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Generali Global Assistance Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

Generali Global Assistance plans and costs

Which generali travel insurance plan is best for me, coronavirus considerations, how to choose a generali plan online, what isn’t covered with generali, generali insurance, recapped.

• Three plan options.
• Includes wide ranging COVID coverage.
• The premium plan includes pre-exisiting medical condition coverage.
• Rental car coverage only on highest cost plan.
• CFAR only covers 60% of travel costs (75% is found elsewhere).
• Baggage delay benefits don't kick in until 24 hours on the Standard plan.

More travelers than ever are considering travel insurance, but navigating the vast seas of insurance companies and coverage options can leave you feeling less than enthused about your next trip. But if you want to protect your investment, Generali Global Assistance is a notable provider. Here’s what to expect and the plans the company offers.

Generali offers three different plans (Standard, Preferred or Premium), depending on what type of trip you’re planning. Each offers a different level of coverage and benefits.

Generali plan cost

Here’s a closer look at what a standard coverage plan with Generali might cost. Let’s say you and your partner — two travelers in their thirties — are planning to take a roughly $4,000 trip from New York to Germany for one week.

For this itinerary, a Generali Standard plan would cost $144. Rental car coverage isn’t included, but you can add it to your plan for $63 for the week.

The Preferred level of coverage can be a good option for those traveling with expensive gear like golf clubs or skis. For the same sample itinerary, a Generali Preferred plan would cost $162, an $18 upgrade from Standard. Rental car coverage is also extra.

The Premium plan is designed for luxury travel or vacations with a high price tag. Notably, this plan includes rental car insurance for no extra fee. Also important to note that only the Premium plan offers coverage for pre-existing medical conditions . A Generali Premium plan for our sample itinerary would cost $217, a $55 upgrade from Standard.

» Learn more: How to cancel a flight with travel insurance

It’s important to choose the right coverage for you and your trip based on your needs and what each plan covers. So make sure to look at each carefully.

If you have pre-existing medical conditions, your best bet will be to stick with the Premium plan. It’s more expensive, but you’ll be covered no matter what medical issues arise on your trip.

The Standard plan is the only one with no coverage for accidental death and dismemberment during on-the-ground travel (air travel is covered, though).

If you’re traveling with sports equipment, you may want to opt for one of the top two tiers of coverage. Just make sure to accurately estimate how much your gear is worth to ensure you’re getting the coverage you need.

If your trip is worth more, you’re bringing more luggage, etc., consider more expensive coverage. That way, if something goes wrong, you, your possessions and plans are more fully protected.

Unlike some other travel insurance companies, Generali (formerly known as CSA Travel Protection or colloquially as CSA Travel Insurance) offers COVID-19 coverage with every plan. That means that if you, a family member or a travel companion test positive for COVID-19 before or during your trip, you’ll be covered for trip cancellation and interruption, travel delay, medical and dental, and emergency assistance and transportation.

You’ll also be covered if you have to extend your trip due to quarantining or isolation and can’t return home on schedule.

You do have to meet certain requirements to qualify — such as using an approved test and taking it while in front of an authorized supervisor.

When it comes time to get a quote and choose your travel insurance plan, you can do so on the Generali website. Type in trip details like destination, where you’re from, your age, the total cost of the trip and your travel dates. Quotes for all three tiers of plans will be presented.

Then, select add-ons like rental car insurance if you’re not opting for the Premium plan and start the checkout process.

Like many travel insurance policies, there are several incidents that aren’t covered by Generali travel insurance. Examples include injuries that result from mental disorders, pregnancy, injuries as a result of being under the influence of drugs or alcohol, or if you are flying an aircraft yourself.

Destination matters, too. As of publication, you can’t get coverage for travel to Belarus, the Crimea Peninsula, Cuba, Iran, North Korea, Russia, Syria or Ukraine. Also, you won’t be covered for anything that results from acts of war or civil disorder.

If you’re participating in extreme sports or activities like skydiving, mountain climbing or backcountry skiing, many benefits won’t be covered.

No matter what policy you choose, read the fine print before your buy, including everything that’s excluded from coverage. That will help ensure there are no surprises if your trip goes awry.

Generali provides three tiers of travel insurance for those who want to protect their nonrefundable trip expenses and/or who want to have a safety net in case their travels are disrupted or canceled.

Just like with any travel insurance policy, check to see if you’re already covered before you buy ( many travel credit cards offer travel insurance ), determine what kind of coverage you need and how much, and always read the details of what is and isn't included in coverage. That goes for policies available from Generali Travel Insurance as well as other providers.

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Generali Global Assistance Travel Insurance Company Review

Extra protection to cover your travel related expenses

Company Overview

In a perfect world, we would never have to change plans or delay a trip or vacation. Since plans do change and you may need extra protection to cover your travel-related expenses, there is travel insurance. One company to consider for your travel insurance needs is Generali Global Assistance, formerly known as CSA Travel Protection Insurance Company, which has been providing protection for travelers since 1991. Even though the company rebranded in 2017 to Generali Global Assistance, there are travel insurance plans that still carry the CSA Travel Protection name.

The company’s U.S. operations are based out of San Diego, California. Generali Global Assistance is owned by Europ Assistance Group (EA), which is a worldwide organization providing emergency assistance services and has been in business since 1963.

Financial Stability

Generali Group has an A (Excellent) rating with A.M. Best Insurance rating organization , as well as a stable A- rating with Fitch and a stable Baa1 rating with Moody's.

Better Business Bureau Rating

The Better Business Bureau (BBB) file was originally opened as the CSA Travel Protection Insurance Company in 1994 and has been an accredited business since 2009. Since the brand change, the customer service rating of Generali Global Assistance has since maintained its “A+” rating with the BBB. There are a total of 197 customer reviews with 556 total customer complaints in three years, as of Sept. 2021. Of those complaints; there were 443 with products/services, 13 with advertising/sales issues, 71 with billing/collection issues, 24 with guarantee/warranty issues, and 5 were delivery issues. Also, of these complaints, 98 were resolved to the customer’s satisfaction. The company has a composite score rating of 1.03 out of 5 stars.

Available Plans

Travel insurance plans available through Generali Global Assistance are the Standard, Preferred , and Premium plans. You can review the information for each plan, receive a quote, and buy coverage right from the Generali Global Assistance Travel Insurance website. Preferred offers the added benefits of covering sports equipment and Premium is designed for expensive cruises tours. All three plans offer a combination of the following travel insurance benefits:

• Trip Cancellation
• Trip Interruption
• Travel Delay
• Baggage Delay
• Missed Connection
• Medical & Dental
• Emergency Assistance & Transportation
• Accidental Death & Dismemberment, Air Flight Accident

Optional Features and Services

You have the option of adding these optional features and services through your Generali Global Assistance travel insurance plan:

• 24-Hour Emergency Assistance Services
• Telemedicine
• No Out-Off-Pocket Medical
• Identity Theft Resolution Services
• Concierge Services
• Rental Care Damage
• Trip Cancellation for Any Reason

Exclusions to Coverage

Generali Global Assistance travel insurance plans are not available for travel to Cuba, Syria, North Korea, Sudan, The Crimea Peninsula in Ukraine, or Iran.

The company has strong financial strength and customer service ratings from the BBB. Generali Global Assistance Travel Insurance has a 10-day free look clause meaning that you can change your mind within 10 days and receive a refund as long as you have not yet left for your trip. There are three travel insurance plans with comprehensive coverage options, making it an easy process to find the right travel insurance plan and buy your policy online.

Generali Global Assistance provides its customers with a 24/7 emergency assistance hotline available from anywhere in the world. There are attractive optional service options including concierge, identity theft resolution, and telemedicine services.

Read your description of coverage carefully. If you have homeowners or renters insurance, those policies are considered primary and Generali Global Assistance will only pay what your primary insurance policy does not pay.  Some complaints from policyholders have stated that the policy language is confusing as to what is and is not a valid reason for canceling your trip.

The Bottom Line

It is a good idea to check and see how much coverage you have through other insurance policies before purchasing additional travel insurance. If you feel you need additional coverage than what you already have, Generali Global Assistance Travel Insurance is a good option to consider. They have solid financial strength ratings and have an “A+” rating from the Better Business Bureau. Generali Global Assistance travel insurance plans are customizable according to your travel insurance needs as well as offering attractive optional features.

Contact Information

To learn more about the travel insurance plans available or to receive a quote and purchase your policy, you may visit the Generali Global Assistance Travel Insurance Company website or call toll-free 800-874-2442 in the United States. You can also submit questions and comments by email at [email protected] .

Generali Global Assistance. " CSA Travel Protection: 26 Years of Travel Insurance ."

Europ Assistance. " History ."

Generali Group. " Ratings ."

Better Business Bureau. " Generali Global Assistance Complaints ."

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Generali Global Assistance. " Compare Travel Insurance Plans ."

Generali Global Assistance. " Free Look Period: Our Travel Insurance Refund Policy ."

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CSA Travel Insurance Review

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How is CSA rated?

Overall rating: 3.4 / 5 (very good), csa plans & coverage, coverage - 3.5 / 5, emergency medical coverage details, baggage coverage details, csa financial strength, financial strength - 3 / 5, csa price & reputation, price & reputation - 3.5 / 5, csa customer assistance services, extra benefits - 3.5 / 5, travel assistance services.

• Return Travel Arrangements
• Lost Baggage Search
• Lost Passport/Document Assistance
• Emergency Cash
• Translation Services
• Legal Assistance Referral
• Roadside Assistance

Emergency Medical Assistance Services

• Physician Referral
• Emergency Medical Case Management
• Arrange Medical Payment Where Available
• Emergency Prescription Replacement
• Eyeglass Replacement Assistance

Concierge Assistance Services

• Restaurant/Event Referral and Reservation
• Ground Transportation Recommendations

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CSA Travel Protection

• Plans Offered
• Customer Service

CSA Travel Protection is an established player in the travel insurance industry. They are owned by Europ Assistance and underwritten by Generali U.S. Branch , which is rated A (Excellent) by A.M. Best. CSA Travel Protection has been in business since 1991.

www.csatravelpro.com

Better Business Bureau (BBB) Rating:

1) Click here to get a travel insurance quote from CSA Travel Protection

2) Click here to compare quotes from multiple travel insurance companies  

CSA Travel Protection is a travel insurance company that has been selling policies to customers since 1991. Owned by Europ Assistance, CSA Travel Protection maintains its operations in San Diego, CA, and is known for its customizable plan options.

The company’s website is user-friendly and features plan coverage options in full detail. All disclaimers are clearly visible. Customers can enjoy numerous other benefits by signing up for one of the plans.  

Quick Quotes

Customers can get a fast and free quote to view available plans from CSA. The total trip cost along with the departure and return dates will need to be specified. Customers will also be required enter to their destination and the number and age of each traveler in order to receive a quote.  

10-Day Free Look Period

All travel insurance plans come with a 10-day free look period that comes with a full refund if a plan is canceled within 10 days of purchase. The refund is only available if the trip has not yet been taken or a claim has not been filed.  

Coverage Quality

CSA Travel Protection has been recognized for its outstanding coverage quality and strong business ethics. The Better Business Bureau has given the company an A+ rating due to its excellent customer service and honest way of doing business. CSA Travel Protection has also been recognized by the U.S. Travel Insurance Association for its outstanding work.  

Travelers have the option of choosing from the Custom and Custom Luxe plans. Each plan comes with similar coverage features.   Custom Plan – People wanting to save money can sign up for the Custom plan and still be fully covered for unused, nonrefundable and prepaid trip costs in the event of a trip cancellation. Baggage is covered up to $1,000 per person. If medical or dental care is needed during a vacation, this plan will also cover expenses of up to $50,000. Other features with the Custom plan include 24-hour emergency assistance and identity theft resolution services.   Custom Luxe Plan – The Custom Luxe plan comes with all the same features of the Luxe policy but with increased coverage amounts. This upgraded policy also covers up to $50,000 in rental car damages.   CSA Travel Protection is the perfect choice for travelers who want to enjoy some extra security while venturing to destinations across the globe. The easy-to-understand plan details and affordability of coverage make this agency a reputable travel insurance provider.

Disappointed that even though Singapore Air states on their site that they are waiving all cancellation fees, you still charged me $400 in Airline Penalty and another $400 in Total Cancellation fees.

I have been purchasing from CSA for many years and thought they went out of business, but they seem to have changed the name of the company to Generali but I also still am able to find CSA plans for purchase on many travel insurance sites. I like the Custom plan and hope that doesn’t go away.

I was very pleased to find the Custom policy, which had a nice level of benefits vs. the plan offered to my by my travel insurance for our cruise in Europe.

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Reviews 2.3.

Most relevant

They will not be there when you need them.

A travel insurance company totally focussed on what they do NOT have to pay you. Plus they charged me two excesses on the same claim. Leaving me with a £4 payout! Robbers.

Date of experience : January 30, 2024

Complete waste of time

Complete waste of time - I obtained a yellow jersey insurance policy and broke wrist in France, I still have not had a tangeble reponse from them in over 12 months, i forward all my many French authority medical bills to them and i get no response what so ever, total con. The same as others .... you wait on hold for hours, get the same lady who gives a holding response - what a waste of time.

Date of experience : July 25, 2023

Scam: Canadians are offered this Travel Protection but are not covered.

I am in Ontario Canada and booked a domestic flight to British Columbia using JustFly. CSA travel protection was offered through a link at an additional cost. I purchased the travel protection and was emailed a confirmation with additional information. In the email it clearly states: "This plan is available to residents of the United States or non-residents who have purchased this service in the United States of America." Since neither of these conditions applied to me I called for clarification. The woman I spoke to said CSA would cover me, but declined to forward anything stating this in writing. When I said I needed written confirmation that I would be covered in Canada she got annoyed and said I could just cancel the plan.

Date of experience : October 06, 2023

My family were stuck in Turkey after my niece had her passport stolen. CSA advised to book hotel stay at the same standard they had and that once they get back to put in a claim. I personally spoke to them myself too and the same advice was repeatedly given. Now they refuse to pay and keep changing their policy. Absolute scam and rip off as they have left my family in a really bad financial position especially now with a financial crisis on. I would never use them and ensure no member of my family or friends do either. This company should not be allowed to trade.

Date of experience : November 05, 2022

Carrier Cancellation claim DECLINED - total SCAM!

Booked a room that had a strict cancellation policy, so we bought the insurance which we thought would protect us in case of a cancelled flight. Well Air Canada cancelled our flight, we filed a claim, which was DECLINED! They called us and said that they only cover a cancelled flight if it was due to weather, plane malfunction, or a labor strike action. WTH??? Why those exact reasons? So a cancellation for any other reason, of the hundreds of other reasons, you are 100% out of luck! This cost us over $5000 dollars.

Date of experience : February 04, 2022

CSA Travel Insurance / Just Fly Do not refund as promised.

We booked our flights November 25, 2022 using Flight Hub and at the end of the booking we were offered the CSA Tavel Protection. My wife wanted luggage protection, so I purchased it. Everything I read stated the insurance could be cancelled and was fully refundable as long as we hadn't started the trip, so I thought it sounded okay. Our flight was to leave on December 20, 2022, it was cancelled due to weather and we were rebooked for December 22, 2022. The December 22 flight was also cancelled, due to mechanical issues. At this point the trip was no longer going to work for us. I contacted Flight Hub and they looked after the ticket refunds from the Airline, but said the insurance was separate and did know who we should contact for cancelation and a refund. "CSA Travel Protection" is a shell company that is really "Just Fly", who I eventually contacted. I tried various times to contact them, spent hour on hold, but finally got through on Jan 3, 2023. The agent was kind of rude at times and couldn't fully explain the charge on my credit card. The end result is they refused to refund us. Good thing I didn't buy any of the other issurance products they offered. I are looking for issurance on your trip,I would recommend finding someone else to meet your insurance needs.

Date of experience : January 03, 2023

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Is CSA Travel Insurance Worth It? Uncovering the Power of Protection

CSA Travel Insurance is worth it for travelers seeking comprehensive coverage and peace of mind while on their trips. With its range of plans, including options for trip cancellation, interruption, and medical expenses, CSA Travel Insurance offers valuable protection against unforeseen circumstances.

Whether you’re traveling domestically or internationally, investing in CSA Travel Insurance can provide financial security and assistance in case of emergencies, making it a worthwhile choice for travelers. The extensive coverage options, competitive pricing, and positive customer reviews further reinforce the value of CSA Travel Insurance.

Making the decision to purchase this insurance can save you from potentially costly expenses and provide reassurance during your travels.

Understanding The Role Of Csa Travel Insurance

CSA Travel Insurance provides valuable benefits and coverage options for travelers. Each plan offers different types of protection, ensuring that you can find the right fit for your needs. From trip cancellation and interruption coverage to emergency medical expenses, CSA Travel Insurance offers comprehensive protection.

It is essential to understand the rates and premiums associated with these plans, as they can vary depending on factors such as trip cost and duration. By exploring the different types of CSA Travel Insurance and their coverage options, you can make an informed decision about whether it is worth it for your next trip.

Remember to consider your unique travel circumstances and evaluate the benefits provided by CSA Travel Insurance to ensure peace of mind during your travels.

Evaluating The Value: Is Csa Travel Insurance Worth It?

CSA Travel Insurance offers a variety of benefits and coverage options. When deciding whether to purchase it, it is crucial to assess the risks and potential costs of traveling without insurance. By comparing CSA Travel Insurance to other providers in the market, you can determine if it offers the best value for your specific needs and preferences.

Consider factors such as coverage for medical emergencies, trip cancellation, and lost baggage. Additionally, evaluate the customer service and claims process provided by CSA Travel Insurance. By thoroughly evaluating these factors, you can make an informed decision about whether CSA Travel Insurance is worth it for your upcoming trip.

Remember to consider your individual circumstances and travel plans to ensure you choose the right insurance option.

Uncovering The Power Of Protection: Csa Travel Insurance In Action

CSA Travel Insurance has proven to be an invaluable choice for travelers seeking protection. Real-life stories and testimonials demonstrate the power of CSA Travel Insurance in action. These narratives highlight instances where the insurance played a crucial role in unforeseen incidents.

By showcasing specific case studies, travelers can gain a better understanding of how CSA Travel Insurance has provided essential support. Moreover, learning about the claims process further emphasizes the benefits of this insurance. CSA Travel Insurance stands out as a trusted safeguard for travelers, offering peace of mind and financial security in case of any unforeseen events.

With CSA Travel Insurance, you no longer have to worry about the unexpected ruining your travel plans.

Credit: issuu.com

Planning For Your Peace Of Mind: Tips For Maximizing Your Travel Insurance

Travel insurance can provide peace of mind when planning your trip. Choosing the right CSA Travel Insurance plan is crucial. Understanding the terms and conditions is essential to avoid any surprises. Additionally, there are tips to ensure a hassle-free experience.

By following these guidelines, you can maximize the benefits of your travel insurance. It’s important to carefully review the coverage options and assess your needs. This will help you determine if CSA Travel Insurance is worth it for your specific situation.

Remember, it’s always better to be prepared and protected when it comes to travel.

Frequently Asked Questions On Is Csa Travel Insurance Worth It

Is csa travel insurance worth it.

CSA Travel Insurance is worth it for travelers who want peace of mind and protection while traveling. It offers coverage for trip cancellation, baggage loss, medical emergencies, and more. The cost of the insurance is a small price to pay compared to the potential financial burden of unexpected events during your trip.

What Does Csa Travel Insurance Cover?

CSA Travel Insurance covers a range of travel-related risks, including trip cancellation, trip interruption, baggage loss, medical emergencies, and emergency evacuation. It also provides 24/7 assistance services to help travelers in case of any unforeseen events during their trip. The coverage details may vary depending on the specific insurance plan you choose.

How Much Does Csa Travel Insurance Cost?

The cost of CSA Travel Insurance depends on various factors, such as the duration of your trip, the coverage limits you select, your age, and the destination you are traveling to. On average, travel insurance can cost around 4-10% of the total trip cost.

It’s recommended to get a quote from CSA or compare prices from different insurance providers to find the best coverage at a reasonable price.

Can I Cancel My Csa Travel Insurance?

Yes, you can cancel your CSA Travel Insurance, but the refund policy may vary depending on the terms and conditions of your specific insurance plan. It’s important to review the cancellation policy before purchasing the insurance and contact CSA directly for any cancellation requests or inquiries.

They will provide you with the necessary information and guide you through the cancellation process.

After carefully evaluating all the factors, it is evident that CSA Travel Insurance can be a valuable investment for travelers. While it may involve an additional cost, the peace of mind it offers is worth the expense. The coverage provided by CSA Travel Insurance, including trip cancellation, baggage delays, and emergency medical expenses, can save travelers from significant financial burdens and stress.

Additionally, CSA Travel Insurance offers excellent customer service, ensuring that travelers have access to assistance whenever they need it. The flexibility of their plans allows travelers to choose the coverage that suits their specific needs, providing personalized protection. Overall, CSA Travel Insurance is a reliable option that can provide travelers with the assurance and support they need during their journeys, making it a worthwhile investment.

Whether it’s for a weekend getaway or an extended international trip, having CSA Travel Insurance can offer peace of mind and a sense of security while exploring the world.

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About Generali Global Assistance

Generali Global Assistance, formerly known as CSA Travel Protection , pioneered the vacation rental travel insurance business in 1992 and we’ve been the industry leader for decades. We pride ourselves on providing the support that is crucial for happy and safe travel.

We specialize in travel insurance and assistance services designed to help protect your vacation rental trip and travelers. Our goal is to make travel protection plans easy to buy and simple to understand, and we promise to always be there to help get our travelers from distress to relief, anytime, anywhere.

Why should you choose Generali travel insurance?

Top-notch customer service and assistance.

Insurance plans are pieces of paper, but it’s what’s behind them that matters.  When things get real  and you need help while traveling or need to file a claim, our focus on service makes us stand out from other companies. One of the most important parts of our travel protection plans is the access you get to our network of employees and partners available 24/7 to provide the best possible  travel and emergency assistance services  no matter where you are worldwide.

Coronavirus Illness Coverage

If someone in your travel party falls ill from COVID-19 before or during your trip, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation help, in addition to our 24/7 Emergency Assistance services. 

No Hassle Travel Insurance Refund

Buy with confidence, knowing you have at least 10 days from the time of purchase to review your travel insurance and cancel the plan for a full refund of the plan cost if it doesn't meet your needs (as long as you have not left on your trip or filed a claim). 

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Don’t worry, be happy on vacation. With Generali on your side, you can get  Damage Protection , which covers you for unintentional damage to the vacation home during your stay. 

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CSA - A Trusted and Respected Innovative Company

CSA Travel Protection proudly delivers quality travel insurance and emergency services to our business partners and customers. Founded in 1991 and based in San Diego, California, CSA combines customer-driven innovation and risk management to create strategic solutions for our customers and business partners. Benefits and pricing are built on common-sense needs from customers, travel professionals, and underwriter .

CSAis owned by Generali Global Assistance (GGA), formerly Europ Assistance in the U.S., based in Bethesda and a leader in the assistance industry since its founding in 1963. GGA is a division of the multinational Generali Group which in over 200 years has built a presence in more than 60 countries with 470 companies and nearly 80,000 employees.

Exceeding Expectations is Our Mission

CSA is dedicated to providing customized travel insurance, related products, and comprehensive administrator services to exceed the expectations of our business partners and the traveling public, through quality customer service, innovative systems, and analytical expertise. With over 20 years of experience, CSA has developed a reputation for standing behind its customers and offering products and services to meet their needs.

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Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures .

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Best Travel Insurance: AIG Travel Guard vs Allianz vs Travelex vs World Nomads vs AXA & More

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You’ve been saving money for years to take that once-in-a-lifetime, dream vacation; you’re all booked and can’t wait for your big trip. It’s going to be a perfect escape — a week in a tropical paradise, Paris, or Peru. But what if reality rears its unfortunate head? Stuff happens when you least expect it, and you’re not immune just because you’re traveling.

Whether you have to cancel your trip, have a medical emergency, or disaster strikes while you’re on vacation, travel insurance can help save you from an utter financial loss — or an even larger financial burden. Our travel insurance reviews will help you determine which providers are right for you.

Table of Contents

Is COVID-19 Coverage Still Necessary?

As of February 2023, mandatory Covid travel insurance for most countries has now been waived. However, it is advisable to choose an insurance policy that includes Covid-related medical expenses, trip cancellation, delay, or disruption so you are covered in case Covid strikes you or your travel companions before or during your trip.

The Center for Disease Control and Prevention still advises you not to travel if you have symptoms, so securing your travel insurance as soon as you book your trip would cover you if you contract the virus before traveling. Most policies now treat COVID like any other sickness, and trip cancelation and/or medical expenses related to COVID are therefore covered in the same way other illnesses are.

Be sure to read any policy’s fine print before purchasing travel insurance. Every policy is different, and certain exclusions may apply, so it’s important to know exactly what’s covered.

5 Things To Look Out For

• Check if the plan explicitly covers medical expenses for COVID-19. Some policies state it as a ‘known event,’ and therefore, your claim might be rejected.
• Look for trip cancellation coverage due to COVID-19 in case you contract the virus before traveling and need to cancel/postpone.
• Go for a policy with a 24-hour hotline where possible. This will give you peace of mind when traveling in different time zones and need urgent advice on what you are or are not covered for.
• Do not get caught out by your destination’s government restrictions. It is advisable to check your Covid cover if traveling to China or Singapore, for example.
• Finally, check, check, and check again, as Covid is still prevalent in most countries. You do not want to be hit with hefty medical expenses that might not be covered.

Best COVID-19 Policies

Get A Quote Now From SquareMouth

• April International Pandemic Plus Plan
• AXA Assistance USA Platinum Plan
• HTH Worldwide TripProtector Preferred Plan
• Trawick International Safe Travel Voyagers Plan

Which Travel Insurance Is Best?

We’ve chosen our travel insurance winners based on 6 factors:

• Company reputation
• Coverage payouts
• Variety of plans available
• Ease of claims process
• Customer service
• Policy pricing

A few things you need to know about pricing: policy pricing depends upon the age of travelers; many policies discount rates for kids; travelers over 65 should expect to pay more. And be aware: not all providers and policies are available in every state.

Travel insurance can be confusing even if you read the fine print (which you should always do). Therefore, we’ve included a terminology section below to help you understand the details of some benefits and what you need to keep in mind. This section can help you if you don’t understand some of the features we cover in our reviews.

We broke up our top picks into several categories to help you choose the policy that best meets your needs. Here are our winners in the following categories:

• Overall Coverage
• Trip Cancellation & Interruption
• Emergency Medical
• Travel With Kids
• Lost Luggage & Missed Connections
• Adventure Seekers

Best Overall: Generali Global Assistance Review (Formally CSA Travel Protection)

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Generali Global Assistance (formerly CSA Travel Protection) wins our top nod for the best overall travel insurance for its very high payout rates for nearly everything it covers (and they cover a lot). They also offer some perks many other companies don’t — ID theft resolution services, lost or stolen prescription coverage, and up to $1,000 emergency medical coverage without having to file a claim (although you must visit one of their network’s healthcare providers to qualify).

This California-based company has been in business for 25+ years and has built a great reputation for itself. They only offer three package plans; however, they recently added the ability to file claims online.

Best For Trip Cancellation: TravelSafe Review

TravelSafe provides some of the best trip cancellation and cancel for any reason (CFAR) coverage in the industry — at extremely competitive pricing. TravelSafe offers two comprehensive plans, and their policy pricing is a good value for overall coverage, and they offer fantastic customer support.

They also offer excellent missed connection coverage and high payouts for lost or delayed luggage. You can also file and check your claim status through their website. Travel Safe has been in business since 1971 and has a solid reputation for continued customer satisfaction.

Personal Experience

Personally, whenever I travel, I always purchase TravelSafe cancel for any reason coverage. In March 2019, I had to cancel a trip due to a reason that’s normally not covered by travel insurance. Cancel for any reason helped me recoup 75% of the cost. I also found the claims process to be straightforward and hassle-free. – Neil G.

Read Our In-Depth TravelSafe Review

Best For Emergency Medical Coverage: Seven Corners Review

In business since 1993, Seven Corners is a well-established insurance provider and offers a wide variety of travel insurance plans. You can choose from three comprehensive travel insurance plans that include coverage similar to what other companies offer at competitive prices.

What’s great about Seven Corners is its high medical emergency and repatriation cover should you need it. The testimonials make it clear that travelers have not had to worry about medical bills when needing medical attention abroad. In addition, pre-existing medical conditions are covered when choosing the highest plan. They also have an annual plan for frequent travelers, two student policies, and plans for non-U.S. residents . Seven Corners’ plans have affordable prices, and consumers find them reputable and easy to work with.

Best For Travel With Kids: AIG Travel Guard Review

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In business for more than 20 years, AIG Travel Guard is the largest global travel insurance provider, serving more than six million travelers each year. Travel Guard offers three popular comprehensive plans to fit almost any budget. Its Gold and Silver comprehensive plans even insure kids for free (one child per paying adult).

Travel Guard’s highest comprehensive plan is among the most expensive we’ve reviewed once you tack on all the add-ons, but, hey, if you’re traveling with kids, we feel it’s well worth it. They give you the option of purchasing the cancel for any reason add-on to cover either 50% or 75% (the 50% option is much cheaper).

Best For Lost Luggage & Missed Connections: AXA Assistance USA Review

AXA is a global insurance company that’s been in business for more than 50 years. Travel insurance is a branch of their overall insurance offerings. AXA Assistance USA offers reliable travel insurance for domestic and international travel, and they offer three policy levels plus some add-ons.

Overall, their policy prices are extremely competitive, and they offer some sizeable payouts compared to the bigger travel insurance names. What’s more, AXA’s cancel for any reason add-on pricing is far lower than most. Add that on top of an extremely affordable base Platinum Plan, and you’ve got a super deal.

With AXA you get a major global presence and some nice features, including ID theft resolution, concierge, and translation services. At their highest plan, they also cover missed golf and skiing trips, lost sports equipment, and pet boarding fees if you face a delay.

Best For Adventure Seekers: World Nomads Review

World Nomads’ policy pricing is far below average but lacks a lot of coverage that other travel insurance providers offer. Where World Nomads shines is for adventure seekers. Their medical expenses coverage provides for accidents while taking part in more than 100 different sports and physical activities . Most companies don’t offer this or charge an added fee. They also include rental car damage coverage in their policy.

Most of World Nomads’ payouts are far below their competitors, and they don’t offer cancel for any reason coverage, or pre-existing medical conditions. If you’re a healthy risk-taker, World Nomads could be just the ticket for your adventure.

Side-By-Side Comparison

The following coverage amounts are for each company’s highest plan. All of the companies reviewed have 24/7 emergency hotlines.

What Are My Other Options?

Below, you’ll find an alphabetical listing of other travel insurance companies we’ve reviewed.

Allianz Travel Assistance | Travel Insured International  | USI Affinity

Allianz Travel Review

Virginia-based Allianz Travel (previously Allianz Global Assistance) is a big player in the travel insurance industry, with 35 million customers. Allianz offers various plans for domestic and international travel, so you have some choices about how much coverage you want. Most of their payouts, however, are less than what you’ll find elsewhere.

A huge perk with Allianz’s higher-level plans is that kids 17 and under are covered for free when traveling with parents or grandparents. Allianz also offers an option of annual travel insurance coverage for people who frequently travel during the year. The policy pricing is lower than their one-trip plans, but the payouts per trip are also much lower.

Travel Insured International Review

Travel Insured International (TII) is another well-established company, in business for more than 20 years. Their policy pricing is competitive, and overall their payouts are about average compared to the top travel insurance providers. TII is the only provider we reviewed that includes both cancel for any reason and trip interruption for any reason in their highest policy.

USI Affinity: Travel Insurance Services Review

USI Affinity has an excellent reputation and loyal customer base, with more than 40 years of providing reliable travel insurance under its belt. They offer fairly competitive payouts for most benefits and are one of a few companies that include rental car damage in their plan pricing. They’re also one of few providers we’ve seen that offer an add-on for trip interruption for any reason .

Where USI Affinity falls short compared to companies that provide comparable payouts is higher than average pricing (especially for their two higher plans) and nearly double the trip delay time required before you can make a claim. Still, depending on your needs, USI Affinity may be worth your consideration.

Read Our In-Depth USI Affinity Review

Beyond The Boundaries Of Travel Insurance

Are you a student traveler, or do you travel to potentially life-threatening destinations? If so, the following sites may be of interest to you for coverage you won’t find with traditional travel insurance providers.

Global Rescue

If you’re traveling to a high-risk area of the world, you may want to join Global Rescue , the world’s leading membership organization providing emergency services to individuals, families, enterprises, and governments. Membership gives you access to travel assistance and insurance, medical evacuation and advisory services, field rescue, security advisory, extraction services, and more.

Is Travel Insurance Worth It?

Severe weather, medical problems, mechanical problems with transportation — these events affect travelers more than you might think. In a survey, the US Travel Insurance Association found that 1 in 6 Americans said their travel plans were impacted by such incidents leading to trip cancellations, interruptions, or major delays.

On average, travel insurance will only cost you 6% of your total travel costs , but it may not be worth it in some cases. In general, if you’re traveling domestically and you’ve gotten excellent deals on a flight and hotel stay, it’s probably not worth it to invest in travel insurance — especially if your vacation isn’t too long or too far from home. Otherwise, here are four factors you should consider, especially if you are traveling internationally.

• What does your credit card cover? Many credit cards offer some type of travel insurance, but a vast majority don’t cover trip cancellation for non-refundable costs. Overall, the coverage they offer doesn’t even come close to what you get by purchasing travel insurance.
• What if you have to cancel? If you’ve spent thousands of dollars on non-refundable plane tickets, hotel rooms, tours, etc., you could suffer a significant financial loss if you have to cancel. Finding the best vacation insurance could help mitigate that loss.
• What if you have an accident or get seriously ill? Travel insurance is worth it if you’re not covered by your healthcare insurance for emergencies when traveling abroad. Many U.S. health insurance policies don’t cover you when you’re out of the country. Further, you may not have access to advanced medical care in the local region (due to lack of it or lack of access for non-residents) without travel insurance.
• What if you require evacuation? The highest cost you are subject to incur while traveling is for emergency medical care or evacuation. The average price for emergency medical evacuation is a whopping $26,000 ($200,000+ in Alaska). If your health is in trouble, you want to make sure this cost is covered, and your evacuation happens quickly (without claims process).

Is Travel Insurance A Replacement For Existing Insurance?

First, travel “insurance” can be a misleading term, particularly regarding the emergency medical aspect. A more apt term is travel protection. The medical benefit arm of comprehensive travel protection isn’t really medical insurance per se, and it doesn’t cover you as your health insurance policy does. See our terminology section to learn more.

When To Say Yes Or No To Travel Insurance

Check out this helpful video by CNBC  that goes into greater detail about whether you should get travel insurance or not.

Travel Insurance Terminology

• Trip Cancellation
• Trip Cancellation For Any Reason
• Trip Interruption
• Primary vs Secondary Emergency Medical
• Pre-Existing Medical Conditions

1. Trip Cancellation

Travel insurance policies vary based on the reasons for approved trip cancellation coverage, so you need to read the fine print of your policy to see when you’re covered and when you’re not.

The most common covered reasons for trip cancellation include:

• The unanticipated illness or injury of you (or a fellow traveler) that renders you unable to travel (with a licensed physician’s approval)
• The unforeseen death or hospitalization of an immediate family member
• Unexpected natural disasters at home or your destination
• Jury duty or other legal obligation
• A common carrier’s mechanical failure or worker strike

To be approved for trip cancellation benefits, the circumstances must be the direct cause of you not being able to make your destination, or you must experience unreasonable delays. You’ll need to provide documentation for your claim approval.

2. Trip Cancellation For Any Reason (CFAR)

Trip cancellation for any reason is a different ball game, and that’s why it typically hikes up your premium so much. This optional benefit truly covers you if you have to cancel your trip, no matter the reason. Unlike basic trip cancellation coverage, however, you have to meet a few requirements to get reimbursed. You MUST:

• Purchase CFAR coverage within a set time period after you make your initial trip deposit (usually 10-21 days)
• Insure 100% of your pre-paid, non-refundable trip cost
• Cancel with your travel supplier 48 or 72 hours before departure date, depending on the plan

3. Trip Interruption

Trip interruption coverage is similar to trip cancellation in that travel insurance companies vary in the circumstances they cover. Policies also differ with the timing of your trip interruption.

Some require you to be less than halfway through your trip to approve coverage, while others cover you for additional time during your trip. Again, it’s crucial to read the fine print of your policy.

4. Primary vs Secondary Emergency Medical Coverage

It’s important to note that travel insurance offers emergency medical benefits coverage rather than general health insurance coverage. To receive medical-related travel benefits, you’re typically required to need immediate medical attention — anything from a serious ankle injury to hospitalization.

What Is Primary Coverage?

A travel insurance plan with primary emergency medical means the travel insurance company is the first payer or reimburser of those benefits. After paying your claim, the travel insurance provider may contact your health insurance company for reimbursement.

What Is Secondary Coverage?

Secondary emergency medical coverage means that you’re first required to file a claim with your health insurance company. Then, if denied, you file a claim with the travel insurance company, which will reimburse you up to its stated limits.

The major benefit of primary over secondary is that you don’t have to deal with both your health insurance company and travel insurance companies. The travel insurance company handles your claim all on its own.

A few companies offer primary with all of their plans, but most only include it with their higher-priced plans. If this feature is important to you, make sure you read the policy to see which type of coverage each plan offers to meet your needs best.

5. Pre-Existing Medical Conditions

This coverage is one of the most confusing aspects of travel protection. Travel insurance plans automatically exclude coverage for pre-existing medical conditions. However, in many cases, you can qualify for an exclusion waiver, which protects both your trip cancellation and emergency medical benefits.

What Is A Pre-Existing Medical Condition?

A pre-existing condition is any disease, illness, injury, or other medical condition that occurs before the travel plan’s effective date — and for which you sought a diagnosis, treatment, new prescription medications, or a change in a current prescription.

What Is A Pre-Existing Medical Waiver?

The waiver essentially removes the exclusion of pre-existing conditions from your travel plan (as we stated earlier, all travel insurance plans automatically exclude pre-existing conditions).

In most cases, you MUST purchase your plan within a specified time frame (usually 10-21 days) after making your initial trip deposit to qualify for the waiver. Some plans also require you to meet other eligibility requirements.

Some plans, particularly basic, lower-priced plans, don’t include the waiver. Make sure the policy you purchase does indeed have the pre-existing condition waiver if this coverage is important to you or fellow travelers.

Are Non-Travelers Included?

Yes, in most cases. Non-travelers can include immediate family members or a business partner (whose illness would require you to work). Most plans don’t apply to cousins, uncles, nieces, etc.

What Is A Look Back Period?

The travel insurance company has the right to “look back” at the medical records of the traveler or non-traveler to whom the claim is made. The period of time for this review of medical records varies by company and by plan (typically 60-180 days back).

Any medical condition that existed during the look-back period is considered pre-existing if you received treatment or a change in your prescription medications. The condition is not deemed pre-existing if you’ve been stable within the look-back period. “Stable” means that the condition has not changed or worsened.

What If You’re Planning An Extended Stay Abroad?

If your “travel” plans involve living abroad for more than a year, traditional trip insurance and your U.S. health insurance carrier likely won’t cover you for medical needs. That’s when you need to consider purchasing expatriate health insurance . Check out our reviews of the best expat health insurance policies to learn more details and see our top picks.

Do you think you’ll purchase travel insurance for your next trip? Let us know in the comments below.

Melissa Osborne

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Zero Complaint Guarantee

Although this provider does not have any Squaremouth customer reviews yet, every provider on Squaremouth.com complies with our Zero Complaint Guarantee. This is our promise to our customers that any policy purchased through our website is backed by a trustworthy provider that will handle all claims fairly.

If you have a claim and are unhappy with how your provider is handling it, our licensed claims team will investigate your case and mediate with the provider on your behalf. If the complaint is not resolved to our satisfaction, the provider will be removed from our website.

Insurance Providers

• Arch RoamRight
• AXA Assistance USA
• Azimuth Risk Solutions, LLC
• Berkshire Hathaway Travel Protection
• Detour Insurance
• Generali Global Assistance
• Global Alert
• Global Guardian Air Ambulance
• Global Underwriters
• HTH Travel Insurance
• INF Visitor Care
• John Hancock Insurance Agency, Inc.
• MedjetAssist
• Nationwide Mutual Insurance Company
• Seven Corners
• Travel Insured International
• Travelex Insurance Services
• Trawick International
• USA-Assist Worldwide Protection
• USI Affinity Travel Insurance Services

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Our Review of the Top 10 Travel Insurance Providers for Any Destination

Reviews of the Top 10 Best Travel Insurance Companies

Quality Verified

Updated: October 27, 2022

• Top 10 Travel Insurance Providers

Our Methodology

Before you buy.

Advertising & Editorial Disclosure

Whether you're planning your honeymoon, a family trip to Hawaii or a business trip to meet new clients, travel insurance can provide protection when your plans go astray. There are generally three main types of travel insurance: travel cancellation and disruption; medical assistance and evacuation; and baggage loss and delay. We researched dozens of travel insurance companies to pick the best in the industry. The right plan for you may depend on the nature of your travels, who is traveling and your budget. But whatever your needs, these 10 picks are financially stable, reliable companies with a good track record and comprehensive coverage.

Our Top 10 Travel Insurance Providers

Best : Overall, and for families with kids Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by Old Republic Insurance Company and Transamerica Casualty Insurance company, which has a financial rating of A+ from A.M. Best, and TransAmerica Casualty Insurance Company, which has A.M. Best ratings of A. The company has won the international luxury travel network Virtuoso's Best Travel Insurance Provider award for eleven years in a row. It is accredited by the Better Business Bureau, which gives it an A+ rating.

Coverage: Travelex offers two main coverage plans - basic and select (family-friendly) - and two flight insurance opt-ins. They offer protection for both leisure and business travelers. Like many companies here, they cover younger children (17 and under) at no additional cost. The company boasts a high claims paid rate (previously reported at 94 percent).

Website/mobile apps: The Travelex mobile website allows you to shop and purchase policies, get emergency assistance, and access trip-related documents from your phone. You can initiate a claim and check the status of your claim online.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Basic $377, Select $333, Max $895

Best for : Frequent travelers Allianz Travel Insurance is part of the giant multinational corporation Allianz, which has over 140,000 employees on five continents. Allianz insures over 80 million customers worldwide. The company has been around for over 100 years. In fact, Allianz insured the Wright Brothers' first flight in 1903. Today Allianz is accredited with the Better Business Bureau, which gives them an A+ rating. Its financial rating from A.M. Best is A+.

Coverage: Allianz offers a handful of distinct plans including those for frequent travelers. If you travel for business, for example, it might be worth investing in an annual plan that covers both medical and lost baggage expenses for all your trips throughout the year.

Website/mobile apps: Back in 2013 Allianz won an award for its TravelSmart mobile app, which connects travelers to approved hospitals in over 120 countries. The app also allows travelers to check on flight statuses, get emergency international assistance, and access their policy while on the road.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $304.

Best for : Luxury Travel TravelGuard is a subsidiary of AIG. Its policies are underwritten by National Union Fire Insurance Company of Pittsburgh, which has an A.M. Best financial rating of A. The company is accredited with the Better Business Bureau and has a rating of A+.

Coverage: TravelGuard includes trip assistance - including dealing with lost bags, cancelled flights, or medical emergencies - via agents who are available 24 hours a day. They offer three basic plan levels - Deluxe, Preferred, Essential - as well as numerous additional upgrades and packages. Upgrades can cover things like last-minute trips where cancellation isn't a factor. TravelGuard stands out in its overage levels - it will insure a trip coverage up to $500,000, higher than the average industry coverage. All of its plans include concierge service and 24-hour emergency assistance.

Website/mobile apps: TravelGuard has an online Claims tool that allows clients to easily file a claim from a computer or mobile device. The tool speeds up the claims process while allowing users to upload photos and documents, electronically sign claims forms, and check the status of a claim from their phones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Silver $252/Gold $309 / Platinum $655

Best for : Traveling with pets San Diego-based Generali Global Assistance has provided travel insurance since 1991. The insurance division has previously been known as CSA Travel Protection. Generali Global is accredited by the Better Business Bureau and has an A+ rating and an A financial rating from A.M. Best.

Coverage: CSA offers three plans: Standard, Preferred and Premium. It covers telemedicine services with its plans and medical costs if a person becomes sick or injured during their trip. It also reimburses medical costs if you pay out of pocket. As with most travel insurance companies, CSA offers 24/7 emergency assistance, concierge services, identity theft resolution services and a 10-day "free look" period. If you change your mind within 30 days of purchasing the insurance and before you start your trip, the company will provide a full refund. It offers pet relocation services: If you have a medical emergency and cannot take care of your pet while on vacation, it will return your pet home. It also has a Pet Service Locator to help you find vets or other pet services on your travels. For pre-existing medical conditions, you would need to purchase the Premium plan before or at least 24 hours in advance of your final trip payment. You will also need to be medically able to travel, and your prepaid expenses are insured.

Website/mobile apps: They walk you through the claim-filing process step-by-step on their website .

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $298.52 Standard / $346.28 Preferred / $398 Premium

Best for : Budget Adventure Travel World Nomads has targeted its insurance at independent travellers and adventure-seekers. If your vacation includes activities like kite sailing, snowboarding, or bungee jumping, this might be the company for you. The company is recommended by Lonely Planet and National Geographic Adventure... But you don't have to be an adventure seeker to benefit from the very competitive rates offered by World Nomads. The company's policies are underwritten by Lloyd's, which has an A financial rating from A.M. Best.

Coverage: World Nomad offers two levels of insurance plans, which include all of the typical coverage options. In addition, it offers coverage for cameras, laptops, digital gear, and all sorts of travel activities.

Website: World Nomads has an interactive website that allows you to ask questions related to travel and receive both informative articles and blog posts from fellow travelers. It has also developed language apps for iPhones. And you can purchase policies and file claims online from anywhere in the world.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $185 to $255. World Nomad doesn't ask the cost of your trip for the online quote, or the number of travelers, but does distinguish between single, couple, and family groups. The quote tool offers an option to donate to a cause in your destination as well.

Best for : Workaholics In addition to providing travel insurance, AXA offers trip other assistance through its network of over 9,000 staff members in over 30 offices around the world. The company has a financial rating of A from A.M. Best. American Modern Home Insurance - which has an A+ financial rating from A.M. Best - underwrites AXA travel policies. AXA Assistance has an A+ rating from the Better Business Bureau.

Coverage: AXA offers three plans (gold, silver, platinum). It offers an additional "cancel for any reason" policy, which will cover up to 75 percent of your pre-paid non-refundable trip costs. This option must be purchased within 14 days of your first trip payment, but it's a good option for people whose jobs are unpredictable.

Website/mobile app: The website provides a clear chart outlining the three levels of service and their coverage, and it is fast and easy to get an online quote.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $342 Silver / $395 Platinum / $492 Gold

Best for : Study abroad/Expats HTH Travel Insurance is a leader in providing medical coverage for international students and expatriates. The company's policies are underwritten by Nationwide, which has an A+ financial rating from A.M. Best. HTH is not rated by the Better Business Bureau, but it is a member of the U.S. Travel Insurance Association (USTIA) and has signed on to its Code of Ethics.

Coverage: In addition to providing traditional comprehensive trip insurance, HTH specializes in providing medical coverage for students, faculty, and expats living abroad. The long-term overseas coverage only covers medical issues, not trip cancellation or lost baggage. The plan will pay up to $1,000,000 for a medical evacuation and contains no lifetime limit.

Website/mobile apps: The website offers a lot of information about overseas travel and living and provides straightforward quotes. The mPassport app gives you access to thousands of doctors around the world who speak English.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $389, Classic $456, Preferred $546.

Best for : Mobile app aficionados Warren Buffet's Berkshire Hathaway is not known for travel insurance, but it is rapidly gaining recognition in the market for its technological advances in the field. It launched its travel protection program in 2014 and has been winning over customers with its fast claims payments. Berkshire Hathaway has an A.M. Best financial rating of A++. It is accredited with the Better Business Bureau and has an A+ rating.

Coverage: BHTP offers six distinct plans tailored to meet your specific travel needs. Options are available for adrenaline junkies, low-budget fliers, family vacationers, business travelers, and even those looking to relax on a cruise.

Website/mobile apps: Berkshire Hathaway is a leader in providing mobile apps to facilitate rapid claims and payments. You can file a claim online or via the mobile app, which also allows you to track flights, get help finding lost luggage, rebook flights and purchase policies. Getting an online quote is also possible, but the process isn't quite as smooth.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: ExactCare Family: $249; ExactCare: $346.

Best for : International volunteers or employees The Indiana-based Seven Corners began offering international medical insurance in 1993. Today Seven Corners offers a wide range of travel insurance to U.S. residents and foreigners visiting the U.S. It also offers group plans to companies, non-profits and U.S. government agencies seeking to protect their staff and volunteers when traveling. It is the travel insurance provider for the Peace Corps and other U.S. government agencies. Different plans are underwritten by different companies. The popular RoundTrip comprehensive plans are underwritten by Nationwide, with an A+ financial rating from A.M. Best. Other plans are underwritten by Lloyds of London or U.S. Fire Insurance Company, both of which have A ratings from A.M. Best.

Plans: Seven Corners offers a wide range of plans for almost every conceivable coverage option. Its RoundTrip plans provide comprehensive trip coverage (including trip cancellation, medical treatment, and lost property). The RoundTrip Elite plan allows you to cancel for any reason (with 75% reimbursement) and covers pre-existing conditions as long as you purchase the plan within 20 days of your trip deposit and fully insure your trip.

Website/mobile app: In 2016, Seven Corners launched a new mobile website that allows consumers to purchase plans, get 24-assistance and learn about travel insurance from their smartphones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $416, Choice $441, Elite $462.

Best for : Hassle-free claims Founded in 1988 in France, April International now operates in 33 countries. April has an A+ financial rating from A.M. Best. Its U.S. travel insurance policies are underwritten by American Modern Home Insurance, which also has an A.M. Best rating of A+. The company is accredited with the Better Business Bureau and has an A+ rating, and it's a member of the U.S. Travel Insurance Association.

Coverage: April provides traditional comprehensive travel insurance, but it also offers an annual plan designed for people who travel at least three times per year. For fairly low prices, you can get basic coverage for trip interruption or delay, medical expenses, and baggage delay or loss. These are plans designed for frequent travelers who don't want to sweat the many small complications that can add up to big expenses. April prides itself on its Stress Less Benefits, which often allows policyholders to avoid a claims process and instead just call in their issue while traveling. If a claims report is needed, the company seeks to get it paid within 30 days.

Website/mobile apps: April has an easy to use website (though some reimbursements require the old-fashioned way) as well as a fully functional "Easy Claim" app.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $482.

We reviewed dozens of travel insurance providers to come up with this list of top companies. Our criteria for inclusion included:

Experts recommend you do your homework before buying a travel insurance policy. The industry is known for excessive exclusions and confusing language in small print. The National Consumer League recommends that you:

Check to see if you're already covered through another policy. Lots of insurance policies (including home, auto, and life) and credit cards offer partial coverage for trip interruption or medical emergencies.

Read the fine print - especially regarding exclusions. Things like pre-existing conditions, pregnancy-related issues, job loss or travel in a country that has reported a high threat of terrorism may be excluded.

Remember that you can get your money back. Lots of travel insurance companies allow you to get your money back if you cancel the plan within ten days (before travel).

Don't purchase travel insurance through airlines. Airlines aggressively push these cancellation insurance plans and pay commissions of 10 to 40 percent to the travel agents who sell them.

Consumer Reports recommends that you use an online travel insurance broker to search for a good match for your travel. Sites like Squaremouth , InsureMyTrip.com , or QuoteWright.com all allow you to shop and compare quotes. Even if you use such a service, however, Consumer Reports recommends contacting the carrier directly to go over the coverage and fine print before purchasing a policy.

U.S. Travel Insurance Association (USTIA) This professional association represents travel insurance companies and promotes ethical and professional industry standards. You can search its database for member organizations.

National Association of Insurance Commissioners (NAIC) Provides information and advice for consumers regarding when and how to purchase travel insurance.

Insurance Information Institute (III) The III is dedicated to promoting a public understanding of insurance. It has a page providing travel insurance facts.

Your state Insurance Commissioner All insurance is regulated at the state level. NAIC provides an interactive map so that you can click on your state and be directed to your state's Insurance Commissioner.

Better Business Bureau (BBB) The BBB allows you to search its vast online database to check on the reputation and any complaints that have been filed against a company.

About Mary Purcell, MA

Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master's degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.

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