9 Best Travel Insurance Companies of 2025
Travel insurance is a crucial aspect of any trip, offering protection against a range of unforeseen events such as lost luggage, missed flights, trip cancellations, and emergency medical expenses. To ensure you have the best coverage, it’s recommended to purchase travel insurance right after booking your trip. Here are some top picks for the best travel insurance companies:
- Seven Corners: This company offers comprehensive coverage for various travel mishaps, including lodging expense benefits, trip saver and exchange specialized coverage, and coverage for trips to Cuba with additional documentation.
- Generali Global Assistance: Known for its 24-hour emergency assistance services, Generali Global Assistance provides coverage for emergency medical treatment, car rental damage, and "cancel for any reason" options in its Premium plan.
- AIG Travel Guard: AIG Travel Guard stands out for its extensive coverage options, including MedEvac and Bag Trak® services, as well as unique coverage for scenarios like canceled weddings and closed attractions.
- Allianz Travel: This company offers an Epidemic coverage endorsement, an Annual plan for business travelers, and a user-friendly TravelSmart App for quick access to travel advisories and emergency services.
- HTH Travel Insurance: Ideal for long-term international travel, HTH Travel Insurance provides specialized coverage for expats and students, with options for international health insurance and emergency assistance services.
- Nationwide: Nationwide is a great choice for cruise insurance, offering three cruise insurance plans tailored to different budgets and needs, with coverage for emergency medical expenses and non-medical evacuations.
- Travelex Insurance Services: Travelex is recommended for families with children, as it offers plans that cover family members under 17 at no additional cost, including coverage for trip cancellations and interruptions.
- World Nomads: World Nomads is perfect for adventure sports enthusiasts, covering over 150 sports and activities with benefits like emergency evacuation, trip cancellation, and lost luggage coverage.
When considering travel insurance, it’s essential to understand what is covered and what is not. Common exclusions include pre-existing medical conditions, injuries due to intoxication, and "foreseeable events" like epidemics. The cost of travel insurance can vary based on factors such as age, travel destination, trip length, and coverage options.
Ultimately, the decision to purchase travel insurance depends on your individual needs and circumstances. It’s important to assess your risks, compare quotes from different providers, and choose a policy that aligns with your travel plans. By selecting the right travel insurance, you can enjoy peace of mind and financial protection during your trips.
