{"id":2109,"title":"Costco Travel Insurance for Members in 2026: Coverage, Costs, and What to Check","slug":"costco-travel-insurance-for-members-in-2026-coverage-costs-and-what-to-check","lang":"en","description":"A trip can involve many unexpected risks, from cancellations and delays to medical emergencies or lost baggage. For Costco members, Costco Travel Insurance may be worth considering to help reduce some financial losses when covered events occur. However, travel insurance does not cover every incident. Actual benefits depend on the selected plan, the cause of the loss, policy limits, the traveler’s state of residence, and the documentation submitted with a claim.","content":"

Understanding Costco Travel Insurance

Costco Travel Insurance is a commonly used term for travel insurance options made available to Costco members through the Costco Travel program.

Costco does not directly issue or underwrite the policies. The current program is provided by Cover-More Inc., a Zurich company, through CWC Travel Inc. for Costco Travel. Coverage is underwritten by individual member companies of Zurich in North America.

Organization	Role
Costco Travel	Helps members access the program
Cover-More	Operates the travel insurance options
Zurich member companies	Underwrite the insurance coverage
Zurich Travel Claims Administration	Receives and processes claims

The policy documents and Confirmation of Coverage determine the actual benefits. Costco does not decide whether a particular incident is covered or how much may be reimbursed.

Who Can View the Insurance Options?

The Cover-More portal requires users to enter their Costco Member ID and the primary member’s last name to verify membership. The portal also asks whether the trip was booked through Costco Travel, with both “Yes” and “No” available as answers.

This means members should not assume that every plan applies only to trips booked directly through Costco Travel. The available options must be checked after membership verification and the entry of relevant trip details.

According to the current program information, travel insurance is not available to New York residents. Availability and policy terms may also vary by state.

The current Domestic and International Plan documents state that the insurance provides short-term benefits for trips that take the traveler at least 100 miles from their primary residence. Buyers should review the policy issued in their state to confirm that their trip meets the definition of a Covered Trip.

Domestic vs. International Costco Travel Insurance

The table below summarizes selected maximum benefits currently published for each insured traveler.

Benefit	Domestic Plan	International Plan
Trip Cancellation	Up to 100% of trip cost, maximum $100,000	Up to 100% of trip cost, maximum $100,000
Trip Interruption	Up to 150% of trip cost, maximum $150,000	Up to 150% of trip cost, maximum $150,000
Travel Delay	Up to $2,000; $500 per day	Up to $2,000; $500 per day
Missed Connection	Up to $1,000	Up to $2,000
Baggage and Personal Effects	Up to $1,000; $500 per item	Up to $3,000; $500 per item
Baggage Delay	Up to $200	Up to $200
Emergency Medical Expense	Up to $100,000	Up to $200,000
Emergency Dental Expense	Up to $1,000	Up to $1,000
Emergency Evacuation and Repatriation	Up to $500,000	Up to $1,000,000
Travel Assistance Services	Included	Included

The Domestic and International limits are listed in each plan’s Schedule of Benefits. Coverage applies only under the plan purchased and remains subject to policy definitions, exclusions, limitations, and state-specific variations.

Travel Delay currently requires a delay of at least five hours due to a covered reason. Baggage Delay applies when baggage is delayed for at least 12 hours. Missed Connection coverage applies to flights and cruises and is subject to minimum delay periods and other policy conditions.

When May Trip Cancellation Coverage Apply?

Trip Cancellation may reimburse certain prepaid and nonrefundable travel expenses when an insured traveler must cancel because of a covered reason.

Listed reasons may include certain cases involving:

Sickness, injury, or death
A traffic accident while traveling to the departure point
Transportation services affected by severe weather
A named hurricane or mandatory evacuation
A home or destination accommodation becoming uninhabitable
Theft of a required passport or visa
Certain cases of involuntary employment termination
Quarantine, jury duty, or a subpoena
Certain cases of travel supplier financial insolvency

Not every storm, canceled flight, or change of plans qualifies. Each covered reason has its own definition, timing requirements, and documentation rules.

Any reimbursement may also be reduced by refunds or travel credits that the traveler has received or may be entitled to receive.

Pre-Existing Medical Conditions

A standard policy may exclude losses related to pre-existing medical conditions, unless the traveler qualifies for a waiver of that exclusion.

Under the current information, buyers generally need to meet three main conditions:

Purchase the plan within 21 days of the initial trip payment.
Insure the full cost of the trip.
Be medically fit to travel when purchasing the plan.

Conditions may vary by state. Receiving the waiver does not mean that every medical event will be covered. Other policy definitions, exclusions, and benefit limits still apply.

Costco Travel currently notes that the pre-existing medical condition exclusion does not apply in the same way to New Hampshire residents.

Cancel For Any Reason – CFAR

Cancel For Any Reason, or CFAR, is an optional upgrade. CFAR differs from standard Trip Cancellation coverage because it may reimburse part of the insured trip cost when the cancellation reason is not included among the standard covered reasons.

CFAR Condition	Current Published Requirement
Reimbursement	Up to 50% of insured trip cost
Maximum benefit	$5,000
Purchase deadline	Within 21 days of the initial trip payment
Cancellation deadline	At least three days before departure
Trip cost	The full trip cost must be insured
Domestic Plan	Plan must be purchased at least 30 days before departure
International Plan	Plan must be purchased at least 60 days before departure

CFAR is not automatically included and must be selected when the original plan is purchased.

Travel arrangements added later may also need to be declared and insured within the required timeframe. The current Schedule of Benefits limits the maximum CFAR benefit to $5,000.

How Is Costco Travel Insurance Cost Determined?

There is no single Costco Travel Insurance cost that applies to every member or trip.

Members must verify their membership and complete the quote process to view available plans and current premiums. When comparing options, travelers should not focus only on the premium. A lower-priced plan may have medical, baggage, or cancellation limits that do not match the traveler’s needs.

Before choosing a plan, check:

The total insured trip cost
Domestic or international coverage
Emergency medical and evacuation limits
Whether CFAR has been selected
The waiting period for Travel Delay
Per-item baggage limits
Any applicable deductible
Existing coverage from a credit card or another insurance policy
Expenses that may be refundable by travel suppliers

Important Exclusions

Depending on the policy and state, coverage may exclude or limit incidents involving:

Pre-existing conditions when no waiver applies
Professional sports or organized athletic competition
Motor racing, off-road driving, or certain high-risk activities
War or civil disorder
Elective medical treatment
Trips taken for the purpose of obtaining medical treatment
Events occurring outside the coverage period
Certain situations involving drugs or alcohol
Losses caused by intentional acts or illegal activities

This is not a complete list. Buyers should review the Exclusions and Limitations section of the policy issued in their state.

The name or severity of an event does not automatically determine whether a claim will be paid.

Costco Travel Insurance Claim: Documents to Prepare

Claims are submitted to and processed by Zurich Travel Claims Administration, not through a Costco warehouse or Costco customer service department.

The basic process includes:

Report the loss and describe what happened.
Provide the trip dates, plan purchase date, and amounts paid.
Submit evidence showing the cause of the loss.
Attach receipts and supporting documents.
Keep copies of all records and correspondence.

Depending on the type of claim, the traveler may need:

Booking confirmations and trip invoices
Proof of payment
The travel supplier’s cancellation terms
Medical records or an Attending Physician’s Statement
Delay or cancellation confirmation from a transportation provider
Baggage reports or police reports
Receipts for additional expenses
Confirmation of refunds or travel credits already received

Cover-More states that a claim generally requires a description of the loss, trip information, purchase details, the amounts paid, evidence of the loss, and relevant receipts.

Frequently Asked Questions

Is Costco Travel Insurance only for trips booked through Costco Travel?

The quote portal asks whether the trip was booked through Costco Travel and provides both “Yes” and “No” options. Members must verify their membership and enter their trip details to view the options available to them.

How far from home must the trip be?

The current Domestic and International Plan documents describe travel insurance benefits for trips that take the traveler at least 100 miles from home. Buyers should review the definition of Covered Trip in their state-specific policy.

Does the International Plan cover medical emergencies?

The International Plan currently lists Emergency Medical Expense coverage of up to $200,000 and Emergency Evacuation and Repatriation coverage of up to $1,000,000 per insured traveler. Policy conditions and limits apply.

Does purchasing insurance guarantee that a claim will be paid?

No. Claims are reviewed according to the cause of the loss, policy terms, benefit limits, and the documentation submitted.

Should the plan be purchased immediately after booking a trip?

Early purchase may be necessary for travelers seeking to qualify for a pre-existing medical condition waiver or CFAR. The currently published deadline for both is generally within 21 days of the initial trip payment.

Can the policy be canceled after purchase?

Current program documents provide a free look period of 21 days after receiving the plan, with a 30-day period in certain states. To qualify for a refund, the traveler generally must not have departed and must not have experienced a covered loss. The state-specific policy controls.

Disclaimer

This is an independent informational guide and is not Costco, Costco Travel, Cover-More, CWC Travel, or Zurich. This website does not sell insurance, provide quotes, issue policies, determine coverage, or process claims.

Plan availability, premiums, benefits, exclusions, and purchase requirements may change. The policy and Confirmation of Coverage control if there is any difference between this guide and the insurance documents.

References

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