Cat 70 travel insurance review 2022

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Cat 70 Cat 70 travel insurance

Cat 70 Cat 70 travel insurance

Cat 70 Cat 70 travel insurance

Pros Cons

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High emergency medical coverage limit

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Pre-existing medical condition exclusion waiver available, so you can still get coverage regardless of your health history

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Offers a "cancel for any reason" policy

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Premiums are generally lower than the industry average

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Only one travel insurance policy available, so there's less opportunity to customize your coverage

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Some other companies offer higher coverage amounts for trip delay and baggage loss


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  • Cat 70’s Travel Plan policy was designed for travelers who want comprehensive coverage for an affordable price. This plan provides travelers with popular benefits, including Trip Cancellation and extensive Emergency Medical Coverage.
  • Travelers whose trips are protected by Cat 70’s Travel Plan have $500,000 of Primary Emergency Medical coverage, as well as $500,000 of Medical Evacuation coverage.
  • Policy holders also have Trip Cancellation coverage for illnesses, injuries or other accidents, hurricane and weather, and terrorism. Additional benefits include Baggage and Persnonal Item Loss, Travel Delay, and Missed Connection.

Anyone taking a trip should consider travel insurance. It can help offset the cost of emergency medical care and reimburse you for lost belongings, canceled flights, or other issues that may come up while you're away.

If you're looking for a reputable travel insurance provider that offers a straightforward and easy-to-understand travel insurance policy, Cat 70 is a great option. Cat 70 is backed by the well-known and respected travel insurance comparison provider Squaremouth. Its Travel Plan, the only policy it offers, can be used for domestic and international trips.

Travel insurance plans from Cat 70

Cat 70 only offers one travel insurance plan, the aptly and simply named Travel Plan. One of the best aspects of Cat 70's Travel Plan is its sizable emergency medical coverage limit of $500,000. In addition, the plan will cover you for a wide range of other potential problems, including stolen baggage, trip delays, and more.

Below are the coverages and corresponding coverage limits of the Cat 70 Travel Plan.

Cat 70 also offers a pre-existing medical condition exclusion waiver, which means that your coverage won't be restricted because of your health history. This will apply only if you buy the Travel Plan to cover the full cost of the trip within 14 days of making your first trip deposit.

Additional coverage options from Cat 70

Cat 70 offers a "cancel for any reason" policy, which allows you to cancel your trip without being penalized, even if the reason is not already listed in the base policy. Say, for example, that you find out your favorite football team is playing an important game during your planned dates — under this coverage, you could easily get a refund. 

Cat 70's CFAR coverage will reimburse 75% of what would have been non-refundable otherwise. Just make sure to purchase Cat 70's CFAR within 14 days of initially putting down a deposit for the trip, and be mindful that claims must be made at least 48 hours before departure time.

How much does travel insurance from Cat 70 cost?

The price you pay for a policy with Cat 70 will depend on a variety of factors, including your age, travel destination, and total trip cost. We've included a few different scenarios as examples below. 

This quote is for a 35-year-old North Carolina resident traveling to Spain with a total trip cost of $5,000. 

Screenshot of sample travel insurance rate from Cat 70 for a trip to Spain

Cat 70

At $223, the cost of coverage is just 4.5% of the total trip cost, which is on the lower end of industry averages. Though that's to be expected given the younger age of the traveler.

Next, let's look at what it would cost for a 50-year-old resident of New York traveling to Argentina and spending $4,000 on their trip.

Screenshot of sample travel insurance premium from Cat 70 for a trip to Argentina

Cat 70

This policy costs a bit more than 4.5% of the total trip cost, likely due to the age of the traveler. But again, that's still a very reasonable rate when compared to market averages.

Lastly, we'll look at the price of coverage for a 40-year-old visiting New Zealand and spending $7,000 on their trip.

Screenshot of a sample travel insurance premium from Cat 70 for a trip to New Zealand

Cat 70

As expected, due to the higher trip cost compared to our other examples, this plan costs about 5% of the total trip cost. However, it's still within the industry average for travel insurance of 4-8% of the cost of the trip.

How do I file a claim with Cat 70?

To file a travel insurance claim with Cat 70, start by downloading and filling out a claims form to initiate the process. You can also call 800-567-3512 to request a claims form by mail or email.

Cat 70's claims department can be reached Monday through Friday, 9 a.m. to 5 p.m. CST at 866-477-6741, or by email at

Compare Cat 70 vs AIG

AIG Travel Guard is another popular travel insurance company. We'll use AIG Travel Guard's mid-tier Travel Guard Preferred plan to compare coverage with Cat 70.

With AIG's Travel Guard Preferred plan, you'll get trip cancellation coverage up to $150,000, trip interruption coverage up to $225,000, emergency medical coverage of $50,000, coverage for baggage loss, theft, or damage up to $1,000, and travel delay coverage of up to $800.

The piece that stands out most prominently when comparing the two is the emergency medical coverage limits. Cat 70's coverage of $500,000 is 10x more than AIG's Travel Guard Preferred plan. But otherwise, the two plans are relatively comparable, with the AIG Travel Guard Preferred plan offering a bit more coverage for travel delay and baggage loss, theft, or damage.

Compare Cat 70 vs AXA

Now we'll look at how Cat 70 compares to another popular travel insurance provider, AXA Assistance USA. AXA offers three levels of coverage, Gold, Silver, and Platinum. But for the purpose of this review, we'll use the Silver plan. 

With AXA Assistant USA's Silver plan, you'll get up to 100% of trip costs for trip cancellation and up to 150% of trip costs for trip interruptions. You'll also get $100,000 in emergency medical coverage, baggage loss coverage up to $1,500, and travel delay coverage of $1,000.

Those coverage limits are comparable to Cat 70's Travel Plan in many ways. But Cat 70's emergency medical coverage is superior. At the same time, AXA's coverage for things like baggage loss and trip delay are better. The right plan for you will depend on which coverages are most important.

Compare Cat 70 vs credit card travel insurance

Do your research before buying a travel insurance policy if you already have a great rewards credit card. Standard coverage for a rental car is often included in credit card benefits.

Say you have no non-refundable trip costs and are driving to your destination. In this scenario, the coverage from your credit card may be sufficient. Another time it could work is if you're in good health and have health insurance that covers you while overseas, and you aren't concerned with potential medical expenses during your trip.

Just remember, credit card coverage is often secondary. So if you have an accident or loss and need to file a claim, you must first file with the other insurance company before contacting your credit card provider.


In our review of Cat 70's travel insurance, we compared Cat 70's coverage alternatives to those from other reputable providers. We looked at various coverage choices, claim limitations, what is covered, available extras, and extra services provided by the company.

When selecting a policy, the most crucial aspect isn't simply the cost — it's ensuring that you're getting adequate coverage, too. Filing a claim should be straightforward if you ever have to utilize your policy.

Cat 70 — frequently asked questions (FAQ)

Yes. Cat 70 is a reputable company that offers solid travel insurance coverage. More specifically, Cat 70 gets high marks for the plan's primary medical benefits and high medical coverage limits.

Cat 70 offers just one travel insurance policy option, called the Travel Plan. It offers coverage for trip cancellation, trip interruption, baggage loss, medical emergencies and more. You can also add on coverage for pre-existing conditions, and to cancel your trip for any reason without losing out on all your expenses.

Yes. SquareMouth, the company behind Cat 70, is a great tool for searching for travel insurance providers and offers its own travel insurance options. The company provides a high level of customer service and is well-known in the insurance space.

Meghan Hunter is a personal finance and travel expert who has been writing about travel, credit cards, and miles and points since 2015. Previously, she worked as a writer and editor at Million Mile Secrets and The Points Guy. She covers travel, credit cards, and travel insurance for Personal Finance insider.Beyond travel, she's passionate about real estate investing and encouraging women toward financial independence. When she's not writing or editing, you can find her looking for her next investment or reviewing her retirement goals.Meghan lives in Portugal with her adventure-loving daughter. 

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