Independent guides · No policies sold here

Travel insurance, read properly before you buy

Most travel policies are bought in ninety seconds and read for the first time during a claim. These guides do the reading first — what medical cover actually pays for outside the US, when a cancelled trip is reimbursed, and which exclusions decide the outcome. Written for US travellers, with Europe covered in the most detail because that is where most of these questions start.

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103 guides published 5 topic areas Last updated August 2026

Start here

The cover most US travellers ask about first, and the three follow-up questions it always raises.

Find it by question

Five areas, each holding the guides that answer one kind of question.

Before you buy

Four things worth settling while you can still choose a different policy.

Recently published

New guides, newest first.

How this site works

Worth knowing before you rely on anything here.

A publisher, not a broker

We do not sell policies, quote them or handle claims. Nothing here is a recommendation for your circumstances, and no page is written by an insurer. About this site.

How guides are written

Cover terms are taken from policy wordings rather than marketing pages, and each guide says what it could not verify. Editorial policy.

How it is paid for

Some links to insurers earn a commission if you buy. That never changes what a guide says, and no insurer pays for placement. Affiliate disclosure.

This is general information, not advice. Cover, limits and exclusions differ by policy, insurer and state, and they change. Always read the policy wording and confirm the detail with the insurer before you buy. Found something wrong? Tell us — corrections are welcome.

Hotelsca US is a publisher, not an insurance broker or agent. Our guides are general information, not advice about your own circumstances, and we are not licensed to sell insurance. Coverage varies by insurer, state and traveller — the certificate of insurance issued to you is the only document that determines what you are covered for. Some links on this site are affiliate links; this never affects our coverage or your price.