Top 6 Cheapest Travel Insurance Companies Of 2025

The Atlas Journey Escape plan stood out in our evaluation because you get great benefits at the lowest average cost ($173) of the 72 plans we evaluated. Notably, the Escape plan provides $250,000 in medical evacuation benefits and $750 in baggage insurance. We also like that travel delay insurance kicks in after a six-hour waiting period, half the time of many competitors.

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 evaluation.

The Escape plan is worth considering if price is paramount and medical expense coverage of $50,000 is sufficient for you—some top picks provide $100,000.

Another option from WorldTrips is the Atlas Journey Explore plan. It earned 4.5 stars in our cheap travel insurance rating and costs an average of $234. That’s about $60 more than the Escape policy, but it has higher coverage limits, optional cancellation upgrades and add-on coverage for pets, adventures sports and more.

More: WorldTrips Travel Insurance Review

Budget travel insurance policies have much lower limits than more comprehensive policies, so you might want to see how more robust plans compare in cost and benefits. Here’s an overview of coverage types included in the Atlas Journey Escape, Explore and Elevate policies.

Benefit	Escape plan	Explore plan	Elevate plan
Trip cancellation	100% of trip cost up to $10,000	100% of trip cost up to $50,000	100% of trip cost up to $100,000
Trip interruption	125% of trip cost	150% of trip cost	150% of trip cost
Emergency medical	$50,000	$150,000	$250,000 (primary)
Emergency evacuation	$250,000	$750,000	$1 million (hospital of your choice)
Travel delay	$500; 6-hour wait time	$2,000; 5-hour wait time	$2,000; 5-hour wait time
Baggage loss	$750	$1,500	$2,500
Baggage delay; 12-hour wait time	$200	$300	$600
Missed connection; 3-hour wait time	$500	$1,000	$1,500
“Cancel for any reason” Upgrade Offered	None	50% or 75%	50% or 75%
“Interruption for any reason” Upgrade offered	No	No	Yes
Preexisting medical condition exclusion waiver	Available	Available	Available
Average price based on five sample trips	$173	$234	$258

See MoreSee Less

Trawick’s Safe Travels Protect plan has the second-lowest average rate ($202) of the 72 policies we researched. We like that bankruptcy of your travel supplier is covered under trip cancellation and trip interruption, a benefit not found in most top-rated policies.

Medical evacuation coverage of $250,000 is impressive, but the travel medical expense limit of $25,000 is the lowest of the top-scoring plans. Travel and baggage delay benefits have long required waiting periods (12 hours and 24 hours, respectively) compared to many competitors with half the time.

But 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 evaluation. The Safe Travels Protect Plan is a good fit for those who value price and baggage delay and cancellation benefits over high medical expense limits.

Another option from Trawick is the Safe Travels Defend plan. It earned 4.4 stars in our cheap travel insurance rating and costs an average of $251. That’s about $50 more than the Protect policy, but it has higher coverage limits. The Journey and Voyager plans have higher limits, shorter waiting periods, cover preexisting medical conditions if you qualify and have optional cancellation upgrades.

More: Trawick International Travel Insurance Review

Budget travel insurance policies have much lower limits than more comprehensive policies, so you might want to see how more robust plans compare in cost and benefits. Here’s an overview of coverage types included in the Trawick Safe Travels Protect, Journey and Voyager policies.

Benefit	Protect	Defend	Journey	Voyager
Trip cancellation reimbursement percentage of insured trip cost	100%	100%	100%	100%
Trip Interruption reimbursement of insured trip cost	100%	100%	125%	150%
Medical expenses per person	$25,000	$50,000	$150,000	$250,000
Emergency medical evacuation per person	$250,000	$350,000	$500,000	$1 million
Trip Delay	$300 Daily; 12-hour waiting period	$600; 12-hour waiting period	$2,000; six-hour waiting period	$3,000; six-hour waiting period
Missed Connection	$250; 12-hour waiting period	$300; 12-hour waiting period	$750; three-hour waiting period	$1,000; three-hour waiting period
Baggage & Personal Effects	$500	Per Article Limit: $100 Combined Article Limit: 50% of Baggage & Personal Effects Benefit	$2,000	$2,500
Baggage Delay	$200; 24- hour delay	$200; 12- hour delay	$400; 12-hour delay	$600; 8-hour delay
“Cancel for any reason” upgrade offered	No	No	Yes; 50%	Yes; 75%
Average price based on five sample trips	$202	$251	$411	$445

See MoreSee Less

We picked the Scout plan from Battleface because it has the third-lowest average cost ($204) of the companies we assessed. We’re also impressed by its excellent coverage limits across the board, compared to competitors.

Notably, it provides $300,000 in medical evacuation insurance and $500 for baggage delays, which are the highest of the policies we evaluated. It also has high limits of $1,000 for travel delay and baggage insurance.

The Scout plan is the only top-rated policy that offers add-ons for “cancel for any reason” coverage and pet-related benefits. It also covers some adventure activities, such as mountain climbing and scuba diving, under certain conditions.

The Scout policy is a great choice if you want high coverage limits at a great price or are traveling with your pet.

More: Battleface Travel Insurance Review

Budget travel insurance policies have much lower limits than more comprehensive policies, so you might want to see how more robust plans compare in cost and benefits. You can customize your Single Trip Discovery plan, but here are key benefits of the standard offering, along with those for the Scout plan.

Benefit	Scout policy	Single Trip Discovery policy
Trip cancellation	100% of insured trip cost	100% of insured trip cost
Trip interruption	125% of insured trip cost	150% of insured trip cost
Travel delay	$150/day (up to $1,000) with six-hour waiting period	$200/day (up to $2,500) with six-hour waiting period
Travel medical expenses per person	$100,000	$100,000
Medical evacuation per person	$300,000	$500,000
Baggage and personal effects	$1,000	$2,500
Baggage delay	$500 with 24-hour wait	$100/day (up to $500), with 24-hour wait
Missed connection	Not included	$1,000
“Cancel for any reason”	Covers 75% of insured trip cost	Covers 75% of insured trip costs
Single occupancy (if your travel partner cancels)	Up to 100% of trip cost	Up to 100% of trip cost
Preexisting medical condition exclusion waiver available	Yes (if policy purchased within seven days of first trip deposit)	Yes (if policy is purchased within 15 days of first trip payment)
Rental car coverage available?	Yes	Yes
Average price based on five trips	$204	$323

See MoreSee Less

Generali’s Standard plan has superior baggage insurance coverage of $1,000 and the fourth-lowest average cost ($223) of the 72 plans we reviewed.

This policy also has excellent coverage of $1,000 for travel delays and great coverage of $200 for baggage delays, compared to the top-rated plans. Medical evacuation insurance of $250,000 is also impressive, but $50,000 in travel medical expenses is on the low side compared to some other winners.

The Standard plan is a good choice for those who aren’t worried about long waiting periods for delay benefits and want adequate pre- and post-departure benefits at a budget price.

More: Generali Global Assistance Travel Insurance Review

Budget travel insurance policies have much lower limits than more comprehensive policies, so you might want to see how more robust plans compare in cost and benefits. Here’s an overview of coverage types included in the Generali Global Assistance Standard, Preferred and Premium plans.

Coverage	Premium	Preferred	Standard
Trip cancellation with 100% reimbursement of trip cost	Yes	Yes	Yes
Emergency medical expenses, per person	$250,000	$150,000	$50,000
Emergency medical evacuation, per person	$1 million	$500,000	$250,000
Trip interruption, % of trip cost	175%	150%	125%
Travel delay, daily per person (up to $1,000 limit per person)/wait time	$300/six hours	$200/eight hours	$150/10 hours
Lost, stolen baggage per person	$2,000	$1,500	$1,000
Baggage delay, per person/wait-time	$500/12 hours	$300/18 hours	$200/24 hours
Sporting equipment, per person total/daily limit/wait-time	$2,000/$500/12 hours	$1,500/$300/18 hours	No
Preexisting medical condition waiver	Yes	No	No
“Cancel for any reason” coverage	60% reimbursement	No	No
Average cost, based on five sample trips	$309	$261	$223

See MoreSee Less

The Base plan from PrimeCover has the fifth-lowest average cost ($231) and the highest travel delay benefits ($2,000) of the 72 policies we analyzed. We also like its excellent medical evacuation benefits of $250,000 and medical expense coverage of $100,000. However, baggage delay and baggage insurance coverage is low compared to competitors.

The Base plan is worth considering if you want high medical and travel delay limits and don’t mind low baggage insurance limits.

Our survey of PrimeCover travel insurance customers found that 77% were satisfied with customer service, which was below average (88%) for the companies in our analysis. We also found that 91% of PrimeCover customers who made claims were satisfied with the claims process, which is above average (86%).

More: PrimeCover Travel Insurance Review

Budget travel insurance policies have much lower limits than more comprehensive policies, so you might want to see how more robust plans compare in cost and benefits. Here’s an overview of coverage types included in the PrimeCover Base, Plus and Luxe plans.

Benefits	PrimeCover Base	PrimeCover Plus	PrimeCover Luxe
Trip cancellation	100% of insured trip cost	100% of insured trip cost	100% of insured trip cost
Airline reissue/Change fees	$100	$200	$300
Reinstate frequent traveler awards	$200	$250	$300
Trip interruption	100% of trip Cost	150% of trip Cost	200% of trip Cost
Emergency medical	$100,000 (Secondary)	$150,000 (Primary)	$250,000 (Primary)
Emergency dental	$750	$750	$1,000
Preexisting medical condition exclusion coverage	N/A	Yes	Yes
Medical evacuation	$250,000	$500,000	$1 million
Hospital of choice	N/A	N/A	Included
Ancillary evacuation	Return of dependent/visit to bedside	Hospital companion $5,000/Return of dependent/Visit to bedside	Hospital companion $10,000/Return of dependent/Visit to bedside
Non-medical  evacuation	N/A	$10,000	$100,000
Travel delay	$2,000; $100/day after 12 hour delay	$2,000; $200/day after 6 hour delay	$3,000; $250/day after 6 hour delay
Baggage delay	$150; after 12 hour delay	$500; after 12 hour delay	$600; after 8 hour delay
Baggage and personal items	$500	$2,000	$3,000
Missed connection	$500 after 3 hour delay	$1,000 after 3 hour delay	$1,500 after 3 hour delay
Optional rental car damage	N/A	$35,000	$50,000
Optional “interruption for any reason”	N/A	N/A	60% reimbursement
Optional “cancel for any reason”	N/A	75% reimbursement	75% reimbursement
Average cost based on five trips	$231	$357	$409

See MoreSee Less

Nationwide’s Essential plan is the sixth-cheapest top-scoring policy (average cost of $248) of the 72 we analyzed. We like that it has superior trip interruption benefits. The policy provides 125% reimbursement for trip interruption claims, compared to 100% for many competitors.

It also has excellent medical evacuation coverage of $250,000 and decent travel medical limits ($75,000). The Essential plan is a good fit for those who value high limits for trip interruption and travel medical coverage and are okay with low baggage limits.

Our survey of Nationwide travel insurance customers found that 91% were satisfied with customer service, which was above average (88%) in our analysis. Among customers who filed claims, 85% reported the process was easy, which was about average (86%).

More: Nationwide Travel Insurance Review

Budget travel insurance policies have much lower limits than more comprehensive policies, so you might want to see how more robust plans compare in cost and benefits. Here’s an overview of coverage types included in the Nationwide’s Essential, Prime, Cruise Choice and Cruise Luxury plans.

Benefits	Cruise Luxury	Cruise Choice	Prime	Essential
Trip cancellation	100% of insured trip cost	100% of insured trip cost	100% of insured trip cost	100% of insured trip cost
Trip interruption	150% of insured trip cost	150% of insured trip cost	200% of insured trip cost	125% of insured trip cost
Emergency medical	$500,000	$100,000	$150,000	$75,000
Medical evacuation	$1 million	$500,000	$1 million	$250,000
Non-medical evacuation	$25,000	No	No	No
Travel delay	$1,000; after six hours	$1,000; after six hours	$2,000; after six hours	$150; after 12 hours
Baggage delay	$1,000; after six hours	$500; after six hours	$600; after 12 hours	$100; after 12 hours
Baggage and personal items	$2,500	$2,000	$2,000	$600
Missed connection	$2,500	$1,500	$500	None
Optional “cancel for any reason”	75% of the non-refundable insured trip cost	75% of the non-refundable insured trip cost	75% of the non-refundable insured trip cost	No
Optional “interruption for any reason”	$1,000	$500	No	No
Average cost based on five sample trips	$399	$334	$372	$248

See MoreSee Less