Our Story

Travel Insurance Pro was founded in 2018 by a small team of frequent travelers who shared the same frustration: shopping for travel insurance was confusing, full of jargon, and felt like comparison sites were funneling you toward whoever paid the highest commission.

After one of our founders faced a serious medical emergency in Southeast Asia and discovered too late that his plan had gaps he never knew about, we decided to build something better. A platform that puts the traveler first with transparent, independent comparisons and plain-English explanations of what you are actually buying.

Since then, we have grown into one of the most trusted independent travel insurance comparison resources on the web, helping over 500,000 travelers find coverage that genuinely fits their needs and budget.

What Makes Us Different

How We Make Money

We earn a referral commission when you click one of our partner links and purchase a policy. This commission is paid by the insurance provider and never increases the price you pay. Our editorial reviews are written independently of these commercial relationships.

Contact Us

Questions or feedback? Reach us at contact@travel-insurance.pro.

Travel Insurance Pro is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your information when you visit www.travel-insurance.pro.

1. Information We Collect

Information You Provide

• Name and email when you contact us
• Trip details entered into our calculator (not stored)
• Feedback or messages via contact form

Automatically Collected

• IP address and approximate location
• Browser type, device, and operating system
• Pages visited and time spent on pages
• Clicks on affiliate links (anonymized)

2. How We Use Your Information

• Operate and improve our website and comparison tools
• Respond to inquiries and support requests
• Analyze usage trends to improve content
• Measure affiliate partnership performance
• Comply with legal obligations

We do not sell your personal data to third parties.

3. Third-Party Services

Our site contains affiliate links to insurance providers. We use Google Analytics (anonymized IP) to understand site traffic. When you click affiliate links you will be redirected to providers that have their own privacy policies.

4. Your Rights

• Access the personal data we hold about you
• Request correction or deletion of your data
• Object to or restrict certain processing
• Withdraw consent at any time

To exercise any of these rights email contact@travel-insurance.pro.

5. Security

We implement industry-standard security measures including SSL/TLS encryption and access controls. No method of transmission over the internet is 100% secure.

6. Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated date.

7. Contact

Questions? Email contact@travel-insurance.pro.

By accessing or using www.travel-insurance.pro you agree to be bound by these Terms of Service.

1. About This Website

Travel Insurance Pro is an independent travel insurance comparison and information platform. We do not sell insurance directly. We earn affiliate commissions when you purchase through our partner links. See our Affiliate Disclosure.

2. Informational Use Only

All content on this site is provided for general informational purposes only. It does not constitute financial, legal, or insurance advice. Always read the full policy documents provided by the insurer before purchasing. Policy terms, prices, and availability are subject to change without notice.

3. Cost Calculator

Our insurance cost calculator provides rough estimates only. Results are not quotes and do not bind any insurer. Actual premiums may differ significantly. For an accurate quote use the links to our partner providers.

4. Affiliate Links

Some links on this site are affiliate links. If you click an affiliate link and make a purchase we may receive a commission at no additional cost to you. This does not influence our editorial recommendations. See our Affiliate Disclosure.

5. Intellectual Property

All content on this site including text, graphics, and logos is the property of Travel Insurance Pro and protected by applicable intellectual property laws.

6. Limitation of Liability

To the fullest extent permitted by law, Travel Insurance Pro shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on any information herein.

7. Changes to Terms

We reserve the right to modify these Terms at any time. Your continued use of the site constitutes acceptance of the new terms.

8. Contact

Questions? Email contact@travel-insurance.pro.

This Cookie Policy explains how Travel Insurance Pro uses cookies and similar technologies when you visit our site.

1. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They allow the site to remember your actions and preferences over time.

2. How We Use Cookies

Essential Cookies

Strictly necessary for the site to function including the cost calculator and navigation. Cannot be disabled.

Analytics Cookies

We use Google Analytics to understand how visitors interact with our site. Google Analytics collects information in anonymized form. No personally identifying data is stored.

Affiliate Cookies

When you click on an affiliate link to one of our partner insurance providers, those providers may set their own cookies to track the referral.

3. Cookies We Use

4. How to Control Cookies

• Most browsers allow you to refuse or delete cookies via browser settings
• Install the Google Analytics Opt-out Browser Add-on
• Visit optout.aboutads.info to manage advertising cookies

5. Contact

Questions? Email contact@travel-insurance.pro.

What Is an Affiliate Link?

An affiliate link is a special tracked URL. When you click one and purchase a policy, the insurance provider pays us a referral fee. This fee is built into the provider's marketing budget and does not increase the price you pay for your policy.

Our Affiliate Partners

• SafetyWing — digital nomad and long-term travel insurance
• World Nomads — short-term and adventure travel insurance
• IMG Global — international medical and travel insurance

Does This Affect Our Reviews?

No. Our editorial process is independent of our commercial relationships. We evaluate plans based on coverage quality, pricing, claims reputation, and customer feedback — not commission rates. We will tell you when a plan is not worth your money even if recommending it would earn us more.

Compliance

This disclosure is made in accordance with the U.S. FTC guidelines on endorsements (16 CFR Part 255) and applicable EU consumer protection regulations.

Questions?

Email contact@travel-insurance.pro.

If you work remotely and travel long-term, standard travel insurance does not really work for you. Most short-trip policies cap at 30 days, exclude your home country, and do not cover the electronics you depend on for income. Digital nomad insurance was built to fix exactly these problems.

What Makes Digital Nomad Insurance Different?

Standard travel insurance is built for short trips. Digital nomad insurance is different in three key ways:

• Monthly subscriptions: Pay month-to-month and cancel when you return home. No annual lock-in.
• Long-term coverage: Designed for stays of 31 days to several years, renewing automatically each month.
• Work-related coverage: Covers you while working remotely. Some plans cover equipment like laptops and cameras.

What Should a Good Nomad Policy Cover?

• Emergency medical coverage of at least $1 million (ideally $5M)
• Emergency medical evacuation — this alone can cost $50,000+
• Coverage in 150+ countries
• No minimum days per country required
• Electronics and laptop protection ($1,500 to $3,000)
• Cancel anytime without penalty
• Telemedicine consultations included

Top Digital Nomad Insurance Plan in 2026

Coverage Gaps to Watch Out For

• Home country exclusions: Many plans will not cover you in your home country. Check if home-country coverage is available as an add-on.
• Pre-existing conditions: Most nomad plans exclude pre-existing conditions unless you purchase a specific rider.
• Electronics limits: Coverage often means a sub-limit of $500-$1,500, not full replacement value for a high-end laptop.
• Adventure sports: Trekking above 4,500m, scuba beyond 40m, and motorbiking may require an additional premium.

How to Pick the Right Plan

• Budget traveler in Southeast Asia: SafetyWing is usually the best value
• Need high medical limits or expensive equipment covered: consider World Nomads or IMG Global
• Traveling with pre-existing conditions: look specifically for plans with waiver options
• Frequently home between trips: prioritize a plan with home-country coverage

Family travel insurance sounds simple: one policy, everyone covered. But once you dig into the details, the differences between plans are significant. "Kids travel free" can mean children under 18, under 15, or only under 12 depending on the provider.

What Does Family Travel Insurance Cover?

• Emergency medical treatment for all members
• Trip cancellation if any family member becomes ill before departure
• Trip interruption if you need to return home early
• Baggage loss, delay, or theft
• Emergency evacuation for all covered members
• 24/7 family assistance hotline

Understanding "Kids Travel Free"

• Children must travel with a covered adult named on the policy
• Age limits vary: commonly under 18, sometimes under 15 or 16
• Free children typically receive the same medical and emergency benefits as adults
• Trip cancellation benefits for children may be lower
• Step-children and grandchildren may or may not qualify

Key Features to Compare

• Per-person vs per-family medical limits: Some plans have per-person limits that apply individually; others have an aggregate family limit.
• Number of covered travelers: Most plans cover 2 adults + dependent children; fewer cover large groups of 6+.
• Pre-existing condition coverage: If any family member has a pre-existing condition make sure the plan covers it.
• Annual vs single-trip: If you travel more than twice a year an annual multi-trip plan is usually better value.

Questions to Ask Before You Buy

• What is the maximum age for children to be covered for free?
• Are there per-person medical sub-limits or one aggregate limit for the family?
• Is trip cancellation triggered if one family member gets sick or only the policyholder?
• Are adventure activities like skiing included or excluded?

Tips to Save Money

• Buy as soon as you make your first non-refundable trip payment to qualify for pre-existing condition waivers
• Choose an annual multi-trip plan if you travel more than twice per year
• Compare the total premium across the family, not just the per-adult rate

Every year, thousands of travelers are shocked to discover that their travel insurance did not cover the activity that injured them. A ski accident in the Alps. A motorbike crash in Bali. A scuba incident in Thailand. These are among the most common travel insurance claims and also among the most commonly denied ones.

Which Activities Are Covered vs Excluded?

How to Check If Your Activity Is Covered

• Make a list of every activity you plan to do including low-risk ones
• Search the policy PDF for "activities," "sports," "exclusions," and the specific sport name
• If it is not listed as covered assume it is excluded
• If in doubt call the provider and ask them to confirm in writing

What Happens If You Are Not Covered?

If you are injured in an excluded activity the insurer is legally entitled to deny the claim. You could be liable for the full cost of treatment. Emergency helicopter evacuations from mountain regions frequently cost $15,000 to $80,000 alone.