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Does State Farm Offer Travel Insurance?
Does State Farm Offer Travel Insurance?-September 2024
Sep 20, 2024 11:05 PM

Travel insurance can be a valuable benefit when you’re on a trip. With coverage such as trip delay insurance, lost baggage insurance and medical insurance, travel insurance can save you a lot of money when things go awry.

There is a wide variety of insurance providers out there, but does State Farm offer travelers insurance? The quick answer is no. Although State Farm does have several different types of insurance, including home, auto and life insurance, it doesn’t offer travel insurance.

Let’s take a look at State Farm’s insurance, some of the more common types they offer and other ways to acquire insurance while traveling.

Types of State Farm insurance

Here is the full list of the types of insurance offered by State Farm:

State Farm insurance coverage offerings

Auto insurance.

Condo owners insurance.

Homeowners insurance.

Hospital income insurance.

Life insurance.

Medicare supplement insurance.

Pet insurance.

Renters insurance.

Small business insurance.

Though State Farm doesn't technically offer travel insurance, it does offer rental car insurance and some coverage for travel expenses if your covered car is not drivable more than 50 miles from your home. This assumes your vehicle has comprehensive or collision insurance.

If you’re looking specifically for travel insurance and aren't satisfied with State Farm's limited options, there are still many different companies who are willing to provide coverage.

Different types of travel insurance

Travel insurance is a broad term. There is a wide variety of insurances from which to choose when traveling, each designed to help cover unique situations. Some of the most common types of travel insurance include:

Common types of travel insurance

Accidental death insurance.

Baggage delay insurance.

Cancel for Any Reason insurance.

Emergency evacuation insurance.

Lost luggage insurance.

Medical insurance.

Rental car insurance.

Trip cancellation insurance.

Trip interruption insurance.

The type of insurance you’ll want to purchase will depend on the trip you’re taking. Are you planning on some high-risk activities? Is there a good chance you’ll encounter a delay somewhere? Take these things into consideration when researching policies to ensure that you’re fully covered.

Finding travel insurance

Because there is such an enormous variety in travel insurance, you’ll want to do your due diligence before purchasing a policy. This means you’ll want to get several quotes — from several different companies — to see what they offer.

Aggregators such as Squaremouth or InsureMyTrip can do the work for you. First, you’ll need to input your personal information, such as your age, dates of travel and destination. If you’re looking for trip cancellation insurance, you’ll also need to enter in how much the trip itself cost.

As an example, we entered a 3-week trip to Argentina for a 32-year-old woman from California. Squaremouth returned 38 different policies out of 104 options.

Without trip cancellation coverage, we received results as low as $13.72 for the trip.

At this rate, your travel insurance policy would cover:

Up to $75,000 in emergency medical.

$200 in baggage delay insurance.

$600 for trip delays.

$1,000 in personal item loss.

Changing the coverage to include trip cancellation brings up the price, but it’s still not astronomical. With the same trip parameters, we added in a trip cost of $9,000.

Squaremouth brought back 54 policies out of 104 options, the cheapest of which cost $48.86.

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