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    Best insurance

    To find the best travel insurance, we looked at 22 of the nation’s top providers. Our mission: find the ones that offer primary medical coverage, generous limits, few exclusions, and top-notch customer service. The cost will depend on you, your trip, and who’s coming with — which is why it’s important to compare quotes from multiple providers. Our four top picks are a great place to start.
    How We Chose the Best Travel Insurance
    Well-rounded plans
    Travel coverage comes in many shapes and sizes — some providers sell only medical, while others let you customize your plan around a few specific risks. But to truly be the best, a company should offer a policy with five major coverage options, even if you don’t end up buying them.
    The best travel insurance should cover:
    Emergency medical care
    Medical evacuation and repatriation
    Trip cancellation/interruption
    Baggage/personal item loss and delay
    24/7 worldwide assistance
    The five general coverage types form a comprehensive plan, but the specific benefits within them can vary. To see how they stack up, we combed through each company’s policy details and scored them on both available options and generosity of coverage. We gave extra points to generous providers such as those who provide the option to “cancel for any reason” and free coverage for children.
    Robust emergency medical coverage
    The travel industry experts we spoke to agree that emergency medical coverage is the most important piece of travel insurance, in large part because most US health plans don’t cover you abroad. That means if you break your leg or catch pneumonia in a foreign country or on an international cruise without travel insurance, you’re responsible for the entire bill.
    As for the amount of medical coverage you need, Megan Singh, of travel insurance comparison site Squaremouth.com, recommends enough to cover at least a week in the hospital — about $50K. So, we required all our top picks to made $50K our minimum coverage requirement. Most providers offer at least one plan that matches our cutoffs, so we focused on minor differences to find the most well-rounded coverage.
    For example, we prioritized companies with optional medical coverage for hazardous or “extreme” activities like scuba diving or helicopter tours. These are never covered by standard emergency medical, and we wanted to ensure our providers would cover the most adventurous among us. The difference gave providers like Travelex the edge over competitors like Travel Guard.
    Reliable medical evacuation coverage
    Standard medical coverage will cover your treatment, but medical evacuation is a separate coverage item that is just as critical. If you need to be airlifted in a medical transport helicopter or flown home to the US on a medically staffed flight, those costs can easily exceed $50,000.
    Megan Freedman, Executive Director of the U.S. Travel Insurance Association, explained, “A medical evacuation can easily cost $50–100K.” A policy with $100K in evacuation coverage should cover a worst-case scenario, so we made it a requirement.
    As we stated earlier, most providers had at least one plan that met our minimum requirements. That said, we gave preference to providers like John Hancock whose cheapest plan starts with $250K in evacuation coverage. While the company may not have coverage for “extreme activities,” generous limits like these are well-suited for those who are traveling to remote locations and want extra peace of mind .
    Primary medical and evacuation coverage
    We also required both medical coverages to be primary rather than secondary. Primary means that your travel insurance effectively replaces any other medical insurance you already have, which helps in two important ways.
    First, it speeds up claims-processing times. Because there’s no need for your travel insurer to coordinate with your health provider back home, you’ll get reimbursed months faster, without as much paperwork. Second, in the rare event that your US plan is in effect, your travel insurance will kick in first. In other words, you won’t be responsible for multiple deductibles, and there’s no risk of hitting any annual or lifetime health insurance limits. This meant providers with secondary coverage such as World Nomads were out.
    For a quick refresher on each coverage option, check out our travel insurance buying guide below.
    Financial strength
    To compare the financial strength of each company, we consulted A.M. Best, the gold standard for Financial Strength Ratings among travel insurers. A rating of A- or higher from the agency means that a company has the financial stability to pay your claims, no matter how large. So, we made sure each company’s policies had an underwriter with an A- (excellent) score or higher to ensure financial reliability.
    Best-in-class customer service
    We looked for companies with knowledgeable and patient reps who were upfront about their coverage options and claims process. We called each company with questions about their coverage options to see which reps had actual claims-handling experience and which were just reading the policy to us over the phone — something we could do on our own.
    We passed on providers like AXA whose reps came across as impatient to make a sale and pushed for our personal details before answering our questions. When it comes time to file a claim, we wanted providers who had our best interests in mind rather than profits.
    Travelex’s Travel Select Plan has all the makings of a great travel insurance policy. It offers $50K of coverage for medical treatment and an impressive $500K for medical evacuation. If you purchase your plan within 21 days of the initial trip deposit, the policy will also offer coverage for losses due to a pre-existing medical condition (normally excluded in most plans).
    Aside from medical coverage, the plan covers everything from missed connections to baggage delays. We are particular fans of the free coverage for kids under 18, which makes the plan an excellent option for families.
    Coverage upgrades
    The standard coverage from the Travel Select plan is thorough, but we really like how Travelex packages its optional coverage too: à la carte upgrades that you can add to your existing coverage. The coverage upgrades include popular options such as coverage for adventure or “extreme” sports and the ability to cancel for any reason.
    The company also offers a medical upgrade that gives you an additional $50K for standard medical coverage for a total of 100K — a nice inclusion for those who want a little extra security.
    Financial strength
    Travelex policies are underwritten by Berkshire Hathaway Specialty Insurance which as an A++ rating from A.M. Best. Put simply, this means Travelex is one of the most financially stable travel insurance providers on the market, and you won’t have to worry about the company’s ability to pay your claim.
    Great customer service
    Travelex offers some of the best customer service as well. Our phone call was answered quickly, and the rep we spoke to was knowledgeable, friendly, and didn’t push us for personal data until it was appropriate — a refreshing change of pace. If anything goes wrong on your trip, the company’s 24/7 emergency assistance ensures you’ll be able to contact a Travelex rep at any time for support as well.
    Points to consider
    Limited basic plan
    While the Travel Select plan offers impressive coverage, Travelex’s basic plan did not meet our base requirements for travel insurance providers. For starters, the Travel Basic plan caps emergency medical coverage at $15K which is far below the recommended minimum. It also does not offer options for “extreme” activities or a Cancel for Any Reason add-on. To be fair, the basic plan may be an acceptable match for shorter domestic trips, but we feel confident the Travel Select plan is the way to go.
    Its best plan is also the most expensive
    While price depends on a number of variables including your location, travel destination, and trip length, it is worth noting that the Travel Select plan is Travelex’s most expensive. In other words, there is a possibility that you can find another provider that offers more thorough coverage such as $100K of medical coverage for cheaper. This isn’t guaranteed, but shopping around may lead you to a better deal elsewhere.
    Best for Solo Travelers
    John Hancock
    John Hancock
    John Hancock
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    John Hancock matches comprehensive coverage with friendly, knowledge customer support.
    Pros
    Straightforward contracts
    Generous coverge
    Excellent customer service Cons
    No free coverage for kids
    No coverage for “extreme” sports or activities
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    Why we chose it
    Straightforward contracts
    John Hancock offers an impressively straightforward and easy to read contract. When explaining coverage for trip interruptions due to a stolen passport the contract clearly states it will cover “a documented theft of passports or visas. Documented means that you have reported the theft to the local authorities.” The contract isn’t an entertaining read, but we like that it lays out the policy as simply as possible and offers clarifications along the way so we know exactly what to expect from our coverage.
    Generous coverage
    John Hancock offers all the standard coverage you would expect from a travel insurer including trip cancellation reimbursement and 24/7 assistance. You even get up to $150 per day for meals and other expenses if your flight is delayed by three hours as opposed to the five to twelve hours of other companies we compared. We were equally impressed by the medical coverage — the Bronze plan (the cheapest) offers $50K for medical treatments and $250K for medical evacuation. Upgrade to the Silver or Gold and the amounts increase. The company even offers $750 for dental (a full $250 more than competitors like Travelex).
    Excellent customer service
    We were also impressed by John Hancock’s world-class service. John Hancock’s reps were knowledgeable, friendly, patient, and warm, and knew the coverage backward and forward. Better still, it took less than a minute for the company to answer our call which made us feel confident that, if we had to call in an emergency, we’d be in good hands.
    It bears noting that John Hancock’s customer support (their sales and claims departments) is actually managed by Seven Corners — another insurance company that didn’t quite make our top picks. Even so, we feel John Hancock’s policies and the customer representatives make a great pairing.
    Points to consider
    You’ll have to purchase a separate policy for your kids
    We were disappointed to see that John Hancock does not offer free coverage for children under 18. That means you will have to pay extra to insure your kids which may end up being quite expensive. If you’re taking a family trip and want to save some cash, we suggest comparing quotes with providers such as Travelex, Allianz, and IMG which all include kids for free.
    No coverage for hazardous sports or activities
    If adventurous activities like rock climbing, skydiving, or caving are on your itinerary, John Hancock won’t be the best choice. The company does not offer coverage for injuries due to “extreme” sports and activities. For those who enjoy these activities, we recommend getting quotes from providers who offer the optional coverage like Travelex or IMG. But for those who want to take it easy, John Hancock is still a great choice.
    Best for Thrill-Seekers
    IMG
    IMG
    IMG
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    IMG’s LX plan covers adventure sports like scuba diving excursions, helicopters rides, and moped rentals.
    Pros
    LX plan is tailored about extreme sports
    Decent family plan
    Convenient customer support options Cons
    Long wait times for trip and baggage delay reimbursement
    Fewer customization options
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    Why we chose it
    Coverage tailored around adventurous activities
    IMG leads the pack when it comes to offering plans for adventurers. Specifically designed for trips to remote or exotic locations, the iTravelInsured LX plan offers coverage for adventure or “extreme” sports and activities as well as $10K of coverage for search and rescue. Adventurous but naturally hazardous activities such as rock climbing or scuba diving can put you at risk of an expensive injury or getting stranded. We like that IMG offers a plan that can give adventurers peace of mind.
    Generous medical coverage
    With a $500K medical coverage limit, you also won’t have to worry about footing a large bill in the event of any illness or injury — coverage for adventure sports and activities is included in the amount. In addition, a $1M medical evacuation limit ensures you can make it back home safely and affordably in case you need additional medical care.
    Convenient customer service options
    Like our other providers, IMG earned high marks for its customer service. Phone calls were answered promptly, and the reps were patient, polite, and helpful. However, the company also offers a Live Chat option on its website which was incredibly helpful while we were comparing plans.
    The only other company from our picks to offer chat was John Hancock, but its chat option was a separate window that was a little more difficult to keep track of. IMG’s chat box stays connected to the bottom of your screen and is minimizable for easy access when you need it.
    Points to consider
    Long trip and baggage delay requirements
    IMG has some of the longest time requirements before you can claim reimbursement for trip or baggage delays. The LX plan requires you to wait 6 hours for trip delays and 12 hours for baggage delays while the SE plan requires 12 for both. The Travel Lite plan is even worse at 12 hours for trip delays and 24 hours for baggage. By comparison, other providers only require three to five hours — making this inconvenience difficult to ignore.
    Its other plans aren’t as inclusive
    While we like how IMG designs its plans to satisfy the needs of specific travelers, we miss having the upgrade options of providers like Travelex. For example, we were disappointed that we couldn’t add coverage for adventure sports or the ability to cancel for any reason to the SE Plan. But all around solid coverage makes IMG worth consideration if you’re an adventurer or planning a family trip.
    Best for Long Trips
    Allianz Global Assistance
    Allianz
    Allianz Global Assistance
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    If you’re spending a semester abroad planning a year-long tour across the global, Allianz has you covered for up to 365 days.
    Pros
    Covers trips up to 365 days in length
    Offers annual plans for frequent travelers
    Improved customer service Cons
    Fewer customization options
    Annual plans don’t cover kids for free
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    Why we chose it
    Coverage for long trips
    If you’re planning a trip longer than six months, Allianz is one of your best options. Most providers (except for Travelex) limit their coverage to three months, but Allianz will insure trips up to one year in length — a great match for long vacations, backpackers, or those studying abroad. The plan we recommend is the OneTrip Premier Plan (formerly the Classic with Trip+), which meets our travel insurance requirements and covers kids under 17 for long family excursions.
    Multi-trip plans
    For those who travel frequently, Allianz also offers annual plans that will provide continuous coverage for international or domestic trips over the course of a year. You’ll have to go with the pricier AllTrips Executive Plan or higher to receive reliable coverage, but the annual fee is worth it. The one time costs average around a couple hundred dollars which is more convenient and far less expensive than signing up for a new travel insurance policy for each of your trips.
    Improved customer service
    The first time we reviewed travel companies nearly a year ago, our phone experience with Allianz customer service was mediocre at best: We were on hold for over five minutes, and our rep seemed to know less about the plans than we did.
    However, times have changed and our most recent experience with Allianz was much better. Our call was answered in about half the time and our rep was fairly knowledgeable. Full disclosure: Our other picks are still noticeably better, but we appreciate that Allianz stepped up its game.
    Points to consider
    Add-on coverage is lacking
    Allianz is flexible when it comes to the length of your trips, but that flexibility does not extend to its coverage policies. We were disappointed to see that Allianz lacked add-ons such as the popular and helpful “cancel for any reason” option. We also didn’t see add on-coverage for “extreme” sports or activities, which we feel is a bit of an oversight. For long and easygoing vacations, Allianz is a solid bet, but more adventurous travelers or those with rapidly changing commitments will want to look elsewhere.
    No coverage for children in annual plans
    Allianz does not offer free coverage for children in any of its annual plans which means families that travel frequently will have to purchase separate policies for their kids. The biggest strength of Allianz is its ability to cover long trips or frequent travelers, so this exclusion is strange. In any case, it’s still one of the few providers that will offer free coverage to kids for trips over six months.
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    Guide to Travel Insurance
    How to choose a travel insurance provider
    Look for the five major coverage options
    As we mentioned before, there are five major coverage options that every travel insurance policy should offer. In simple terms those coverage options and their definitions include:
    Trip cancellation/interruption coverage reimburses you for pre-paid, non-refundable expenses such as flights and hotels in the event you need to cancel your trip or cut it short.
    Baggage/personal item loss or delay coverage reimburses you for lost, stolen, or damaged bags and items or covers the cost of clothing, toiletries, and other essentials if baggage is delayed.
    Medical care covers medical treatment due to accidents or injuries as we describe above. However, it does not include injuries caused by “extreme” activities by default.
    Medical evacuation covers the cost for medical treatment and transport to a treatment center or medically staffed transport to a hospital in the US.
    24/7 worldwide assistance offers extra security by ensuring that a travel insurance agent will be accessible and ready to assist you in any emergency
    Read the fine print and ask questions
    Every insurance plan comes with something called the Policy Certificate that lists all acceptable coverage scenarios. If it’s not on the list, and you didn’t buy the option, it’s not covered. For that reason, it’s vital that you read the certificate before purchasing the policy (or at least in the first 10 days when most insurers will let you cancel for a full refund). Depending on where you’re headed, some policies offer better coverage than others, particularly if you plan on participating in “extreme” activities or there’s been civil unrest in the region.
    In any case, if you have any questions, be sure to ask. A good travel insurance provider should have knowledgeable reps who can clarify any misunderstandings. All of our top picks had reps who were up to the task.
    Compare quotes
    Even though cost is often the main factor when choosing a travel insurance provider, we didn’t compare premiums. There are just too many variables for us to reliably say which company will give you the best price. Company A could have better rates for your family’s trip to Canada than Company B, but Company C might be cheapest for your Australian rock-climbing sojourn. For more information about what affects trip cost, check out our review of the best cheap travel insurance companies.
    Purchase travel insurance early
    Three important coverage options are only available for a limited time after you start planning your trip, since they’re designed to protect against things that can happen before you depart (the typical window is 10–14 days, although some companies allow around 20).
    The waiver for pre-existing medical conditions exclusion is the most important; it stops the insurance company from using your previous health history to deny a medical claim. With the waiver, you only have to prove that you were medically fit to travel on the day you bought the policy for your claim to be covered. Without it, your claim could be denied as long as there was evidence of the issue in the two to six months prior.
    The other two time-sensitive options are known as “cancel for work reasons” and “cancel for any reason”. Each lets you cancel for reasons beyond the standard ones — most often a medical emergency or severe weather.
    Keep your assistance card on you when you travel
    Megan Freedman, Executive Director at the US Travel Insurance Association advises travelers to be aware of the 24-hour travel assistance services provided by every plan: “It’s really important for travelers to keep that contact info handy.” The wallet-sized card you get from your travel insurer can be useful in both emergencies (like if you lose your passport) and non-emergencies (like if you just want a quick way of getting tickets to the opera).