The Best Travel Insurance Companies
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- PrimeCover – Best for evacuation
- International Travel Insurance – Best for non-medical evacuation
- WorldTrips – Best for add-on coverage
- TravelSafe – Best for missed connections
- Nationwide – Best for policy perks
- AIG – Best for customization
- Seven Corners – Best for medical and evacuation
- AXA Assistance USA – Best for baggage
- Generali Global Assistance – Best for coverage of pre-existing medical conditions
- Travelex – Best for families
- HTH Worldwide Travel Insurance – Best for travel disruptions
- Nationwide – Best for cruise travel program changes/distress
1. PrimeCover
| Top-Scoring Plan | Luxe |
|---|---|
| Average Cost | $496 |
| Medical & Evacuation Limits Per Person | $250,000 / $1 million |
“We recommend the Luxe policy because it offers high benefit limits for nearly all essential coverage types. We are particularly impressed by its generous evacuation coverage, short waiting period for delays, and the extensive range of optional benefits.”
Pros:
- It provides “Preferred Hospital” coverage for medical evacuation, meaning you can choose your medical facility instead of being taken to the nearest treatment center.
- $100,000 in non-medical evacuation benefits.
- 200% Superior Trip Interruption Reimbursement, which is double that of many competitors.
- You can purchase a “Cancel for Any Reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.
Cons:
- Medical expense coverage of $250,000 per person is great, but some competitors provide $500,000.
2. Travel Insured International
| Top-Scoring Plan | Worldwide Trip Protector |
|---|---|
| Average Cost | $370 |
| Medical & Evacuation Limits Per Person | $100,000/$1 million |
“We recommend the Travel Insured Worldwide Trip Protector policy because it offers strong benefits at the lowest average cost among the top-rated plans we analyzed. We also appreciate its high non-medical evacuation coverage.”
Pros:
Cons:
- $100,000 in medical coverage per person is lower compared to top competitors but may be sufficient for your needs.
- The $500 missed connection benefits are lower compared to higher-tier competitors and are only for cruises and tours.
3. WorldTrips
| Top-Scoring Plan | Atlas Journey Premier |
|---|---|
| Average Cost | $408 |
| Medical & Evacuation Limits Per Person | $250,000/$1 million |
“We like the Atlas Journey Elevate plan for its wide range of add-ons. These add-ons provide additional coverage for pets traveling with you, adventure sports, medical expenses, and more. We also like that this plan has a lower average cost compared to competitors.
The second option is the Atlas Journey Escape plan, but this policy does not offer a ‘Cancel for Any Reason’ upgrade and has lower travel medical benefits of $150,000 per person. Still, it checks all the boxes for great benefits at a lower price. It also offers many options for add-on coverage.”
Pros:
Cons:
- Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
- Baggage delay benefits have a 12-hour waiting period.
4. TravelSafe
| Top-Scoring Plan | Classic Plus Plan |
|---|---|
| Average Cost | $431 |
| Medical & Evacuation Limits Per Person | $100,000/$1 million |
“TravelSafe’s Classic Plus plan stands out in our analysis for its $2,500 missed connection benefits. We also appreciate the Classic Plus plan’s high medical evacuation coverage of $1 million.”
Pros:
Cons:
- $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
- The coverage for baggage delay is slightly lower at $250 per person after a delay of 12 hours.
5. Nationwide
| Top-Scoring Plan | Cruise Luxury |
|---|---|
| Average Cost | $485 |
| Medical & Evacuation Limits Per Person | $150,000/$1 million |
Pros:
Cons:
- Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
- 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.
6. AIG
| Top-Scoring Plan | Travel Guard Deluxe |
|---|---|
| Average Cost | $539 |
| Medical & Evacuation Limits Per Person | $100,000/$1 million |
“The Travel Guard Deluxe Plan impressed us with its optional upgrades for pets, weddings, security, baggage, medical coverage, adventure sports, and travel inconvenience. These add-ons allow you to customize the policy according to your needs. We also appreciate that the policy includes benefits if, under certain conditions, you need to start your trip earlier than planned — a feature not found in all policies.”
Pros:
Cons:
- The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
- Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.
