Road trips are often a fun and cost-effective way to see the world around you. Whether you're exploring the open road alone or using it as an opportunity to bond with family and friends, road trip memories are ones that you won't soon forget.
However, like any type of vacation, road trips come with the risk of something going wrong. You never know if you’ll end up in an accident, need medical care, or have your belongings stolen — so it’s smart to get prepared before you get behind the wheel.
Let’s explore how our travel insurance for a road trip can help provide you with the extra confidence you need to relax and enjoy your vacation.
How our road trip travel insurance can help protect you
Rental car damage upgrade available
Access to 24/7 travel assistance
Extra medical coverage available
Why should I consider road trip travel insurance for my vacation?
Many people purchase travel insurance for their expensive trips that involve long-haul flights, but don't think to buy travel insurance when taking a trip in the car (whether they’re taking their own or renting one). However, there are many mishaps and accidents that can happen in and out of the car on a road trip — particularly if you’re in another country.
Even if you’re an incredibly careful driver, there’s always the risk that you’ll be involved in a car accident during your road trip — and accidents can often result in costly vehicle damage and medical care. If you’re outside of the U.S. (or even in certain states), your health and auto insurance may not cover the medical costs, meaning you’ll be footing the bill alone. The best travel insurance for your road trip can help ensure you’re eligible for reimbursement of these costs and more, so you can get on the road to recovery sooner.
What if severe weather and other factors affect the timeline of your road trip? Travel delays and trip cancellations can lead to expensive rescheduling fees for your accommodations and other scheduled plans. With travel insurance for a road trip, you could be eligible to receive reimbursement, for an eligible event. An unfortunate incident doesn’t have to completely throw your trip or finances off track.
Does Travelex travel insurance cover road trips?
If you’re doing a road trip in the U.S., yes, we can provide road trip travel insurance as long as you’re traveling at least 100 miles away from home. If you’re renting a car and driving in another country, our coverage can also help except if traveling to Costa Rica, Ireland, Jamaica, and Mexico.
Our plans have a wide range of benefits to back up your finances for a smoother ride whether you’re in or out of the car, such as:
- Travel insurance for trip cancellation and interruption
- Travel delay coverage
- Emergency medical travel insurance
- Emergency medical evacuation coverage
- Baggage and personal effects coverage
Plus, you can customize your policy to suit your road trip with up to nine optional upgrades for additional medical, adventure activities, rental car damage, and more. Want to know more about our optional travel insurance with car rental coverage? Keep reading to learn about our rental car damage upgrade.
Discover which of our plans could offer the best travel insurance for your road trip
Traveling with your kids in tow? Our Ultimate plan provides kids-included pricing, meaning one child age 17 and under is eligible for coverage per insured adult (age 18 and up) at no additional cost. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for this offer to apply. If you include upgrades, each traveler will be charged individually for the upgrade.
Want more affordable coverage for your budget-friendly road trip? Check out our Essential plan, which has inclusive coverage at a lower price. For higher benefit limits, our Advantage plan provides the next level up in coverage.
One of our most popular benefits is our 24/7 travel assistance, which is available on all our plans. Whether you get into a vehicle accident on vacation or need to see a doctor while traveling, our provider is on-call and ready to support you. They’re easy to reach from our Travel On app, where you’ll also find access to destination risk ratings and real-time safety alerts while you’re on the go.
Does Travelex’s road trip travel insurance include rental car damage?
It can — but you’ll need to include our optional rental car damage upgrade in your policy to be eligible for this coverage. This upgrade is available with our Essential, Advantage, Ultimate, and Travel Med Go plans.
If this upgrade is included in your policy, our travel insurance with car rental coverage can mean you’re eligible for reimbursement of up to $50,000 with a $100 deductible for accidental damage caused by the following:
- Collision
- Theft
- Vandalism
- Windstorm
- Fire
- Hail
- Flood
- Stolen rental car
- Any cause outside of your control while renting the car
If you rent a standard car with an original price under $75,000, we could reimburse you for one of these expenses (minus the $100 deductible) up to $50,000:
- The cost of repairs and rental charges during repair
- The actual cash value of the car
Important: You must have a valid driver’s license, be listed on the rental agreement, and be legally and financially responsible for the damages for our primary coverage to apply.
Plus, to be eligible for coverage, you must:
- Take all reasonable, necessary steps to protect the car from further damage.
- Report the loss to local authorities and the rental company ASAP.
- Obtain all information from anyone else involved in an accident, such as their name, address, insurance information, and driver’s license number.
- Provide us with all documentation, such as the rental agreement, police report, and damage cost estimate.
Good to know: This upgrade isn’t available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico.
If you have any questions about our rental car damage upgrade, you can call our award-winning customer service team at 1-800-228-9792.
How do I get a Travelex quote for road trip travel insurance?
It’s easy to protect your trip with us at Travelex — just hit the orange “Get quote” button below or at the top of the page to start your quote. After you enter your trip and traveler details, we’ll show you your plan options. If you want our travel insurance with car rental coverage, choose our Essential, Advantage, Ultimate, or Travel Med Go plan and add our rental car damage upgrade on the next screen.
