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Rounding Up The Best Travel Insurance Companies
Planning a trip is exciting, but making sure you’re protected along the way is just as important. In this roundup of the best travel insurance companies, we’ll highlight trusted providers that offer comprehensive coverage, flexible plans, and reliable support so you can explore with confidence no matter where your journey takes you. Whether you’re heading to a remote destination or a bustling city, having the right travel insurance gives you the peace of mind to fully enjoy your adventure.
Travel insurance not only safeguards you against unexpected events but also provides valuable assistance in case of emergencies. From trip cancellations and medical coverage to lost luggage and flight delays, the best insurance plans are designed to keep you covered in any situation. In this guide, we’ve curated the top travel insurance companies that stand out for their exceptional customer service, extensive coverage options, and ease of use, ensuring that your next trip is worry-free.
10 Best Travel Insurance Companies
This list of the 10 best travel insurance companies features top providers known for their comprehensive coverage, flexible options, and dependable customer service. Whether you’re planning a quick getaway or a big international adventure, these companies can help protect you from the unexpected and give you peace of mind while you travel.
#1: Faye
Faye is redefining travel insurance with a modern, digital-first approach that makes protecting your trips simpler and more convenient. Unlike traditional providers, Faye offers a fully online experience—from getting a quote to filing claims to being reimbursed on approved claims—all through their user-friendly app. Their plans are comprehensive, and can cover everything from trip cancellations and delays to medical emergencies and lost luggage.
Highlights
- Comprehensive coverage including trip cancellation, medical emergencies, and lost luggage
- Easy, digital-first travel insurance experience
- Fast claims and get reimbursed on eligible claims to your phone’s wallet, via Faye Wallet t (usable with Apple Pay/Google Pay)
- Real-time trip disruption alerts and proactive 24/7 support
One standout feature is their real-time support and proactive communication: if there’s a delay or disruption, Faye often alerts you and offers help before you even have to ask. Additionally, approved claims are processed quickly, and eligible reimbursements can be sent directly to your phone’s wallet, allowing you to access funds on the go through Google Pay or Apple Pay.
Beyond standard coverage, Faye offers extra layers of support that make them a favorite among modern travelers. Their plans can include add-ons like coverage for vacation rental damage, pet care, rental cars, and even adventure sports, offering flexibility for different types of trips (which may vary by state of residence).
Faye’s focus on customer care, transparent policies, and fast service has earned them excellent reviews and high trust among users. Whether you’re a frequent flyer or planning your once-a-year vacation, Faye offers a stress-free, tech-forward way to travel with confidence.
#2: Allianz Travel Insurance
Allianz Travel Insurance is one of the most recognized names in the travel insurance industry, known for its wide range of plans and global support network. As part of Allianz Group, one of the world’s largest insurance companies, Allianz offers policies that cater to both occasional travelers and frequent globetrotters. Their plans cover essentials like trip cancellation, trip interruption, emergency medical care, baggage loss, and travel delays.
Highlights
- TravelSmart™ app with claims filing, flight updates, and emergency info
- Trusted global brand with strong financial backing
- Plans for single trips and frequent travelers (annual plans)
- 24/7 global assistance hotline
Allianz stands out for offering annual and multi-trip plans, making it a strong choice for business travelers or anyone who takes multiple trips a year. Their 24/7 assistance hotline ensures that travelers can get help anywhere in the world, whether they’re facing a medical emergency or need travel advice.
What sets Allianz apart is its solid reputation, financial strength, and a user-friendly claims process that’s available both online and via their TravelSmart™ mobile app. The app not only lets travelers file claims but also provides real-time flight updates, emergency contact information, and quick access to medical facilities abroad.
Allianz also offers optional add-ons for rental car damage and coverage for pre-existing conditions (if requirements are met), providing flexibility to suit different travel needs. With decades of experience and millions of travelers served, Allianz is a go-to option for those seeking reliable, broad travel protection backed by a global leader.
#3: Travel Guard
Travel Guard by AIG is a well-established travel insurance provider that offers a wide variety of plans to fit the needs of different travelers, from vacationers to business professionals. Known for its flexible options, Travel Guard allows customers to customize their coverage with add-ons like Cancel for Any Reason (CFAR), rental vehicle damage, and adventure sports coverage.
Highlights
- 24/7 emergency assistance with medical referrals and support services
- Trusted brand with 30+ years of experience
- Wide range of plans for leisure, business, and adventure travelers
- Customizable options including Cancel for Any Reason (CFAR) and adventure sports coverage
Their core plans include protection for trip cancellation, trip interruption, emergency medical expenses, baggage loss, and travel delays. One of Travel Guard’s standout features is its comprehensive network of 24/7 emergency assistance services, which includes help with medical referrals, lost passports, and emergency cash transfers. With over 30 years of experience in the industry, Travel Guard is trusted by millions of travelers worldwide.
In addition to its broad coverage options, Travel Guard offers a user-friendly claims process and strong customer service, available both online and by phone. The brand is especially popular among travelers who want the ability to tailor their plan to match their trip’s specific risks, whether it’s an international cruise, an adventure tour, or a family vacation.
Frequent travelers can also benefit from their annual plans, which provide continuous coverage for multiple trips. Backed by AIG’s financial strength and global presence, Travel Guard offers peace of mind for those looking for customizable, reliable travel insurance.
#4: AXA Assistance USA
AXA Assistance USA offers travel insurance plans designed to provide strong, well-rounded protection for a variety of travelers, whether you’re heading out on a family vacation, a business trip, or an international adventure. Backed by AXA, one of the largest insurance and assistance companies in the world, AXA Assistance USA provides plans that include coverage for trip cancellation, trip interruption, emergency medical expenses, baggage loss, and travel delays.
Highlights
- Coverage for trip cancellation, medical expenses, baggage loss, and delays
- Backed by AXA, a global leader in insurance and assistance
- Strong medical coverage and emergency evacuation benefits
- 24/7 worldwide travel and medical assistance
What sets AXA apart is its emphasis on high medical coverage limits and 24/7 global assistance, making it a strong choice for international travelers who want added peace of mind. Their Platinum Plan, for example, includes generous medical and evacuation benefits, as well as coverage for pre-existing medical conditions when certain requirements are met.
In addition to solid core coverage, AXA Assistance USA offers helpful features like concierge services, travel alerts, and assistance with lost documents or emergency cash transfers. Their plans are also flexible, with optional upgrades for Cancel for Any Reason (CFAR) coverage and rental car protection.
With easy online quotes and claims filing, AXA aims to make the process smooth and traveler-friendly. Thanks to their global presence and focus on customer support, AXA Assistance USA is a popular choice among those seeking dependable, comprehensive travel insurance with strong medical benefits.
#5: Travelex Insurance Services
Travelex Insurance Services is a leading provider of travel insurance solutions designed to protect travelers from unforeseen events that can disrupt or impact their trips. With a strong reputation for comprehensive coverage options, Travelex offers plans that include trip cancellation, trip interruption, medical emergencies, baggage loss, and more.
Highlights
- Comprehensive Coverage Options: Trip cancellation, trip interruption, emergency medical, evacuation, baggage loss, and more.
- Flexible Plans: Coverage available for individuals, families, and groups, with options for single trips or annual multi-trip plans.
- 24/7 Customer Support: Access to around-the-clock assistance for claims and emergency services worldwide.
- Easy Online Quotes and Purchase: Quick and convenient online tools to compare plans and buy insurance instantly.
Their user-friendly online platform makes it easy for travelers to compare policies, get quotes, and purchase insurance tailored to their specific travel needs. Whether traveling domestically or internationally, Travelex Insurance Services aims to provide peace of mind so customers can enjoy their journeys with confidence.
#6: Generali Global Assistance
Generali Global Assistance is a trusted name in travel insurance, offering comprehensive plans backed by decades of experience and a strong global support network. Their travel protection plans are designed to cover common risks like trip cancellation, trip interruption, medical emergencies, travel delays, and lost or delayed baggage.
Highlights
- 24/7 global travel assistance and concierge services
- Decades of experience in global travel insurance and assistance
- Comprehensive coverage for trip cancellation, medical emergencies, baggage loss, and delays
- Tiered plans (Standard, Preferred, Premium) to match different budgets and needs
Generali is known for including value-added services that go beyond basic coverage, such as 24/7 travel assistance, concierge services, and identity theft resolution. Their plans are tiered (Standard, Preferred, and Premium), allowing travelers to choose the level of coverage that best fits their trip and budget, with higher-tier plans offering more generous benefits and additional protections like Cancel for Any Reason (CFAR).
One of Generali’s standout features is their proactive approach to helping travelers during disruptions, with real-time assistance and support services available worldwide. Their customer service team can assist with everything from medical referrals to replacing lost documents while you’re abroad.
Generali also offers optional upgrades and coverage for pre-existing medical conditions (when requirements are met), making their plans flexible and customizable. With a reputation for solid coverage, helpful extras, and dependable service, Generali Global Assistance is a strong choice for travelers looking for well-rounded protection and support while on the road.
#7: Seven Corners
Seven Corners is a U.S.-based travel insurance provider known for its flexible, customizable plans and strong emphasis on travel medical coverage. Serving travelers since 1993, Seven Corners offers a variety of products, including trip protection plans that cover trip cancellation, interruption, and delays, as well as travel medical insurance for both domestic and international travelers.
Highlights
- 24/7 multilingual emergency assistance via Seven Corners Assist
- 30+ years of experience in travel insurance and medical coverage
- Flexible plans for trip protection and travel medical insurance
- Popular plans: RoundTrip (trip protection) and Travel Medical series
Their RoundTrip series is ideal for those looking to protect their trip costs, while their Travel Medical plans are designed for those who prioritize health coverage while abroad. Seven Corners is particularly popular among adventure travelers, expats, and students, thanks to plans that can be tailored with add-ons like Cancel for Any Reason (CFAR), rental car damage coverage, and hazardous sports protection.
One of Seven Corners’ standout features is its 24/7 multilingual assistance through their in-house team, Seven Corners Assist, which helps with medical referrals, emergency evacuations, and travel disruptions anywhere in the world.
They also offer specialized plans for international students, missionaries, and groups, making them a go-to option for diverse travel needs. Their reputation for flexible coverage options and responsive customer support makes Seven Corners a strong choice for travelers seeking comprehensive, customizable protection with global reach.
#8: World Nomads
World Nomads is a leading travel insurance provider tailored for adventurous and independent travelers worldwide. Renowned for its flexibility and comprehensive coverage, World Nomads offers plans that cater to a diverse range of activities and destinations.
Highlights
- Global Assistance: Provides 24/7 emergency assistance to support travelers during unforeseen circumstances.
- Comprehensive Coverage: Includes emergency medical expenses, trip cancellations, lost baggage, and protection for over 200 adventure activities.
- Flexibility: Allows travelers to purchase or extend their insurance even after departing on their trip.
- User-Friendly Platform: Offers an intuitive online platform for easy claims processing and policy management.
Whether you’re embarking on a backpacking journey, studying abroad, or engaging in extreme sports, World Nomads provides robust protection to ensure peace of mind during your travels.
Their coverage includes emergency medical expenses, trip cancellations, lost baggage, and protection for over 200 adventure activities. Notably, World Nomads allows travelers to purchase or extend their insurance even after departing on their trip, accommodating the dynamic nature of modern travel.
Additionally, their user-friendly online platform facilitates easy claims processing and access to 24/7 emergency assistance, ensuring support whenever and wherever it’s needed.
#9: HTH Travel Insurance
HTH Travel Insurance is a trusted provider specializing in comprehensive travel medical and trip protection plans, ideal for travelers whose primary health insurance may not apply abroad. With over two decades of experience, HTH offers a range of plans designed to meet the needs of various travelers, including those with pre-existing conditions, students, and expatriates.
Highlights
- 24/7 Emergency Assistance: Offers round-the-clock support for travelers in need of medical or travel assistance.
- Comprehensive Coverage: Offers trip cancellation, medical expenses, evacuation, and baggage protection.
- Pre-Existing Condition Waiver: Available if insurance is purchased within 21 days of the initial trip payment and certain conditions are met.
- Global Network Access: Provides access to a network of elite doctors and hospitals in over 190 countries.
Their coverage includes emergency medical expenses, trip cancellation, medical evacuation, and access to a global network of healthcare providers. HTH is particularly noted for its TravelGap series, which offers short-term medical coverage for travelers, and the TripProtector plans, which combine trip protection with medical benefits.
One of HTH’s standout features is its partnership with GeoBlue, providing access to a network of elite doctors and hospitals in over 190 countries. This network ensures that travelers receive high-quality medical care while abroad.
Additionally, HTH offers tools like global health and safety information, 24/7 emergency assistance, and direct billing with healthcare providers, simplifying the process for travelers in need of medical attention. Their plans are underwritten by Nationwide Mutual Insurance Company, which holds an A (Excellent) rating from AM Best, indicating strong financial stability.
#10: Trawick International
Safe Travels USA Comprehensive is a robust travel medical insurance plan designed specifically for non-U.S. citizens visiting the United States. Offered by Trawick International, this plan provides extensive coverage for medical expenses, including accidents and illnesses, with policy maximums ranging from $50,000 to $1,000,000. It also offers limited coverage for the acute onset of pre-existing conditions, making it a suitable choice for travelers up to 89 years of age.
Highlights
- Comprehensive Medical Coverage: Up to $1,000,000 for accidents and illnesses.
- Acute Onset of Pre-Existing Conditions: Limited coverage available for travelers up to 69 years of age.
- Emergency Services: Includes emergency medical evacuation and repatriation of remains.
- Trip Delay Coverage: Provides reimbursement for trip delay expenses.
The plan covers a wide array of benefits, including emergency medical evacuation, repatriation of remains, and trip delay expenses. Additionally, it treats COVID-19 as any other illness, providing coverage for related medical expenses. Travelers can purchase coverage for a minimum of 5 days up to a maximum of 364 days, with options for renewal
How to Choose the Best Travel Insurance
When planning a trip, securing the right travel insurance is an essential step to ensure peace of mind during your travels. Travel insurance can cover unforeseen events like trip cancellations, medical emergencies, lost luggage, and more, so it’s crucial to choose a plan that fits your unique needs. Below, we provide a guide on how to select the best travel insurance company, what to look for in a policy, and how to make an informed decision.
1. Understand the Types of Coverage
Before diving into the details of each insurance provider, it’s important to understand the types of coverage offered. Travel insurance plans can vary widely in terms of coverage, so knowing what you need is essential:
- Trip Cancellation/Interruption Insurance: If you need to cancel or cut short your trip due to unforeseen events, this coverage reimburses you for non-refundable trip expenses.
- Medical Coverage: Covers medical expenses in case of injury or illness while traveling. This is particularly important for international travel, as some countries require health coverage for visitors.
- Emergency Evacuation: Provides coverage for emergency medical evacuation, which can be costly if you’re traveling in remote areas.
- Baggage and Personal Belongings: Reimburses you for lost, stolen, or damaged baggage.
- Travel Delay and Missed Connection: Offers reimbursement for additional expenses incurred if your trip is delayed or a flight is missed.
2. Evaluate the Reputation of the Insurance Provider
Choosing a reliable insurance company is critical, as it will ensure smooth claims processing and customer support when you need it most. Look for:
- Customer Reviews: Research customer reviews to gauge satisfaction and the quality of service. Look for transparency in their policies, timely claims payouts, and customer assistance.
- Financial Stability: A provider’s financial strength is crucial. Insurance companies should be financially stable enough to pay out claims. You can check ratings from agencies like A.M. Best or Standard & Poor’s.
- Customer Service: Assess the availability of support channels (24/7 assistance) and their response time in case of emergencies.
3. Consider Your Travel Needs
Different travelers have different needs, and the insurance coverage should reflect this. Consider the following:
- Destination: If you are traveling abroad, especially to countries with high medical costs, ensure your plan offers sufficient medical coverage.
- Duration of Travel: Some plans offer coverage for short trips, while others are better suited for long-term travelers, such as those going on an extended trip or backpacking.
- Adventure Activities: If you’re engaging in adventurous activities like hiking, skiing, or scuba diving, make sure the policy covers these high-risk activities. Some plans exclude certain activities or require additional coverage.
- Pre-Existing Conditions: If you have a pre-existing medical condition, look for policies that provide coverage for it or allow you to purchase a rider that covers such conditions.
4. Compare Plan Features and Prices
Pricing can vary widely depending on the level of coverage, the provider, and the length of your trip. Here are some key things to compare when looking at policies:
- Policy Limits: Make sure the policy limits are high enough to cover potential medical expenses or trip cancellations.
- Exclusions: Review exclusions carefully to understand what is not covered under the policy.
- Add-ons and Riders: Some companies offer add-ons, such as Cancel for Any Reason (CFAR) or rental car damage coverage, which can be beneficial in certain situations.
5. Check for Customization Options
Many travelers require specific coverage based on their unique circumstances, such as business trips, cruises, or solo travel. Choose an insurance company that offers customizable plans so you can tailor coverage to your exact needs.
6. Read the Fine Print
Before purchasing travel insurance, always read the terms and conditions carefully. Pay attention to:
- Claim Process: Understand how to file a claim and the documentation needed.
- Refund Policies: Make sure you know the refund policies for cancellations or changes to your trip.
- Limits and Deductibles: Be clear about the limits on the amounts covered, as well as any deductibles you may need to pay out-of-pocket.
7. Look for Additional Perks
Some travel insurance companies offer additional benefits, such as concierge services, lost passport assistance, and emergency travel support. These perks can add value to your coverage and make your trip more enjoyable.
Conclusion
Choosing the right travel insurance company involves considering factors such as the type of coverage, customer service, your travel needs, and the provider’s reputation. By following these guidelines and comparing different companies and plans, you’ll be better equipped to select the best travel insurance for your upcoming trip. Make sure the coverage aligns with your travel plans, so you can travel with confidence, knowing you’re protected against unexpected events.
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