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USAA offers travel insurance plans that cover trip cancellation, trip interruption, trip delay, medical evacuation and repatriation, and medical expenses incurred during travel outside the US. To purchase a USAA travel insurance policy, you must be a USAA member, which includes those who serve or have served in the US military and their family members. The cost of coverage typically depends on the total trip cost and the traveller's age.
USAA Visa Card Travel Insurance Coverage
| Characteristics | Values |
|---|---|
| Medical Coverage Abroad | Yes, there are plans that cover medical expenses during travel outside the U.S. |
| Trip Cancellation Coverage | Yes, plans cover non-refundable costs if you cancel your trip. |
| Trip Interruption Coverage | Yes, covers costs if your trip is interrupted. |
| Trip Delay Coverage | Yes, covers costs incurred due to trip delays. |
| Medical Evacuation and Repatriation | Yes, included in the plans. |
| Plan Options | Multiple plans are available, including the Worldwide Trip Protector Lite and Worldwide Trip Protector plans. |
| Eligibility | Only USAA members are eligible to purchase travel insurance. This includes U.S. military members, veterans, and their families. |
| Cost | The cost varies based on age, trip cost, and the chosen plan. |
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What You'll Learn
USAA travel insurance plans
USAA offers travel insurance plans through a partnership with Travel Insured International. These plans are only available to USAA members, including those who serve or have served in the US military and their family members. The total cost of coverage typically depends on your total trip cost, age, type of trip, scope of coverage, and how much you want to spend. Here are some of the travel insurance plans offered by USAA:
Worldwide Trip Protector
This plan offers robust benefits at a lower price compared to other top-rated plans. It includes superior non-medical evacuation coverage, pet kennel benefits, and trip cancellation benefits for deployment and reassignment. It also has a medical expense coverage of $100,000 per person, which is lower than some other top-scoring travel insurance policies. The "Cancel for any reason" and "interruption for any reason" upgrades are available for this plan.
Worldwide Trip Protector Edge
This plan is more budget-friendly than the Worldwide Trip Protector but provides less coverage. It is suitable for those who are not concerned about cancelling their trip for reasons other than those listed in their policy and have lower medical expense and emergency evacuation limit requirements.
Annual Multi-Trip Protector
This plan is suitable for travellers taking multiple trips within a year. Coverage begins the day after purchasing the policy and lasts 364 days. The maximum length for any one trip is 45 days, but there is no limit to the number of trips within the coverage period.
Travel Medical Protector
This plan is generally more affordable than the other USAA plans. It is a good option for those who already have a premium travel credit card and are satisfied with their travel insurance limits.
Worldwide Trip Protector Lite
This plan is one of the two single-trip plans offered by USAA.
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USAA membership requirements
USAA is a member-owned insurance and financial services company that primarily serves military service members and their families. It was founded in 1922 by 25 Army officers who wanted to insure one another's vehicles. Since then, USAA's membership eligibility requirements have evolved.
To be eligible for USAA membership, you must be an active, retired, or honorably separated officer of the US military. If you are not affiliated with the military, you can still qualify if your parent or spouse is a USAA member. This includes unmarried former spouses and widows/widowers. USAA membership can be passed down to children, but not to parents or siblings. It is important to note that if the military member passes away, their children are only eligible for membership if the member had established USAA membership before their death.
In 2009, USAA expanded its eligibility criteria to include anyone who served honourably in the military, regardless of their rank. This change allowed USAA to become the "provider of choice for the military community".
To establish USAA membership, individuals can call or visit the USAA website to determine their eligibility and receive a member number. Once membership is established, individuals can unlock membership for their children and potentially future generations. While USAA used to require the purchase of a property insurance policy to lock in membership, this is no longer the case.
It is worth noting that USAA's eligibility criteria have changed over the years, and it is recommended to go through their quote process and enter specific information to determine eligibility.
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Travel insurance comparison
When comparing travel insurance options, it is important to consider your specific needs and concerns. Comprehensive travel insurance plans offer the most benefits, including protection for unexpected cancellations, trip interruptions, delays, and medical emergencies. Here are some factors to consider when comparing travel insurance policies:
Range of Coverage
Different plans offer varying levels of coverage. Comprehensive plans provide the most benefits, including trip cancellation, interruption, and delay coverage, as well as medical expense coverage. These plans can protect you from losing non-refundable deposits and cover emergency medical evacuation and overseas treatment costs. Annual travel insurance plans are ideal for frequent travellers, offering cost-effective emergency medical, medical evacuation, and travel delay coverage for multiple trips.
Cost of Coverage
The cost of travel insurance varies depending on factors such as your trip cost, age, and the number of travellers. Paying more for a policy does not always guarantee better coverage. It is important to compare prices and coverage details to ensure you are getting the best value. Some comparison websites allow you to enter your trip details, such as cost, destination, and dates, to provide you with tailored quotes.
Customer Reviews and Ratings
Consider reading customer reviews and ratings to gauge the quality of different insurance providers. Websites like InsureMyTrip offer unbiased plan comparisons, customer reviews, and an advanced recommendation engine to help you find the right plan. Squaremouth also provides verified customer reviews and allows you to compare quotes from top-rated travel insurance companies to find the best option for your needs.
Specific Needs and Concerns
Think about any specific concerns or requirements you may have for your trip. For example, if you are participating in high-risk activities, you will need a plan that covers these activities. Additionally, if you have pre-paid non-refundable trip costs, ensure that your policy covers these expenses in case of cancellation or interruption.
Eligibility and Membership Requirements
Some travel insurance providers have eligibility requirements for purchasing their policies. For example, USAA offers travel insurance plans specifically for US military members, veterans, and their families. Before selecting a provider, ensure that you meet any necessary membership criteria.
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Credit card travel insurance
In terms of medical coverage, credit card travel insurance can supplement your existing health insurance plan, which may not cover medical costs incurred abroad. It may help pay for some medical expenses and even emergency medical evacuations. However, it's important to note that the level of medical coverage provided by credit card travel insurance can vary, and you should carefully review your card's benefits before relying solely on this type of insurance for your travels.
USAA, for example, offers travel insurance plans with various benefits, including trip cancellation, trip interruption, trip delay, medical evacuation, and medical expense coverage. Their plans are specifically designed for those who serve or have served in the U.S. military and their family members. The cost of USAA travel insurance depends on factors such as trip cost and age, and they recommend comparing their quotes with those on insurance comparison sites.
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Trip cancellation and interruption
USAA offers travel insurance plans that cover trip cancellation and interruption. These plans are available to those who serve or have served in the US military and their family members. The Worldwide Trip Protector plan is the most comprehensive option, offering 100% trip cancellation and 150% trip interruption coverage. It also includes benefits such as $1,500 for trip delays, $1 million in medical evacuation, and $100,000 for medical expenses. The plan also offers a range of add-ons, such as CFAR coverage, which allows you to cancel your trip for any reason and receive a refund of up to 75% of your non-refundable deposit.
The Worldwide Trip Protector Lite plan is another option that offers basic coverage, including 100% trip cancellation and 100% trip interruption, $300 trip delay, $100,000 in medical evacuation, and $10,000 for medical expenses.
USAA credit cards also offer trip cancellation and interruption coverage, but the specific benefits may vary depending on the card. For example, the Chase Sapphire Preferred® Card offers up to $10,000 in trip cancellation coverage per person and $20,000 per trip. It's important to review the benefits guide or contact USAA customer service to understand the coverage provided by your specific card.
Trip cancellation insurance through USAA covers eligible travel expenses such as airfare and car rentals when a trip is cancelled or interrupted due to sickness, severe weather, or other unforeseen circumstances. It's important to note that pre-existing conditions, intoxication, self-inflicted injuries, and illegal or criminal acts are typically excluded from coverage.
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Frequently asked questions
USAA travel insurance plans offer trip cancellation, trip interruption, trip delay, medical evacuation and repatriation, and medical expense coverage, among many other benefits. There are several plans to choose from, including a plan that is focused on medical coverage when travelling outside the US.
The total cost for coverage typically varies based on your total trip cost and your age. Generally, USAA's Travel Medical Protector plans are more affordable than its other options.
You must be a USAA member to purchase a travel insurance policy from USAA. Those eligible for membership include those who serve or have served in the US military, along with their family members.
One way to check if USAA travel insurance is the best value is to compare your USAA quotes to those listed on an insurance comparison site. Input your trip details and cross-reference the cost and coverage of those plans with what you’re seeing with USAA.
