Best Travel Insurance

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Travel brings uncertainty, so signing up for travel insurance to protect yourself from the unexpected should be an integral part of planning any trip. The sheer number of companies and policies to consider can make finding the best insurance intimidating; fortunately, there are several standout travel insurance policies that will give you peace of mind during your vacation.

Best Travel Insurance

Best Overall: Generali Global Assistance
Best Travel Insurance for Digital Nomads: World Nomads
Best Travel Insurance for Seniors: Travel Guard
Best Travel Insurance for Family Travel: Allianz Travel Insurance
Best Travel Insurance for Adventure Travel: HTH Worldwide

Best Overall : Generali Global Assistance

See Rates on Generalitravelinsurance.com

Key Specs

•No. of Policy Types: 3
•Coverage Limit: $1 million at the Premium tier for emergency assistance and transportation
•Starting Price: Varies based on the cost of the trip

Why We Chose It

Generali Global Assistance takes a balanced approach to coverage and is unique in that its emergency assistance and transportation coverage is competitive across all three policy tiers. It provides an impressive scope of coverage at the Preferred and Premium tiers, including medical coverage that goes up to $150,000 and $250,000, respectively. Conveniently, customers can use the website to generate a quote before deciding which policy is the right fit for their trip.

Pros

Clarity of coverage terms
Up to $1 million in emergency assistance
Mid-tier Preferred plan is highly competitive

Cons

Trip cancellation for any reason only available with Premium plan
Residents of certain states aren’t eligible for all benefits

Numerous organizations in the travel space have awarded and recognized Generali Global Assistance as an industry leader in travel insurance, and U.S. News & World Report added the company to its Best Travel Insurance List for 2022. Policy coverage includes luggage replacement, baggage delay, and approved medical and dental care.

Policy pricing is based on the overall value of a trip, and quotes can be requested online. Purchasers can also use the website’s chat feature to gain additional guidance on which policy would be best for them.

Best Travel Insurance for Digital Nomads : World Nomads

See Rates on Worldnomads.com

Key Specs

•No. of Policy Types: 2
•Coverage Limit: $500,000 for emergency evacuation
•Starting Price: Varies

Why We Chose It

World Nomads is the best travel insurance for digital nomads taking shorter overseas trips, and travelers can extend coverage while on the road. World Nomads stands out for the wide variety of adventure activities it covers, as well as its competitive emergency evacuation coverage. However, it’s not ideal for digital nomads traveling overseas for more than 180 days.

Pros

Emergency evacuation is covered up to $500,000
Covers numerous adventure activities
Can purchase additional coverage while traveling

Cons

Accidental death and dismemberment coverage is low

World Nomads has been designed with digital nomads in mind and focuses on serving them. One standout of its policies is the adventure sports coverage provided for approved activities.

Best Travel Insurance for Seniors : Travel Guard

See Rates on Travelguard.com

Key Specs

•No. of Policy Types: 3
•Coverage Limit: $1 million for emergency evacuation and repatriation of remains
•Starting Price: Varies

Why We Chose It

Travel can be stressful at any age, but access to a travel insurance concierge can help mitigate travel-related anxiety. Travel Guard gives users 24/7 concierge access to help seniors deal with any stressful situations that might arise during a trip.

Travel Guard provides high levels of coverage, including for emergency evacuation and repatriation, security evacuation, and travel medical expenses.

Pros

Simple, easy-to-use website
Medical evacuation coverage up to $1 million
Canceling for any reason is an optional add-on

Cons

Canceling for any reason not available with Essential plan
Only $15,000 medical expense coverage on Essential plan
Lodging expense add-on not available with Essential plan

Travel Guard customers have access to a concierge service and competitive overall coverage. Preferred and Deluxe policyholders also gain access to trip interruption coverage of up to 150% of the trip cost.

Travel Guard’s commitment to customer service and satisfaction provides customers with peace of mind. Travelers with preexisting medical issues may also be able to receive a preexisting condition exclusion waiver. To learn if that’s an option, travelers should speak with an agent prior to finalizing a policy purchase.

Best Travel Insurance for Family Travel : Allianz Travel Insurance

See Rates on Allianztravelinsurance.com

Key Specs

•No. of Policy Types: 10
•Coverage Limit: Varies by policy
•Starting Price: Varies

Why We Chose It

Allianz Travel Insurance lets customers pick a policy tailored to their travel needs. Uniquely, Allianz has numerous offerings geared toward either single or multiple trips.

Allianz’s most popular plan, OneTrip Prime, gives travelers access to concierge services and up to $500,000 in emergency medical transportation services, benefits that could be helpful for those traveling with children.

Pros

Covers preexisting conditions
$10,000 trip interruption reimbursement on OneTrip Basic plan
$1 million emergency medical transportation on OneTrip Premier

Cons

Product pricing on website could be clearer
Numerous plans and coverage differences can be confusing
Limited dental coverage

Allianz offers a wide variety of coverage options. The OneTrip Prime and OneTrip Premier policies are notable for their emergency medical transportation benefits, which cap off at $1 million at the Premier level.

One area of coverage to be mindful of is the emergency medical benefit, which maxes out at $50,000 for OneTrip Premier policyholders.

Best Travel Insurance for Adventure Travel : HTH Worldwide

See Rates on Hthtravelinsurance.com

Key Specs

•No. of Policy Types: 7 (including a group coverage option)
•Coverage Limit: $1 million for qualified holders of the Travel Medical plan
•Starting Price: Varies depending on coverage

Why We Chose It

HTH Worldwide stands out for providing both insurance policies that supplement travelers’ current medical plans and policies that cover travelers without medical insurance. Adventure travel is risky, and comprehensive medical coverage like that provided by HTH Worldwide can protect adventurers from financial disaster.

Pros

Helpful mobile apps
Options for both short-term and long-term travel
Coverage is available for trips of up to six months

Cons

Outdated website impacts the user experience
Numerous plans can cause confusion
Unclear how HTH plans complement currently held plans

HTH Travel Insurance products address one of the most challenging aspects of overseas travel: affordable yet adequate medical coverage in case of an emergency. Policies are accessible to individuals up to 95 years old. Policyholders may need to pay a deductible to gain access to insurance benefits.

Final Verdict

Generali Global Assistance was selected as Best Overall thanks to its impressive coverage across policy tiers, generous coverage for baggage loss and replacement, and medical and dental provisions. Its policies may cost a little more than those of other companies, but the added expense is well worth it.

Compare the Best Travel Insurance

Company	No. of Policies	Coverage Limit	No. of States Available
Generali Global Assistance Best Overall	3	$1 million emergency assistance	All 50 states and Washington, D.C.
World Nomads Best for Digital Nomads	2	$500,000 emergency evacuation	All 50 states and Washington, D.C.
Travel Guard Best for Seniors	3	$1 million emergency evacuation	All 50 states and Washington, D.C.
Allianz Travel Insurance Best for Family Travel	10	$1 million emergency medical transportation	All 50 states and Washington, D.C.
HTH Worldwide Best for Adventure Travel	7	$1 million travel medical coverage	All 50 states and Washington, D.C.

Frequently Asked Questions

What does most travel insurance cover?

To varying degrees, most travel plans cover trip interruptions and delays, lost or delayed luggage, and certain types of illness or injuries.

What does travel insurance typically not cover?

Every travel insurance policy is different, but most don’t cover travel to an area where war, an ongoing conflict, or heightened political tensions could impact safe travel. These types of situations may be considered “expected events” that could have been avoided.

Is travel insurance worth the cost?

For travelers investing a significant amount of time and money into a trip, it’s often worth paying a nominal fee in exchange for peace of mind should something unexpected occur during a vacation or business trip.

Can I buy travel insurance the day before my trip?

While the majority of policies can be purchased a day before travel, there are some important things to consider regarding the timing of a travel insurance policy purchase. First of all, you should understand how quickly your policy will take effect. If you buy a policy the moment before you leave home but the policy only becomes active 24 hours after purchase, anything that happens in that window might not be covered. Purchasing a policy right before a trip can also make it difficult to change a policy and replace it with one that’s a better fit.

Methodology

To find the best policies, we created a basic framework for what we considered ideal trip coverage. We designed two different user profiles (a single traveler and a small family) to create a baseline traveler for comparisons when researching available policies. Additional considerations, such as the policy coverage’s comprehensiveness and recent accolades, impacted where each insurance company appeared on our list. To select our best overall policy, we looked for a company that offered excellent medical coverage, easy-to-understand policy tiers, and access to customer service during travel.