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市场调查报告书
商品编码
1980376
旅游保险市场规模、份额、成长及全球产业分析:按类型、应用和地区划分,并预测至2026-2034年Travel Insurance Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2026-2034 |
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2025年全球旅游保险市场价值为312.5亿美元,预计将从2026年的358.2亿美元成长到2034年的1,407.8亿美元,2026年至2034年的复合年增长率高达18.70%。
到 2025 年,在强制性保险法规和积极的国际旅行的支持下,欧洲将以 51.70% 的市场份额引领市场。
旅游保险为旅客提供财务保障,以应对与旅行相关的意外风险,例如医疗紧急情况、行程取消、行李遗失、航班延误和自然灾害。可支配收入的成长、人们对旅行风险意识的提高以及全球旅游业的扩张是推动市场成长的主要因素。
新冠疫情的影响
新冠疫情透过边境关闭和旅行禁令对全球旅游业造成了严重衝击,导致旅游保险保费暂时下降。然而,随着疫情后经济復苏、健康意识增强以及新冠疫情相关保障被纳入保险范围,旅游保险需求已加速回升。
目前,旅行者优先考虑全面的医疗保险、紧急撤离福利和旅行中断保险,这推动了市场的长期成长。
人工智慧(AI)的影响
人工智慧的应用正在透过改善客户体验和优化保险方案选择,改变旅游保险产业。保险公司正与线上旅行社 (OTA) 和数位平台合作,提供由人工智慧驱动的比较工具和自动化理赔流程。
例如,2024年10月,ICICI Lombard推出了一项由人工智慧驱动的海外旅游保险解决方案,其中包括签证费退款、租车保险、既往病史保障和极限运动保障。人工智慧提高了核保的准确性、诈欺侦测能力和个人化定价模型。
关税和贸易摩擦的影响
全球关税波动和地缘政治紧张局势对价格结构有一定影响。跨国营运成本增加可能导致价格敏感型市场的保险费上涨。贸易政策的不确定性可能影响海外旅游流量,间接影响保险需求。
市场趋势
客製化和CFAR保险
客製化旅游保险计划和「任何原因可取消 (CFAR)」保险正成为主要趋势。消费者越来越倾向于选择灵活、全面的保险方案,以满足其休閒、商务、邮轮和学生旅行等不同需求。
数位化平台和保险科技创新实现了保险产品的即时比较和便利的线上购买。 2025年5月,Just Insurance Agents Limited将其产品线更名为“Just Travel Cover”,旨在提升其数位化能力并改善用户体验。
市场动态
市场驱动因素
许多国家要求国际旅客购买医疗保险。在申根区,来自欧盟以外的游客必须购买医疗保险,这导致保险公司保费收入增加。
学生出国留学计画、企业商务旅行和个人旅行的增加正在推动保险需求的成长。中老年旅行者往往风险规避程度较高,他们是保险费成长的主要推手。
中产阶级的壮大和线上预订平台的普及正在推动全球对国际旅行的需求。
市场限制因素
地缘政治紧张局势和跨境衝突会限制国际旅行,并抑制入境和出境保险的购买。政治不稳定会对依赖旅游业的经济体产生负面影响。
市场机会
永续旅行和碳抵消
保险公司正在提供碳抵消选项,让旅客为永续性计划做出贡献。与生态旅游和绿色旅行相关的保险产品正在成为新的商机。
按旅行类型
按保险类型
按销售管道
按年龄组
欧洲
预计到 2025 年,欧洲的市场规模将达到 161.6 亿美元,到 2026 年将增至 184.8 亿美元。蓬勃发展的旅游和保险合约(对前往申根区的旅行至关重要)正在推动该地区的市场主导地位。
北美洲
航班延误和旅行取消是推动市场成长的主要因素。预计到2026年,美国市场规模将达53亿美元。
亚太地区
国际旅行的快速成长和政府的支持措施正在推动市场扩张。
南美洲、中东和非洲
旅游业的扩张、对生态旅游的投资以及多元化发展的努力,正在推动经济成长,成长从缓慢到强劲不等。
The global travel insurance market was valued at USD 31.25 billion in 2025 and is projected to grow from USD 35.82 billion in 2026 to USD 140.78 billion by 2034, exhibiting a robust CAGR of 18.70% during 2026-2034.
Europe dominated the market with a 51.70% share in 2025, supported by mandatory insurance regulations and strong outbound tourism.
Travel insurance provides financial protection against unforeseen travel-related risks such as medical emergencies, trip cancellations, baggage loss, flight delays, and natural disasters. Rising disposable income, increasing awareness of travel risks, and expanding global tourism are significantly driving market growth.
Impact of COVID-19
The COVID-19 pandemic severely disrupted the global travel industry due to border closures and travel bans. This led to a temporary decline in travel insurance premiums. However, post-pandemic recovery, increased health awareness, and inclusion of COVID-19 coverage in policies accelerated demand.
Travelers now prioritize comprehensive health coverage, emergency evacuation benefits, and trip interruption insurance, strengthening long-term market expansion.
Impact of Artificial Intelligence (AI)
AI integration is transforming the travel insurance sector by enhancing customer experience and optimizing policy selection. Insurance providers are collaborating with online travel agencies (OTAs) and digital platforms to provide AI-powered comparison tools and automated claims processing.
For instance, in October 2024, ICICI Lombard introduced an AI-driven international travel insurance solution featuring visa fee refunds, car rental coverage, pre-existing disease coverage, and adventure sports protection. AI improves underwriting accuracy, fraud detection, and personalized pricing models.
Impact of Tariffs and Trade Tensions
Global tariff fluctuations and geopolitical tensions have moderately impacted pricing structures. Increased cross-border operational costs may raise premium pricing in price-sensitive markets. Trade policy uncertainty could influence outbound tourism flows, indirectly affecting insurance demand.
Market Trends
Customized and CFAR Policies
Customized travel insurance plans and Cancel-For-Any-Reason (CFAR) policies are emerging as major trends. Consumers increasingly prefer flexible, comprehensive coverage tailored to leisure, business, cruise, and student travel.
Digital platforms and insurtech innovation are enabling real-time policy comparisons and seamless online purchases. In May 2025, Just Insurance Agents Limited rebranded Just Travel Cover to enhance digital capabilities and improve user experience.
Market Dynamics
Market Drivers
Several countries mandate medical insurance for international travelers. The Schengen region requires medical coverage for non-EU tourists, boosting premium generation.
Increasing student mobility, corporate travel, and solo tourism are expanding policy demand. Middle-aged and senior travelers, who are more risk-averse, significantly contribute to premium growth.
Expanding middle-class populations and digital booking platforms are fueling outbound tourism globally.
Market Restraints
Geopolitical tensions and cross-border conflicts may restrict international travel, limiting inbound and outbound insurance purchases. Political instability can negatively affect tourism-dependent economies.
Market Opportunities
Sustainable Travel & Carbon Offsetting
Insurance providers are offering carbon offset add-ons, allowing travelers to contribute to sustainability projects. Eco-tourism and green travel policies are emerging as revenue opportunities.
By Travel Type
By Insurance Type
By Distribution Channel
By Age Group
Europe
Europe recorded USD 16.16 billion in 2025, increasing to USD 18.48 billion in 2026. Strong tourism activity and mandatory Schengen insurance policies drive dominance.
North America
Growth is driven by flight delays and trip cancellations. The U.S. market is projected to reach USD 5.3 billion in 2026.
Asia Pacific
Rapid international travel growth and supportive government policies fuel expansion.
South America & Middle East & Africa
Tourism expansion, eco-tourism investments, and diversification initiatives are supporting moderate-to-strong growth.
Competitive Landscape
The market is highly fragmented with key players including Allianz Global Assistance, AXA Assistance, AIG Travel, Generali, Zurich Insurance Group, Chubb, Tokio Marine HCC, Berkshire Hathaway Travel Protection, Aviva, MetLife, Ping An Insurance, and others.
Strategic collaborations, acquisitions, digital expansion, and customized product launches remain key competitive strategies.
Conclusion
The global travel insurance market is set for substantial expansion, growing from USD 31.25 billion in 2025 to USD 140.78 billion by 2034, at a CAGR of 18.70%. Rising global tourism, mandatory insurance regulations, digital transformation, AI integration, and increasing health awareness are primary growth drivers. Despite geopolitical uncertainties and pricing pressures, personalized coverage, sustainable travel solutions, and expanding digital distribution channels will sustain long-term market growth through 2034.
Segmentation By Travel Type
By Insurance Type
By Distribution Channel
By End User Age Group
By Region
Companies Profiled in the Report Allianz Global Assistance (Germany), AXA Assistance (France), Generali Global Assistance (Italy), Zurich Insurance Group (Switzerland), Chubb Travel Insurance (Switzerland), Tokio Marine HCC(Japan), Mapfre Assistance (Spain), MetLife (USA), Ping An Insurance Company of China (China), and Delphi Financial Group (U.S.)