Best Travel Insurance Companies
Best Travel Insurance Companies in the USA 2023/2024

Your trip can be canceled or cut short for a variety of reasons, such as bad weather, illness, or even a shutdown of the government. Travel insurance covers you in the event that one of these scenarios occurs. The majority of policies also include coverage for any lost luggage or medical treatments acquired while traveling outside of the country.

The best policies for travel insurance are those that are inexpensive while yet delivering excellent coverage, having few exceptions or limits, and having high ratings for customer satisfaction. You can select the best travel insurance provider for you with the assistance of our list of the best travel insurance providers, but you should still do additional research to ensure that the policy covers your specific trip.

12 Best Travel Insurance Companies by U.S News

(Updated in June 2023)

Travelex Insurance Services: Best Overall

Allianz Travel Insurance: Best for Cancel for Any Reason Add-on

Seven Corners: Best for 24/7 Support When Traveling

World Nomads Travel Insurance: Best for Adventure Travelers

AXA Assistance USA: Best for Coverage of Luggage and Personal Items

AIG Travel Guard: Best for Cruise Insurance

Generali Global Assistance: Best for Emergency Situations

Berkshire Hathaway Travel Protection: Best for Flight Insurance

HTH Travel Insurance: Best for Groups

Trawick International: Best for Vacation Rental Insurance

Tin Leg: Best for Budget-Friendly Plans

Nationwide Insurance: Best for Last-Minute Travel Insurance

The Best Travel Insurance Companies by Forbes

(Updated June 2023)

HTH Worldwide – Great For Medical Coverage

Nationwide – Best For Upgrades

Seven Corners – Best Value For Robust Coverage

Travel Insured – Best For Non-Medical Evacuation

TravelSafe – Best For Missed Connection Coverage

WorldTrips – Great For Add-On Coverages

AXA Assistane USA – Best For Baggage And Personal Effects Coverage

Cat 70 – Great For Parents

Generali Global Assistance – Great For Pre-Existing Medical Condition Coverage

IMG – Great For Dog Owners

John Hancock Insurance Agency – Best For Ad&D Coverage

Tin Leg – Great For Price

Trawick International – Great For Rental Car Coverage

USI Affinity Travel Insurance Services – Great For Superior Coverage

Berkshire Hathaway Travel Protection – Great For Hurricane And Weather

GoReady Insurance – Best For Price

Travelex Insurance Services – Best For Families

Top 12 Best Companies for Travel Insurance in the US

(Ranked by KnowInsiders)

1. Travelex Insurance Services: Best Overall

The two main types of travel insurance offered by Travelex are Travel Basic and Travel Select. The company also has a United States-specific travel program called Travel America. Additionally, Travelex provides a number of add-ons that enable you to tailor your coverage to meet your unique requirements.

If you're looking for a cheap choice, you should think about the company's Travel Basic plan. This plan will pay 100% of the covered trip cost for trip interruptions and cancellations, as well as up to $500 for delays. Along with up to $100,000 in coverage for emergency medical evacuation and repatriation, $15,000 in coverage for emergency medical and dental care, and a total of $100,000, it also offers up to $500 in coverage for lost, damaged, or stolen luggage and personal items. You can also get primary insurance without a deductible. The company recommends this itinerary for short domestic vacations.

If you are going abroad, you should think about the Travel Select plan. High coverage limits are available to you with this plan, including personal effects and baggage coverage up to $1,000, emergency medical evacuation and repatriation coverage up to $500,000, and emergency medical and dental coverage up to $50,000. Minors under the age of 17 who travel with an insured adult are also covered without additional cost.

You can also include customized upgrades from Travelex in your plans, such as coverage for car rentals and accidental death and dismemberment insurance. You have 15 days from the date of your initial trip deposit to add a preexisting condition waiver to your Travel Select plan. The Travel Select plan allows for the addition of extra protection for adventure sports like mountain climbing, skiing, or scuba diving. In addition, Travelex provides online options for purchasing policies, requesting documents, and filing claims.

Pro: Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Con: Adventure sport and additional medical coverage plan upgrades are not available with the Travel Basic plan


2. Allianz Travel Insurance: Runner-Up, Best Overall

To meet the needs of various travelers, Allianz Travel Insurance provides ten different travel insurance options. You can purchase both coverage for a specific trip and an annual travel insurance plan if you frequently travel and would like to avoid buying a new travel insurance policy each time.

When it comes to purchasing travel insurance for a specific trip, Allianz offers various levels of coverage. While each plan has its own inclusions and coverage limits, the OneTrip Premier plan is its most popular single-trip option.

The advantages of OneTrip Premier include up to $100,000 in trip cancellation insurance, $150,000 in trip interruption insurance, $50,000 in emergency medical coverage, up to $1,000 in baggage loss, theft, or damage insurance, and up to $800 in travel delay insurance. Children under the age of 17 are also completely free of charge under the OneTrip Premier plan when traveling with a parent or grandparent. Additionally, you can add extra insurance for rental cars or pre-existing conditions.

In addition, Allianz accepts online applications for travel insurance quotes, claims, policy updates, and claim status checks. Additionally, the company offers a smartphone app so that you can manage your subscription from your preferred mobile device. If customers encounter any issues, they can also call a hotline that is manned around-the-clock for assistance.

Pro: Annual and multitrip policies are available

Con: Distinguishing between the company's 10 travel insurance plans can be confusing


3. World Nomads Travel Insurance: Most Comprehensive Coverage

World Nomads offers a range of adaptable travel insurance plans with various levels of coverage and prices, depending on your preferences. In contrast to other travel insurance companies, it offers standard coverage for adventure sports like scuba diving, mountain biking, bungee jumping, and skiing. Its policy provisions are extensive.

There are typically two travel insurance plans available when you request a free quote from World Nomads: a Basic Plan and an Explorer Plan. While the Basic Plan offers less comprehensive coverage for a lower monthly cost, the Explorer Plan offers more comprehensive coverage for a higher premium.

For instance, the Basic Plan only offers $2,500 in trip insurance while the Explorer Plan guarantees $10,000 in coverage. Emergency evacuation coverage is guaranteed for $300,000 under the Basic Plan and $500,000 under the Explorer Plan. Both policies cover $100,000 in urgent care expenses.

Both policies (with varying levels) provide coverage for trip cancellation, trip interruption, loss of or damage to luggage and personal belongings, rental car insurance, accidental death and dismemberment, and more. You can easily submit a quote request to Global Nomads online, as well as a travel insurance claim.

Pro: Adventure sports are covered at no additional cost

Con: Standard plan only promises up to $2,500 in trip protection


4. HTH Travel Insurance: Best for Seniors

With HTH Travel Insurance, customers can choose from a wide range of options to meet their needs. You can buy medical-only coverage for one or more trips, solo trip cancellation insurance, and more. HTH Travel Insurance provides comprehensive travel insurance as well as coverage for specific segments of your trip. Plans are available in three levels: Preferred, Classic, and Economical.

The typical Classic plan includes benefits such as up to $1 million in medical transportation coverage, up to $250,000 in sickness and accident coverage per person, up to $25,000 in cancellation coverage, 150% of the trip cost in trip interruption coverage, up to $1,000 in baggage and personal effects coverage, $200 in baggage delay coverage, and up to $1,000 in trip delay coverage.

The Preferred plan offers even higher limits for those who require extra insurance, such as up to $50,000 in trip cancellation coverage, 200% of the cost of your trip in trip interruption coverage, $500,000 in medical coverage for illness and accident, and more.The Classic and Preferred plans allow you to add prior condition coverage as long as you do so within 14 (Classic) or 21 (Preferred) days of paying your initial trip deposit.

Pro: Generous coverage at the mid-tier level

Con: Preexisting conditions coverage is only available at mid- and high-tier plans


5. Nationwide Insurance: Best for Cruises

To meet the needs of various types of travelers, Nationwide Insurance, a well-known company in the insurance sector, provides three different types of travel insurance: cruise insurance, annual trip insurance, and single-trip insurance. Nationwide offers two single-trip insurance options: Essential and Prime.

The fundamental Plan includes up to $10,000 in trip cancellation coverage, up to $250,000 in emergency medical evacuation coverage, up to $150 per day reimbursement for delays longer than six hours, and coverage for delayed or lost baggage.

The Prime Plan offers the option to add a cancel for any reason policy, as well as more extensive coverage with higher limits. The following are some advantages of Nationwide's Premier Plan:

Trip cancellation coverage up to $30,000

Trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)

Missed connection and itinerary change coverage of $500 each

$250 per day for trip delays (six hours or more)

Up to $1 million in coverage for emergency medical evacuation

Up to 75% of the cost of your trip is covered if you must cancel. (In order for the cancel for any reason coverage to be effective, it must be purchased for an additional cost within 21 days of your initial trip payment.)

Ordering insurance from Nationwide Insurance is possible up to one day before the start of your trip. To file a claim, customers must get in touch with the claims department, which can then arrange for the delivery of several forms on which they can fill out all the necessary data. The information must then be sent by mail, email, or fax. Nationwide estimates that it takes about 15 business days for a review to be finished before a representative contacts you and asks for additional information or supporting documentation.

Pro: Variety of plans to choose from

Con: Cancel for any reason addition is only available on the premium plan


6. GeoBlue: Best for Medical Coverage

For less money than a full travel insurance package, GeoBlue provides a variety of ways to purchase travel medical insurance coverage. In the event that you don't want or require additional travel insurance, it provides medical coverage on its own.

By giving users access to an elite network of providers, cutting-edge mobile and online tools, the practicality of telemedicine tools, and first-rate customer service, GeoBlue offers peace of mind to people who travel the world and expats who lead a global lifestyle. We take great pride in being the global community's go-to source for complete, dependable, and convenient protection of your health and safety.

Going away from home for work, school, or a trip? Make sure you bring the appropriate international travel health insurance. With GeoBlue, get worldwide coverage.

You do not need to be a current member of a Blue Cross and/or Blue Shield medical plan in order to purchase a GeoBlue plan, despite the fact that GeoBlue is an independent licensee of the Blue Cross Blue Shield Association.


Coverage for medical needs when traveling

Gives a la carte medical coverage when other trip costs are already covered

Different policies allow you to cover various needs and pre-existing conditions


Primarily covers medical costs

Additional primary medical coverage required


7. AIG Travel: Best for Cruise Insurance

AIG Travel offers three different travel insurance choices: the Yearly plan, which insures all journeys made within a calendar year; the Pack N' Go plan for quick getaways; and the Single-Trip plan (of which there are three tiers). You can insure single excursions with Essential, Preferred, or Deluxe level coverage, depending on the price of your trip and the amount of compensation you want to be guaranteed.

The limits and extent of coverage under your plan may vary depending on the particulars of your trip. Because of this variation, you must use the AIG Travel search engine to request a quote in order to verify the coverage levels you qualify for.

AIG travel insurance policies typically cover children under the age of 17. With a mid-tier Preferred plan, you might be eligible for trip cancellation coverage up to 100% of your trip's cost (up to $150,000) and trip interruption coverage up to 150% of your trip's cost (up to $225,000). Medical expense coverage up to $50,000 and travel delay coverage up to $800 may also be included, depending on the particulars of your trip.

Although it provides few details about its plans before requesting a quote, AIG Travel makes it simple for customers to submit a claim or check the status of a travel insurance claim online.

Pro: Travel insurance policy coverage is tailored to your specific trip

Con: Information about policy coverage inclusions is not readily available without first obtaining a quote


8. Seven Corners: Best for 24/7 Support When Traveling

Seven Corners offers travelers to the US travel insurance that includes medical coverage in addition to providing travel insurance for Americans. Along with student travel insurance, group travel insurance, and annual travel insurance for frequent travelers, you can purchase travel medical insurance plans with up to $5 million in coverage.

RoundTrip Trip Cancellation Travel Insurance is the featured travel insurance option from Seven Corners; this is the kind of plan you might be tempted to buy to cover a single trip you have planned for the year. Americans can choose between elite or economic coverage levels.

The following are just a few of the main benefits of the basic RoundTrip Economy package:

Trip cancellation coverage up to $20,000

Trip interruption coverage good for up to 100% of the cost of the trip

Trip delay coverage worth $250

Missed connection coverage worth $250

Emergency medical coverage worth up to $10,000

Emergency dental coverage up to $750

Emergency evacuation and repatriation coverage up to $100,000

Lost, stolen or damaged baggage coverage up to $500

This level of coverage can cover any preexisting conditions if you purchase your plan within 20 days of your initial trip deposit and meet other requirements. Also keep in mind that you can upgrade any plan you buy from Seven Corners by adding extras like rental car coverage, flight accident coverage, and cancel for any reason coverage.

Pro: Coverage for preexisting conditions

Con: Cancel for any reason coverage costs extra


9. Generali Global Assistance: Best for Emergency Situations

Generali Global Help offers three travel insurance plans that you can customize to fit your needs: the Basic plan, the Preferred plan, and the Premium plan. The Premium plan, for a higher upfront premium, offers more coverage and higher limits while the Basic plan offers the least amount of coverage.

The Preferred plan promises more comprehensive coverage than the Standard plan as well as special coverages for sporting equipment and delays in sporting equipment. This makes this plan a wise decision if you're taking a golf or skiing vacation.

For more expensive excursions like tours and cruises, the Premium plan offers the most complete coverage. In addition to other benefits, this upgraded plan ensures a $250,000 medical and dental coverage per person, a 100% refund for trip cancellation, a 175% refund for trip interruption, and a $2,000 coverage for lost baggage per person. Generali Global Help makes it simple to request a free estimate, and you can make a claim for your travel insurance over the phone or online.

Pro: Sporting equipment coverage is included in the company's mid-tier plan

Con: Coverage for those with preexisting conditions is only available on the Premium plan


10. Berkshire Hathaway Travel Protection: Best for Flight Insurance

With Berkshire Hathaway Travel Protection, you can choose from a variety of travel insurance plans and get a free online quote in just a few minutes. The three levels of coverage provided by the business, in addition to travel insurance specifically for flights or cruises, are ExactCare Value, ExactCare, and ExactCare Extra. Additionally, the company offers distinctive travel arrangements for events like road trips, cruises, and more.

Families ought to select the ExactCare mid-tier plan from Berkshire Hathaway, which offers:

Trip cancellation coverage worth up to 100% of the trip cost

Trip interruption coverage worth up to 150% of the trip cost

Trip delay coverage worth up to $1,000

Medical coverage worth up to $25,000

Emergency medical evacuation worth up to $500,000

Missed connection coverage worth up to $500

All Berkshire Hathaway Travel Protection plans for individual visits offer round-the-clock, international travel assistance. This can be very helpful if your wallet is stolen or lost, you need urgent translation services, you lose your passport while traveling abroad, or if any other travel-related mishaps happen.

Berkshire Hathaway makes submitting a claim simple with its online portal. Additionally, you can review and update the details of your policy online. Berkshire Hathaway also boasts that it pays claims five times faster than the industry average, so if you're worried about pending claims and reimbursement timelines, take heart.

Pro: All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Con: Missed connections and accidental death and dismemberment coverage are not part of the most basic plan


11. AXA Assistane USA: Best for Coverage of Luggage and Personal Items

For customers who want to spend more (or less) to get the right level of coverage, AXA Help USA offers Silver, Gold, and Platinum levels of travel insurance. The Gold Plan is AXA's mid-tier option, offering $100,000 in coverage for accidents and illnesses as well as 100% coverage for trip cancellation, 150% coverage for trip interruption, $200 per day of delay coverage (up to $1,000), $1,000 in coverage for missed connections, and $500,000 in coverage for emergency medical evacuation. The Gold Plan also provides $300 in coverage for baggage delays and $1,500 in coverage for baggage and personal items.

The Silver Plan is an alternative if you want to save money, but the Platinum Plan offers more coverage and higher coverage limits. The Platinum Plan, which is even more especially created for active vacationers, provides coverage for skipped ski days ($25 per day), lost golf holes ($500), and lost sports equipment rentals ($1,000). Additionally, this level of coverage is the only one that AXA offers that lets you modify your policy to allow cancellation for any reason. You'll be able to get 75% of your travel costs back if you decide to cancel your trip. (Note: The Cancel for Any Reason coverage must be purchased within 14 days of your initial trip deposit in order to be applicable.)

AXA Help USA plans also come with a 10-day money-back guarantee. This suggests that you can purchase a plan, change your mind, and get your premiums reimbursed as long as you haven't started your trip or made a claim.

Pro: All plans include missed connection coverage

Con: Only the highest-tier plan allows travelers to add cancel for any reason coverage


12. IMG Travel Insurance: Great For Dog Owners

The three primary coverage types that IMG Travel Insurance focuses on are travel medical insurance, international health insurance, and traditional travel insurance. This company also offers plans designed especially for students, expats, and government workers in addition to a GlobeHopper Senior plan for retired travelers 65 years of age and older.

The three main travel insurance plans that IMG provides for families or business travelers are the iTravelInsured Travel Lite, iTravelInsured Travel SE, and iTravelInsured Travel LX. Its mid-tier iTravelInsured Travel SE plan, which is good for both domestic and international travel, offers family-friendly travel insurance. The following are some benefits of purchasing this package:

Trip cancellation coverage worth up to 100% of the trip cost

Trip interruption coverage worth up to 150% of the cost of the trip

Travel delay coverage up to $2,000 (maximum of $125 per day)

Emergency medical evacuation coverage up to $500,000

Up to $150 in change fee reimbursement

You can still purchase this plan up until the day of your departure. It's interesting to note that various costs, such as additional pet kennel fees or family internet usage costs, may be covered by the travel delay coverage. There is also an option for additional rental car damage coverage up to $40,000.

Pro: A plan specifically designed for retired travelers ages 65 and older is available

Con: The company's iTravelInsured Travel Lite plan does not include primary coverage


In Conclusion

When it comes to purchasing travel insurance, you have a wide variety of choices available to you.

Whether you're spending money on a long-awaited fantasy vacation or a spur-of-the-moment excursion, purchasing travel insurance as part of your vacation planning will help protect your financial investment in the trip. When something goes wrong on your trip, having travel insurance can save you money, time, and a lot of frustration.

In the event that your trip plans are altered or derailed at the eleventh hour, having this protection can give you peace of mind and help you avoid losing thousands of dollars. Your trip plans are susceptible to being derailed by unforeseen circumstances due to the presence of global events such as pandemics, natural catastrophes, and wars; therefore, purchasing travel insurance can assist you in being better prepared.

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