Aegis General Insurance Agency offers travel insurance plans under its Go Ready Insurance subsidiary. This provider provides a suite of customizable plans instead of one-size-fits-all plans and coverages.
With Aegis travel insurance, you can choose from single-trip and annual multitrip policies, as well as cruise-specific plans.
Here’s what to know about this travel insurance plan that gives you flexibility starting at a mid-range price.
Aegis travel insurance offerings
Through Aegis, you’ll find a handful of travel insurance plan tiers:
Choice. Best for travelers who are planning a single trip and want budget-friendly, comprehensive coverage.
Elite. A comprehensive travel insurance option that provides more coverage options and higher limits.
Cruise. A plan that’s designed specifically with comprehensive coverages that cruise-goers want.
Trip Cancellation. A plan that’s useful if you’re traveling domestically and want affordable cancellation coverage.
What Aegis travel insurance covers
The best part about Aegis is its array of coverages and upgrades that let you build a bespoke travel insurance plan. Even if you opt out of the options coverages, Aegis travel insurance plans include what you’d expect from comprehensive policies:
Travel delay. Get reimbursed for food, lodging, and transportation expenses incurred due to a covered event.
Baggage delay. If your bags are delayed for 24 hours or more, most Aegis plans reimburse you for key personal items.
Missed connection. Offers secondary coverage for out-of-pocket expenses that you incur if you missed a connection due to a covered event.
Medical and dental. Covers unexpected emergency illness that occurs during your trip
Preexisting conditions waiver. Certain plans include the preexisting conditions waiver which can help you qualify for a claim, if you were undergoing treatment for an illnesses or injury during the “lookback period” — about three to six months prior to your policy purchase date.
Emergency evacuation and repatriation. Provides coverage for medically necessary transportation, and returning your remains home in the event of death.
Accidental death and dismemberment. Offers coverage for loss of life or limb, in the event of an accident.
Aegis also offers CFAR coverage, but only as an add-on upgrade to an existing plan purchase. A CFAR upgrade helps you recoup 50%–75% of non-refundable trip costs if you cancel at least 48 hours before your departure.
Aegis detailed policy review
Based on a seven-day vacation to Mexico from October 1–7, 2026, for a 45-year-old traveler from Illinois, here’s a policy and coverage overview.
Type of coverage
Coverage limits
Trip cancellation
Choice: Up to 100% of insured trip cost.Priority Plus: Up to 100% of insured trip cost.Elite: Up to 100% of insured trip cost.Cruise: Up to 100% of insured trip cost.Trip Cancellation: Up to 100% of insured trip cost.
Trip interruption
Choice: 125% of insured trip cost.Priority Plus: 150% of insured trip cost.Elite: 150% of insured trip cost.Cruise: 150% of insured trip cost.Trip Cancellation: Not included.
Travel delay
Choice: $200 per person daily; $2,000 overall limit per person.Priority Plus: $200 per person daily; $750 overall limit per person.Elite: $250 per person daily; $1,500 overall limit per person.Cruise: $200 per person daily; $1,000 overall limit per person.Trip Cancellation: Not included.
Missed connection
Choice: $500 per person; minimum 3 hours delay.Priority Plus: $250 per person; minimum 5 hours delay.Elite: $1,000 per person; minimum 3 hours delay.Cruise: $750 per person; minimum 3 hours delay.Trip Cancellation: Not included.
Emergency medical/dental
Choice: Up to $50,000 per person; $1,000 per person dental.Priority Plus: Up to $25,000 per person; $500 per person dental.Elite: Up to $20,000 per person; $2,000 per person dental.Cruise: Up to $100,000 per person; $1,000 per person dental.Trip Cancellation: Not included.
Baggage delay
Choice: Up to $200 per person.Priority Plus: Up to $500 per person.Elite: Up to $750 per person.Cruise: Up to $750 per person.Trip Cancellation: Not included.
Baggage and personal belongings
Choice: Up to $500 per person.Priority Plus: Up to $1,500 per person.Elite: Up to $2,500 per person.Cruise: Up to $1,500 per person.Trip Cancellation: Not included.
What Aegis plans do not cover
Like any other travel insurance plan, Aegis’ policy specifies general exclusions that wouldn’t be covered under its plans. Below are some exclusions that would be covered in the event of a loss:
Pregnancy.
Mental health-related events or disorders.
Off-roading.
Participating in organized sports at any level.
Extreme outdoor activities (e.g. skydiving, parachuting, cliff diving, mountaineering).
Underwater activities in water depths of 75 feet or more.
How Aegis travel insurance compares to its competitors
Company
Star rating
Basic plan cost
Premium plan cost
Generate a quote
Berkshire Hathaway Travel Protection
$52.
$112.
Tin Leg
$65.
$147.
WorldTrips Travel Insurance
$71.
$91.
World Nomads
$83.60.
$256.50.
Trawick International
$55.84.
$88.94.
AXA Assistance USA
$73.07.
$135.62.
AEGIS (GoReady) Travel Insurance
$69.
$84.72.
HTH Travel Insurance
$73.
$116.51.
Seven Corners
$75.
$126.
Travel Insured International
$74.
$162.
Allianz Global Assistance
$89.
$174.
USI Affinity Travel Insurance Services
$148.20.
$214.20.
AAA
$101.
$146.
IMG
$74.85.
$114.20.
Travel Guard
$81.06.
$160.13.
Arch RoamRight
$103.
$121.
How much is Aegis travel insurance?
Based on the data we pulled across multiple insurers for the same traveler profile, the average basic-level coverage was $80.
Aegis’ travel insurance lowest-tier plan, Choice, was priced at $69, cheaper than approximately two-thirds of the plans we compared.
For the same sample trip, Aegis also offers other plans, ranging from $74 for Priority Plus to $94 for the Cruise Plan.
Which Aegis plan is best for me?
To choose the right plan for your needs, consider where you’re visiting, how you’ll get there, and the activities you’ve planned on your itinerary.
The Cruise plan, for example, can help you access higher coverage limits that might come in handy during a seafaring journey. For example, a $750 per person coverage — versus $250 per person limit under the Priority Plus plan — if you missed your cruise due to a delayed or canceled flight.
Ultimately, deciding which plan makes the most sense for you entirely depends on your personal preferences, risk tolerance, and trip details.
Does Aegis offer 24/7 travel insurance?
Yes, Aegis travel insurance specialists are available 24 hours a day, seven days a week regardless of your time zone. Their multilingual associates can be reached any time of day at the following phone numbers:
Customer Service: 866-753-0945, Option 2
Emergency Assistance: 877-317-3472 (toll free), or 305-455-0896.
How to file a claim with Aegis travel insurance
Aegis offers its Stress Less Benefits which help you avoid further disruption to your trip in the event of a covered event. Just call its 24/7 Emergency Assistance Team and they can assist by helping you navigate your plan’s coverages and paying medical and emergency providers upfront.
Each plan has its own list of Stress Less Benefits. For example, with Go Ready Choice, Stress Less is available for trip interruption, medical and dental events, and emergency assistance to name a few.
If you need to file a claim for an event that’s outside of your policy’s Stress Less Benefits, you’ll need to go through the typical claims process. Here’s how:
Contact Aegis. Call, email, or speak to a live chat call center representative who can offer clarity about your policy coverage and necessary supporting documents.
Await document prescreen. Aegis will prescreen the documents you submitted to ensure that it has all of the correct information to process your claim.
Upload documents and forms to the online portal. Once the documents clear the pre-screening process, Aegis will email additional claims paperwork and a link to the online claims portal you’ll use for submission.
Wait for claim processing. Processing the claim can take seven to 10 business days from the date you submitted all of your necessary forms and documents.
Receive your reimbursement. If the claim is cleared and is covered under your policy, Aegis will mail you a check.
Is Aegis travel insurance worth it?
The biggest advantage of Aegis travel insurance is that you can build a plan that best fits your preferences. If you have an unpredictable work schedule, for example, the Choice plan has an optional Cancel for Work Reasons upgrade.
Frequently Asked Questions
Aegis offers a variety of policy coverage tiers, including niche plans for cruise-goers and a standalone Trip Cancellation plan that offers peace of mind should you need to cancel your trip due to a covered reason.
Aegis is a major travel insurance provider, but determining the most trusted travel insurance company is subjective. Instead, find the best travel insurance company by comparing coverage limits, pricing, claims process ease and the responsiveness of the insurer’s customer support team.
Aegis travel insurance is provided through the provider’s Go Ready Insurance plans. Its operations are based in Harrisburg, Pennsylvania, and travelers can access 24/7 support worldwide.
Travel insurance
NerdWallet’s ratings for travel insurance companies take into account the following details about each insurer:
The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They’re also able to keep their customers happy throughout the relationship.
Data collection and review process
NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet’s standards for good travel insurance companies to determine a star rating.
Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents “poor” and a five-star score represents “excellent.”
The reviews team
In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.
Rating specifics
Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:
Scope of coverage ratings are based on assessments of a company’s standard protections, including:
Travel medical insurance.
Trip cancellation.
Trip interruption.
Trip delay.
Baggage and personal belongings, lost luggage.
Emergency medical assistance.
Emergency medical evacuation.
Emergency medical repatriation.
Accidental death and dismemberment insurance.
Rental car coverage.
Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.
24-hour assistance.
Pre-existing medical conditions coverage.
Extreme sport coverage.
CFAR add on availability.
Travel health insurance.
Interruption for Any Reason.
Travel Inconvenience.
Cancel for Work Reasons.
Electronics coverage.
Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.
Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.
How to maximize your rewards
About the author
A Los Angeles native, Jennifer is a freelance personal finance writer and editor whose goal is to help readers get excited about improving their financial health. She loves using credit card rewards points toward airfare, and recently took a round-trip flight to Southeast Asia entirely on points. Her work has been featured by Forbes, HuffPost, MSN Money and Business Insider.
