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Travelex Travel Insurance - 2024 Review

Travelex Travel Insurance Review

Travelex Travel Insurance Review
Insurance Partner
Coverage Options


  • Strong Insurance Partner
  • Reasonable Pricing


  • Enhanced Coverage Options are not available in all states
  • Basic Plan coverage is low

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Travelex is a partner of Cruise Insurance 101. We showcase its Travel Basic and Travel Select  Travel Insurance Products.

For more than 25 years, Travelex has been helping protect travel investments. Its staff are among the most experienced in the industry.

Some coverage highlights:

Your Luggage is Protected with Travelex

Protecting your trip investment is the number one priority for travel insurance. Travelex takes it a step further by not only offering protection from trip cancellations and medical emergencies, but also looking after your personal belongings. Its trip insurance offers reimbursement for lost, damaged or stolen luggage and belongings. It also provides you with assistance in replacing lost prescriptions, passports or important documentation you need while away.

Travelex Trip Cancellation and Interruption Coverage

Sometimes cancelling a trip is inevitable. Accidents, injuries, loss of employment, sickness or even death of a loved one are all things that might keep you home. Travelex Travel Insurance will cover you for cancelling for a multitude of reasons. It even has Cancel For Any Reason upgrade on Travel Select, that  that can be made available for travelers whose travel status might be questionable. Its comprehensive travel insurance anticipates the needs of its customers to help them build their plan and protect their travel investment.

Travelex Emergency Medical Services

Does your medical insurance cover you while traveling abroad? Travelex plans offer reimbursement for emergency medical expenses while traveling and will even provide evacuation to the nearest adequate hospital. In addition, coverage provided on most Travelex plans is primary with no deductibles.

Travelex Travel Insurance & Delay Protection

Any number of things may cause you to be delayed, resulting in unexpected travel expenses. Travelex offers plans with cover for trip delay and baggage delay, providing reimbursement for unplanned expenses and additional costs. Some plans offer trip cancellation and interruption cover if you miss over 50% of your trip due to the delay.

Travelex Inclement Weather Protection

Hurricanes, floods and other inclement weather may keep you from your vacation. Most Travelex travel insurance plans can prevent you from losing your travel investment by providing protection for events like a traffic accident while en route to your departure or the shutdown of all transportation services causing you to miss your departure.

Travelex Pre-Existing Condition Waiver

Have you recently sought medical care or treatment for new symptoms? Had any changes in medications? Your pre-existing condition can be eligible for cover with most Travelex travel insurance plans if the plan is purchased within 15 days (Travel Select) of your initial trip payment. Additional requirements vary per plan.

Travelex 24/7 Assistance While Traveling

Travelex helps you find your way more easily with travel assistance and concierge services included in every travel insurance plan. Simply call a 24/7 toll-free number to receive assistance with medical emergencies, lost items such as passports and luggage, destination information and advice, event ticketing and much more.

Let’s take a look at the Travelex Trip Insurance plans

Travelex Travel Basic

Travel protection for all of your essential travel needs:

  • Trip Cancellation and Interruption benefits
  • First Payer Cover with no deductibles
  • Cover for missed cruise connections

Travelex Travel Basic Details

Travel Basic provides essential trip protection for the budget-conscious traveler. This plan is perfect for short, domestic vacations. This competitive cover provides necessary safeguards to ensure the trip investment is protected against the unexpected. Travel Basic provides you with a wide range of covered reasons for Trip Cancellation, as well as extensive post-departure cover to help protect you while you’re away.

Traveling creates memories that can last a lifetime. Gain peace of mind by purchasing the right travel insurance to protect your trip investment from unexpected events.

Benefits - Coverage Per Person

Trip Cancellation 100% of Insured Trip Cost

Trip Interruption 100% of Insured Trip Cost

Trip Delay $500

Missed Cruise Connection $500

Baggage / Baggage Delay $500 / $100

Medical Expense Benefits $15,000 Sickness $15,000 Accident

Medical Evacuation / Repatriation of Remains $100,000

Travel Assistance* Included

Travelex Travel Select

Customizable travel protection to match your lifestyle with the ability to choose from an array of upgrades. This plan has an option for all types of trips and travelers.

  • Kids under 21 covered at no additional cost
  • AD&D upgrade provides $200,000 (Common Carrier Air only)
  • Car Rental Collision upgrade provide rental car insurance coverage
  • Trip Cancellation when delayed for 50% or more of the trip
  • 24-hour AD&D benefit included
  • 21-day pre-existing condition exclusion waiver available
  • Emergency Medical and Evacuation & Repatriation Expenses
  • Primary Coverage 

Travelex Travel Select Details

A family friendly plan, Travel Select provides travel protection cover for children under 21 at no additional cost when accompanied by a covered adult family member. Enhance your family protection by customizing with the optional upgrades.

In addition to family friendly travel protection coverage, Travel Select offers the optional "Adventure Sports" upgrade for daring travelers who participate in activities like mountain climbing or parasailing. The optional "Cancel For Any Reason" upgrade provides reimbursement of 50% for any reason.

Benefits - Coverage Per Person

Trip Cancellation 100% of Insured Trip Cost

Trip Interruption 150% of Insured Trip Cost

Trip Delay $2000

Missed Cruise Connection $750

Baggage / Baggage Delay $1,000 / $250

Medical Expense Benefits $50,000

Medical Evacuation / Repatriation of Remains $500,000

24 Hour AD&D $25,000

Travel Assistance* Included

Travelex Frequently Asked Questions

What if I have questions regarding the benefits of a Travelex Travel insurance plan?

Contact the Travelex customer service department, which would be happy to assist you in understanding the plan details of travel insurance and each of our offered plans.

You may reach the customer service department at 1-800-228-9792, Monday - Friday, 8:00 a.m. to 7:00 p.m. CST.

What is Primary Coverage? Why does it matter?

Some of Travelex's plans provide Primary Coverage for easy claims handling, less time and hassle to receive reimbursement for eligible losses from Travelex first. Funds may be recovered from your medical or other collectible insurance plans.

Why should I purchase a Travelex Travel Protection Plan when I have other coverage? What is the difference?

Emergencies happen when you least expect it. Travelex combines travel insurance coverage and travel assistance services into a packaged protection plan that helps protect both you and your trip investment - before and during your trip. This coverage can protect you against losing your travel investment to travel suppliers, like cruise lines and tour operators, if you should cancel within their non-refundable cancellation period.

Credit card insurance policies may protect you for flight accidents, car rental damage or for accidental death while traveling, but this protection is usually only offered to you when you purchase your tickets with that particular credit card.

Many HMOs and PPOs offer limited coverage when traveling outside your networks. Medicare supplement benefits also need to be reviewed to determine their exact benefits or lack of benefits when traveling.

Please note: You may already have coverage that provides similar benefits and you may wish to compare the terms of this cover with your existing coverage. If you have questions about your current coverage, call your insurer or agent. A travel retailer is not qualified to compare or answer questions about the benefits, exclusions or conditions of other insurance policies.

Why is Trip Cancellation and Trip Interruption protection important?

All travel suppliers, whether they are tour operators, hotels, travel agencies, cruise lines or airlines, have cancellation penalties. You pay a deposit or final payment toward a trip and these suppliers will apply their published penalties to your trip. You will find the published penalties more severe as your scheduled departure date gets closer. These published penalties inform you that if you cancel, the supplier will hold all or a large percentage of your monies placed as down payment, deposit or final payment. You will lose this money. Trip Cancellation and Interruption is designed to reimburse you for your loss if you cancel or interrupt for a covered reason.

Can I buy travel protection without any trip cancellation coverage?

Yes, you can choose a plan that excludes this cover but still includes a full range of benefits to protect you during your trip, including cover for: trip delay, emergency medical, medical evacuation / repatriation, baggage and baggage delay, and more!

What happens if I purchase a protection plan and need to make changes (trip cost, dates, etc.)?

Simply call Travelex prior to your departure date and we will happily make any changes. Please refer to your confirmation of cover for the appropriate phone number to call.

If I change my mind after enrolling in a protection plan, can I get a refund?

Yes, Travelex will refund your plan cost (minus the processing fee) if you are not completely satisfied within 15 calendar days of purchase, provided you have not departed or filed a claim.

Will I receive an insurance card to carry with me after I purchase?

You will receive a Confirmation of Coverage and applicable plan documents, Description of Coverage via e-mail. The Confirmation of Coverage will include travel assistance phone numbers to call in case of emergency. The Description of Coverage will provide a summary of the plan details including benefits, conditions, limitations and exclusions.

You should take both your Confirmation of Coverage and Description of Coverage with you while you travel in case of an emergency. You may also want to print your Travel Assistance calling information if traveling abroad.

This is a general explanation. Certain conditions, limitations and exclusions apply as outlined in the applicable certificate. If you still have questions, please call Travelex customer service department at 1-800-228-9792.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Trustpilot reviews image
Trustpilot 5 star rating
4 days ago
When you need help they respond

I had chosen the wrong dates for my cruise insurance and the agent responded to my request for help the agent responded immediately.

Trustpilot 5 star rating
8 days ago
Travel Insurance for a Cruise

The results display of multiple policies made the comparison very simple, together with ability to obtain an explanation on the phone from Amanda, a representative of the Client Service Team.

T. Hall
Trustpilot 5 star rating
10 days ago
Well pleased

Destiny was super helpful,answered all the questions I had and explained everything in great detail..