Car Insurance Travel Protection Plans

The benefits of car insurance travel protection plans include (1) covers you in any vehicle you drive, (2) covers you in foreign countries, and (3) provides roadside assistance in case of mechanical breakdown.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 1, 2020

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Here's what you need to know...

  • Travel protection plans can be purchased as part of your regular insurance or as a supplemental policy when renting a vehicle
  • Travel protection plans provide a fair amount of coverage for all sorts of things at a relatively low cost
  • Travel protection plans add insurance coverage that would protect you and any cars you drive while you’re traveling

If you’re planning to travel even a moderate amount of distance away from your home in the near future, you might want to consider a travel insurance protection plan.

Before we continue, it is important to note that travel protection policies come in all shapes, sizes, and forms.

Entering your ZIP code into the box above will enable you to compare car insurance quotes from some of America’s most well-known companies.

Crossing the Border



Car insurance travel protection plans are a necessity if you plan to take your vehicle out of the country for any length of time.

For example, if you plan to drive in Mexico you need to be aware that your U.S. insurance is virtually useless in that country.

If you would involve in an accident on Mexican roads, you could be held personally responsible for any damages incurred because of your negligent action.

Without adequate insurance, you could also be made to pay additional criminal or civil penalties.

For this type of travel, you can usually purchase adequate coverage on a temporary basis from your current car insurance provider.

If your provider doesn’t offer it, there are a large number of specialty companies whose business revolves around issuing temporary travel protection plans.

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Coverage for Rental Cars


If you’ll be traveling using a rental car, you will be covered by your own car insurance to whatever degree your personal vehicles are covered.

For example, if you have full collision and comprehensive coverage on your personal vehicles, that same coverage usually will apply to rental cars.

If your current policy is inadequate to cover the value of a rental car, an additional travel protection plan is a good idea.

Again, you can probably purchase additional coverage on a temporary basis from your current insurance company.

Your other option is to purchase a policy from the car rental company. These policies tend to be a bit more expensive than what you could get from your own provider, but they are fairly comprehensive in nature.

What Is Covered with Travel Protection Plans

The types of things travel protection plans cover varies from one policy to the next.

As a general rule, you get a certain amount of liability coverage as well as roadside assistance, towing coverage, and rental car provision.

Some of the more expensive policies may also include reimbursement if an accident causes you to cancel the remainder of your travel plans.

Furthermore, you may also be able to get supplemental health coverage and accidental death and dismemberment with some plans.

As always, it’s best to thoroughly examine your insurance documents so you know exactly what is included in your coverage.

Don’t settle for a policy that provides inadequate coverage. Shop around to find exactly what you need.

Never leave your car insurance rates up to chance. Start searching for the best deal by entering your ZIP code into the FREE search tool below.

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