If you currently serve, or have served, in the U.S. armed forces and are planning a vacation, did you know that you have access to travel insurance benefits through USAA?

Founded in 1922 by a group of U.S. Army officers, USAA is a well-established Fortune 500 company with more than 13 million members as of 2020. USAA offers financial products including banking, investing and insurance to people and families who serve or have served in the U.S. military.

When you become a member of USAA (which is free if you qualify), you have access to various benefits, products and discounts, including travel insurance, which can help protect you and your nonrefundable plans if something derails your vacation. USAA’s trip insurance plans are administered by Travel Insured International, a company with over 25 years in the industry.

Here’s a look at various travel insurance options offered by USAA to help you decide if the policies are right for you.

What travel insurance plans does USAA offer?

USAA offers single-trip plans. Coverage begins when you purchase a policy and ends when you return home from your trip.

Because you have to be a member to view USAA plans, NerdWallet reached out to a USAA representative with two sample trips: a two-week trip to Italy by a 40-year-old from Hawaii ($5,000 estimated cost) and a one-week trip to Mexico by a 60-year-old from Nebraska ($3,000 estimated cost).

For both trips, we received three travel insurance plan options to choose from:

  • Worldwide Trip Protector, which also offers Cancel For Any Reason, or CFAR, as an optional add-on.

  • Worldwide Trip Protector Lite.

  • Travel Medical Protector.

It’s important to note that travel insurance policies depend on your state of residency; your USAA travel insurance plan options may differ from above if you live in another state.

USAA travel insurance cost

The total cost for coverage typically varies based on your total trip cost and your age. Generally, USAA’s Travel Medical Protector plans are more affordable than its other options. This difference in price is due to benefits and limits offered in each of the plans (more on this next).

How much does USAA travel insurance cost? Here’s how it breaks down between our two sample itineraries.

Trip 1: $5,000, two-week trip to Italy by a 40-year-old from Hawaii

Worldwide Trip Protector Lite

Worldwide Trip Protector with CFAR

Trip 2: $3,000, one-week trip to Mexico by a 60-year-old from Nebraska

Worldwide Trip Protector Lite

Worldwide Trip Protector with CFAR

About USAA’s travel insurance benefits

Below is the list of benefits offered broken down by plan, along with the limits.

Worldwide Trip Protector Lite

Missed tour/cruise connection

Accident and sickness medical expense

Emergency medical evacuation and repatriation

Medical evacuation and repatriation of remains

Baggage and personal effects

Optional rental car damage

Nonmedical emergency evac

Political/security evac and natural disaster evac

Accidental death and dismemberment – 24 hour

If you already have a premium travel credit card and you’re satisfied with the travel insurance limits, you may be