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Travel Insurance for a Multi-Destination Vacation: 2024 Guide

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Multi-destination travel insurance can protect your investments by covering each location on your itinerary with one policy versus multiple. Whether you’re considering backpacking through Asia or taking a cruise across the Mediterranean, travel insurance for a multi-destination vacation is worth considering for peace of mind in case of trip interruptions.

Read on to learn more about what to consider when choosing travel insurance for a multi-destination trip.

Benefits of Multi-Destination Travel Insurance

Opting for multi-destination travel insurance for your next trip can cover nonrefundable and prepaid trip costs, valuables and personal effects across each destination you visit. We’ve highlighted the main benefits of choosing a multi-destination travel insurance plan for your next trip below.

Easier Shopping Process

By only having one policy for your multi-trip plans, especially if you’re traveling with family members or travel companions, you compare quotes for one centralized policy rather than multiple at a time. As a result, you can more closely review one plan rather than buy several single-trip plans to cover each location on your list.

Offers More Convenience

A multi-destination trip insurance plan covers all your destinations under one policy so you don’t have to concern yourself with purchasing multiple policies for one trip. You can also file claims through one policy, rather than having to worry about navigating multiple at a time.

You Don’t Have To Change Your Itinerary

You will not have to make any sacrifices to your itinerary with a multi-destination trip. If you want a beach break, safari and cultural retreat to the heart of a capital city, you can choose all three and have peace of mind with multi-trip travel insurance.

Coverage Options for Multi-Country Travel Insurance

A multi-destination policy should include the same protections as standard travel insurance, whether you choose single-trip coverage or an annual plan for frequent travelers. We’ve detailed what multi-destination policies typically cover below:

Trip Cancellations, Interruptions and Delays

Trip cancellation coverage offers reimbursement of nonrefundable, prepaid costs if your trip gets canceled for a covered reason, typically before departure. Trip interruption coverage will reimburse costs if your trip is cut short due to an incident outlined in your insurance policy, such as a flight delay. In both cases, you would receive partial or full reimbursement for flights, accommodations or other costs.

Travel delays coverage offers protection if you miss booked transport for reasons outside your control, including flight connections. Often if you experience a trip delay, your insurance providers may reimburse you for lost costs plus additional expenses incurred due to the interruption. For example, your provider may pay for food or lodging you book while delayed, or cover the cost of a new airline ticket.

Cancel For Any Reason Coverage

Also known as CFAR, cancel for any reason coverage allows you to cancel your trip for reasons outside those specified in your travel insurance plan. You will receive a refund of any prepaid costs up to a certain limit, as outlined in your policy. Providers often set a minimum period of time in which you can use CFAR coverage to receive a refund.

Most standard insurance policies do not automatically include CFAR coverage, but rather offer it as a policy add-on for extra money.

Emergency Medical Coverage

Multi-destination insurance with travel medical coverage will help cover the cost of emergency medical expenses you incur while traveling. Covered costs may include the following:

• Emergency medical expenses, such as staying in a medical facility, ambulance fees or emergency assistance
• Medical care or treatment for an injury or illness
• Emergency medical evacuation coverage
• Repatriation of remains

Insurance providers may also offer add-on coverage for accidental death and dismemberment. Keep in mind that U.S.-issued health insurance may not work on an international trip. Without travel insurance, you would have to cover health care expenses out of pocket.

Lost, Damaged or Delayed Baggage

Baggage coverage is included in multi-destination insurance plans to offer reimbursement if your luggage is lost, damaged or delayed. Your policy will allow reimbursement up to a certain limit, which will vary depending on the insurance plan you select.

Other Travel Insurance Benefits

In addition to standard protections, more comprehensive policies may include other coverages such as rental car damage, travel assistance services and sporting gear rentals. While some policies include extra coverage in the total cost, other companies may offer benefits as policy add-ons.

Factors To Consider When Choosing Multi-Destination Trip Insurance

There are a few factors to consider when shopping for multi-destination trip insurance to ensure a policy is well suited to your travel needs and budget.

Check the Coverage You Already Have

Before purchasing travel insurance, check your credit cards and health insurance to see what coverage you already have. Some credit card companies offer levels of travel insurance and your health insurance plan may extend abroad. You may be able to save money by utilizing existing coverage rather than purchasing a comprehensive travel policy.

Trip Details

Where you are going and for how long can impact the type of travel insurance you need. Be sure to include travel days so the whole length of your trip is included in your travel insurance plan. You may also need specific protections based on your destinations and what you plan to do. For example, you may want a policy with rental car coverage if you plan to rent a vehicle.

Pre-Existing Medical Conditions

Many travel insurance plans may not cover treatments related to pre-existing medical conditions. However, your provider may offer a waiver if you declare pre-existing conditions within a certain time frame after purchasing travel insurance. Obtaining the right level of medical coverage is important in the event you have to file a claim, notably for senior travelers with pre-existing conditions.

Coverage Limit and Exclusions

Usually travel insurance plans include a maximum amount the provider will payout for each covered item. For example, your policy may include $1 million in emergency medical benefits and $500 for baggage loss. It is best to consider the amount of coverage you may need and select a plan that offers those limits. However, higher levels of coverage may cost more than standard policies.

Exclusions refer to anything your travel insurance does not cover, such as injuries related to extreme sports. Review your travel insurance policy documents to ensure you know about coverage exclusions and can purchase additional coverage if necessary.

Deductibles

Like with most insurance products, a deductible is the amount you will have to pay before your travel insurance provider will payout claims. Deductible amounts can range from hundreds to thousands of dollars, so it is an important factor to consider when choosing a policy. For example, you may have a $500 deductible for lost luggage. Make sure you select a deductible amount you can afford if you have to file a claim.

How Much Does Multi-Destination Travel Insurance Cost?

To help you understand travel insurance costs, we requested quotes from multiple providers for both multi-destination and single-destination costs. You can also explore cheap travel insurance policies if you are on a budget.

As you’ll notice, international travel insurance for multi-destination trips is slightly more expensive than single-trip coverage . Based on our quotes, the difference in price between the two types of insurance is between $10 to $16, depending on the provider

We based the below quotes on a two-week single trip to Italy and a two-week multi-destination trip to Italy and another European destination for a 33-year-old traveler. Quotes reflect the cheapest option of travel protection for each travel insurance provider. Your cost may vary based on your home country and specific trip details.

Backpackers vs. Annual Multi-Destination Travel Insurance

You may encounter travel insurance for backpackers versus annual multi-destination travel insurance in your search for a policy. While both coverages can protect travel to multiple destinations, there are distinct differences between the two.

Backpacking typically involves weeks or months of continuous travel and carries its own set of unique risks. If you plan to trek through remote areas abroad, we suggest you consider a plan that offers generous payouts for medical emergencies. Note that backpacker travel insurance will not cover things such as wear and tear on your sports equipment, extreme sports and other activities not explicitly named in your policy, or backpacking treks through high-risk destinations.

As the name suggests, annual travel insurance covers multiple trips over a period of time, typically up to 12 months. It’s ideal for people who travel frequently but return to their home base between adventures. High coverage limits for trip delays , interruptions or cancellations are often a high priority for those needing this type of insurance.

Multi-destination single-trip travel insurance functions the same as regular travel insurance, but you select multiple countries when you’re signing up for coverage. Some providers don’t require you to include countries you’re going to be in for less than 24 hours.

Tips for Finding the Right Multi-Destination Travel Insurance

The following tips can help travelers find the best coverage for their multi-destination trip:

Research Travel Insurance Providers

A good starting point before choosing a travel insurance plan is to research what options are available to you. You may find several insurance providers that offer plans to travelers across the globe or smaller companies based in your local area. Don’t discount available options before learning more about each company and the services offered.

Read Customer Reviews

There are multiple platforms and resources available online to help you evaluate travel insurance providers for multi-destination vacations. You can check whether an insurance provider is reputable by consulting platforms like the Better Business Bureau and Trustpilot. Consulting online reviews and business service scores can help you form an opinion about each provider and better understand the customer experience.

Make Sure You Have Enough Coverage

As previously mentioned, trip protection will have varying coverage limits that apply to each component of your insurance policy. Therefore, you should choose a plan that offers adequate coverage for your trip. For example, if you plan to travel with expensive items in your luggage, opt for a plan with a higher baggage coverage limit. Or you can select a policy that includes extra valuables coverage.

Is Multi-Destination Travel Insurance Worth It?

Multi-destination vacations are a great way to explore multiple countries, cities and cultures all in one trip. With multi-destination insurance, you can cover a trip to more than one destination under one central policy. Based on our research, multi-destination insurance costs between $62 to $83, which is only $10 to $16 more than single-trip policies.

While there are multiple considerations to make when choosing travel insurance coverage, investing in trip protection can be worth it . Frequent or business travelers may also opt for annual travel insurance coverage, which includes a set number of trips per year.

Frequently Asked Questions About Multi-Destination Trip Insurance

Does single-trip travel insurance cover multiple destinations.

In short, yes. It is possible to cover multiple destinations under a single-trip travel insurance policy as long as you visit each location within the duration of your policy. If you’re traveling for a set amount of time, no matter the number of destinations, it is still considered one trip.

Is buying comprehensive travel insurance worth it?

Comprehensive travel insurance can be worth it if you require a higher level of coverage and the price fits your budget. A comprehensive policy will likely be more expensive due to having fewer coverage exclusions, unique benefits, higher limits and lower deductible options.

Does travel insurance cover trips to every country?

Travel insurance companies offer coverage to travel to almost every country in the world. However, providers may issue exclusions if a country is in a state of war or has high terrorism risks. Some countries also require travel insurance as a condition to enter as a visitor.

Depending on the travel insurance provider, you can specify coverage for select countries or will receive coverage for an area or continent, such as South America.

Can I purchase travel insurance during my trip?

Most travel insurance companies do not allow you to buy coverage after departure. Generally, each policy provider will have different requirements about how late you can book your insurance. Some providers — such as Allianz — may allow you to purchase last-minute insurance if your trip has already started. Most companies recommend buying travel insurance before your trip begins so you have coverage in the event of an emergency.

Do I need coverage if I’m making a stopover and not leaving the airport?

It depends on the travel insurance company. Most providers will cover a person during layovers if you do not leave the airport. However, if you have a long layover and plan to use it for sightseeing, you’ll need to include the layover location when listing your destinations on a travel insurance policy.

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Multi-Trip Travel Insurance: One Policy That Covers Every Trip for a Year

You don't have to buy travel insurance each time you go somewhere. You can buy it annually. Here's what multi-trip insurance is, how it works, and how to tell if it's the economical choice for you.

By Jason Cochran

Last updated: August 13, 2024

For years you've heard it drilled into your brain: Always buy travel insurance for major trips.  But even minor trips may involve big problems. 

Airlines and airports are halting operations without warning , political skirmishes are changing the landscape of no-go destinations , and, oh yeah, you could still get sick with Covid when you're scheduled to travel.

Given how unreliable travel has become and how easy it is to get stranded between point A and point B, our new travel insurance advice could very well be simplified to three words: Always have it . 

There's actually a type of travel insurance that you only have to buy once a year. Multi-trip insurance will cover you, no matter where you go, for the length of the policy's validity period, which is usually a year.

Buy this type of insurance once, and you'll be covered for all your trips for a full 12 months. 

Does multi-trip travel insurance save money?

That's something you have to calculate based on who you are and what your travel habits are.

"The cost of single-trip products are often based on two factors: the age of the traveler and the cost of the trip," said Daniel Durazo of Allianz Travel Insurance , one of the largest players in the business. "So as those factors go up or down, so does the cost of travel insurance."

According to Durazo, single-trip policies often cost between 5% and 10% of the total cost of a trip.

On the other hand, annual multi-trip policies are usually offered at a flat rate, "meaning your cost may not increase with age and trip cost," Durazo said.

Once you possess multi-trip coverage, you don't have to report each trip you take to your insurer, like you do with single-trip policies. You're simply covered for the year, no matter where you go.

All of the insurance industry experts we spoke to estimated that you'd need to take at least three to five trips in a year for the expense of a multi-trip policy to be worth it. 

Can I travel all year with a multi-trip policy?

You can take multiple trips, but you can't remain on the road for months at a time. With an annual policy, coverage for each trip will expire after a maximum number of permitted days.

Lynn Pina of Pennsylvania-based GeoBlue , which sells annual travel insurance products, says that "most policies [only] cover trips up to 30 days [apiece]." (However, one of the company's premium products, GeoBlue Trekker, will cover trips lasting up to 70 days.)

After time's up on a trip, travelers on an annual plan will have to return home and then leave again for the clock to reset for the next trip. If you can't get home in between journeys, many insurers will also sell you add-on plans to cover the extra days.

Consequently, multi-trip insurance is better for leisure or business travelers and not designed for expats or long-term backpackers. 

How can I compare single-trip travel insurance policies vs. multi-trip policies?

You don't have to track down a bunch of insurers to compare prices. That can be done quickly.

There are several one-stop online insurance marketplaces where you can plug in your details to see what numerous companies will offer.  InsureMyTrip ,  Squaremouth , and QuoteWright  have all been in business for many years. Check those and you'll be able to survey the major players and compile a thorough list of options. 

Those websites can also handle quotes for multi-trip insurance, so you won't have far to go to compare prices and inclusions.

Will multi-trip travel insurance cover trip cancellation?

Not automatically. You have to make sure you buy a policy that has trip cancellation coverage. For example, Allianz's most affordable option, AllTrips Basic , will not cover cancellation, but the company's upgraded policies, like AllTrips Premier , do cover cancellation. 

If you want the ability to decide unilaterally that you don't want to take a trip you bought, you must ensure that  Cancel for Any Reason (called CFAR) coverage is part of your policy. Not all insurance offerings automatically include a CFAR clause. 

Some upper-tier multi-trip plans will also cover everyone in your household, even if you travel separately. Maybe you can split costs with family members.

Will multi-trip travel insurance cover lost luggage?

Multi-trip policies tend to cover baggage loss, but only for a small amount and only for checked baggage.

That might not be a deal-breaker, though, because many credit cards automatically include such protection if you pay for travel with them. You might already have free baggage coverage.

Will multi-trip travel insurance cover rental car insurance?

That's another thing your credit card may already cover, but many multi-trip policies still throw it in. All of Allianz's annual plans do, and the coverage is good for $45,000 in rental car collision damage.

Will multi-trip travel insurance cover medical expenses?

Not all annual policies do. Some require Americans to have primary medical insurance back home and will only deal with medical situations that are classified as emergencies.

"The benefits of these plans vary but most typically cover medical expenses, trip interruption, and medical evacuation costs," said Pina of GeoBlue. "Some may even cover preexisting conditions for medical services and medical evacuation."

You just need to seek out the specific medical coverage for your needs.

"If your prepaid costs for an international trip are for items that can be rescheduled [for free], like airline tickets, consider a travel medical plan that provides coverage for medical expenses that will not be covered by your domestic health insurance," said Pina.

Even if your policy offers limited medical inclusions, make sure it at least includes Covid-19 coverage and access to a doctor around the clock via a telehealth service. 

How often must I travel to make multi-trip travel insurance worth the money?

You may also like:  Frommer's 8 Great Travel Insurance Providers You may also like:  How to Tell If You Need Travel Insurance, Based on the Type of Vacation

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Single Trip Vs. Multi-Trip Travel Insurance: Which Is Better?

Published: October 13, 2023

Modified: December 28, 2023

by Federica Schram

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Introduction

When it comes to travel insurance, there are various options available to protect yourself and your belongings while on the go. Two popular choices are single trip insurance and multi-trip insurance. Understanding the differences between these options can help you make an informed decision based on your specific needs and travel habits.

Single trip travel insurance, as the name suggests, provides coverage for a single trip or vacation. It typically offers comprehensive protection against a range of unexpected events such as trip cancellation or interruption, medical emergencies, lost baggage, and travel delays. This type of insurance is designed to offer peace of mind for a specific journey, whether it’s a weekend getaway or an extended holiday.

On the other hand, multi-trip travel insurance, also known as annual travel insurance or annual multi-trip insurance, is designed for frequent travelers who embark on multiple trips throughout the year. This type of insurance provides coverage for an entire year, allowing travelers to take unlimited trips within a specified time frame. It offers the convenience of not having to purchase separate insurance policies for each trip.

Now that we have a basic understanding of single trip and multi-trip travel insurance, let’s explore the coverage comparison between the two and examine the pros and cons of each option. By weighing these factors, you can determine which type of insurance is better suited to your travel needs and budget. So, let’s dive in and discover the differences between single trip and multi-trip travel insurance.

Definition of Single Trip Travel Insurance

Single trip travel insurance provides coverage for a single journey or vacation. It is designed to protect you against unexpected events that may occur during your trip, ensuring that you have financial security and assistance when you need it most. This type of insurance covers a wide array of risks, including trip cancellation or interruption, medical emergencies, lost baggage, and travel delays.

When you purchase single trip travel insurance, you are essentially buying coverage for a specific period of time, usually from the time of departure until the time of arrival back home. The coverage typically starts on the day you leave your home country and ends on the day of your return. It is important to note that the duration of coverage may vary depending on the policy and the insurance provider.

Single trip travel insurance offers flexibility in terms of trip duration. Whether you are planning a short weekend getaway or an extended holiday, you can choose a policy that suits your needs. The coverage can be tailored based on various factors, such as the destination, the length of the trip, and any specific activities or sports you plan to engage in during your travels.

One of the key advantages of single trip travel insurance is that it allows you to customize your coverage based on your specific requirements. You can choose the level of coverage you need for medical expenses, trip cancellation or interruption, and baggage loss or delay. This flexibility ensures that you are not paying for coverage that you do not need.

While single trip travel insurance provides comprehensive coverage for a specific trip, it does have its limitations. Once your trip is over and you have returned home, the coverage under a single trip policy ends. If you plan to take additional trips within the same year, you will need to purchase separate insurance policies for each trip. This can be a disadvantage for frequent travelers who embark on multiple trips throughout the year.

Now that we have a clear understanding of single trip travel insurance, let’s explore the definition of multi-trip travel insurance and compare the coverage and benefits it offers.

Definition of Multi-Trip Travel Insurance

Multi-trip travel insurance, also known as annual travel insurance or annual multi-trip insurance, is a type of coverage that provides protection for multiple trips within a specific time frame, usually one year. With this insurance, travelers can enjoy the convenience of having continuous coverage for all their trips without the need to purchase separate policies for each journey.

Multi-trip travel insurance is designed for frequent travelers who embark on multiple trips throughout the year, whether for business or leisure. Instead of buying insurance for each trip individually, you can opt for an annual policy that covers all your travels during the specified period. This eliminates the hassle of repetitive insurance purchases and saves you time and effort.

The coverage offered under a multi-trip insurance policy usually includes similar benefits as single trip insurance, such as trip cancellation or interruption, emergency medical expenses, baggage loss or delay, and travel delay. However, the coverage limits and terms may vary among insurance providers, so it’s important to carefully review the policy details.

One of the key advantages of multi-trip travel insurance is cost-effectiveness. If you are a frequent traveler, purchasing individual insurance policies for each trip can significantly add up in terms of premiums. With an annual policy, you pay a single premium that covers multiple trips, potentially saving you money in the long run.

In addition to cost savings, multi-trip travel insurance offers convenience and peace of mind. Once you have the policy in place, you can travel freely without worrying about insurance arrangements for each trip. This is particularly beneficial for business travelers or individuals who have a busy travel schedule throughout the year.

While multi-trip travel insurance provides coverage for multiple trips, there are usually limitations on the duration of each trip. Most policies have a maximum trip duration, which can vary from 30 to 90 days. If you plan to take longer trips, you may need to consider other insurance options or purchase additional coverage for those specific journeys.

Now that we understand the definition and benefits of multi-trip travel insurance, let’s compare the coverage and advantages of single trip and multi-trip insurance to help you make an informed decision based on your travel needs.

Coverage Comparison between Single Trip and Multi-Trip Insurance

When it comes to the coverage provided, there are some key differences between single trip travel insurance and multi-trip travel insurance. Understanding these differences can help you choose the option that best suits your travel needs and preferences.

1. Trip Duration: In terms of trip duration, single trip insurance offers coverage for a specific trip or vacation, typically starting from the time of departure until the time of return. On the other hand, multi-trip insurance covers multiple trips within a specified time frame, usually one year. However, there is usually a limitation on the duration of each trip under a multi-trip policy.

2. Cost: The cost of insurance can vary between single trip and multi-trip options. Generally, single trip insurance tends to be cheaper as you are only paying for coverage for one specific trip. Multi-trip insurance, while more expensive upfront, can be cost-effective for frequent travelers who take multiple trips throughout the year, as it eliminates the need to purchase separate policies for each trip.

3. Frequency of Travel: The frequency of your travels plays a crucial role in determining the type of insurance that is more suitable for you. If you only take one or two trips a year, single trip insurance may suffice. However, if you travel frequently, whether for business or leisure, multi-trip insurance offers the convenience of ongoing coverage for all your trips without the need to repeatedly purchase insurance.

4. Customization: Both single trip and multi-trip insurance policies can be customized based on your specific needs. You have the flexibility to choose the level of coverage for medical expenses, trip cancellation or interruption, and baggage loss or delay. This allows you to tailor the policy to match the activities and destinations of your trips.

5. Coverage Limitations: It’s important to carefully review the terms and conditions of both types of insurance to understand any coverage limitations. For single trip insurance, the coverage ends once you return from your trip. Multi-trip insurance has limitations on the duration of each trip, typically ranging from 30 to 90 days. If you plan to take longer trips, you may need to consider other insurance options.

6. Additional Benefits: Alongside the core coverage, both single trip and multi-trip insurance policies may offer additional benefits. These can include coverage for adventure activities, emergency medical evacuation, rental car insurance, and 24/7 assistance services. It’s important to assess these additional benefits and their relevance to your travel needs when comparing the two options.

By understanding the coverage comparison between single trip and multi-trip travel insurance, you can make an informed decision based on your travel frequency, trip duration, and budget. Consider your unique needs and preferences to select the option that provides the most comprehensive coverage and peace of mind for your journeys.

Pros and Cons of Single Trip Travel Insurance

Single trip travel insurance offers several advantages and disadvantages that are important to consider when choosing the right insurance option for your specific trip. Let’s explore the pros and cons of single trip travel insurance:

• Comprehensive Coverage: Single trip insurance provides comprehensive coverage for a specific trip or vacation. It typically includes protection against trip cancellation or interruption, medical emergencies, lost baggage, and travel delays.
• Flexibility: With single trip insurance, you have the flexibility to customize the coverage based on your specific needs, such as the destination, trip duration, and planned activities.
• Affordability: Compared to multi-trip insurance, single trip insurance tends to be more affordable, especially if you only take one or two trips per year.
• No Ongoing Commitment: Single trip insurance allows you to purchase coverage for a single journey without any long-term commitment. This is beneficial if you don’t travel frequently and prefer to assess your insurance needs on a trip-by-trip basis.
• Specialized Coverage: Single trip insurance offers the opportunity to add specialized coverage options, such as for adventure activities or pre-existing medical conditions, ensuring that you are adequately protected for your specific travel requirements.
• Limitation to a Single Trip: The primary limitation of single trip insurance is that it provides coverage for a specific journey only. Once your trip is over, so is your coverage. If you plan to take additional trips within the same year, you will need to purchase separate insurance policies for each trip.
• Higher Costs for Frequent Travelers: For individuals who travel frequently, the costs of purchasing single trip insurance for each trip can add up. In such cases, multi-trip insurance may be a more cost-effective option.
• Inconvenience of Repeated Purchases: Buying insurance for each trip individually can be time-consuming and inconvenient. It requires researching and purchasing a new policy before every journey, which can be a hassle, especially for frequent travelers with busy schedules.
• Limited Trip Duration: Some single trip insurance policies have limitations on the duration of each trip. If you plan to take extended trips, you may need to explore other insurance options or purchase additional coverage.

Understanding the pros and cons of single trip travel insurance will help you determine if it is the right choice for your specific travel needs and circumstances. Consider the frequency of your travel, trip duration, budget, and the level of coverage you require to make an informed decision.

Pros and Cons of Multi-Trip Travel Insurance

Multi-trip travel insurance, also known as annual travel insurance, offers several advantages and disadvantages that are worth considering when deciding on the best insurance option for your frequent travels. Let’s explore the pros and cons of multi-trip travel insurance:

• Continuous Coverage: With multi-trip travel insurance, you have ongoing coverage for all your trips within a specified time frame, usually one year. This eliminates the need to purchase separate policies for each trip and provides peace of mind for your frequent travels.
• Cost Savings: For frequent travelers, multi-trip insurance can be more cost-effective compared to purchasing individual insurance policies for each trip. By paying a single premium for the entire year, you may save money in the long run.
• Convenience: Multi-trip insurance offers convenience and time-saving benefits. Once you have the annual policy in place, you can travel freely without the hassle of repeatedly buying insurance before each trip.
• Flexible Trip Duration: While there are limitations on the maximum duration of each trip, multi-trip insurance provides flexibility for trips within the specified timeframe. This is beneficial for individuals who take shorter trips throughout the year.
• Additional Benefits: Many multi-trip insurance policies offer additional benefits, such as coverage for adventure activities, emergency medical evacuation, rental car insurance, and 24/7 assistance services. These extras can enhance your protection and support during your travels.
• Higher Upfront Cost: Compared to single trip insurance, multi-trip insurance tends to have a higher upfront cost. This may deter individuals who do not travel frequently or have a limited travel budget.
• Limited Trip Duration: Most multi-trip insurance policies have limitations on the duration of each trip, often ranging from 30 to 90 days. If you plan to take longer trips, you may need to explore other insurance options or purchase additional coverage.
• Coverage Restrictions: Depending on the policy, multi-trip insurance may have coverage restrictions, such as limitations on certain activities or destinations. It is important to review the policy details to ensure that your travel needs are adequately covered.
• No Customization for Each Trip: With multi-trip insurance, the coverage is standardized for all your trips within the specified time frame. You may not have the same level of flexibility to customize the coverage based on the specific needs of each trip.
• Potential Underutilization: If you do not take advantage of the insurance benefits for a significant portion of the year, you may end up paying for coverage that you do not fully utilize.

Understanding the pros and cons of multi-trip travel insurance will help you determine if it aligns with your frequent travel needs and preferences. Consider the frequency and duration of your trips, your budget, and the level of coverage you require to make an informed decision.

Factors to Consider When Choosing Between Single Trip and Multi-Trip Insurance

When deciding between single trip and multi-trip travel insurance, there are several important factors to consider. Evaluating these factors will help you make an informed decision that best suits your specific travel needs and circumstances. Here are the key factors to consider:

Frequency of Travel: Assess how often you travel within a year. If you only take one or two trips annually, single trip insurance may be the more suitable option. However, if you travel frequently, such as for business or leisure, multi-trip insurance offers the convenience and cost-effectiveness of continuous coverage for all your trips.

Trip Duration: Consider the typical length of your trips. Single trip insurance is ideal for journeys with specific departure and return dates. However, if you often embark on shorter trips within a specified time frame, multi-trip insurance may provide more flexibility.

Budget: Evaluate your budget for travel insurance. Single trip insurance tends to have a lower upfront cost as you only pay for coverage for a specific trip. Multi-trip insurance may have a higher upfront cost, but it can be more cost-effective for frequent travelers who take multiple trips throughout the year.

Customizable Coverage: Determine whether you require the flexibility to customize the coverage for each trip. Single trip insurance allows you to tailor the coverage based on your specific needs, such as the destination, trip duration, and planned activities. With multi-trip insurance, you may have standardized coverage for all your trips within the specified time frame.

Specialized Coverage: Consider if you need specialized coverage for specific activities or destinations. Single trip insurance may allow you to add specialized options based on your unique travel requirements. However, multi-trip insurance may have limitations on certain activities or destinations, so it’s important to review the policy details.

Convenience: Evaluate the level of convenience you desire in insurance arrangements. Single trip insurance requires buying a policy for each trip, which can be time-consuming. In contrast, multi-trip insurance offers the convenience of continuous coverage for all your trips without the need for repetitive purchases.

Additional Benefits: Assess the extra benefits provided by each insurance option. Both single trip and multi-trip insurance may offer additional coverage benefits, such as for adventure activities, emergency medical evacuation, or rental car insurance. Consider which additional benefits are important to you.

By considering these factors, you can weigh the advantages and disadvantages of single trip and multi-trip insurance and choose the option that aligns with your travel habits, preferences, and budget.

When it comes to choosing between single trip and multi-trip travel insurance, there isn’t a one-size-fits-all answer. It ultimately depends on your unique travel habits, preferences, and budget. By considering the key factors discussed, you can make an informed decision that provides the most comprehensive coverage and peace of mind for your journeys.

For occasional travelers who take one or two trips a year, single trip travel insurance offers affordable and customizable coverage for specific journeys. It allows you to tailor the coverage based on your needs, ensuring you have protection against unexpected events during your trip.

On the other hand, frequent travelers who embark on multiple trips throughout the year may find multi-trip travel insurance more advantageous. It provides continuous coverage and cost savings by eliminating the need to purchase separate policies for each trip. The convenience of ongoing protection and additional benefits make it a practical choice for those with busy travel schedules.

Ultimately, the right choice between single trip and multi-trip insurance depends on factors such as the frequency and duration of your trips, your budget, and the level of coverage and customization you require. Evaluating these factors will help you select the option that best meets your specific travel needs.

Remember to carefully review the terms and conditions, coverage limitations, and benefits offered by different insurance providers. This will ensure that you have a clear understanding of the coverage and can make an informed decision.

Whether you opt for single trip or multi-trip travel insurance, having the right protection in place is essential. It offers financial security, assistance, and peace of mind, allowing you to focus on enjoying your travels without worrying about unexpected mishaps.

Consider your travel habits, evaluate the pros and cons, and choose the type of insurance that aligns with your needs and preferences. This way, you can embark on your journeys with the confidence of knowing you are well-protected, no matter where your travels take you.

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Novosibirsk Travel Guide: All You Need To Know

Novosibirsk is the third-largest city in Russia and serves as the administrative center of Novosibirsk Oblast, located in the southwestern part of Siberia. It is the largest city in Siberia and one of the most important industrial and cultural centers in the region. Novosibirsk is known for its modernity, scientific institutions, and vibrant cultural scene. Here’s some information about Novosibirsk:

Places to Visit in Novosibirsk: Alexander Nevsky Cathedral: Explore the Alexander Nevsky Cathedral, an iconic and beautiful Russian Orthodox church known for its golden domes and stunning interior.

Novosibirsk Opera and Ballet Theatre: Attend a performance at the Novosibirsk Opera and Ballet Theatre, one of the largest and most renowned theaters in Russia.

Novosibirsk Zoo: Visit the Novosibirsk Zoo, one of the largest and oldest zoos in Russia, featuring a diverse collection of animals from around the world.

Krasny Prospekt (Red Avenue): Take a stroll along Krasny Prospekt, a central street in the city lined with shops, cafes, and historical landmarks.

Lenin Square: Explore Lenin Square, a central square with the largest monument to Vladimir Lenin in Russia, surrounded by government buildings.

Central Siberian Botanical Garden: Discover the Central Siberian Botanical Garden, a tranquil place to explore diverse plant species and beautiful gardens.

Best Time to Visit Novosibirsk: The best time to visit Novosibirsk is during the summer months, from June to August, when the weather is pleasant for outdoor activities and exploration. Winters can be extremely cold. Things to Do in Novosibirsk: Cultural Experiences: Immerse yourself in Russian culture by attending local events, theaters, and sampling traditional Siberian cuisine.

Museums and Scientific Centers: Novosibirsk is home to several museums, including the Novosibirsk State Art Museum and the Museum of the History of Siberian Railways, which provide insights into the region’s history and culture.

Shopping: Explore local markets and shops to purchase Russian souvenirs, artwork, and traditional crafts.

How to Get Around Novosibirsk: Public Transportation: Novosibirsk has an extensive public transportation system, including trams, buses, trolleybuses, and a metro system. It’s an efficient way to get around the city.

Taxis: Taxis are readily available for local transportation within the city.

Walking: The city center of Novosibirsk is walkable, making it easy to explore on foot.

Where to Eat in Novosibirsk: Local Cuisine: Savor traditional Siberian dishes, including pelmeni (dumplings), borscht, and regional specialties. Look for restaurants that offer local and Russian cuisine.

Cafes and Restaurants: Explore local dining establishments, cafes, and restaurants offering a mix of Russian and international cuisine.

Local Markets: Visit local food markets to sample fresh produce, regional delicacies, and handmade crafts.

Where to Stay in Novosibirsk: Novosibirsk offers a wide range of accommodation options, including hotels, guesthouses, and hostels. The city provides various lodging choices to suit different budgets and preferences.

Travel Tips for Novosibirsk: Language: Russian is the primary language spoken in Novosibirsk, and English may not be widely understood, especially in more remote areas.

Currency: The currency used is the Russian Ruble (RUB). Credit cards are widely accepted in hotels and restaurants, but it’s a good idea to carry cash for smaller establishments and markets.

Safety: Novosibirsk is generally safe for tourists, but practice standard safety precautions regarding your belongings and personal safety.

Climate: The city experiences a harsh continental climate with very cold winters and hot summers. Dress appropriately for the season of your visit.

Local Customs: Be respectful of local customs and traditions when visiting cultural or historical sites and interacting with local communities.

Novosibirsk offers a blend of modernity and cultural richness, making it an interesting destination for travelers interested in both urban experiences and cultural immersion. Be prepared for varying weather conditions, especially during the winter months, and plan your visit accordingly.

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A traveler's guide to Novosibirsk, the unofficial capital of Siberia

Trans-Siberian heritage

Residents of Novosibirsk love trains and are proud of the fact that their city played a significant role in the history of the grand Trans-Siberian railway, which spans the breadth of Russia. The railway is such a part of Novosibirsk identity that it is even depicted on the city’s emblem, along with the bridge that crosses the Ob river and two Siberian sables standing on their hind legs.  

In the city, there are as many as five monuments to trains, and an open-air locomotive museum is located in the vicinity of the train station Seyatel’. The museum has more than 100 steam locomotives, diesel locomotives and carriages, reflecting the history of rail transportation in Russia from pre-revolutionary times to the present day. Wondering around the stationary trains and comparing your height with the diameter of the gigantic iron wheels of the first steam locomotives is all very well, but why not climb inside the carriages and see how the nobility once traveled across Russia in pre-revolutionary times? These tours will however need to be booked in advance. The museum opens from 11:00 until 17:00 every day except Mondays. 

Novosibirsk spans both sides of the river Ob. In the early twentieth century, the border of two different timezones passed right through the city which led to a strange situation- morning on the east bank started one hour earlier than on the west bank! The two-kilometer covered metro bridge that crosses the river is considered the longest in the world. Due to the fluctuations in temperature across the year (on average +30 °C to -30 °C), during the summer the metro bridge expands, and in the winter it contracts by half a meter. To counter these effects, the bridge’s supports are equipped with special rollers that allow it to move.   

The cultural center of Siberia

The repertoire of the theatre can be viewed on its official website . The theatre season runs from September to July, and comprises mainly classical performances, like the ballet “The Nutcracker” by Tchaikovsky, Borodin’s opera “Prince Igor” and Verdi’s “La Traviata”.  

The large Siberian sea and ligers

Weekends are best spent at the Novosibirsk zoo . The zoo is known for breeding big cats, although surrounded by controversy, hosts a successful crossing of a tiger and lion, which of course would not otherwise breed in wildlife. Ligers, or exotic cubs of an African lion and Bengal tigress, feel quite comfortable in the Siberian climate and even produce offspring. The zoo is open to visitors year-round, seven days a week, and even has its own free mobile app, Zoo Nsk .

Every year at the beginning of January, the festival of snow culture takes place bringing together artists from across Russia and around the world to participate in a snow sculpting competition. The tradition started in 2000 inspired by the snow festival in Sapporo, Novosibirsk’s twin-city.

Siberian Silicon Valley

Despite the fact that Akademgorodok was built half a century ago in the middle of the uninhabited Siberian taiga, architecturally it was ahead of its time. No trees were destroyed for its construction, and houses were built right in the middle of the forest. A man walking through the woods would seemingly stumble upon these structures. At that time, no one had built anything similar in the world and ecovillages only became fashionable much later.

For residents of the Novosibirsk Akademgorodok is a different world. When you step out the bus or car, you are immediately on one of the hiking paths through the forest, between the scientific buildings and clubs. On a walk through Akademgorodok, it is possible to unexpectedly encounter art-like objects handmade by residents of the city which have been erected as monuments and some monuments fixed up by city authorities. For example, the monument to the laboratory mice, which knits a strand of DNA on to some needles, can be found in the square alongside the Institute of Cytology and Genetics. In Akademgorodok there are many cafes and restaurants, in which it is possible to rest after a long walk. Grab a coffee and go to eat at Traveler’s Coffee , or eat lunch at the grille and bar People’s or Clover .

Winters in the Akademgorodok are slightly colder than in the city, so wrap up. Spring and summer are usually wetter, so waterproof boots are recommended. In the summer the Ob sea provides respite from the heat, so do not forget your swimsuit to go for a dip.

Memento Mori

Among the exhibits of the museum is one dedicated to world funeral culture — hearses, memorial jewellery from the hair of the deceased, samples from a specific photo-genre of  "post mortem", a collection of funeral wear from the Victorian era, deathmasks, statues and monuments. There’s also an impressive collection of coffins. One of them, resembling a fish, was manufactured on a special visit to Novosibirsk by a designer coffin-maker from Africa, Eric Adjetey Anang, who specializes in the production of unusual coffins.

Surprisingly, the crematorium itself does not look at all gloomy in appearance and definitely does not look like infernal scenes from movies, or like crematoriums of other cities that gravitate towards gloomy temple aesthetics. The Novosibirsk crematorium is decorated in “cheerful” orange tones and is surrounded by a park with a children’s playground nearby. A visit to the museum then leaves you with mixed feelings. 

Novosibirsk underground

Tourists from all over the world go down into the Moscow metro to take a ride and a few selfies in the most famous underground museum. The Novosibirsk metro is also quite a museum in itself — it has 13 stations, the most beautiful of which is Gagarinskaya, Sibirskaya and Rechnoy Vokzal.

The ultramodern Gagarinskaya station is like a real cosmos underground. Its technologically themed design includes marble walls with metallic elements, dark blue backlighting and portraits of Yuri Gagarin. The Sibirskaya station looks like an underground treasure trove, decorated by Altai masters craftsmen with mosaics of precious Siberian stones. The Rechnoy Vokzal station is framed with ten glowing stained glass windows depicting the largest cities of Siberia, including Novosibirsk itself, Omsk, Barnaul and others. The platform resembles a big ship sailing on the Ob, from which ancient Siberian cities are visible through its windows.  

How to get there

The easiest way to get to Novosibirsk is by plane with Aeroflot or Novosibirsk airline S7 with one-way tickets from Moscow costing from 200-250 USD. If you decide to take from the train from Moscow, you’ll have to travel approximately a third of the Trans-Siberian Railway. That’s 3,300 kilometers over almost a three-day journey. 

Where to stay

There are many great hotels in Novosibirsk. Amongst the best include a four-star Doubletree hotel by Hilton , which is located near Lenin Square (per room from $200). After renovations and repairs, the congress-hotel Novosibirsk has improved (per room from $100) and is located across from the train station. Less expensive but of a similar standard is the four-star River Park hotel near Rechnoy Vokzal metro station, which costs $80 per night.

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