirements
• Interpreter referrals

Every travel insurance plan comes with exclusions, so it’s smart to review the fine print so that you are aware of what your plan doesn’t cover. Here are some examples of exclusions for TravelSafe’s Classic plan:

• Routine physical examinations
• Routine dental care
• Elective treatments and procedures
• A mental, nervous or psychological condition or disorder unless hospitalized or partially hospitalized
• Participation in adventure or extreme activities
• Riding or driving in races
• Participation in speed or endurance competition or event
• Diving if you are not certified to dive and a dive master is not present during the dive
• Being under the influence of drugs unless administered upon the advice of a physician

The TravelSafe claims department is available Monday through Friday from 8 a.m. to 5 p.m. ET. You can file a claim online. Be sure to take a close look at what supporting documentation you need for completing the claim.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.