The 9 Best Travel Insurance Providers of 2021

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The Rundown

Best Overall: TravelInsurance.com

"Lets you compare hundreds of plans and find the best option to fit your needs."

Best for Flexible Options: American Express Travel Insurance

"You can cancel or amend your coverage at any time before you depart."

Best for Traveling With Kids: Travelex

"Kids will be covered – for free."

Best for Delays: Generali Global Assistance

"Will more than cover you for the hassle of delays."

Best for Young Explorers: World Nomads

"Designed with the young and adventurous in mind."

Best BBB Rating: Travel Guard

"Praised for outstanding customer service and business practices."

Best for Custom Plans: Seven Corners

"Offers custom plans crafted explicitly for what you will need."

Best Large Company: Allianz Global Assistance

"The biggest name in travel insurance."

Best for Baggage Coverage: Arch RoamRight

"Expect coverage for lost, damaged, or stolen luggage."

Our Top Picks

01 of 09

Best Overall: TravelInsurance.com

TravelInsurance.com

TravelInsurance.com

Travelinsurance.com lets you compare hundreds of plans and find the best option to fit your needs, and it guarantees that you will find the best price. It also features regular articles and blogs about traveling advice and how to find the best coverage options for your trip, no matter where you are headed. If you have specialized travel needs, the opportunity to compare a variety of plans will help you make an informed decision. But no matter what you choose, there is something for every traveler on the site. Not only will you have access to customer support through the plan provider, but travelinsurance.com offers its 24/7 customer support to help you with any problems that arise on your trip. TravelInsurance.com is intended to save you both time and money. Think of it as acting as your travel agent and searching for the best deal on travel insurance. You are bound to find something that will work for both your needs and budget.

02 of 09

Best for Flexible Options: Amex Assurance

Amex Assurance

Amex Assurance

Not sure of the exact dates of your trip just yet? With American Express Travel Insurance, you can cancel or amend your coverage at any time before you depart. You also can purchase travel insurance even if you aren’t the person taking the trip, which is an excellent option for parents or grandparents with a young family member bitten by the travel bug. American Express Travel Insurance also comes from the trusted brand American Express that you know and love, and you don’t have to have a credit or charge card to purchase coverage. There are both individual and package options, making it a good buy for both group travelers and individuals.

03 of 09

Best for Traveling With Kids: Travelex

Travelex

Travelex

Are you traveling with kids? They will be covered—for free. The Travelex Select plan also offers optional add-on coverage for pre-existing conditions, which is rare under travel insurance plans. The basic plan is not a great deal, but the Select plan certainly is: It has all of the trappings you could ever need or want. Because kids are so fickle (and have a tendency to get sick), you also will be able to rest more comfortably knowing that your trip will be covered if you cancel it for any reason.

The standard Travelex Select plan offers up to $50,000 coverage for medical expenses. But if your trip includes parasailing, mountain climbing, or other daring sports, you also can upgrade with The Adventurer Plus Pak. Customer service representatives are available 24/7. They are known to be professional, friendly, and helpful in assisting with any problems that arise.

04 of 09

Best for Delays: Generali Global Assistance

Generali Global Assistance

Generali Global Assistance 

Although you can’t always anticipate travel delays, Generali will reward you handsomely if they do end up happening. Generali offers three basic plans: Standard, Preferred (good for trips in which you will be partaking in hiking, skiing, or extreme sports), and Premium (good for expensive travel like cruises) – and all will more than cover you for the hassle of delays, starting with 125 percent coverage under the standard plan. The company has a reputation for excellent client service; any issues are resolved quickly and professionally. For all of the perks, there are a few places where you won’t be able to get coverage: If you want to use Generali, any trips to Cuba, Iran, North Korea, Sudan, Syria, or The Crimean Peninsula in Ukraine are out. 

Continue to 5 of 9 below.
05 of 09

Best for Young Explorers: World Nomads

World Nomads

World Nomads

The main plans offered by World Nomads are designed with the young and adventurous in mind—they don’t cover groups or anyone 70 years old or over. Both the Standard and Explorer programs offer coverage for extreme sports along with the standard baggage coverage, trip cancellation protection, and standard emergency medical coverage. Lots of travel bloggers love this company, and in addition to offering 24/7 multilingual assistance, World Nomads is also invested in its local communities: It connects young travelers with suggested local charities in need who could use donations. It provides tons of information to help keep you safe with a travel safety blog covering topics like Ocean Safety in Australia and Motor Bikes and Scooters in Thailand Rules. Its site offers a community ready and willing to help you make life-changing travel plans. Travelers 70 and above can take advantage of the Silver Nomads plan, which the company now offers in partnership with TripAssure.

06 of 09

Best BBB Rating: Travel Guard

Travel Guard

Travel Guard

It’s difficult to get an A+ rating from the Better Business Bureau, but Travel Guard managed to do so for its outstanding customer service and business practices. Travel Guard offers four coverage tiers, starting with Deluxe at the top and working down to Preferred, Essential, and Annual as the lowest tier. It also offers a Pack N' Go plan, designed for unexpected trips.

Travel Guard also has the benefit of being a subsidiary of AIG, a large corporation that takes its reputation seriously and will work quickly to resolve any issues that may arise. Travel insurance from Travel Guard will protect your trip with coverages like trip cancelation and interruption, medical expense and evacuation, lost or delayed baggage, and more depending on your needs.

Travel Guard offers an easy to use comparison tool so you can compare the plans they offer. Satisfaction is guaranteed, and they provide 24/7 Concierge Assistance to help navigate delays and cancelations.

07 of 09

Best for Custom Plans: Seven Corners

Seven Corners

Courtesy of Seven Corners

Seven Corners, a small company based in Carmel, Indiana, has something for everyone. It offers custom plans crafted explicitly for what you will need. Staying domestic or traveling internationally? There are plans tailored to either option. Need travel medical insurance? Trip protection? Student plans? Seven Corners has those, too. But these custom plans are not just for individuals: There are both group and individual options; Seven Corners works with federal agencies in the U.S. and abroad as well as large international corporations. Students can get lifetime medical maximum benefits up to $5,000,000. Medical coverage runs from 5 days up to 364 days.

Seven Corners can handle arranging emergency medical evacuations to help you locate an embassy or provide you with medical and travel advisories and anything in between. Its multilingual team is available 24/7. It does not have a high record of customer complaints. When there is an issue, it solves problems quickly and without a big fuss. It also is one of the few companies that has a unique coverage plan for noncitizens visiting the United States. 

08 of 09

Best Large Company: Allianz Global Assistance

Allianz Global Assistance

Allianz Global Assistance

Allianz offers a variety of plans to suit the needs of various travelers, which means that no matter your needs, you will have plenty of options to choose from. It has a 24-7 customer assistance hotline, which can feel particularly helpful when you’re on your own in a foreign country. With more than 45 million yearly customers, Allianz is the biggest name in travel insurance. It’s also a subsidiary of Allianz SE, which means that it is run by people who know insurance.

Because of its size and expertise, it can offer some of the lowest rates in the game. It has a low level of customer complaints when compared to others. It resolves any problems that do arise quickly. The plan also comes with some great perks: If your bags or your flight is delayed for a certain number of hours (depending on your plan), Allianz will pay you for the hassle. 

Continue to 9 of 9 below.
09 of 09

Best for Baggage Coverage: Arch RoamRight

RoamRight Travel Insurance

RoamRight Travel Insurance

RoamRight ranks well for plans and coverage. You can get comprehensive coverage, trip cancellation/interruption, medical, baggage, accidental death, and excellent coverage for your whole group. Its Preferred Plan offers the highest level of medical and dental protection, baggage protection, trip cancellation, and travel accident insurance. If you want medical coverage, it provides pre-existing coverage, $50,000 maximum medical reimbursement, up to $500,000 for medical evacuation, and a deductible for medical coverage. It covers baggage up to $1,000 per person, and there is a single item limit of $250. You can expect coverage for lost, damaged, or stolen luggage, as well as baggage delay coverage. Its reputation is good because it earns respect by responding to negative reviews at least attempting to address any problems. And its website is relatively easy to use, which is something to consider when selecting a travel insurance carrier.

Article Sources
TripSavvy uses only high-quality, trusted sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial policy to learn more about how we keep our content accurate, reliable and trustworthy.
  1. Better Business Bureau. "Travel Guard Group, Inc." Accessed Dec. 13, 2020.

  2. Travel Guard. "Travel Guard Plans." Accessed Dec. 13, 2020.

  3. SquareMouth Travel Insurance. "Compare All Policies for Arch RoamRight." Accessed Dec. 13, 2020.

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