best travel insurance for multiple countries

• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for family coverage
• Best for long trips

How we reviewed international travel insurance companies

Best international travel insurance for april 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

• Main content

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Best travel insurance companies of April 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 8:41 a.m. UTC April 12, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Preferred and Atlas Journey Premier plans get 5 stars in our rating because of the extensive coverage they provide for the price. Both plans come with high limits for important benefits such as emergency medical and evacuation, travel delay and missed connections. WorldTrips travel insurance also offers a pre-existing medical condition exclusion waiver if you buy a plan within 21 days of making your first trip deposit.

Best travel insurance of 2024

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel, WorldTrips has two top-rated travel insurance plans in our rating:

• Atlas Journey Preferred provides $100,000 per person in emergency medical benefits as secondary coverage, with the option to upgrade to primary coverage. Primary coverage means you don’t have to first file a medical claim with your health insurance company. Atlas Journey Preferred is also the best travel insurance for cruises with $1 million in coverage for emergency evacuation.
• Atlas Journey Premier costs more but gives you $150,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier has $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan includes travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 411 reviews of policies purchased through the travel insurance comparison site since 2008.

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Best travel insurance for missed connections

If you’re looking for good travel insurance for missed connections , it’s worth considering TravelSafe. Its Classic plan includes $2,500 in missed connection coverage for each person on the plan. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Best trip insurance for traveling with a pet

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. It’s also the best trip insurance for pet parents , with an optional Pet Bundle add-on that includes pet medical, pet kennel and pet return benefits.

• Cheapest of our best trip insurance plans.
• Optional pet bundle adds pet medical expense and pet return benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best travel insurance for cruise itinerary changes

Nationwide’s Cruise Choice plan is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Cruise Choice also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “Cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Via TravelInsurance.com’s website

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.  
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance searches from Jan. 1 to April 1, 2024, here are the main benefits travelers are looking for. 

Source: Squaremouth.com

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Preferred and Atlas Journey Premier — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.  

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.  
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• ‘Just a parade of incompetency’: Spirit Airlines passengers with ‘nightmare’ stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

AXA Assistance USA travel insurance review 2024

Travel Insurance Jennifer Simonson

Cheapest travel insurance of April 2024

Travel Insurance Mandy Sleight

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travelex travel insurance review 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

You might also be interested in:

9 Best Travel Insurance Companies of April 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

The Best Travel Medical Insurance of 2024

Explore protection options for unexpected health issues abroad.

Expat Travel Insurance: The 5 Best Options for Globetrotters

Find the coverage and benefits you need for your adventures abroad.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Best Travel Insurance Companies for All Travelers [2024]

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

32 Published Articles 3120 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

What Does Travel Insurance Cover?

Purchase from a real insurance company, purchase your policy early, world nomads, berkshire hathaway travel protection, military and military families, travelers with disabilities, travelers with pets, the best travel insurance comparison sites and tools, credit cards with insurance, employer-sponsored health plans, club memberships, medicare advantage and medicare supplement plans, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you travel frequently, chances are you’ve encountered an event that could have been less stressful and less expensive if you’d purchased travel insurance.

Perhaps it was that cruise you booked but couldn’t take due to your broken ankle. Or maybe your flight had a weather delay and were forced to pay for an expensive hotel night, meals, and transportation.

Maybe you made it to your destination without incident — but your luggage never arrived.

Whether you’re escaping for the weekend or planning an around-the-world adventure, travel insurance is worth considering if you would experience financial loss should things go wrong .

But how do you select the right travel insurance company and the appropriate policy for your specific situation?

The vast number of choices can be daunting, but we can help you narrow the options.

In this article we’ll discuss:

• What travel insurance covers
• Where and when you should purchase travel insurance
• The best travel insurance companies for your travel situation
• Where you should look for current coverage

Let’s explore some of the best travel insurance companies and what to look for when selecting one to purchase your policy with.

Travel insurance is protection you purchase to cover you for the specific types of losses you could experience while traveling.

Types of coverage you can purchase in a travel insurance policy include:

• Emergency medical care while traveling
• Evacuation to a hospital should you become injured
• Costs associated with trip interruption, delay, or cancellation
• Lost/stolen/damaged luggage
• You become ill and cannot take a planned trip
• You need to cancel your trip for any reason

You can purchase a policy that covers an individual trip, multiple trips, or a family policy.  Another choice is an annual policy that covers all of the trips you would take in a 12-month period.

Where & When to Purchase Travel Insurance

You’ll of course want to purchase your travel insurance from a reputable company. Fortunately, all insurance companies are state regulated and rated financially , so it’s easy to select a trusted provider. Here are some tips:

• Look for ratings on the company’s website — Look for ratings such as A+ on a company’s website, or access their financial rating on sites such as A.M. Best, Moody’s, or Standard and Poors.
• See if they’re accredited by the Better Business Bureau — BBB accreditation is a real plus, and companies who have it will flaunt it.
• Look for the word “Insurance” — Travel “protection,” “assurance,” or simply “travel policy” don’t mean the same thing. If the company is not an insurance company, it may not be regulated — and you may not be protected if the company dissolves or decides not to pay your legitimate claim.

Hot Tip: Due to “free look period” regulations that apply to insurance companies, you’ll also have the opportunity to review your policy and reject it if you are not satisfied.

In most cases you can purchase travel insurance up until the day of your departure. However, there are benefits to purchasing a policy earlier:

• Protection if you get sick and cannot go on your prepaid trip
• Travel planning and concierge services
• Coverage for weather cancellations (such as for hurricanes)
• Default of the travel company

The best plan of action is to purchase your travel insurance as soon as you’ve made your first trip deposit .

Bottom Line: Buy from a regulated insurance company that has a high financial rating and BBB accreditation. Additionally, purchase your policy at least 21 days in advance of your trip to take advantage of pre-departure coverages and benefits.

Best Travel Insurance Company for the Family (Recommended)

Obtain a family travel insurance quote from most companies, and you’ll be charged for each child added to the policy.

Travelex does things a bit differently and covers children under the age of 18 on the parent’s policy at no additional charge.

As an example, their Travel Select policy for a family of 4 (ages 35, 36, 8, and 10) on a 2-week trip that costs $4,600 quoted a premium of $242.

Primary Coverage includes:

• Trip cancellation 100% of trip cost
• Trip interruption 150% of trip cost
• Trip delay $750 ($250/day)
• Equipment delay $200
• Missed connection $750
• Baggage & personal effects $1,000
• Baggage delay $200
• Emergency medical & dental expenses $50,000
• Emergency evacuation & repatriation $500,000
• Accidental death & dismemberment $25,000
• Travel assistance & concierge services

There are plenty of upgrade options available, such as cancel-for-any-reason coverage and additional medical coverage.

Travelex is also backed by A++ rated Berkshire Hathaway Specialty Insurance Company and accredited by the Better Business Bureau.

Be sure to compare rates between companies to find the best value for the coverage most important to you.

Bottom Line: For family coverage all on 1 policy, comprehensive protection, and good value, Travelex is a solid choice. 

Best Travel Insurance Company for the Active Traveler

If you’re the type of traveler who partakes in adventure activities such as white water rafting, scuba diving, or even bungee jumping, there’s one company that stands out above the others.

World Nomads offers comprehensive travel insurance plans that cover a huge variety of over 200 activities — even dangerous ones!

But you don’t have to be a risk-taker to benefit from World Nomads travel insurance .

Any traveler can benefit from their policies, which offer a combination of the coverages travelers need most.

Highlights of World Nomads Travel Insurance

• You can purchase the insurance from anywhere, before you travel or during your travels
• Backed by highly rated companies such as  Lloyd’s and Nationwide Mutual Insurance Company
• World travel specialists
• 24/7 worldwide emergency assistance
• Single-trip, multiple-trip, and long-term policies are available
• Best overall coverage for active travelers
• Standard and comprehensive plans to choose from
• Policies are available for travelers through age 69

Let’s take a look at a sampling of their travel insurance policies to get an idea of the coverage and cost.

World Nomads offers Standard Plans and more comprehensive Explorer Plans.

This particular policy is an Explorer Plan for a 40-year-old traveling for 6 months to 5 countries. The premium cost came to $814. (The Standard Plan with lower coverage limits was $567.)

Let’s take a look at a shorter term policy for a 35-year-old traveling to 5 countries over a 1-month period. The cost for this policy is $133 for the Standard  Plan and $236 for the Explorer Plan.

Your World Nomads travel insurance policy covers you once you’re more than 100 miles from home , so their policies are great for domestic travel too.

If you want a comprehensive travel insurance policy with all the coverage you would need when traveling, World Nomads is a good choice.

You must be under age 70 to purchase travel insurance from World Nomads, and they do not cover pre-existing conditions .

For travelers age 70 and up, World Nomads partners with Silver Nomads to provide coverage through  TripAssure .

To secure a quote now for travel insurance, visit the World Nomads website .

Best for Purchasing an Affordable Annual Travel Insurance Plan

If you’re taking 3 or more trips a year, an annual travel insurance policy could save you money.

An annual policy also has the added benefit of insuring trips you haven’t even booked yet!

Consider including travel insurance provider Allianz when comparing policies if you’re looking for coverage for multiple trips during a 12-month period.

Allianz was voted best travel insurance provider by Travel Weekly for 2018 , but that’s just one of the 12+ awards this company won during the year.

After reviewing several companies and policies, I purchased my annual travel insurance policy from Allianz because it was the right mix of price and coverage for my travel schedule.

In addition to the coverage listed in the above example, these annual plans include baggage loss/damage, travel delay , and car rental coverage.

To determine if an annual travel policy is better for you, simply price each planned trip separately and compare the cost and coverage to the annual policy .

Allianz also offers affordable travel insurance plans for families.

Hot Tip: An annual travel insurance policy with Allianz has the added benefit of covering trips you haven’t yet booked! Any trips 45 days or less in length are covered.

Best for Medical Insurance While Traveling

If you have current medical insurance that will not cover you while traveling, the type of medical travel insurance policy you purchase will be different than if you do not have current medical insurance.

Fortunately, medical travel insurance coverage is available in either scenario.

If you have current medical insurance , you can affordably supplement it with a GeoBlue medical travel insurance plan and have coverage worldwide.

For those who don’t have current medical insurance , one option is to purchase a comprehensive plan that includes medical, such as Exact Care Plus policies with Berkshire Hathaway Travel Protection.

This example is for an annual comprehensive travel insurance policy for a 35-year-old (costing $292).

In addition to primary medical insurance of $50,000 and evacuation/repatriation insurance of $500,000, you’ll receive these coverages:

• Trip cancellation – 100% of trip cost
• Trip interruption – 150% of trip cost
• Trip delay – $1000
• Missed connection – $100
• Tarmac delay – $1,000
• Flight departure delay – $50
• Lost baggage – $500
• Delayed baggage – $150

Terms and conditions apply, and the price will vary depending on the cost of the trip, destinations, age of traveler, and coverage selected.

Hot Tip: You may be able to secure an annual comprehensive travel insurance plan that includes primary medical coverage for not much more than just an annual medical travel insurance plan. 

Best for Medical Evacuation Coverage

According to Medjet, over 2 million travelers each year need medical evacuation. Unfortunately, emergency medical evacuations can run between $30,000 and $150,000!

Backed by Lloyd’s of London, A + rated, and BBB accredited, Medjet is the premier provider of emergency evacuation services.

Medjet is not insurance — it is a membership that assures you’ll have medical transport when you need it, even in remote areas.

Short term membership starts at $99, while annual membership is $295.

Coverage includes worldwide medical transport and associated services.

Additional coverage is available for terrorism evacuation, kidnap for ransom, disappearance, wrongful detention, and blackmail/extortion.

Best Travel Insurance Companies for Special Situations

Are you current or former military, a senior traveler, disabled, or simply want to make sure you have insurance when traveling with your pet?

Fortunately, specialty travel insurance is widely available to everyone.

Military members have unique circumstances when it comes to travel insurance, such as redeployment and other situations specific to military service.

USAA members receive extra protection and exclusive rates on travel insurance policies. Current military, their families, and former military can qualify.

Additionally, children are included on most plans for no extra charge .

Here’s what these plans generally include:

• Lost or delayed baggage
• Trip cancellation or interruption
• Trip interruption/cancellation even due to illness
• Medical coverage
• Weather interruptions to your trip
• Emergency evacuation and assistance

Need a good credit card? Check out our list of the best credit cards for military .

• World Nomad  partner  TripAssure  offers travel insurance for those 70 years old and above.
• GeoBlue issues medical insurance travel plans up to age 84.
• Allianz and Berkshire Hathaway offer policies up to 99 years of age!
• Allianz Global Assistance (recommended by Wheelchair Travel.org) offers policies for those with disabilities or special needs at standard prices.
• Travelex’s Travel Max Policy  – $1000 for emergency pet medical treatment. If you are unable to take care of your pet due to hospitalization while traveling, there is coverage of up to $10,000 to transport your pet back home.

If you want to compare travel insurance companies and individual policies, a comparison tool can do just that.

Here are 4 of the most popular comparison sites, all of which offer dozens of policies from scores of travel insurance companies:

• Squaremouth
• InsureMyTrip
• Travel Insurance.com

Comparison sites do not list every travel insurance company , but they can help narrow your choices and get an idea of pricing and coverage.

Note that some sites are limited to single-trip policy searches and don’t allow you to search for annual travel insurance policies.

Coordinating Travel Insurance With Current Coverage

You may currently have some form of travel insurance and not realize it, so check for current coverage if you have any of these resources.

Credit cards can provide a multitude of travel benefits. One of the best credit cards for travel benefits include the Chase Sapphire Preferred :

• Domestic and worldwide car rental insurance
• Trip delay , cancellation , and interruption protection
• Lost/delayed baggage protection
• Roadside assistance
• Travel and emergency assistance
• Travel accident insurance
• Cell phone protection

It’s worth noting that to receive credit card travel benefits, you must pay for your trip with your qualifying credit card .

Some credit cards grant coverage when paying partially, but some require the entire purchase be paid with the card (or rewards points from the card).

Hot Tip: To find out which credit cards offer protection , we put together a comprehensive overview of credit cards and the associated travel benefits.

While many health insurance plans limit coverage outside of the United States, you may find travel coverage within your plan that can be quite significant.

For example,  Unum  is one of the most common group insurance companies offering employers travel insurance for their employees through  Assist America .

You may find these types of protection included:

• Emergency medical evacuation
• Prescription replacement assistance
• Transportation for a friend or family member to join a hospitalized patient
• Care and transport of unattended minor children
• Hospital and English-speaking medical provider referrals
• Legal and interpreter referrals
• Passport replacement assistance

Bottom Line: It’s important to know if your current health insurance plan will cover you when traveling. You may find unexpected coverage or some gaps in coverage, and be able to supplement your plan with a travel insurance policy prior to your trip. 

Certain club memberships offer benefits that can include various levels of travel insurance coverage:

• Divers Alert Network — Emergency evacuation insurance, even when traveling for non-diving activities
• Family Motor Coach Association — Discounted worldwide travel assistance
• Gold Wing Road Riders Association — Free emergency towing and roadside assistance for motorcycles
• American Motorcycle Association — Emergency towing and roadside assistance coverage for motorcycles, cars, trucks, trailers, and RVs
• American Alpine Club — Search and rescue for any land-based activity worldwide up to $7,500

Hot Tip: Divers Alert Network provides up to $100,000 in emergency evacuation insurance for members, even during non-diving activities. The cost to be a member is only $35 annually. 

Only in rare circumstances does Medicare extend coverage outside of the U.S.

Supplemental plans you purchase over and above your plan A and B Medicare, however, can pay 80% of medical emergency care outside the U.S. after a $250 deductible.

Coverage is valid for the first 60 days you’re traveling and has a $50,000 lifetime cap.

BOTTOM LINE: Benefits offered with credit cards, club memberships, employer-sponsored health plans, and Medicare do not match the protection you’ll receive with a comprehensive travel insurance policy. However, knowing what you have currently can help you avoid paying for duplicate coverage. 

Insurance serves the purpose of protecting us from great financial loss. For this reason, it is wise to purchase travel insurance for any trip that includes the potential to lose money if things go wrong.

Travel insurance also delivers peace of mind. Even if we never use the insurance, it is one less worry knowing we’ll be compensated if an incident occurs.

Fortunately, travel insurance is broadly available and also affordable. And there are so many choices!

Be sure to purchase your travel insurance policy from an actual regulated insurance company for an extra level of protection.

Our selections in this article were limited to strong financially rated companies, those that provided ease in getting a quote, and those that offered an understandable overview of coverages.

To learn more about travel insurance and assistance in finding a policy that fits your travel needs, access our ultimate guide to buying the best travel insurance .

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

Which is the best travel insurance company.

The best travel insurance company is the one that offers a policy that fits a combination of your budget and your travel needs.

The insurance company should be highly rated financially and ideally be certified with the Better Business Bureau.

You should also make sure that the policy you purchase is from an actual insurance company.

Insurance companies are state regulated and must adhere to rules and regulations. This extra level of protection can help if the company should go out of business or not pay your legitimate claim.

As always, it’s good to compare coverage and price to find the best combination for your situation.

Does travel insurance cover medical expenses?

Yes, you can purchase a travel insurance policy that includes medical insurance, or you can purchase one that has only medical insurance coverage.

There are plans that require you to have current medical insurance. These plans are called secondary plans, and they pay incurred medical costs over and above what your current policy pays.

There are also plans that are primary plans, which pay regardless of whether you have other medical insurance. If you do not have current medical insurance, you will want a primary medical travel insurance policy.

Do credit cards have travel insurance?

Credit cards offer limited travel insurance. You won’t find medical coverage, emergency evacuation insurance, or coverage if you need to cancel your trip due to an illness.

Credit cards can offer a trip interruption benefit, coverage for lost baggage, and even rental car coverage.

However, the coverage that comes complimentary on your credit card does not come close to the protection you receive with a comprehensive travel insurance policy.

It is good to know the current coverage offered on your credit card, however, so that you don’t purchase duplicate coverage.

Is there travel insurance that covers multiple trips?

Yes, you can purchase a travel insurance policy that covers a single trip, multiple trips, or an annual insurance policy that covers all the trips you would take in a 12-month period.

If you plan to take more than 2 or 3 trips a year, you should look into an annual travel insurance policy.

Price out what it would cost for separate policies for the trips you have planned, then price out an annual plan to compare the difference in cost.

You will also want to compare coverage and coverage limits.

One advantage to an annual travel insurance policy is that it will cover trips you may book in the future as long as they fall into the 12-month policy term.

Was this page helpful?

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Customer Support

+1 949 864 6017

• International Travel Insurance
• Visitor / Immigrant Insurance
• Senior Travel Insurance
• Business Travel Insurance
• Travel Insurance For Schengen Visa
• Student Insurance Plan
• How It Works
• Manage Your Policy
• Book Appointment
• Get A Quote

My Profile Details

Make payment history, navigating the globe safely: a comprehensive guide to travel insurance for multiple countries.

Embarking on a journey that spans multiple countries is really thrilling, opening doors to diverse cultures, and landscapes, but it's crucial to prioritize your safety and well-being. One way to ensure a worry-free trip is by securing travel insurance tailored for multiple countries. In this guide, we'll provide helpful information about travel insurance for multiple countries from its definition to essential tips for finding the best coverage. 

Whether you're a globetrotter or planning your first international escapade, understanding the travel insurance tailored for multiple countries is key to a journey marked by security and peace of mind.

Enjoy your fulfill journey with travel insurance for multiple countries

1. What is Travel Insurance for Multiple Countries?

Travel insurance for multiple countries is a specialized insurance policy designed to provide comprehensive coverage for individuals embarking on journeys that span across various nations. Unlike standard travel insurance, which may be limited to specific regions or countries, this type of insurance is tailored to meet the unique challenges and requirements of international travel involving multiple destinations.

In this plan, you don’t misunderstand between travel insurance for multiple countries and travel insurance for multiple trips. While travel insurance for multiple countries caters to the specific requirements of a single trip covering various nations, multi-trip travel insurance is designed for individuals who frequently travel and seek coverage for multiple shorter trips over a defined timeframe. The choice between the two depends on the nature of your travel plans, whether they involve a single extended journey across different countries or several shorter trips throughout the year.

Travel insurance for multiple countries is designed for travelers involving multiple destinations

2. What Is the Coverage of International Travel Insurance for Multiple Countries?

By buying international travel insurance for multiple countries, you can enjoy a comprehensive safety net for travelers, offering coverage in various situations. Let's delve deeper into the specific components of this insurance to better understand its extensive protection:

2.1 Medical Coverage

This encompasses emergency medical expenses, covering the costs of treatments, hospital stays, and medications in the event of illness or injury. Additionally, it includes provisions for emergency evacuation, assuring that you can access adequate medical facilities promptly. In unfortunate circumstances, where repatriation is required, the insurance covers the expenses associated with returning your remains to your home country.

2.2 Trip Cancellation and Interruption

These are inherent risks in travel, and international travel insurance addresses these concerns comprehensively. Whether due to personal health issues or unforeseen family emergencies, this coverage reimburses non-refundable trip expenses, providing financial relief when plans are disrupted.

Travel insurance for multiple countries is a safety net for medical emergencies as well as travel curriculums

2.3 Lost or Delayed Baggage

The hassle of lost, stolen, or delayed baggage is mitigated through coverage specifically designed for these situations. This includes compensation for the value of lost or stolen items, alleviating the financial burden of replacing essential belongings. Similarly, in the case of baggage delays, the insurance provides compensation for necessary purchases, allowing you to continue your journey with minimal disruption. 

2.4 Travel Delay

Travel delays, a common occurrence in the unpredictability of global travel, are addressed with coverage that includes reimbursement for additional accommodation and meal expenses. Missed connections due to delays beyond your control are also considered, offering financial support when unforeseen circumstances impact your itinerary

2.5 24/7 Assistance

An integral aspect of international travel insurance is the provision of 24/7 assistance. This includes emergency assistance for immediate support in critical situations, as well as language support to overcome communication barriers with local authorities and healthcare professionals.

Travelner Insurance always support any concern with 24/07 customer service

3. Tips for Finding the Best Travel Insurance for Multiple Countries

When navigating the diversity of options for international travel insurance, several tips can guide you toward selecting the most suitable coverage for your needs.

3.1 Assess Your Needs

Consider the specific requirements of each destination, factoring in the unique risks and healthcare costs associated with different countries. Additionally, evaluate your activity level, especially if you plan to engage in adventurous pursuits, and ensure that your policy adequately covers potential risks.

3.2 Compare Plans

This is a fundamental step in finding the best coverage. Look beyond the surface and delve into the details, comparing coverage limits for medical expenses, trip cancellations, and other critical components. Understand deductibles to gauge your potential out-of-pocket expenses in the event of a claim.

3.3 Read the Policy Carefully

The devil is in the details, and this holds true when it comes to reading the fine print of insurance policies. Pay close attention to exclusions to avoid unpleasant surprises. Some policies may not cover pre-existing conditions, high-risk activities, or certain destinations.

Remember to read policy carefully before buying travel insurance 

3.4 Consider Add-Ons

Consider add-ons based on your specific needs. If your journey involves adventure sports, explore additional coverage for these activities. Likewise, if you're carrying high-value items such as electronics or jewelry, inquire about additional coverage options for these belongings.

4. Is International Travel Insurance for Multiple Countries Worth It?

Absolutely. While some may view travel insurance as an unnecessary expense, the potential financial and logistical burdens of unexpected events make it a wise investment. The peace of mind it provides, knowing that you're protected against unforeseen circumstances, far outweighs the cost. When buying travel insurance for multiple countries , you can enjoy a fulfilling journey. 

5. Explore Travel Medical Insurance for Multiple Countries and Travel Insurance for Multiple Entry Schengen Visa

Embarking on a journey across multiple countries necessitates a thoughtful consideration of the various facets that contribute to a safe and seamless expedition. Two critical aspects deserving special attention are Travel Medical Insurance for Multiple Countries and Multiple Entry Schengen Visa Insurance. Let’s explore the highlight benefits of these plan: 

Travel Medical Insurance for Multiple Countries

Specifically focusing on medical emergencies, travel medical insurance for multiple countries ensures you receive prompt and quality healthcare wherever your journey takes you.

Travel Insurance for Multiple Entry Schengen Visa

If your travels include Schengen countries, having insurance that meets the Schengen visa requirements is essential. This coverage typically includes medical expenses, repatriation, and a minimum coverage amount.

In conclusion, investing in travel insurance for multiple countries is a crucial step in ensuring a safe and enjoyable global adventure. By understanding the coverage offered and following tips for selecting the right plan, you can embark on your journey with confidence, knowing that you have a reliable safety net wherever you go.

Travelner Insurance is a trust companion in your trip

If you are looking for travel insurance for multiple countries , you can choose this plan in Travelner Insurance . We are a global travel insurance company with various plans suitable for your requirements. Also, we have a multilingual staff and highly-trained customer service professionals, you will support with a duty of care second to none.

Related articles

Does Travel Insurance Cover Illness of Family Members?

Travel Insurance for Death in Family: What Types of Coverage Should You Choose?

Master your family adventure: The ultimate vacation checklist for family

Post Office family travel insurance: Peace of mind for your family getaway

Popular articles.

Apr 14, 2024

Explore the Great Benefits of Family Travel Insurance

Difference Between Group and Family Travel Insurance

Obtaining the Large Family Travel Insurance: What You Need to Know

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Loans for Bad Credit
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

The Best Travel Insurance Options for Digital Nomads (2024)

Travel insurance for digital nomads can provide trip and medical protection while working abroad.

from Seven Corners via TravelInsurance.com

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Based on our research and comprehensive travel insurance rating methodology, we at the MarketWatch Guides team found that World Nomads, Travelex, Seven Corners, IMG and AIG Travel Guard offer the best travel insurance options for digital nomads.

Remote work can afford some people the opportunity to travel while working abroad. In this article, we’ll closely examine our picks for the best travel insurance plans for digital nomads or remote employees who travel and work in various locations.

The Best Travel Insurance Plans for Nomads

After conducting extensive research on travel insurance policies for digital nomads, we’ve chosen the following plans as our top picks.

• World Nomads: Explorer Plan
• Travelex : Our pick for families
• Seven Corners : Backpacker
• International Medical Group (IMG) : Patriot International Platinum
• AIG Travel Guard : Annual Plan

World Nomads

Pros and Cons

Why we picked world nomads.

Based on our review, World Nomads travel insurance may be worth considering if you’re an adventurous digital nomad. The provider covers over 150 adventure activities and sports through its Explorer Plan, such as skydiving, paragliding, bungee jumping and more. This type of coverage is rarely included as standard through travel insurance policies.

Policies through World Nomads last up to 180 days and will require purchasing an extension every six months if you plan to travel beyond that timeframe. However, you can buy your insurance post-departure, meaning if you’re already a digital nomad abroad, you can decide on coverage anytime. The Explorer Plan offers $100,000 in emergency medical coverage and $500,000 for emergency evacuations. It also provides $3,000 in coverage for the loss, theft or damage of your bags, tech or sports gear.

Coverage and Costs

The World Nomads Explorer Plan offers the following coverages:

• Medical emergency
• Emergency evacuation and repatriation of remains
• Trip interruption and cancellation
• Baggage and personal effects
• Trip and baggage delay
• Rental car damage
• Accidental death and dismemberment
• 24-hour emergency assistance services

Exclusions include but are not limited to:

• Medical bills related to a pre-existing condition
• Non-emergency medical treatments
• Items with no record of purchase
• Accidents that occur while intoxicated

To better understand the cost of a World Nomads policy, we gathered quotes for a 30-year-old digital nomad traveling to multiple countries, including Germany, Italy and Spain, over 180 days. Based on our quote, the traveler could pay $548 for the Standard Plan and $788 for the Explorer Plan .

Both the Standard and Explorer plans are more expensive than other providers we quoted using the same traveler profile. However, some may find the cost worth it due to the extensive sports and activity coverage.

Why We Picked Travelex

Travelex offers long-term insurance coverage suitable for digital nomads with its Travel Select plan. This policy lasts up to a year and offers various add-ons such as additional medical expense coverage, an adventure sports rider, car rental collision coverage, CFAR coverage and more.

The Travel Select plan also provides coverage to all children under 17 traveling with you, a potential benefit for digital nomads with kids. Travelex provides $50,000 in emergency medical expense coverage and $500,000 in emergency medical evacuation and repatriation coverage, but you can increase limits for an additional cost. You can also qualify for a pre-existing medical condition waiver if you purchase this plan within 15 days of your initial trip payment.

Travelex’s Travel Select plan offers the following coverages and more:

• Trip cancellation and interruption
• Baggage and travel delay
• Emergency medical
• Emergency medical evacuation
• Sporting equipment delay
• 24/7 travel assistance

Exclusions with this plan include but are not limited to:

• War or acts of war
• Adventure sports (unless a waiver is purchased)
• Intentionally self-inflicted injuries
• Normal pregnancy and childbirth

Our research team gathered a quote from Travelex for a 30-year-old digital nomad spending a year in Spain. The company also asked how much the traveler spent on non-refundable expenses, which we estimated around $10,000. Based on this quote, we found our sample traveler could pay around $441 for a Travel Select Plan.

The Travel Select plan is Travelex’s only plan available to nomads looking to spend up to a year abroad. While coverage costs less than Seven Corners and World Nomads, Travelex provides a lower base medical coverage limit of $50,000.

Seven Corners Travel Insurance

Why We Picked Seven Corners

Seven Corners offers a Backpacker plan that can cover digital nomads traveling through multiple countries for up to a year. This plan focuses more on medical coverage while abroad, offering coverage for emergency medical events and physician visits. The Backpacker plan allows you to choose a variety of deductibles that can lower your total plan costs. In addition, it offers $25,000 in coverage for the acute onset of pre-existing conditions.

If you plan on participating in adventure activities during your travels, Seven Corners offers an optional rider that covers scuba diving, zip lining, sky diving and more. Note that if you’re traveling to an area where motorcycles, scooters or other similar transportation methods are considered standard and for hire, you must purchase this optional coverage.

Seven Corners offers the following coverage and more with its Backpacker plan:

• COVID-19 coverage
• Medical coverage
• Evacuation coverage due to a medical, political or natural disaster
• Burial or cremation
• Trip interruption

Exclusions from coverage include but are not limited to:

• Medical tourism
• Quarantine expenses
• Medical bills resulting from self-harm
• Terrorist activity and war

To better understand the cost of a travel insurance policy from Seven Corners, we gathered a quote for a 30-year-old digital nomad traveling to multiple countries over a year. Based on this quote, our sample traveler could pay $573 for a Backpacker plan.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) offers travel medical and international health insurance plans. Long-term digital nomads looking for annually renewable medical coverage may benefit from IMG’s Patriot International Platinum plan. With protection extending up to $8 million in coverage, this plan provides renewable travel medical benefits for up to 36 months.

Optional coverage under the Patriot International Platinum policy includes enhanced accidental death and dismemberment (AD&D), device protection and adventure sports riders. IMG also offers acute onset of pre-existing condition coverage, but maximum coverage limits vary by age.

IMG’s Patriot International Platinum plan covers the following and more:

• Emergency dental
• Political and natural disaster evacuation
• Return travel benefits
• Lost luggage
• Small pet common air carrier accidental death

Exclusions from this plan include but are not limited to:

• War or military action
• Pre-existing conditions
• Maternity and newborn care
• Mental or nervous disorders
• Preventative care

To find out how much IMG’s Patriot International Platinum plan could cost, we obtained a quote for a 30-year-old digital nomad living abroad in Spain for a year. Based on this quote, our team found that this traveler could pay $684 for this plan.

When comparing quotes across providers, we found that IMG is more expensive than Seven Corners and Travelex but provides higher policy maximums for medical expenses. However, if you choose a higher deductible than we did, your costs may end up being less.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard offers its Annual Plan to cover year-round travel to multiple destinations, which could benefit a digital nomad. This policy provides both medical coverage and travel benefits such as trip interruption , trip delay and missed connection coverage. You can purchase this policy up to 24 hours before departing for your trip, making it worth consideration for nomads looking for last-minute coverage.

The Annual Plan covers $50,000 in travel medical expenses, $500,000 in emergency evacuation and up to $2,500 in baggage coverage . AIG offers up to 100% in trip interruption coverage, but note there is a maximum of $2,500 for this benefit. With rates of around $260 based on our quote process, a digital nomad looking for coverage on a budget may find AIG’s plan worth purchasing.

AIG Travel Guard’s Annual Plan provides the following coverage:

• Trip interruption and delay
• Travel medical
• Non-flight AD&D
• Baggage coverage and delay
• Missed connection
• Security evacuation

General exclusions from an Annual Plan include:

• War and acts of war
• Participation in a riot
• Intoxication above the legal limit at time of loss

AIG Travel Guard only asked for our state of residence, plan start date and number of travelers when gathering a quote for the Annual Plan. After providing this information, we found that this plan could cost our sample traveler $259.

Travel Insurance vs. Health Insurance for Digital Nomads

Digital nomads may have different insurance needs based on their travel styles. A comprehensive annual travel insurance policy may work for some, while a travel medical policy would better suit others. Your ideal plan depends on your circumstances and what you want to protect while traveling.

Annual travel insurance covers multiple trips within a year and can provide travel and medical benefits. An annual, multi-trip policy may work for digital nomads who travel to multiple countries for short periods while returning to a home base between trips. 

Travel medical policies could benefit digital nomads residing overseas long-term under a digital nomad-specific visa. Iceland , Croatia , Costa Rica , Spain and more offer visas that allow digital nomads to reside within the country for a specified amount of time. However, these countries may ask you to provide proof of medical insurance that covers you while abroad. Note that U.S.-based health insurance does not always extend abroad. Because travel medical insurance can act as a primary healthcare plan during your travels, it may satisfy the health insurance requirements of various countries welcoming digital nomads. 

Compare Digital Nomad Travel Insurance Plans

See the table below for a direct comparison between providers and our recommended plans. The best way to determine how much these plans may cost you is to obtain a free quote from each company.

How Much Is Travel Insurance for Digital Nomads?

Based on the quotes gathered by our research team, we found the average cost of a travel insurance plan for a digital nomad is $549 . We based our data on quotes gathered for a 30-year-old digital nomad traveling to multiple countries or staying in Spain for a year, depending on the plan.

Travel insurance for digital nomads may cost more than a travel insurance plan for a single vacation or short-term trip, according to our research. After gathering quotes from 20 providers using seven different sample traveler profiles, we found the average cost of a single-trip travel insurance policy is $221 . This makes a travel insurance plan for digital nomads more than double the cost of a standard policy for single trips. Note that the exact cost of your plan will depend on factors such as your age, travel duration, destination and more. We recommend obtaining a quote from each company in this review to determine how much coverage could cost you.

How Should Digital Nomads Choose a Travel Insurance Plan?

Choosing a travel insurance policy does not need to feel complicated. However, there are several things to consider as a digital nomad when selecting a travel insurance plan. 

Compare Coverage and Costs

We do not recommend settling on the first plan you come across. Comparing coverage and costs across multiple providers can help you better gauge what fits your budget best. When researching, we also encourage you to consider a travel insurance company’s industry reputation and customer reviews. Look at reviews from sites such as the Better Business Bureau (BBB) and Trustpilot to understand how a company handles its claims process and treats policyholders.

Consider Your Travel Style

There are many different types of digital nomads. Some may travel for extended periods across multiple countries. Others may stay in one place for up to a year or take short trips while returning to a home base for a set period. How you travel will affect what kind of travel insurance policy is best to purchase, so being realistic and honest about your travel style can help you choose the right plan.

Address Your Unique Needs

Every digital nomad is different. Some may be more concerned with trip protection, while others deem medical and evacuation coverage most important. Take the time to think about what is most important for your needs. For example, if you’re a digital nomad dealing with a medical issue deemed a pre-existing condition, consider a travel insurance plan that provides a pre-existing medical condition waiver.

Does a Digital Nomad Need Travel Insurance?

Deciding if you need travel insurance coverage is a decision only you can make. However, our research has found there are benefits to investing in travel insurance as a digital nomad. If you plan on taking multiple trips within a year or working abroad for short periods, an annual travel insurance plan can offer financial protection if you need to cancel a trip or experience an interruption. A plan with emergency medical coverage can help cover medical bills related to accidents or unforeseen health issues.

Think about whether you’re willing to pay out-of-pocket for healthcare during your travels as a digital nomad. Also, consider if recouping any non-refundable travel expenses in the event of a cancellation or interruption is important to you. Asking these questions can help you decide whether you need a travel insurance policy.

Is Travel Insurance Worth It For Digital Nomads?

Travel insurance can be worth it for digital nomads spending any amount of time abroad. If you travel to multiple countries as a nomad, a travel insurance plan with trip protection can offer financial coverage if you lose your baggage, experience a delay or miss a flight connection. Plans with medical expense coverage can help offset potentially costly medical bills if you end up injured or sick while abroad. 

While purchasing a travel insurance plan is a personal decision, we encourage you to gather free quotes from multiple providers when deciding on a policy. This way, you can find coverage that fits your unique needs as a digital nomad.

Frequently Asked Questions About Travel Insurance for Nomads

Do digital nomads have specific insurance needs.

The insurance needs of a digital nomad vary from person to person. If you take multiple trips abroad annually and want to protect non-refundable travel expenses, consider a plan with generous trip protection limits. Whereas a plan with high emergency medical coverage may be ideal if you’re more concerned about your health or accidents abroad.

How much does digital nomad health insurance cost?

The cost of a digital nomad health insurance policy will depend on factors such as age, travel destinations, time spent abroad, coverage amounts and more. We encourage you to gather free quotes from multiple providers to learn how much a policy will cost you.

What is not covered by travel insurance?

Common exclusions found on travel insurance policies include reasonably foreseeable events such as named storms, pre-existing conditions, pregnancy and childbirth, acts of war, extreme sports or activities, and more. You can consult your travel insurance policy to learn more about specific exclusions and limitations.

Does travel insurance cover nomads in their home country?

Some travel insurance policies may cover digital nomads within their home country. However, coverage varies by both provider and plan. Note that travel insurance is not a substitute for a domestic health care plan — it instead offers emergency coverage while you are traveling. Carefully read through a provider’s coverage terms and conditions to learn if it will cover you in your home country and abroad.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Best Annual Travel Insurance in 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.