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Expedia Travel Insurance - 2024 Review

Expedia Travel Insurance

Expedia Travel Insurance
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  • Available at Check-Out


  • Very Expensive
  • Poor Coverage - Significant Gaps in Cover

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Expedia has grown to become one of the most dominant platforms in travel distribution. Its comparison engine has helped save customers millions of dollars on flights and hotels. At the end of each session, every customer is pushed to buy Expedia Travel Insurance.

expedia travel insurance worth buying | AARDY.com In our Expedia Trip Insurance Review we will show you why we think that Expedia Travel Insurance is the worst type of trip insurance cover we have seen in the United States. We have never seen such expensive trip insurance with so few benefits.

Expedia Domestic Travel Insurance

Expedia's Domestic Insurance provides no Travel Delay cover. As in, zero. Expedia does not offer any Baggage cover in its domestic travel insurance. Lost bags are your problem.

Expedia International Travel Insurance

When traveling internationally, Expedia Flight Insurance offers only pitiful medical cover - $5k. We recommend no less than $100k of medical cover when overseas - Expedia's Flight Insurance level of protection is totally inadequate.


Check the cost and cover from Expedia Travel Insurance. Then run a quote with a Travel Insurance Marketplace like TravelDefenders. You will get a range of travel insurance quotes from the leading travel insurers in the USA.

We worry that customers who buy Expedia Travel Insurance will think that they have useful comprehensive cover, yet be dangerously short of travel protection. It only takes one minute to compare travel insurance. We strongly recommend that Expedia customers do this.

But, Is Expedia Travel Insurance Worth Buying?

Expedia customers traveling domestically within the USA who think that they are getting cheap Expedia Travel Insurance will have little or no cover. Expedia’s insurer, AIG Travel Guard, won’t even call it Travel Insurance – it is referred to as a ‘Flight Cancellation’ policy. The policy has so little in the way of travel cover we cannot think why the policy was created. It is nearly useless.

Should you buy Expedia Travel Insurance when traveling internationally you will have woefully weak protection. Again, AIG Travel Guard will not call it Travel Insurance on its policy documents. This time, it is known as a ‘Flight Total Protection Plan’. There are so many weaknesses in this policy. The international travel health protection is totally inadequate, in our opinion.

Please enjoy our comprehensive Expedia Travel Insurance Review. Please do not buy Expedia Travel Insurance until you have read the review.

Expedia Travel Insurance Highlights

  • Expedia’s Flight Insurance is provided by AIG, a highly reputable travel insurer.
  • Expedia Travel Insurance is incredibly expensive – twice the price of other policies.
  • Expedia Travel Insurance has very weak levels of cover that are insufficient for most travelers.

We cannot recommend that you buy Expedia Travel Insurance.

There are a multitude of better trip insurance plans with better cover at a lower price.

Expedia Travel Insurance – Cover Provided by AIG Travel Guard

AIG Travel Guard is the underwriting partner for Expedia Travel Insurance. AIG is one of the most respected travel insurance carriers in the USA. Indeed, we are a partner of AIG’s, and host a number of its comprehensive travel insurance policies. However, the policies that AIG provides to Expedia are not Trip Insurance policies. They are described as ‘Flight Protection’ plans, and look nearly worthless to us.

Expedia’s International Travel Insurance Plan is called ‘Expedia Total Protection Plan’.

Expedia’s Domestic Travel Insurance Plan is called ‘Expedia Flight Cancellation Plan’.

We will first cover the Domestic Expedia Trip Insurance, followed by the International Expedia Trip Insurance.

Why Should I Buy Travel Insurance?

Before we jump into the policies that Expedia offers, it probably makes sense to cover the main reasons that people buy travel insurance in the first place.

Tragic Cancellation Cover We want to be able to cancel our trip if we are presented with terrible circumstances at home. If there is a death or serious illness in the family, for example.

Redundancy Protection If we lose our job, we would like to be able to cancel our trip and be compensated.

Vacation Cancellation Protection If our vacation is cancelled by our employer, we would like to be compensated for the cancelled vacation.

Medical Cover Whether we travel at home or abroad, we want health cover in case we get sick or involved in an accident.

Medical Evacuation Cover If we do get sick or injured, we want our travel insurance to take care of the costs involved in moving us to a medical facility.

Baggage Protection If our bags are lost by the airline, is there cover in place?

Now, there are more options than this in any trip protection policy, but these are the ones that people are most worried about. The ones we consider most critical are the travel health insurance elements, because these have costs that could bankrupt a traveler. Yes, it is annoying to lose a bag, and compensation is nice. But, a $75k medical bill after a serious injury is something that can destroy a person’s financial well-being. Big risks need to be covered, in our opinion.

Domestic Expedia Trip Insurance

In order to highlight the benefits and protection that Expedia offers on its domestic plans, we ran a full quote. Our traveler is heading from San Francisco to New York, spending a week with friends before heading home.

Expedia Travel Insurance - SFO - NYC - $460 | AARDY.com

Our flight has a total price of $460. Note that we are encouraged to buy Expedia Travel Insurance - after all, over 40,000 people have bought a policy in the last week.

Expedia recommends that we buy flight protection. They highlight the ‘Buy’ area of the screen. Expedia insists that we make a selection to protect our trip, or risk our funds.

This cheap Expedia Travel Insurance is only $33.

Expedia Travel Insurance - SFO - NYC $33 | AARDY.com

Expedia's Scary Language

Here is how the language is presented to a traveler.

Protect your flight (recommended) Avoid change fees. Protect your trip. Expedia Cancellation Plan

3 reasons you might need travel protection:

  1. Your ticket is non-refundable and you're too sick to travel
  2. You get injured and can't make your flight home
  3. Your traveling companion has a covered medical emergency and can't travel

Yes, I want Cancellation Protection for my trip to New York. 41,856 customers protected their flight in the last 7 days $33

No, I'm willing to risk my $460.38 trip.

Mary got $468 back when she cancelled her flight to ... Read more

Because we are naturally curious, we decided to read more. After all, it sounds as though ‘Mary’ can cancel her trip and get her money back. Well, actually she can only get compensation on this Expedia Travel Protection Plan for a tiny number of reasons.

When we expand the statement from ‘Mary’, we understand that she was only able to receive compensation for an unusually tragic reason:

Mary got $468 back when she cancelled her flight to care for her sick husband.

“I didn't know I would get a refund, thought I would get a credit with the same airline. It will make booking the trip easier, when my husband gets better.”

-Mary C., Gloucester, VA

Domestic Expedia Travel Insurance Benefit

Here is the exhaustive list of benefits that a traveler will get from this cheap Expedia Travel Insurance…

Expedia Travel Insurance - SFO - NYC - Schedule of Benefits | AARDY.com

AIG Travel Guard Flight Cancellation Plan

SCHEDULE OF BENEFITS Maximum Limit Per Person

  • Trip Cancellation - Trip Cost (up to a maximum of $100,000)
  • Trip Interruption - up to 100% of Trip Cost (up to a maximum of $100,000)

As in, this nearly worthless policy has protection for cancellation and interruption only. That’s it. And, of course, the reasons that count as being covered are extreme.

It covers disabling injuries or illnesses that make travel impossible, as certified by a doctor. If you are hi-jacked or quarantined or called to jury duty. If you are made redundant.

Now, we recognize that these are risks worth protecting, but surely most of us would expect far higher levels of trip insurance cover? We have never seen a trip protection policy with so little useful cover for a traveler.

What is Missing from Domestic Expedia Travel Insurance?

Travel Health Insurance

Most people associate travel insurance with health cover. This is as true for domestic travel as it is for international. Although many of us will have some type of health insurance, there are often restrictions if we travel away from our home state. We should be aware of any additional costs by using out-of-state medical facilities, or out-of-network costs.

Every single travel insurance policy that we offer through TravelDefenders has travel health insurance embedded in. It is standard – every travel insurer seems to offer this on their travel insurance policies. Travelers assume that health cover will be in any policy they buy. We can only assume that most travelers would not even think to check the Expedia Trip Protection policy document. If they did, we assume that they would be shocked by the lack of travel protection.

We cannot recommend Expedia Travel Insurance if it does not include this most basic of travel health insurance provisions.

Travel Evacuation Insurance

In the event that you get seriously injured or very ill, you will need to be moved to the nearest medical facility. The costs of this type of medical transfer can be very high. That’s why we expect to see it in any travel insurance plan. Again, we cannot understand why Expedia does not include it.

Vacation Cancellation Insurance

In the event that our employer cancels our work vacation, it would be great if travel insurance could support us. This type of protection is not available on all policies, but we see it on the more comprehensive plans that we offer.

Now, we think that these are pretty important basic trip insurance benefits. We like to see some, if not all of them, on plans that we promote. By far and away, the travel medical insurance and evacuation benefits are most important. These are the ones that offer the most financial protection.

The best Expedia Travel Insurance that you could find would have these policy elements included. Expedia does not include them. Its policy is incredibly weak. Look for better options, please.

Alternatives to Domestic Expedia Travel Insurance

TravelDefenders is a travel insurance marketplace. We make comparisons of travel insurance policies. We only work with the USA’s leading travel insurance providers.

Our insurers are licensed and regulated in all 50 US states and D.C. Every one of our insurance carriers has many different policy options for our travelers to choose from. Our carriers are happy to have their policies compared against those of their competitors. Every one of our Travel Insurance partners has an A.M. Best rating of at least an ‘A’.

Why is this important to an Expedia customer?

Expedia will only offer you one option for travel insurance. What they offer you is awful. So, instead of that, we offer you a dozen or so. We do not share your contact information with the insurance carriers. So, our insurance carriers give you binding insurance quotes, but do not then bombard you with marketing. Your quote is anonymous. You receive the best possible insurance rates available.

Best possible rates?

The price of each insurance we share with you is identical to the price if you went to each and every travel insurer directly.

So, rather than wasting an hour searching and comparing for our insurers directly, you can do it through us in a minute.

Here is what we found when we went to find travel insurance to compete against the awful Expedia Travel Insurance policy.

Here is the same trip that we ran through our system. It took less than one minute to generate the quote options. All details were passed to our Travel Insurance Carriers anonymously.

Here is what happens when travel insurance carriers get to compete with one another – the customer wins. Our customer was able to compare 17 different plans, with varying levels of cover and cost. As always, plans are shown with the least expensive first. There is no desire to oversell to a customer cover that they do not need. Travel insurance for seniors is available from all of our carriers. We have travelers in their late 90's still exploring the world, and doing so having compared travel insurance rates with us.


One plan immediately stands out – the IMG Travel Lite plan. It is one of our most popular trip insurance plans for international travel.

Note that at $35, this is $2 more than the expedia plan, yet, look at the powerful benefits available to a customer.

IMG Travel Lite

Standard Cancellation Benefit

  • Covered Cancellation: 100% refund

Medical Benefits

  • Medical Cover: Secondary
  • Medical Sickness: $100,000
  • Medical Evacuation: $500,000

Free Look Period: 10 days

Extra Cancellation Benefit

  • Cancel for Work Reason: 100% Refund
  • Cancel for Any Reason: N/A
  • Time-Sensitive Period: N/A

Pre-Existing Condition Benefit

  • Look-Back Period: 60 days
  • Waiver of Look-Back: No
  • Time-Sensitive Period: N/A

A.M. Best Rating: A

Here is a cheap travel insurance policy for an Expedia customer, that has 20 times the level of Travel Medical Insurance cover, yet is just $2 more expensive than that which Expedia suggests to its customers.

If seeking a cheap plan which also contains a strong Pre-Existing Medical Condition Exclusion Waiver, the plan that stands out is the TravelDefenders recommended plan - the IMG Travel SE which has a massive $250,000 of medical cover, cancel for work reasons, and a pre-existing condition waiver added in for free if the plan is bought within 20 days of your initial trip payment. All this for just $40.

Remember that this Travel Insurance policy needs to be booked within 20 days of your initial trip deposit to qualify for the free Medical Waiver.

Cancel for Any Reason Travel Insurance

There are times when we would like the flexibility to cancel our trip without any reason at all and still receive compensation. This type of cover is known as Cancel for Any Reason Travel Insurance, and is embedded in only the most comprehensive of plans.

It is a really useful option for those people who are unsure if their plans will remain consistent, and want the option to cancel, and be compensated. We have long been advocates of the use of this cover to run what we call the Airline Ticket Hack.

Essentially, we book a non-refundable airline ticket. Then we add Cancel for Any Reason Travel Insurance. If we need to cancel the flight, we call in the insurance, and get a 75% refund. It’s the smartest way to get low cost, near-refundable tickets that we know of. We love it. Airlines hate it.

International Expedia Trip Insurance

As terrible as Expedia’s Travel Insurance is, its International Protection is actually worse. When traveling domestically, we may have medical cover from home that works for us on the road. If we do not buy domestic travel insurance we will have co-pays and out-of-pocket expenses, but hopefully this will only be thousands of dollars.

Now think about traveling internationally. A serious accident or illness can take us into hospital. International state-sponsored public health programs are not going to be available to us. We will need to pay the full cost of any medical treatment we receive. Our recommendation is to have at least $100k of medical cover when traveling internationally. With day rates at international private hospitals hitting $3k to $4k per day, any less seems to create too much financial risk.

When overseas, medical evacuation can be critically important as well. Here, we like to see $100k of cover if on a trip close to the USA, and $250k of cover if much further away.

International Expedia Travel Insurance – Example

We ran a quote for a flight from San Francisco to London, finding a trip that cost $865.

Expedia Travel Insurance - SFO - LHR $865 | AARDY.com

Again, at check-out Expedia encourages us to buy its flight insurance. We get slightly different language from them this time, because the trip insurance policy has changed.

Instead of an 'Expedia Flight Cancellation' plan, which we saw when traveling domestically, we get the 'Expedia Flight Total Protection Plan.' Now, that sounds comprehensive, doesn’t it? Anything that is called a ‘Total Protection Plan’ ought to be all-encompassing, you would think.

Taking a look, we see the following.

Expedia Travel Insurance - 40,765 Policies in 7 Days | AARDY.com

The same message that 2 million people buy Expedia Travel Insurance each year.

An overview of the benefits that ‘total protection’ buys us for $56.

Expedia Travel Insurance - SFO - LHR $56 | AARDY.com

Then we see a similar type of language to scare/nudge our traveler into buying this awful cover.

Yes, I want to add the Total Protection Plan to my trip to London. 27,912 customers protected their flight in the last 7 days $56

No, I'm willing to risk my $865.60 trip.

AIG Travel Guard Flight Total Protection Plan

SCHEDULE OF BENEFITS Maximum Limit Per Person

  • Trip Cancellation - Trip Cost (up to a maximum of $100,000)
  • Trip Interruption - up to 100% of Trip Cost (up to a maximum of $100,000)
  • Baggage & Personal Effects - $1,000
  • Accident Sickness Medical Expense - $5,000
  • Emergency Evacuation - $15,000
  • Repatriation of Remains - $15,000
  • Flight Guard® - $50,000

Protect your flight (recommended)

Avoid change fees. Protect your trip. Expedia Cancellation Plan

3 reasons you might need travel protection:

  1. Your ticket is non-refundable and you're too sick to travel
  2. You get injured and can't make your flight home
  3. Your traveling companion has a covered medical emergency and can't travel

Select Yes or No to continue booking

Now, there are a few more benefits on this Expedia ‘total protection’ policy than we saw for the domestic trip. But did you check the cover levels?

$15k for Emergency Evacuation? $5k for Medical Expense?

These cover levels are pathetic as stand-alone insurance levels. They are woefully inadequate unless you have a strong secondary insurance policy that can pick up the vast majority of the costs. These benefit levels are totally insufficient for most international travelers.

TravelDefenders International Travel Insurance Options

Once again we run the trip through our travel insurance marketplace. Again, we quickly get more than a dozen different travel insurance options for a traveler to choose from.


Again, for a plan that includes a waiver of pre-existing conditions, we would opt for the IMG ravel SE plan at $67. This is $11 more than the Expedia plan but again, look at the coverage for our traveler.

Review – International Expedia Travel Insurance $56 Cover versus IMG Travel SE

IMG Travel SE - Time-Sensitive Benefits

  • Cancel for Work Reason: 100% refund
  • Pre-Existing Waiver: Yes
  • Time-Sensitive Period: 20 days
  • Free Look Period: 10 days
  • Pre-Existing Look-Back: 60 days

IMG Travel SE - Regular Benefits

  • Medical Cover: Primary
  • Covered Cancellation: 100% refund
  • Medical Sickness: $250,000
  • Medical Evacuation: $500,000

International Expedia Travel Insurance - Time-Sensitive Benefits

  • Cancel for Work Reason: 0% refund
  • Pre-Existing Waiver: Yes
  • Time-Sensitive Period: 20 days
  • Free Look Period: 15 days
  • Pre-Existing Look-Back: 60 days

International Expedia Travel Insurance - Regular Benefits

  • Medical Cover: Primary
  • Covered Cancellation: 100% refund
  • Medical Sickness: $5,000
  • Evacuation: $15,000

There is an embarrassing lack of cover in the Expedia policy. Here are where we think the most obvious cover gaps are.

Work Cancellation

  • IMG Travel SE – Yes
  • Expedia Insurance – No

Travel Medical Insurance

  • IMG Travel SE - $250k Cover
  • Expedia Insurance - $5k. Expedia has incredibly weak protection.

Travel Evacuation Insurance

  • IMG Travel SE - $500k cover
  • Expedia Insurance - $15k. Woefully limited cover from Expedia.

Travelers should always consider their options when searching for travel insurance. We consistently see International Expedia Travel Insurance as one of the most expensive in the USA with some of the worst cover. There will almost certainly be a better option with more cover and a lower price.

TravelDefenders – Compare & Save

TravelDefenders is a travel insurance marketplace. We get binding insurance quotes, anonymously, from all of our major travel insurance carriers. We provide simple comparison for travel insurance in less than a minute.

Does TravelDefenders Charge More?

In the USA, insurance is regulated with anti-discrimination protection in place.

Identical travel insurance policies must be sold at the same price. We cannot mark up a policy. We cannot discount a policy. No one can. We offer a fuller explanation here: Travel Insurance Comparison

What does this mean to me as a travel insurance customer? If you went to each of our travel insurance partners and ran quotes with every one of them, you would see the exact same price as we quote. We do not charge a cent more. All that we do is compare insurance plans within the market. You no longer need to jump from insurer to insurer. You will see the best rates for each trip insurance policy.

All we need is one minute of your time. TravelDefenders is the leading travel insurance marketplace in the USA.

Safe travels.

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

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Yvonne McNamara
Trustpilot 5 star rating
4 days ago
Very easy site to follow

Very easy site to follow. Have used this company for previous travel and they never disappoint.

Trustpilot 5 star rating
11 days ago
Janet was super helpful

Janet was super helpful

Ron Toward
Trustpilot 5 star rating
13 days ago
Easy and quick

Easy and quick