TravelSafe Insurance Review: Is It Worth the Cost?

TravelSafe offers two tiers of coverage — compare these to the coverage your travel credit card provides before deciding.
Carissa Rawson
By Carissa Rawson 
Updated
Edited by Meg Lee

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TravelSafe

4.0

NerdWallet rating 
TravelSafe is a good option for tight layovers, as its Classic plan includes up to $2,500 in missed connection coverage.
Compare Rates
at SquareMouth

Pros

  • Covers up to $300 redepositing points and miles on eligible canceled award flights.
  • Optional add-on protection for business equipment or sports rentals.

Cons

  • Multi-trip or year-long plans aren’t available.
insurance-product-card-logo
Compare Rates
at SquareMouth

TravelSafe

4.0

NerdWallet rating 
TravelSafe is a good option for tight layovers, as its Classic plan includes up to $2,500 in missed connection coverage.

Pros

  • Covers up to $300 redepositing points and miles on eligible canceled award flights.
  • Optional add-on protection for business equipment or sports rentals.

Cons

  • Multi-trip or year-long plans aren’t available.

Are you wondering whether or not you should buy travel insurance? There are several travel insurance companies out there offering protection from unexpected events like illness, flight cancellations and lost baggage. TravelSafe insurance is one such provider — it features a range of protections to give you peace of mind when on the road.

Let’s take a look at TravelSafe trip insurance, the types of plans it offers and how to choose the right plan for you.

What does TravelSafe insurance cover?

Both TravelSafe plans cover travel mishaps such as trip cancellation, lost luggage and missed connections. They also include some coverage for emergency medical procedures and evacuations. However, the higher-level TravelSafe Classic plan offers additional coverage, such as accidental death and dismemberment coverage and non-medical evacuation.

The amount of coverage for each benefit differs between plans, as well. And additional add-ons (such as Cancel for Any Reason coverage), can be applied to either, for additional fees.

TravelSafe travel insurance plans and costs

Before you purchase travel insurance, you’ll first want to decide what type of plan you need. There are multiple types available depending on what you’re doing, where you’re going and how much coverage you want.

TravelSafe insurance offers two different plan types: Basic and Classic. Both of them only cover single trips; the company doesn’t sell multi-trip or year-long plans.

TravelSafe Basic

The TravelSafe Basic plan offers a lower level of protection than the company’s more expensive option, TravelSafe Classic.

To get an idea of the cost and coverage you’d get with a TravelSafe Basic plan, we put in a search for a 32-year-old woman going on a two-week trip to multiple countries. The total estimated trip cost was $4,500.

The TravelSafe Basic plan came back with a total cost of $177 and included trip cancellation coverage up to $10,000, trip delay reimbursement, baggage delay coverage, and $35,000 for emergency medical, among other benefits.

🤓Nerdy Tip

TravelSafe also offers medical insurance-focused plans through a partnership with Trawick International. These plans are much cheaper than the Basic or Classic options but lack some of the other plans’ benefits.

TravelSafe Classic

As the higher tier of travel insurance, TravelSafe's Classic plan includes greater benefits than TravelSafe Basic. Using the same search parameters, the total cost for a TravelSafe Classic plan came out to $234 — $57 more than the Basic plan.

However, with this level of coverage, policy holders get trip cancellation of up to $100,000, as well as $100,000 worth of emergency medical and $2,500 worth of coverage for lost luggage. This can be a smart plan to purchase if you are traveling with expensive items in your suitcases, such as photography equipment or jewelry.

The two plans compared

The coverage levels vary pretty significantly between TravelSafe's Basic and Classic plans, although the price difference between the two isn’t huge.

Here are some of the most important differences in coverage levels between the two plans:

TravelSafe Basic coverage levels

TravelSafe Classic coverage levels

Trip cancellation

100%, up to $10,000.

100%, up to $100,000.

Trip interruption

100% of the trip cost.

150% of the trip cost.

Missed connection

$500.

$2,500.

Baggage delay

$100.

$250.

Lost luggage

$500.

$2,500.

Emergency medical

$35,000.

$100,000.

Emergency evacuation and repatriation of remains

$100,000.

$1,000,000.

24-hour accidental death and dismemberment coverage

N/A.

$25,000.

Non-medical emergency evacuation

N/A.

$25,000.

COVID-19 coverage

Yes.

Yes.

Which TravelSafe insurance plan is best for me?

As we mentioned above, there are different types of coverage available based on your needs. Before you make a purchase, be sure to consider all your options.

  • If you’re going on a simple, short round trip: TravelSafe Basic might be good enough option.

  • If you’ll be going on adventurous or longer trips: Consider the TravelSafe Classic, which offers way more coverage for not that much more.

  • If you have a premium travel card (e.g., the Chase Sapphire Reserve®): These cards often offer some trip cancellation and trip interruption coverage, so the TravelSafe Basic option might be enough.

Consider optional add-ons

TravelSafe’s insurance also offers the ability to add extra coverage. This includes rental car insurance, Cancel For Any Reason insurance (CFAR), and accidental death and dismemberment coverage during flights.

See if you have existing coverage

Many credit cards offer travel insurance as a benefit. This insurance is complimentary and automatic as long as you have paid for your travel with your card. While coverage will vary depending on the card you use, you’ll commonly see credit cards cover rental car insurance, trip cancellation insurance, emergency medical insurance and lost luggage insurance.

Before buying any travel insurance plan, check your credit card benefit guides to see what they may already cover.

Can you buy a TravelSafe plan online?

Yes. The first step to buying a TravelSafe plan is navigating to its website at travelsafe.com.

From the homepage, you’ll want to select the blue box that says “Get a Quote.” You’ll then be taken to a page asking for your personal information, including dates of travel, age and state of residence.

After you’ve filled in the information, you’ll be presented with quotes for both of TravelSafe’s plans. Once you’ve chosen a plan, you’ll go through the checkout process to purchase your travel insurance.

What isn’t covered by TravelSafe?

If you’re the type of person who likes to hang out in restaurants and visit museums during your vacation, it’s likely your travel insurance will cover you if something unexpected happens.

However, if you tend to find yourself doing more extreme activities, like skydiving or scuba diving, you’ll want to give the fine print of your travel insurance a closer look. Most plans have specific exclusions for high-risk activities, in addition to acts of self harm and other designated events.

TravelSafe travel insurance, recapped

TravelSafe’s two travel insurance plans offer comprehensive coverage for when you’re away from home. Compare the benefits of each before deciding on a purchase — and be sure to double-check whether you already have existing coverage from a travel credit card.

Frequently asked questions

The answer to this question will depend on what type of traveler you are and the kind of trip you’re taking. Do you have a credit card with insurance that seems sufficient, or would you like extra coverage? Either way, it’s a personal decision — you should do whatever gives you peace of mind.

Yes, TravelSafe offers both trip and medical insurance. You’ll want to check out TravelSafe reviews and read up on its plan benefits to decide which coverage level is appropriate for your needs.

Although TravelSafe has just two plans, prices vary based on the trip you’re taking. Factors that may affect the cost of your insurance include the length of your trip, how much it costs, your destination, and whether or not you include any add-on coverage.

Yes, TravelSafe offers international travel insurance. There are two types of products offered by the company, with varying levels of coverage; read TravelSafe insurance reviews to help decide which plan suits you.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

1x-10x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Points

Intro offer

75,000

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

75,000

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Points

Intro offer

85,000

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Points
See more cards
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