#travel insurance #Upgraded Points #Survey Results

Understanding Travel Insurance Trends Among Americans in 2025

In a recent survey conducted by Upgraded Points, over 2,300 travelers from various parts of the United States shared their travel insurance habits for 2025. The insights gathered highlight substantial trends, regional differences, and demographic variations that reveal how Americans perceive the risks of traveling without insurance.

Survey Insights and Key Findings

This comprehensive survey focused on several key areas, including the frequency of insurance purchases, the amount spent on coverage, and the types of expenses most travelers seek to protect. Here are some of the overarching trends:

• - Lifetime Insurance Uptake: Approximately 58.6% of participants reported that they had purchased travel insurance at least once in their lifetime, while 41.5% stated they had never bought it.
• - 2025 Coverage Gap: A notable 63% of respondents indicated that they bypassed travel insurance entirely for their trips this year, sparking concerns over the safety of travelers who choose to skip this critical safety net.
• - Expensive Insured Items: The survey identified that the most commonly insured items include flights (54.8%), car rentals (44.8%), and hotel bookings (34.5%).
• - Leadership by State: Among various regions, Maryland leads the pack with 49% of its travelers insuring their trips, closely followed by California (48.2%), Louisiana (48.1%), and Texas (46.6%).
• - Budgeting for Protection: A majority of Americans, about 59%, allocate less than 5% of their overall travel budget towards insurance premiums.
• - Perceived Risks: Interestingly, 43.2% of the respondents viewed travel without insurance as only