TravelSafe Travel Insurance Review 2023 (2023)

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TravelSafe Travel Insurance Plans

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

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

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

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

Optional Add-ons

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

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

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

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

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

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

Travelers and tripCost
Two travelers age 30, $5,000 trip cost, traveling to Turks and Caicos$261
Two travelers age 40, $5,000 trip cost, traveling to Mexico$312
Two travelers age 65, $7,000 trip cost, traveling to Greece$718
Two travelers age 70, $5,000 trip cost, traveling to the U.K.$473

Does TravelSafe Have 24/7 Travel Assistance?

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

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

What’s Not Covered by TravelSafe Travel Insurance?

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

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

How To File a Claim with TravelSafe

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


Forbes Advisor scored 53 policies to find the best travel insurance plans using data provided by Squaremouth, a travel insurance comparison provider. When companies had more than one travel insurance plan we used the highest-scoring plan. Some companies may have plans with richer benefits and/or lower prices than their top-scoring plans, so make sure to get travel insurance quotes to see your full range of choices. The benefits scored were:

Cost (25% of score): We scored the average cost for each travel insurance policy for trips to the popular destinations of Italy and Mexico for common traveler profiles:

  • Couple, age 30 for Mexico trip costing $3,000
  • Couple, age 40, for Italy trip costing $6,000
  • Family of four for Italy trip costing $15,000
  • Couple, age 65, for Italy trip costing $6,000
  • Couple, age 70, for Mexico trip costing $3,000

Covid-related medical coverage (10% of score): Travel insurance policies were awarded points if they include coverage for Covid-related medical expenses.

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

Medical evacuation (10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

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

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

Baggage reimbursement benefits (5%): Travel insurance plans with baggage reimbursement benefits of $2,000 per person and higher were awarded points.

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

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

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions if purchased within a required timeline.

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

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

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TravelSafe Travel Insurance FAQs

Do TravelSafe travel insurance plans cover Covid?

With TravelSafe plans, Covid-19 is treated the same as other types of sickness under the terms of the travel plans. The TravelSafe Classic plan and the TravelSafe Basic plan both offer Covid-related trip cancellation and medical expenses coverage.

If you come down with Covid just before your trip and have to cancel, these travel plans will reimburse you for 100% of what you lose in pre-paid and non-refundable deposits. And if you get Covid during your trip, these plans can cover your medical costs.

Do TravelSafe travel insurance plans cover pre-existing medical conditions?

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Pre-existing medical condition exclusion waivers are available from TravelSafe. Check the details of your policy to confirm this coverage.

This waiver means that pre-existing conditions won’t be excluded from your travel insurance coverage. For example, TravelSafe’s Classic plan will cover pre-existing conditions if you buy the plan within 21 days of your initial trip deposit. You also must have been medically able to travel when you bought the plan. Pre-existing conditions waivers are not offered in all states for the TravelSafe Basic plan.

Do TravelSafe travel insurance plans offer “cancel for any reason” coverage?

TravelSafe offers “cancel for any reason” (CFAR) travel insurance on its TravelSafe Classic plan as an upgrade but not its Basic plan.

“Cancel for any reason” coverage will allow you to cancel your trip for a reason not listed in the plan’s base trip cancellation reasons and receive partial reimbursement. For example, you could cancel your trip because you have a fear of crowds.

Study the rules for CFAR for the plan you’re buying. For example, TravelSafe’s Classic plan will reimburse you for 75% of your trip costs under a CFAR claim. You must buy the “cancel for any reason” upgrade within 21 days of making your initial trip deposit and no less than two days before your trip departure date. To make a CFAR claim, you must cancel your trip at least two days before your departure date.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.


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