8 Best Travel Insurance Companies for 2025

Travel Disruptions Are the New Normal.

Delayed flights. Lost luggage. Sudden illness halfway across the world. If you have traveled recently, you already know things don’t always go as planned.

These days having solid travel insurance is essential.

But let’s be honest, not all travel insurance is created equal. Some providers are great at making promises, but not so great when it’s time to deliver, especially when you need help fast.

To help you make a confident choice, we have carefully researched the most reputable travel insurance companies available right now. (Learn more about our research process here.)

Every company featured here has earned its spot by doing the right thing when it counts—fair terms, fast responses and no surprises when you are already stressed enough.

Because when the unexpected happens, the last thing you want is a call to customer service that goes nowhere.

Travelex Insurance

Travelex Insurance Services provides three single trip travel insurance plans. Essential, Select and Ultimate. Each plan varies in terms of coverage limits and available benefits. Travelers can choose according to their trip type and risk level.

The Ultimate Plan is the best option. It is designed for travelers who need higher benefit limits and more flexibility.

Travelex also allows travelers to add optional upgrades such as Cancel for Any Reason (CFAR), adventure sports coverage, rental car protection and pet medical coverage.

Purchasing the plan within 21 days of your initial trip deposit also makes you eligible for a pre-existing medical condition waiver.

Under Ultimate Plan, you get:

• Up to 100% of trip cost for cancellation (max $50,000)

• Up to 150% of trip cost for interruption (max $75,000)

• Up to $2,000 for lost, stolen or damaged baggage

• Up to $200 for baggage delays

• Up to $2,000 for trip delays

• Up to $750 in missed connection coverage

• Up to $250,000 in emergency medical and dental (with a $500 dental sublimit)

• Up to $1 million for medical evacuation and repatriation

Customer Ratings:

Trustpilot: 3.9 out of 5

Squaremouth: 4.43 out of 5

Customers praise Travelex for its clear policy terms, fast customer service and simple online coverage purchase. Although processing times vary, many users say the process goes smoothly with support from the team.

Allianz Travel Insurance

Allianz Travel Insurance offers 10 different travel insurance plans, which includes single trip and annual multi trip plans designed for both occasional vacationers and frequent travelers.

Their OneTrip series covers individual trips, while the AllTrips series is built for those who take multiple trips per year.

We recommend it especially for frequent travelers. The AllTrips Premier Plan is the best option here. As it covers for the whole year round coverage.

They serve with 24/7 travel assistance, SmartBenefits™ for quicker claim payouts and coverage for children under 18 at no extra cost when traveling with a parent or grandparent.

Under AllTrips Premier Plan, you get:

• Up to $15,000 for trip cancellation

• Up to $25,000 for trip interruption

• Up to $2,000 for trip delay

• Up to $2,000 for lost, stolen, or damaged baggage

• Up to $1,000 for baggage delays

• Up to $50,000 for emergency medical

• Up to $1 million for emergency medical evacuation

• Coverage for multiple domestic and international trips, up to 365 days

Customer Ratings:

Trustpilot: 4.2 out of 5

Squaremouth: 4.16 out of 5

Customers value Allianz for its reliable year-round protection, smooth digital claims process and responsive customer support.

Nationwide Insurance

The company has been in the insurance industry since 1926. Formerly known as Farm Bureau Mutual and rebranded in 1955 and entered into the Fortune 500 companies.

It serves US residents with a range of services that includes travel and trip insurance. Some of them are single-trip options, cruise-specific plans and annual coverage for multiple trips.

Essential and Prime plan are two key-single trip insurance plans. The eEssential plan is affordable and Prime costs are high but comes with additional benefits.

The pre-existing condition waiver comes with both the plans, but for Essential it should be purchased within the 10 days and for Prime it should be purchased within the 21 days of initial trip payment.

Add-ons like Cancel for Any Reason (CFAR) and rental car damage are available only with Prime plan.

Under the Prime Plan, you get:

• Up to 100% of trip cost for cancellation

• Up to 150% for interruption

• Up to $2,500 for lost/damaged baggage

• Up to $600 for baggage delay

• Up to $1,000 for trip delay

• Up to $250,000 in emergency medical (primary coverage)

• Up to $1 million for evacuation and repatriation

• Eligible pre-existing condition waiver (as noted)

Customer Ratings:

Trustpilot: 4.2 out of 5

Squaremouth: 4.47 out of 5

Users consistently praise Nationwide’s primary medical coverage, a standout feature that offers peace of mind, especially for travel abroad. One traveler said Nationwide was "super flexible" during COVID-related reschedule. After the trip, the company processed and paid the return delay claim as expected.

AIG Travel Guard

AIG Travel Guard is one of the most well known travel insurance providers in the US. Founded in 1982 and became part of American International Group (AIG) in 2006.

It offers several plans including Deluxe, Preferred, and Essential, each designed for different budgets and risk levels. The Deluxe plan offers the most complete protection with higher coverage limits.

Additional benefits include Cancel for Any Reason (CFAR), rental car damage protection, adventure sports rider and medical bundle upgrades. You can get a waiver for pre-existing conditions if you buy the policy within 15 days of your first trip payment.

Under the Deluxe Plan, you get:

• Up to 100% of trip cost for cancellation

• Up to 150% of trip cost for interruption

• Up to $1,000 for lost, stolen, or damaged baggage

• Up to $300 for baggage delay

• Up to $800 for trip delay

• Up to $100,000 in emergency medical coverage

• Up to $1 million in emergency medical evacuation

Customer Ratings:

Trustpilot: 3.9 out of 5

Squaremouth: 4.13 out of 5

Travelers appreciate the company for its solid emergency support and the financial stability behind the AIG brand. Reviews note that while claims timelines can vary, the process is typically clear and well-communicated.

Seven Corners

Seven Corners offers a wide range of travel insurance options like medical-only plans, cruise-specific coverage, multitrip annual plans and standard single-trip policies.

Their customer service team operates 24/7, ready to assist with emergencies. The two best choices for single trips are Trip Protection Basic(more affordable) and Trip Protection Choice(most coverage).

In some states, these plans are also labeled as Economy and Elite instead.

Both plans offer optional Cancel for Any Reason coverage, but the preexisting condition exclusion waiver is only available with the Choice plan when purchased within 20 days of your first trip payment.

Under the Trip Protection Choice Plan, you get:

• Up to 100% of trip cost for cancellation

• Up to 150% of trip cost for interruption

• Up to $2,500 for lost or damaged baggage

• Up to $600 for baggage delay

• Up to $1,000 for trip delay

• Up to $500,000 in emergency medical coverage

• Up to $1 million for evacuation and repatriation

• Pre-existing condition waiver (if eligible and purchased within 20 days)

Customer Ratings:

Trustpilot: 4.3 out of 5 (based on 2,100+ reviews, 2025)

Squaremouth: 4.46 out of 5

Many users note that the medical coverage limits are higher than average for the price. This makes Nationwide a solid choice for long-haul or high-cost destinations.

Best for Complete Trip Coverage

General Global Assistance

General Global Assistance offers three tiered plans to match different budgets and protection levels. Standard, Preferred and Premium.

All plans include trip cancellation, trip interruption, emergency medical and 24/7 travel assistance services. Premium plans alone expand coverage and limits.

Especially, pre-existing condition waiver is available with Premium plan, when purchased within 24 hours of initial trip payment. Usually other companies have a higher deadline of within 10 to 20 days.

Generali stands out for its strong support network. The company has access to a global network of doctors, hospitals and emergency transport services.

The company also provides identity theft resolution services, which is rare in the travel insurance space.

Under the Premium Plan, you get:

• Trip cost reimbursement (for cancellations)

• Trip interruption coverage (up to 175% of trip cost)

• Baggage loss or damage protection (up to $2,000)

• Baggage delay coverage (up to $500)

• Trip delay compensation (up to $1,000)

• Emergency medical coverage (up to $250,000)

• Emergency medical evacuation (up to $1 million)

• Pre-existing condition waiver (if purchased within 24 hours of final trip payment)

• Rental car damage coverage (up to $25,000)

• Identity theft resolution services

Customer Ratings:

Squaremouth: 4.36 out of 5 average rating

Trustpilot: Approximately 3.1–3.4 out of 5 based on 600+ reviews

SafetyWing

SafetyWing provides two core insurance plans designed specifically for digital nomads, remote workers and long-term travelers. The Nomad Insurance and Nomad Health.

Both plans are subscription-based and renew every 28 days, which makes them a good choice if you don’t have a set return date.

It lets you buy or start coverage after you have already left your home country, giving you extra flexibility that most traditional insurers don’t offer.

We believe the Nomad Health plan is the best overall from SafetyWing. With the Nomad Health plan, you'll get:

• Global medical coverage, including limited coverage in your home country

• Coverage for hospital stays, doctor visits and prescription medications

• Preventive care and maternity benefits (after a waiting period)

• Emergency medical evacuation

• Mental health care and physical therapy support

• The ability to cancel anytime without fees

Nomad Insurance plan covers travel-related problems and medical emergencies. It’s a good option if you want a more basic and affordable plan for general travel protection.

Customer Ratings:

Trustpilot: 4.2 out of 5

Many customers appreciate the flexible monthly payments, low cost and simple process to extend coverage while abroad.

Some reviews describe customer service as helpful, though they report that the company processes claims more slowly than some traditional insurers.

Travel Insured International

Travel Insured International offers several travel insurance plans for both domestic and international trips.

The most complete option is the Worldwide Trip Protector Platinum Plan, which provides high coverage limits and extra flexibility for travelers who want stronger protection. This plan is a good fit for those taking expensive or complex trips.

We recommend the Worldwide Trip Protector Platinum Plan as the best from Travel Insured. And with Platinum Plan, you will get

• Up to $500,000 per person in emergency medical coverage

• Up to $1 million per person in emergency medical evacuation

• The ability to choose your hospital after the first transport

• High coverage levels and strong optional add-ons

• A pre-existing condition waiver if you buy the plan within 21 days of your first trip payment

Travel Insured is backed by United States Fire Insurance Company, which holds an A rating from A.M. Best. It also offers Cancel for Any Reason (CFAR) and Interrupt for Any Reason (IFAR) upgrades with a longer purchase window than many other insurers.

Customer Ratings:

Squaremouth: 4.41 out of 5 (based on 3,639 reviews)

Trustpilot: 4.3 out of 5 (from over 1,350 reviews)

Some travelers say they received full reimbursements for medical claims and appreciated the fast, smooth payout process. Others say they faced claim denials in cases related to war or terrorism and recommend reading the policy details carefully before purchasing.