CoverTrip

What CoverTrip is

CoverTrip is a comparison site for US travel insurance, not an insurer. Its about page puts it in one sentence: "CoverTrip is a travel insurance comparison site, run by a licensed agent, that shows travelers every top plan side by side, priced for their trip, at the same price as buying direct." The company is "Travel Insurance Review Inc., doing business as CoverTrip," founded in 2006 as travelinsurancereview.net and renamed in 2021. Its founder, Damian Tysdal, writes that he is "a licensed insurance producer in Massachusetts (NPN 8615978), with the life, casualty, accident and health, property and travel lines," and runs the site from Hingham, Massachusetts.

CoverTrip does not sell policies on its own checkout. The about page says Squaremouth "powers the comparison and completes the purchase," that Squaremouth is "a licensed agency," and, in its FAQ, that CoverTrip is "an independent site" and not the same company. The policy itself is with the insurer. CoverTrip is paid by commission: "The insurer pays us a commission when you buy. There is no fee, and no plan is shown or hidden because of what it pays us."

What the comparison shows

The key facts table says the comparison covers "54 plans from the top US travel insurers, with a review of every company." A shopper enters a trip once and, in the site's words, plans "come back priced for your dates, your ages and your trip cost," with filters for options such as cancel for any reason or a pre-existing condition waiver. Pricing is the same as buying direct, because, the site says, "Travel insurance prices are filed with state regulators." The comparison runs at quotes.covertrip.com.

Each company review is written "from its actual policy wording, not its marketing page," and the site says it keeps the full policy wording for all 54 plans and re-checks claims when the wording changes. Guides carry the date they were last checked.

What its guides say about coverage

CoverTrip's coverage guide gives the range of limits across the plans it compares, checked against the insurers' plan pages on 12 September 2026. Trip cancellation pays "100 percent of the insured trip cost on every plan," and trip interruption "100 to 150 percent of the trip cost." Emergency medical runs from $10,000 to $500,000, and emergency evacuation from $50,000 to $1,000,000. Travel delay pays $500 to $2,500 once a delay passes a threshold that runs "from 3 hours to 24 hours by plan"; missed connection pays $250 to $2,500; baggage $500 to $2,500 with a per-item cap; baggage delay $100 to $500. A 24-hour assistance line is "Included on every plan."

The guide sets out its own view on limits: at least $100,000 of medical and $250,000 of evacuation for a trip outside the United States, and "$250,000 and $500,000 or more" for a cruise, a remote destination or a traveler over 65. It states that "Medicare pays nothing" abroad, and the evacuation guide adds that on a cruise Medicare "stops paying once the ship is more than six hours from a US port."

The evacuation guide explains the benefit in plain terms. Evacuation gets a traveler to adequate care and repatriation gets them home, and "Most plans put both under one limit." It cites a range of "about $30,000 to over $250,000" for an air medical transport. On a package plan, "The insurer's assistance company decides whether you need to be moved and where," and a transport the traveler arranges alone "may be reimbursed only up to what the insurer would have paid, or not at all." It contrasts that with a medevac membership, which it says "is not insurance and it pays no hospital bills" but lets the member choose the destination hospital.

Upgrades, pre-existing conditions and sports

Two upgrades have a purchase window. Cancel For Any Reason "Refunds 75 percent of the trip cost on most plans (50 on some)" if bought within 14 days of the first trip payment, with the full trip cost insured and cancellation at least 48 hours before departure on most plans. The pre-existing condition waiver "Removes the exclusion for a condition that changed in the look-back period (60 to 180 days before you buy)," again bought within 14 days, and the guide says "53 of the 54 plans we compare offer it." Adventure or hazardous sports cover, for scuba below a set depth, mountaineering and some skiing, is "An optional rider on some plans; each plan defines the activities differently." Rental car damage is another optional rider.

The guide also lists what is usually not covered: changing your mind without CFAR, a storm that was already named when the plan was bought, a visa that did not arrive in time, and a condition that changed inside the look-back period without the waiver.

Buying, the free look and claims

The about page walks through the purchase: compare, then "Click Buy Now and you finish on our partner Squaremouth's secure checkout. Your policy arrives by email." It says "Most plans give you 10 to 15 days to read it and cancel for a full refund." Questions about choosing or buying go to Squaremouth's licensed agents, "8am to 10pm ET, every day," while questions about the site get a reply "within two business days." The site says there are "No fake deadlines": a policy can be bought any time before departure, with only the waiver and CFAR tied to a window.

On claims, the page is direct: "Claims go to your insurer." What CoverTrip adds is the Zero Complaint Guarantee from Squaremouth on every policy bought through the site. If a claim is denied and the traveler thinks that is wrong, "licensed claims adjusters look at it and take it up with the insurer for you, free." The site notes this is not available when buying the same plan from the insurer's own site.

Who it suits, and who it fits less well

CoverTrip fits a US traveler buying a trip-based package plan who wants dozens of insurers priced side by side, reviews written against policy wording, clear statements of the 14-day waiver and CFAR windows, and a claims escalation route after purchase. Its guides on medical and evacuation limits suit anyone trying to understand those two numbers before comparing prices.

It fits less well for someone looking for long-term expat health cover or a standalone evacuation membership, neither of which is what the comparison prices, and for a buyer who wants to deal with a single insurer directly.