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Published: Sep 25, 2024 20 min read

Best Travel Insurance Main Takeaways

  • Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses.
  • Purchase travel insurance right after booking the trip to ensure the best coverage.
  • Our top picks include Seven Corners, Generali Global Assistance and TravelInsured.com.
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  • Coverage for Theft, Cancellations, Lost Baggage, Medical Expenses & more
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COVID-19 coverage is available and/or may be included as an add-on

  • “Cancel For Any Reason” (CFAR) availability 
  • Includes trip cancellation, baggage delay/loss, and flight delays
  • Emergency medical expenses coverage are included in the coverage
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  • Quote & Compare Best Travel Insurance 
  • Same Price as Purchasing Directly from the Providers
  • Trip Cancellation, Medical & Cancel for Any Reason Policies
  • Cruise Insurance, Group Travel & Annual Policies
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Trip cancellation insurance for U.S. and non-U.S. residents

  • Coverage for trip cancellations, delays, medical emergencies, and more
  • Group travel products available 
  • Top-rated cruise insurance plans, adventure travel insurance and International Student Insurance available 

     
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Get an Instant Quote from AIG Travel Guard

  • Domestic, Road Trips & Weekend Travel Coverage 
  • Coverage for International Trips
  • Cruises, Family Travel, Seniors
  • 24/7 Emergency Assistance

 

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  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation & Interruption
  • Lost, Stolen, Damaged, or Delayed Baggage
  • Travel Accident Insurance
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Over 190 years of experience – Travel Smarter™  with Generali Group

  • Enjoy quick resolutions with your own global 24/7 travel assistance team
  • Coverage for all types of trips: domestic, international, cruises, vacation rentals, and more
  • Covid-19 illness coverage including lodging
  • Up to $250,000 in medical coverage and $1 million in evacuation

     

Why Trust Us?

To select our top picks, our team vetted 15 companies. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups. Read the full methodology to learn more.

  • 15+ data points considered
  • 13 insurers reviewed
  • 1,000+ hours of research

Our Top Picks for the Best Travel Insurance

Note: The following companies are listed in alphabetical order.

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Best Travel Insurance Reviews


COVID-19 coverage

Yes

Age restrictions

Insures travelers of all ages

Optional coverage

CFAR, pre-existing condition waiver, additional medical coverage

AM Best rating

A

Pros
  • Lodging expense benefit
  • Trip saver and exchange specialized coverage included
  • A child 17 and under is covered per insured
  • Covers trips to Cuba if the traveler provides additional documentation
Cons
  • High cost of premiums
  • Most add-ons are not available for the basic plan

Why we chose it: We chose AIG Travel Guard as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans.

AIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed.

Another of AIG's specialized insurance products is lodging expense coverage. This benefit is for travelers who test positive for COVID-19 and must remain abroad until they present a negative test result. There's also a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance.

Read AIG Travel Insurance Review


COVID-19 coverage

Yes

Age restrictions

Insures travelers of all ages

Optional coverage

Rental car collision/loss

AM Best rating

A+

Pros
  • Epidemic coverage endorsement
  • Allianz TravelSmart App
  • Annual plan geared to business travelers
  • 24-hour multilingual assistance hotline
Cons
  • Low medical coverage
  • No "cancel for any reason" benefit

Why we chose it: Allianz Travel is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection.

Allianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more.

Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.

Read Allianz Travel Insurance Review


COVID-19 coverage

Yes

Age restrictions

Insures travelers of all ages

Optional coverage

Rental car damage, Cancel for Any Reason

AM Best rating

A+

Pros
  • Offers 24-hour emergency assistance services
  • Up to $1K upfront payment for acute medical treatment
  • Car rental damage add-on available
Cons
  • Pre-existing condition coverage only available in the Premium plan
  • High premium costs
  • "Cancel for any reason" only available for the Premium plan

Why we chose it: Generali Global Assistance is our choice for the best travel insurance for emergency support services because all of its policies include 24-hour Travel Support, which can provide immediate assistance for problems that might arise during a trip — from medical emergencies to identity theft.

Travelers can choose between three plans — Standard, Preferred and Premium — that cover trip cancellation, trip interruption, travel delay, and baggage damage, loss or theft. Each plan also covers medical and dental emergencies up to specific payout limits (from $50,000 to $250,000 per person).

Both its Preferred and Premium plans include trip cancellation benefits or trip interruption in case a travel supplier — say, a cruise company, hotel or rental car company — becomes insolvent and can no longer offer its services.

Read Generali Global Assistance Travel Insurance Review


COVID-19 coverage

Yes

Age restrictions

Insures travelers up to 95 years of age

Optional coverage

CFAR, International Expatriate Travel coverage

AM Best rating

A (Nationwide)

Pros
  • Travel medical insurance for groups of five or more
  • International expatriate comprehensive coverage
  • Passport app to find doctors, pharmacies, and translations of drug names
  • Pet medical expense coverage
Cons
  • 12-hour wait for bag delay coverage (24 hours under the economy plan)
  • "Cancel for any reason" option is only offered in the Preferred plan
  • Eligibility for the multi-trip plan requires primary health insurance

Why we chose it: HTH Travel Insurance is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students. Its Xplorer Plan features no deductible for office visits, no waiting periods for preventive care services, and no waiting period for pre-existing conditions with proof of prior coverage.

HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment.

Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.

Read HTH Worldwide Travel Insurance Review


COVID-19 coverage

Yes

Age restrictions

Insures travelers up to 81 years of age

Optional coverage

Rental car collision/loss, accidental death & dismemberment

AM Best Rating

A

Pros
  • Offers a pre-existing condition waiver
  • 24-hour assistance
  • Multi-trip plans
Cons
  • Must wait 12 hours before bag delay coverage
  • "Cancel for any reason" only available for the Premium plan
  • Few options for additional coverage.

Why we chose it: We picked Nationwide as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs.

Nationwide's emergency medical coverage starts at $75,000, and all three plan tiers include “cancel for work reasons” coverage, a $500 return-home-early benefit, $200 in coverage for shipboard service disruption, and $25,000 for non-medical evacuations.

Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.

Read Nationwide Travel Insurance Review


COVID-19 coverage

Yes

Age restrictions

Insures travelers 14 days of age to 100 years old

Optional coverage

Cancel for Any Reason, Interruption for Any Reason, Event Ticket Registration Fee

AM Best rating

A (United States Fire Insurance Company)

Pros
  • Coverage from five up to 364 days
  • Allows coverage extensions
  • Website includes sample scenarios to illustrate how the coverage works
Cons
  • Hazardous activities not included in coverage (add-on only)
  • Different plan options for WA, NY, PA, and MO residents

Why we chose it: We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.

Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains.

In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24/7 multilingual customer service.

Read Seven Corners Travel Insurance Review


COVID-19 coverage

Yes

Age restrictions

Insures travelers of all ages

Optional coverage

Pre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage

AM Best rating

A++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group)

Pros
  • Flight insurance plans available
  • Pre-existing conditions waiver
  • Several upgrades available
Cons
  • Upgrades not available for the Basic plan
  • Customer service has limited operating hours

Why we chose it: Travelex is our choice as the best travel insurance for families with children because it offers two plans that cover family members under 17 at no additional cost.

Travelex Insurance Service features two main plans for international trips, Travel Basic and Travel Select — plus a Travel America plan for trips in the USA. Both plans include children 17 and under at no additional cost.

The Travel Basic is an affordable plan perfect for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to $2,000 for trip delays or missed connections.

Read Travelex Insurance Services Review


COVID-19 coverage

Depends on the company

Age restrictions

Depends on the company

Optional coverage

Depends on the company

AM Best rating

N/A

Pros
  • Shows results from the top-rated insurers
  • Offers helpful tips and articles
Cons
  • Site only shows all add-ons available at checkout
  • You may prefer a company that isn't on the marketplace

Why we chose it: We picked TravelInsurance.com as the best travel insurance for comparing quotes because users can quickly and easily view plan details and prices from some of the top travel insurance providers.

TravelInsurance.com is a travel insurance comparison platform that facilitates the shopping process by connecting users with top-rated carriers. It breaks down coverage options and presents policies in a simple table for easy comparison.

This marketplace simplifies the process for travelers to input their trip details and receive customized quotes based on factors such as trip cost, duration and traveler age. The results page presents essential coverage information, reviews, ratings and a link to each provider's COVID-19 policy FAQs.

Read TravelInsurance.com Review


 

Pros
  • Emergency medical $100,000 (accident and sickness)
  • Buy more while traveling
  • 24/7 emergency support (Generali Global Assistance)
Cons
  • Does not cover pre-existing conditions
  • No "cancel for any reason" option offered
  • Trip Cancellation/Interruption coverage low compared to other providers ($2.5K-$10K)

Why we chose it: World Nomads is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies.

Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft.

While most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's "Buy While Traveling" plan. Those who already purchased a policy can also extend their coverage to keep exploring.

Read World Nomads Travel Insurance Review

HIGHLIGHTS
COVID-19 coverage
Yes
Age restrictions
Insures travelers under 70 years of age
Optional coverage
None
AM Best rating
A+ (Underwritten by Nationwide)

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Digital Travel Insurance

COVID-19 coverage is available and/or may be included as an add-on

  • “Cancel For Any Reason” (CFAR) availability 
  • Includes trip cancellation, baggage delay/loss, and flight delays
  • Emergency medical expenses coverage are included in the coverage

Largest selection of policies with Covid-19 coverage

  • Quote & Compare Best Travel Insurance 
  • Same Price as Purchasing Directly from the Providers
  • Trip Cancellation, Medical & Cancel for Any Reason Policies
  • Cruise Insurance, Group Travel & Annual Policies

Group travel products available

  • Cancel for Any Reason Policy
  • Top-rated Cruise Insurance Plans
  • Travel Medical Insurance
  • International Student Insurance

Travel concierge services with premium plans

Get an Instant Quote from AIG Travel Guard

  • Domestic, Road Trips & Weekend Travel Coverage 
  • Coverage for International Trips
  • Cruises, Family Travel, Seniors
  • 24/7 Emergency Assistance

Other travel insurance companies we considered

In this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:

Company

Trip cancellation insurance

Trip interruption insurance

Medical insurance

Baggage maximum/per item limit

100%

100 to 150%

$50,000

$2,000/$250

100%

100 to 150%

$250,000

$3,000/$500

100%

150%

$500,000

$500/$100

100%

100 to 150%

$500,000

$200/ $100

100%

100%

$100,000

$2,500/$300

100%

100%

$50,000

$1,000/$250

100%

100 to 150%

$250,000

$2,500/$250

100%

150%

$150,000

$2,000/$500

100%

150%

$500,000

$2,500/$250

100%

150%

$250,000

$750

100%

150%

$100,000

$1,000

100%

150%

$250,000

$2,500/$250

Travel Insurance Guide

Travel insurance reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or have an accident during the trip.

Read on to learn how travel insurance works and tips on how to select the right type of coverage.

What does travel insurance cover?

Comprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays.

The following are standard coverage options and add-ons.

  • Trip cancellation insurance refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for eligible reasons.
  • Trip interruption coverage reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip.
  • Travel delay coverage reimburses you (up to your policy limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans.
  • Emergency travel medical insurance reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you're pregnant while traveling.
  • Emergency medical evacuation coverage reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 and $500,000 but can be as high as $1 million.
  • Baggage and personal effects coverage refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to $2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.
  • Worldwide assistance offers 24/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services.

Popular travel insurance add-ons

Here we explain a variety of add-ons or riders that allow you to increase benefit limits and cover activities that may be excluded from standard policies.

Cancel for any reason coverage

CFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses.

Pre-existing medical condition waiver

Adds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit.

Rental car insurance

Covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events).

Adventure sports coverage

Covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping.

Identity theft protection

Helps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents.

What does travel insurance not cover?

The most common exclusions in a travel insurance policy are:

  • Pre-existing medical conditions
  • Injuries caused by extreme sports
  • Theft/loss of personal items such as electronic devices and jewelry
  • Pregnancy-related conditions
  • Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination
  • Missed flights, where the traveler is at fault
  • "Foreseeable events" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered)

How much does travel insurance cost?

The cost of travel insurance can range from 4% to 12% of the total cost of your trip and depend on:

  • Your age
  • Your travel destination
  • The length of your trip
  • The types of travel insurance benefits and policy limits you select

Total trip cost

6% of trip cost (estimated travel insurance cost)

$1,000

$60

$1,500

$90

$2,600

$156

$3,200

$192

$5,000

$300

* Insurance for a $2,200 trip for a family of four ranged from $90 to over $300, based on 6% of trip costs.

Is travel insurance worth it?

Travel insurance could be worth it in specific situations. Before buying a policy, consider the following scenarios.

You may want travel insurance if:

You may not need travel insurance if:

You've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events.

You're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits).

You're traveling internationally and need coverage for medical emergencies and evacuation.

You can get reimbursed for trip expenses, especially costly ones.

You're visiting an area where weather is unpredictable or there is political unrest.

You're going on a short and relatively low-risk trip.

You plan to participate in high-risk activities such as skiing or scuba diving.

You can afford to cover emergency expenses out of pocket.

How to get travel insurance

You can buy travel insurance after booking a flight. However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades.

The best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging.

1. Define your travel insurance needs

Consider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers.

Business travel insurance is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as Nationwide's cruise insurance plans, and students in overseas programs may want to look into a plan like Trawick International Insurance.

2. Review the policy limits

Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.

3. Check the policy's fine print

Before finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved.

Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage.

Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.

4. Compare travel insurance quotes

We recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still find cheap travel insurance that will cover the essentials, such as medical expenses and personal effects.

Consider the following when comparing quotes:

  • Affordability
  • Maximum payout limits for baggage loss or theft
  • Available add-ons such as "Cancel for Any Reason"
  • Policy terms regarding pre-existing medical conditions
  • Minimum wait time before you can file a claim for baggage loss and trip delays
  • Maximum payout limits for medical expenses and emergency evacuation

How much travel insurance do I need?

Before buying travel insurance, consider what losses you would incur if unforeseen events forced you to cancel the trip or if you suffered an unexpected medical emergency.

  • Non-refundable travel expenses: These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance.
  • Potential medical emergencies: Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of $50,000 in emergency medical coverage for international trips and $100,000 for cruises and trips to remote locations.
  • Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from most trip insurance policies.

Credit card travel insurance

Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you compare credit card travel coverage with travel insurance, you'll see that most credit cards lack benefits such as medical expenses and emergency evacuation coverage.

Read our guide to the best travel credit cards for more information on how your credit card can help you travel smarter.

More on Travel Insurance

Travel Insurance FAQs

Do I need travel insurance?

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Travel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary.

How does travel insurance work?

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Travel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied.

When is it too late to buy travel insurance?

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Once you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like "cancel for any reason," "trip interruption for any reason," and pre-existing condition waivers.

What is a pre-existing condition for travel insurance?

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Illnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings.

How We Chose the Best Travel Insurance Companies

As part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile:

  • Family of four traveling from New York City to London
  • $2,200 on flight tickets for all four travelers

We then reviewed the available plans and looked at the following factors to evaluate and compare each company:

  • Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment.
  • Ease of use: We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.
  • Customer service and support: We rated companies higher for having a 24/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services.
  • Reputation: To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.

Summary of Money's 9 Best Travel Insurance Companies of 2024