Money & Finance

TravelSafe Insurance Reviews: Key Features, Policy Benefit Limits, Pricing, & More

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Computer next to suitcase (caption: TravelSafe Insurance Review)Are you shopping around for travel insurance for your next big trip? TravelSafe Insurance is one of the industry’s big-name companies, but just what do you get with TravelSafe? Will this provider give you the reliable coverage you need, or are their policies a potential pitfall?

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Article Overview

TravelSafe Insurance

Variety of Policies 8.5
Coverage 9.0
Claims Process 8.5
Policy Pricing 9.0
Customer Support & Reputation 9.5


  • Full trip cancellation and interruption coverage
  • Good flexibility with a variety of add-ons
  • Good medical expenses coverage at $100,000 per person for highest plan
  • Pre-existing medical condition coverage available for conditions within 60 days before trip
  • Can file and check claim through website
  • Missed connection coverage


  • AD&D flight-only coverage is an added fee, but you get $25,000 per person 24-hour AD&D coverage
  • No itinerary change coverage
  • Some complaints about poor customer service

Key Features

  • In business since 1971
  • Offers 2 comprehensive travel insurance plans
  • Among the best lost luggage and missed connection benefits in the industry
  • Optional extended personal property coverage for electronics and sports equipment
  • 24-hour concierge and travel assistance services
  • 24-hour emergency medical hotline
  • Excellent website resources
  • Long-term medical travel insurance available: up to 364 days of coverage and renew up to three years
  • Group travel insurance for 10 or more
  • Parent company is BBB accredited with A+ rating

Policy Benefit Limits

Here’s a comparison of TravelSafe’s major benefit limits per plan. You can upgrade their Classic Plan to include cancel for any reason coverage; otherwise, the Classic and Classic Plus plans are the same. Note: You must purchase cancel for any reason benefits within 21 days of making your initial trip deposit.

The following benefit limits are per person.

Refer to our terminology section to get definitions and more details on benefits.

Basic Classic
Trip Cancellation Trip Cost Trip Cost
Trip Interruption Trip Cost 150% of Trip Cost
Missed Connection $500 $2,500
Total Trip/Travel Delay $500 $750
Travel Delay Per Day $100 $150
Minimum Delay Time 6 Hours 6 Hours
Emergency Accident & Sickness Medical Expenses (Primary) $35,000 $100,000
Emergency Dental $750 $750
Pre-Existing Medical Conditions Waiver Not Included Available*
Emergency Medical Evacuation & Return of Remains $100,000 $1 Million
Non-Medical Emergency Evacuation Not Included $25,000
Accidental Death & Dismemberment Not Included $25,000
Lost Baggage $500 $2,500
Baggage Delay $100 $250
Minimum Delay Time 12 Hours 12 Hours

* To qualify for a pre-existing medical condition waiver, you must purchase your plan within 21 days of making your initial trip deposit.

Personal Experience

Personally, whenever I travel, I always purchase TravelSafe cancel for any reason coverage. In March 2019, I had to cancel a trip due to a reason that’s normally not covered by travel insurance. Cancel for any reason helped me recoup 75% of the cost. I also found the claims process to be straightforward and hassle-free. – Neil G.


Pricing varies widely depending on where you’re traveling, the traveler’s age, your state of residence and other factors.

Sample pricing below is based on an insurance policy for two adults, ages 40 and 45, who reside in Virginia, are traveling to Greece for one week, and paying a total of $8,000 for the vacation cost. Pricing is the cost for both travelers (not per person).

  • $322 Basic Plan
  • $420 Classic Plan (+$190 for cancel for any reason add-on)

Why Do I Need Travel Insurance?

Not sure that you even need travel insurance? Check out the brief video below to see some typical examples when having travel insurance can pay off.

Our Final Verdict On TravelSafe Insurance

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We highly recommend TravelSafe Insurance for their comprehensive coverage rates, long-standing reputation, and excellent customer support and travel services. And if you want to add on cancel for any reason coverage, TravelSafe is a great value compared to many other providers.

If you want to compare TravelSafe to other travel insurance companies, be sure to read our travel insurance comparison. We give you pros and cons, key features, a handy comparison table, and much more for ten of the top providers.

Sally Jones

While attending the University of North Carolina at Chapel Hill’s graduate school for journalism and public relations, Sally began a long career researching and writing about hard-to-understand topics, such as insurance and finance. Her additional experience in marketing, fundraising, public relations and financial planning at various foundations and nonprofit organizations over the years has given her the practical tools to inform consumers about making the smartest business and personal financial decisions. Her work has appeared in many notable media outlets, including The Washington Post, Entrepreneur, People, Forbes, Huffington Post, and more. Speaking of smart living — growing up in the (at-the-time) per-capita murder capital of the U.S. (Richmond, VA) taught her a thing or two about the need for personal and home safety. Sally stays on top of all the latest gadgets and services to protect her and her teenage daughters from potential predators and thieves. And she brings this knowledge to every article she writes.

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