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市場調查報告書
商品編碼
1980376
旅遊保險市場規模、佔有率、成長及全球產業分析:按類型、應用和地區的洞察,2026-2034年預測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年全球旅遊保險市場價值為312.5億美元,預計將從2026年的358.2億美元成長到2034年的1,407.8億美元,2026年至2034年的年複合成長率高達18.70%。
到2025年,在強制性保險法規和積極的國際旅行的支持下,歐洲將以 51.70%的市場佔有率引領市場。
旅遊保險為旅客提供財務保障,以應對與旅行相關的意外風險,例如醫療緊急情況、行程取消、行李遺失、航班延誤和自然災害。可支配收入的成長、人們對旅行風險意識的提高以及全球旅遊業的擴張是推動市場成長的主要因素。
新冠疫情的影響
新冠疫情透過邊境關閉和旅行禁令對全球旅遊業造成了嚴重衝擊,導致旅遊保險保費暫時下降。然而,隨著疫情後經濟復甦、健康意識增強以及新冠疫情相關保障被納入保險範圍,旅遊保險需求已加速回升。
目前,旅行者優先考慮全面的醫療保險、緊急撤離福利和旅行中斷保險,這推動了市場的長期成長。
人工智慧(AI)的影響
人工智慧的應用透過改善客戶體驗和最佳化保險方案選擇,改變旅遊保險產業。保險公司正與線上旅行社(OTA)和數位平台合作,提供由人工智慧驅動的比較工具和自動化理賠流程。
例如,2024年10月,ICICI Lombard推出了一項由人工智慧驅動的海外旅遊保險解決方案,其中包括簽證費退款、租車保險、既往病史保障和極限運動保障。人工智慧提高了核保的準確性、詐欺偵測能力和個人化定價模型。
關稅和貿易摩擦的影響
全球關稅波動和地緣政治緊張局勢對價格結構有一定影響。跨國營運成本增加可能導致價格敏感型市場的保險費上漲。貿易政策的不確定性可能影響海外旅遊流量,間接影響保險需求。
市場趨勢
客製化和CFAR保險
客製化旅遊保險計劃和「任何原因可取消(CFAR)」保險正成為主要趨勢。消費者越來越傾向於選擇靈活、全面的保險方案,以滿足其休閒、商務、郵輪和學生旅行等不同需求。
數位化平台和保險科技創新實現了保險產品的即時比較和便利的線上購買。2025年5月,Just Insurance Agents Limited將其產品線更名為「Just Travel Cover」,目的是提升其數位化能力並改善用戶體驗。
市場動態
市場促進因素
許多國家要求國際旅客購買醫療保險。在申根區,來自歐盟以外的遊客必須購買醫療保險,這導致保險公司保費收入增加。
學生出國留學計畫、企業商務旅行和個人旅行的增加推動保險需求的成長。中老年旅行者往往風險規避程度較高,他們是保險費成長的主要推手。
中產階級的壯大和線上預訂平台的普及推動全球對國際旅行的需求。
市場限制因素
地緣政治緊張局勢和跨境衝突會限制國際旅行,並抑制入境和出境保險的購買。政治不穩定會對依賴旅遊業的經濟體產生負面影響。
市場機會
永續旅行和碳抵消
保險公司提供碳抵消選項,讓旅客為永續性計劃做出貢獻。與生態旅遊和綠色旅行相關的保險產品成為新的商機。
依旅行類型
依保險類型
依銷售管道
依年齡層
歐洲
預計到2025年,歐洲的市場規模將達到 161.6億美元,到2026年將增至 184.8億美元。蓬勃發展的旅遊和保險合約(對前往申根區的旅行非常重要)推動該地區的市場主導地位。
北美洲
航班延誤和旅行取消是推動市場成長的主要因素。預計到2026年,美國市場規模將達53億美元。
亞太地區
國際旅行的快速成長和政府的支持措施推動市場擴張。
南美洲、中東和非洲
旅遊業的擴張、對生態旅遊的投資以及多元化發展的努力,推動經濟成長,成長從緩慢到強勁不等。
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.)