10 Best Travel Insurance Companies For 2025: Expert-Rated

The iTravelInsured Travel LX policy stood out in our evaluation thanks to its superior travel medical coverage of $500,000 and $1 million in medical evacuation benefits per person. This policy also includes a pre-existing medical condition exclusion waiver available up until your final trip deposit. It includes a “hospital of choice” option for continuing care after you’ve been transported to the nearest adequate treatment center.

Also included: $50,000 in non-medical evacuation coverage and $10,000 for search and rescue per person.

Other highlights include robust baggage insurance of $2,500 per person and $2,500 per person in travel delay coverage with a short six-hour waiting period. Additionally, trip cancellation and interruption benefits cover sickness, injury or death of a dog or cat, and include $500 in kennel benefits.

We like that it offers a “cancel for any reason” (CFAR) upgrade of 75% of trip costs, providing flexibility if your plans change unexpectedly. Hurricane and severe weather coverage kicks in after six hours, compared to 12 or 24 for many competitors.

However, the policy is not without drawbacks. The iTravelInsured Travel LX policy has the highest average cost among our top-rated options.

Our survey of IMG customers found that 85% were satisfied with customer service, which is slightly below average (88%) for the companies in our analysis. We also found that 90% of customers would recommend IMG, which is a bit above average (87%). Among customers who filed claims with IMG, only 82% report the process was easy, compared to the average (86%) of companies in our evaluation. Overall, 85% of IMG customers were satisfied with how claims are handled, which is about average.

More: IMG Travel Insurance Review

Here’s a look at whether top coverage types are included in the iTravelInsured Travel LX policy.

Coverage type	Coverage limit
Emergency medical	$500,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	$50,000 per person
Cancel for work reasons	Included
Trip interruption	150% of the trip cost
Travel delay	$2,500 per person $250 daily limit Covered after 6-hour delay
Baggage delay	$500 per person Covered after 12-hour delay
Baggage & personal items	$2,500 per person $250 per item
Missed connection	$500 per person Covered after 3-hour delay
Hurricane & weather	Covered after a common carrier delay for 6 hours
Employment layoff	Covered if employed for one continuous year
Accidental death & dismemberment	$100,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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We like Nationwide’s Cruise Luxury policy for its cruise-specific advantages. It includes $1,000 per person in itinerary change benefits for pre-paid excursions you miss if a cruise line changes course. It also has a $250 inconvenience benefit per person for delays caused by a fire or mechanical breakdown at a port of call. This policy’s average cost was the fourth-lowest among the top 10 policies in our analysis.

The Cruise Luxury policy provides $250,000 in medical expense coverage per person, which is solid although not as high as some competitors that offer $500,000 per person. Its evacuation benefits are superior, with $1 million for medical evacuations and $25,000 for non-medical evacuations per person. The Cruise Luxury policy offers a “cancel for any reason” (CFAR) upgrade with reimbursement of 75% and an “interruption for any reason” (IFAR) upgrade that provides up to $1,000 per person.

We also like the policy’s comprehensive delay-related protections, including $1,000 for travel delays and $1,000 for baggage delays per person, both for a short six-hour delay period. Additionally, the Cruise Luxury policy includes great baggage insurance of $2,500 per person.

Our survey of Nationwide travel insurance customers found that 91% were somewhat to completely satisfied with customer service, which is above average (88%) for the companies in our analysis. Among customers who filed claims, 85% report the process was easy, about average (86%) for the companies in our evaluation. Still, only 83% said there was good communication during the claims process, compared to the average (87%). Overall, 84% of Nationwide travel insurance customers were satisfied with how claims were handled, which was about average (86%).

Note that you do not have to be going on a cruise to take advantage of this policy’s robust coverage.

More: Nationwide Travel Insurance Review

Here’s a look at whether top coverage types are included in Nationwide’s Cruise Luxury policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	$25,000 per person
Cancel for work reasons	Included
Trip interruption	150% of the trip cost
Travel delay	$1,000 per person $200 daily limit Covered after 6-hour delay
Baggage delay	$1,000 per person Covered after 6-hour delay
Baggage & personal items	$2,500 per person $500 per item $1,000 specific items limit
Missed connection	$2,500 per person Covered after 3-hour delay Cruise and tour only
Hurricane & weather	Covered after a common carrier delay for 24 hours
Employment layoff	Covered if employed for 3 continuous years
Accidental death & dismemberment	$25,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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The competitive pricing of the Atlas Journey Elevate policy from WorldTrips helped it score well in our analysis: It has the lowest average cost among the top 10 policies in our rankings.

It also provides robust coverage. This policy has solid travel medical benefits of $250,000 per person, though some competitors offer higher limits of $500,000 per person. Its medical evacuation coverage is exceptional, with $1 million in benefits per person. It includes a “hospital of choice” option for continuing care after you’ve been transported to the nearest adequate treatment center. Some other insurers don’t give you a choice of hospitals. Additionally, you can qualify for pre-existing medical condition coverage if you buy this policy within 21 days of your initial trip deposit, compared to the shorter 14-day window required by many other insurers.

We also like that Atlas Journey Elevate policy has a short five-hour waiting period for travel delays. Additional benefits include great coverage of $600 for baggage delays and $2,500 for baggage loss per person. Decent missed connection coverage of $1,500 per person after a three-hour delay is included.

Upgrades are available for adventure sports, rental car coverage of $50,000 and pet-related benefits. The pet upgrade provides pet medical expenses coverage of $500 for pets traveling with you. For pets you leave at home, it pays $200 for boarding/kennel costs if you have to return home later from your trip than planned.

You can add an “interruption for any reason” upgrade with 150% reimbursement. A “cancel for any reason” upgrade and either 50% or 75% reimbursement is available. The CFAR upgrade must be purchased within 21 days of your initial trip deposit—more flexible than many competitors that limit this purchase window to 15 days.

Our survey of WorldTrips travel insurance customers found that 92% were satisfied with customer service, which is above average (88%) for the companies in our analysis. Overall, (88%) customers who made claims were satisfied with the WorldTrips claims process, which is about average (86%). And 90% would recommend WorldTrips, a bit higher than the average (87%) among all travel insurers in our customer survey.

More: WorldTrips Travel Insurance Review

Here’s a look at whether top coverage types are included in WorldTrips’ Atlas Journey Elevate policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	Not covered
Cancel for work reasons	Included
Trip interruption	150% of the trip cost
Travel delay	$2,000 per person $200 daily limit Covered after 5-hour delay
Baggage delay	$600 per person Covered after 12-hour delay
Baggage & personal items	$2,500 per person $500 per item
Missed connection	$1,500 per person Covered after 3-hour delay
Hurricane & weather	Covered after a common carrier delay for 12 hours
Employment layoff	Covered after 30-day wait if employed for one continuous year
Accidental death & dismemberment	$50,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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One of the reasons we like Seven Corners’ Cruise Insurance policy is its short waiting period of six hours for travel and baggage delays. Travel delay benefits of $1,000 and baggage delay benefits of $500 per person are decent.

This policy provides robust travel medical coverage of $250,000 per person, but you can find policies from competitors that provide $500,000 per person. Seven Corners’ Cruise Insurance has great medical evacuation coverage of $500,000 per person. We also like that it includes a $500 per person benefit if your cruise is diverted or disabled, plus $500 per person for itinerary changes that force you to miss pre-paid activities or that eliminate a destination from the itinerary.

The Cruise Insurance plan includes an optional “cancel for any reason” upgrade, reimbursing 75% of non-refundable costs. Additionally, it offers an “interruption for any reason” upgrade, providing 75% reimbursement.

One drawback is that the Cruise Insurance plan’s average cost is only so-so—the fourth highest out of the 10 top policies in our rankings.

Our survey of Seven Corners travel insurance customers found that 87% were satisfied with customer service, which is about average (88%) for the companies in our analysis. Overall, 91% of Seven Corners customers who made claims were satisfied with the claims process, which is above the average (86%). Most Seven Corners (88%) customers are likely to recommend the company, which is about the average (87%).

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

More: Seven Corners Travel Insurance Review

Here’s a look at whether top coverage types are included in Seven Corners’ Cruise Insurance policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$500,000 per person
Non-medical evacuation	None
Cancel for work reasons	No coverage
Trip interruption	150% of the trip cost
Travel delay	$1,000 per person $250 daily limit Covered after 6-hour delay
Baggage delay	$500 per person $100 daily limit Covered after 6-hour delay
Baggage & personal items	$2,000 per person $250 per item $1,000 specific items limit
Missed connection	$1,500 per person Covered after 3-hour delay Cruise and tour only
Hurricane & weather	Covered after a common carrier delay of 48 hours
Employment layoff	None
Accidental death & dismemberment	None

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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Starr’s Premier policy stood out in our evaluation for its generous baggage insurance of $2,500 per person. It also provides $500 per person for baggage delays after a 12-hour delay.

The Premier policy also has excellent medical evacuation benefits of $500,000 per person. This policy has solid travel medical coverage of $250,000 per person, though some competitors offer higher limits of $500,000. Coverage of pre-existing medical conditions is available when you buy this policy within 14 days of your initial trip deposit—shorter than the 20-day window offered by many other top providers.

Other notable features include good travel delay benefits of $1,500 and a short travel delay waiting period of just six hours. Baggage insurance coverage of $2,500 is also decent. You can opt to buy a “cancel for any reason” upgrade, reimbursing 75% of non-refundable costs.

The Premier policy falls short on missed connection benefits, providing only $750 per person compared to $1,000 or more offered by some competitors. And it does not include non-medical evacuation coverage.

Starr Premier’s average cost is the second-highest among the 10 top-rated policies in our rankings.

More: Starr Travel Insurance Review

Here’s a look at whether top coverage types are included in Starr’s Premier policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$500,000 per person
Non-medical evacuation	None
Cancel for work reasons	No coverage
Trip interruption	150% of the trip cost
Travel delay	$1,500 per person $250 daily limit Covered after 6-hour delay
Baggage delay	$500 per person $200 daily limit Covered after 12-hour delay
Baggage & personal items	$2,500 per person $250 per item $1,000 specific items limit
Missed connection	$750 per person Covered after 3-hour delay Cruise and tour only
Hurricane & weather	Covered after a common carrier delay of 24 hours
Employment layoff	Yes
Accidental death & dismemberment	$50,000

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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Generali’s Premium policy stood out in our analysis for its generous window for getting pre-existing medical condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making a first trip deposit. We also like that it has the second-lowest average cost among the 10 top-rated policies we evaluated.

The policy includes good travel medical coverage of $250,000 per person, though some competitors offer higher limits of $500,000. Additionally, the policy provides superior medical evacuation benefits of $1 million per person.

Generali’s Premium policy includes excellent trip interruption insurance of 175% of trip costs, compared to most competitors’ 150%. You also get great missed connection coverage of $1,000 per person after only a three-hour delay. The policy has a short six-hour waiting period for travel delay coverage and $500 per person for baggage delays after 12 hours.

The policy further features excellent sporting equipment protection of $2,000 and $500 for sporting equipment delays per person. Baggage insurance is robust at $2,000 per person.

However, the policy has some drawbacks. The “cancel for any reason” (CFAR) reimbursement is relatively low at 60%, compared to 75% from many competitors. Other limitations include the lack of “interruption for any reason” benefits.

More: Generali Global Assistance Travel Insurance Review

Here’s a look at whether top coverage types are included in Generali’s Premium policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person Secondary coverage
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	No coverage
Cancel for work reasons	No coverage
Trip interruption	175% of the trip cost
Travel delay	$1,000 per person $300 daily limit Covered after 6-hour delay
Baggage delay	$500 per person Covered after 12-hour delay
Baggage & personal items	$2,000 per person
Missed connection	$1,000 per person Covered after 3-hour delay Cruise and tour only
Hurricane & weather	Covered after a common carrier delay for any length of time
Employment layoff	Covered after 14-day wait if employed for 1 continuous year
Accidental death & dismemberment	$50,000 per person $100,000 policy limit

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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HTH Worldwide’s TripProtector Preferred policy is worth a look if you’re worried about disruptions once your trip has started. The policy has superior trip interruption benefits of 200% of the trip cost—most competitors provide 150%. Travel delay benefits are outstanding at $2,000 per person, with a short six-hour waiting period. Missed connection coverage is strong at $1,000 per person after a short three-hour delay.

We also like TripProtector Preferred’s hurricane and weather coverage, which kicks in after only a six-hour delay compared to some competitors’ 24 hours.

This policy also features superior primary travel medical insurance coverage of $500,000 per person, and a pre-existing medical condition exclusion waiver is available. The policy also provides exceptional medical evacuation benefits of $1 million per person.

Additional benefits include an optional “cancel for any reason” (CFAR) upgrade that offers 75% reimbursement if you cancel for a reason not listed in the base policy.

However, the TripProtector Preferred policy does have drawbacks. Its average cost was the third most expensive among the top 10 policies in our rankings. In addition, the policy does not include non-medical evacuation coverage or “interruption for any reason” coverage.

Our survey of HTH travel insurance customers found that 94% were satisfied with customer service, which is above average (88%) for the companies in our analysis. Overall, 91% of HTH customers who made claims were satisfied with the claims process, which is above the average (86%). Most HTH (88%) customers are likely to recommend the company, which is about average (87%).

More: HTH Worldwide Travel Insurance Review

Here’s a look at whether top coverage types are included in HTH Worldwide’s TripProtector Preferred policy.

Coverage type	Coverage limit
Emergency medical	$500,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	No coverage
Cancel for work reasons	No coverage
Trip interruption	200% of the trip cost
Travel delay	$2,000 per person $200 daily limit Covered after 6-hour delay
Baggage delay	$400 per person Covered after 12-hour delay
Baggage & personal items	$2,000 per person $500 per item $1,000 specific items limit
Missed connection	$1,000 per person Covered after 3-hour delay Cruise and tour only
Hurricane & weather	Covered after a common carrier delay of 6 hours
Employment layoff	Covered if employed for 1 continuous year
Accidental death & dismemberment	$50,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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One reason to like PrimeCover’s Luxe policy is its superior medical evacuation coverage of up to $1 million per person. The Luxe policy also has a “hospital of choice” feature, allowing you to be transported to your preferred treatment facility after initial care at the nearest adequate medical center. Non-medical evacuation benefits of $100,000 per person are also included.

The policy also excels in trip interruption coverage, reimbursing up to 200% of the trip cost, surpassing the 150% offered by many competitors.

Travel delay benefits are excellent, with $3,000 per person for travel delays after just a six-hour wait and $600 per person for baggage delays with a short eight-hour wait. You also get great baggage insurance of $3,000 per person. Missed connections are covered up to $1,500. Other perks include coverage for golf fees ($500), ski/snowboard pass fees ($150) sports equipment rental ($1,000) and disruptions like closed attractions or flight diversions ($100 each).

You can buy a “cancel for any reason” (CFAR) upgrade with 75% reimbursement. The policy offers a generous 21-day window from the trip deposit date to purchase CFAR—better than the 14-day window offered by many competitors.

And it all comes at a good price: The Luxe policy’s average cost ranks fifth lowest among the top 10 policies in our rankings.

Our survey of PrimeCover travel insurance customers found that 77% were satisfied with customer service, which is below average (88%) for the companies in our analysis. Overall, 91% of PrimeCover customers who made claims were satisfied with the claims process, which is above the average (86%). Most PrimeCover customers (80%) say they are likely to recommend the company, which is below average (87%).

More: PrimeCover Travel Insurance Review

Here’s a look at whether top coverage types are included in the PrimeCover Luxe policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	$100, 000 per person
Cancel for work reasons	Not included
Trip interruption	200% of the trip cost
Travel delay	$3,000 per person $250 daily limit Covered after 6-hour delay
Baggage delay	$600 per person Covered after 8-hour delay
Baggage & personal items	$3,000 per person $500 per item $1,000 specific items limit
Missed connection	$1,500 per person Covered after 3-hour delay
Hurricane & weather	Covered after a common carrier delay of 12 hours
Employment layoff	Covered if employed for one continuous year
Accidental death & dismemberment	$50,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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Travelex’s Ultimate policy stood out in our analysis thanks to its impressive array of add-on options. It provides travel medical coverage of $250,000 per person in the base policy, with an optional upgrade to boost this to $500,000. Adventure travelers can buy add-on benefits for activities usually excluded from coverage. Adventurers will also appreciate the $100,000 in security evacuation and $10,000 in search and rescue benefits.

A pet care upgrade is also available, providing $250 for boarding fees if your return is delayed and $2,500 for vet expenses if your dog or cat becomes sick or injured during the trip. Other add-on options include a rental property security deposit upgrade that reimburses up to $2,000 for damage leading to loss of the deposit. The Ultimate policy also offers a “cancel for business reasons” upgrade if you have to cancel due to work.

The policy includes $2,000 in baggage insurance per person and you can choose to increase these limits by $3,000 to $5,000. If you opt for that, the upgrade also adds coverage for sporting equipment rental ($2,000), sporting equipment delay ($1,500) and electronic or business equipment ($2,000).

Travelex’s Ultimate policy also excels in medical evacuation benefits, offering up to $1 million per person and including a “hospital of choice” feature that allows you to select a preferred treatment facility after initial care.

Travel delay benefits are robust at $2,000 per person after just a five-hour waiting period and baggage delay coverage provides $500. You can buy “cancel for any reason” travel insurance, with 75% reimbursement.

The Ultimate’s average cost ranks as the third-cheapest among the top 10 policies in our rankings.

Our survey of Travelex travel insurance customers found that 90% were satisfied with customer service, which is close to average (88%) for the companies in our analysis. Overall, 88% of Travelex customers who made claims were satisfied with the claims process, which is also about average (86%). Most Travelex (88%) customers are likely to recommend the company, which is about average (87%).

More: Travelex Travel Insurance Review

Here’s a look at whether top coverage types are included in Travelex’s Ultimate policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	Available with upgrade
Cancel for work reasons	Covered
Trip interruption	150% of the trip cost
Travel delay	$2,000 per person $200 daily limit Covered after 5-hour delay
Baggage delay	$500 per person Covered after 12-hour delay
Baggage & personal items	$2,000 per person $500 first item limit
Missed connection	$750 per person Covered after 3-hour delay
Hurricane & weather	Covered after a common carrier delay for any length of time
Employment layoff	Covered if employed for 1 continuous year
Accidental death & dismemberment	$25,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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We’re impressed by the Safe Travels Voyager plan’s travel delay benefits of $3,000, which are among the highest of the 69 plans we researched. If you plan to rent a car during your trip, it has great rental car coverage of $35,000. We also like that the policy offers a decent choice of upgrades and short waiting periods for delays.

The policy’s travel medical coverage of $250,000 per person is solid, and you can increase that limit to $500,000 if you buy the upgrade. Medical evacuation benefits of $1 million per person are superior.

The Safe Travels Voyager plan has great travel delay benefits of $3,000 per person after a short six-hour waiting period. For added convenience, trip delay coverage can be hiked to $4,000 or $7,000. Baggage delay coverage is also excellent at $600 per person with an eight-hour wait, while baggage insurance provides $2,500 in benefits.

This policy offers a “cancel for any reason” (CFAR) upgrade with 75% reimbursement and provides a generous 21-day window from the trip deposit date to purchase CFAR, more than the 14-day window many competitors offer. You can also add an “interruption for any reason” upgrade.

The average cost of the Safe Travels Voyager policy is the fifth highest among the top 10 policies in our rankings.

Our survey of Trawick travel insurance customers found that 93% were satisfied with customer service, which is above average (88%) for the companies in our analysis. Overall, 86% of Trawick customers who made claims were satisfied with the claims process, which is average (86%). Most Trawick (88%) customers are likely to recommend the company, which is about average (87%).

More: Trawick Travel Insurance Review

Here’s a look at whether top coverage types are included in the Trawick’s Safe Travels Voyager policy.

Coverage type	Coverage limit
Emergency medical	$250,000 per person
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	None
Cancel for work reasons	Covered
Trip interruption	150% of the trip cost
Travel delay	$3,000 per person $250 daily limit Covered after 6-hour delay
Baggage delay	$600 per person Covered after 8-hour delay
Baggage & personal items	$2,500 per person $300 per item
Missed connection	$1,000 per person Covered after 3-hour delay
Hurricane & weather	Covered after a common carrier delay for any length of time
Employment layoff	Covered if employed for 1 continuous year
Accidental death & dismemberment	$25,000 per person

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

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