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Heading on a long international trip filled with adventures and extreme sports? Are you booking an expensive cruise with your family? Headed across the country for a road trip? Maybe you are sending a child or grandchild out on an adventure of their own. Or, possibly booking a trip for a large group of students?
No matter where you are headed, the decision to book a trip is a significant investment, and you will want to be prepared in case problems arise before you head out or once you are there. Having medical coverage for your trip is important, particularly if you are traveling out of the country or won’t be covered by your health insurance plan. What if you break a leg skiing? And sometimes, travel problems arise before you even get to your final destination: What if a family emergency causes you to need to cancel your trip or cut it short? What if a hurricane prevents you from getting to your tropical destination? In the airport, there are problems aplenty, too: What if your baggage is lost? What if your flight is delayed?
The good news is that all of these problems can be prevented by purchasing travel insurance from a trusted provider before you leave, so you don't have to lose out on money if you have to cancel or return home earlier than expected. Read on to see who are the best travel insurance providers to use today before you head out on your next vacation.
Our Top Picks
Best Overall: TravelInsurance.com
Travelinsurance.com lets you compare hundreds of plans and find the best option to fit your needs, and they guarantee that you will find the best price. They also feature 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 their site. Not only will you have access to customer support through the plan provider, but travelinsurance.com offers their 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.
Best for Flexible Options: Amex Assurance
Not sure of the exact dates of your trip just yet? With Amex Assurance, 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. Amex Assurance 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.
Best for Traveling With Kids: Travelex
Are you traveling with kids? They will be covered – for free. The Travelex Select plan also covers losses due to 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 will also be able to rest more comfortable knowing that your trip will be covered if you cancel it for any reason.
Are you planning a ski vacation with the whole family? Extreme sports are included, too, and up to $50,000 of medical expenses. The customer service representatives are available 24/7. They are known to be professional, friendly, and helpful in assisting with any problems that arise.
Best for Delays: 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. Generali is run by The Europ Assistance Group and 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, North Korea, Sudan, Syria, or The Crimean Peninsula in Ukraine are out.
Best for Young Explorers: World Nomads
The plans offered by World Nomads are designed with the young and adventurous in mind –they don’t cover groups or anyone over 70 years old. They have two standard plans, basic and explorer, both of which offer coverage for extreme sports along with the standard baggage coverage, trip cancelation 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 their local communities: They connect young travelers with suggested local charities in need who could use donations. They provide 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. Their site offers a community ready and willing to help you make life-changing travel plans.
Best BBB Rating: Travel Guard
It’s hard to get an A+ rating from the Better Business Bureau, but Travel Guard managed to do so for their outstanding customer service and business practices. Travel Guard keeps it simple with three basic coverage options: Silver, for basic travelers on a budget, Gold for those with more complicated needs, and Platinum for those who want to take no chances.
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.
Best for Custom Plans: Seven Corners
Seven Corners, a small company based in Carmel, Indiana, has something for everyone. They offer 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 helping you locate an embassy or providing you with medical and travel advisories and anything in between, their multilingual team is available 24/7. They do not have a high record of customer complaints. When there is an issue, they solve problems quickly and without a big fuss. They are also one of the few companies that have a unique coverage plan for non-citizens visiting the United States.
Best Large Company: 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. They’ve got a 24-7 customer assistance hotline, which can feel particularly helpful when you’re on your own in a foreign country. With more than 25 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. They have a low level of customer complaints when compared to others. They resolve any problems that do arise quickly. The plan also comes with some great perks: If your bags or your flight is delayed for more than three to five hours (depending on your plan), Allianz will pay you for the hassle.
Best for Baggage Coverage: RoamRight Travel Insurance
RoamRight ranks well for plans and coverage. You can get comprehensive coverage, trip cancelation/interruption, medical, baggage, accidental death, and excellent coverage for your whole group. Their bestseller is the Elite plan, which is comprehensive coverage that offers the highest level of medical and dental protection, baggage protection, trip cancelation, and travel accident insurance. If you want medical coverage, they provide pre-existing coverage, $50,000 maximum medical reimbursement, up to 1,000,000 for medical evacuation, and a deductible for medical coverage. They cover baggage up to $2,500, and there is a single item limit of $250. You can expect coverage for lost, damaged, or stolen luggage, as well as a baggage delay coverage. Their reputation is good because they earn respect by responding to negative reviews at least attempting to address any problems. And their website is relatively easy to use, which is something to consider when selecting a travel insurance carrier.
Our writers spent 6 hours researching the most popular travel insurance on the market. Before making their final recommendations, they considered 15 different travel insurance overall, screened options from 15 different brands and manufacturers and read over 60 user reviews (both positive and negative). All of this research adds up to recommendations you can trust.