The 4 Best International Travel Insurance Companies
In order to choose the most suitable international travel insurance provider, consider the types of coverage and services that will make a difference to your overseas trip along with your peace of mind. Make sure the company has the basics down, including strong trip protection and emergency medical coverage. From there, it helps to look at what travel services the insurance provider offers you. Services like emergency cash transfer and interpretation assistance can be extremely valuable when you're away in another country. If you plan on being gone for a long period of time, choose a company that offers long-term international policies as well. Based on these criteria, the four companies listed below offered some of the best international travel insurance available.
Travelex offers competitive rates, a broad range of coverage, and customizable insurance plans for international travelers. Its plans can help you get reimbursed for unexpected incidents due to medical emergencies, cancelled flights, lost baggage, and more. With its plans, you can get 24/7 Travel Assistance and Concierge Service that can help you anywhere in the world if you should need immediate assistance. Policyholders can simply call the company's toll-free number for help during a medical emergency or if their valuables are lost or stolen to get assistance quickly. Its travel insurance plans can also help protect you against trip delays and cancellations — up to $1,000 for delays and missed connections, up to 100 percent of insured trip cost for trip cancellation, and up to 150 percent of insured trip cost for trip interruption. With a fast and simple online quote tool, Travelex makes it easy to find the international travel insurance coverage that is right for you.
TravelSafe Insurance offers not only some of the best travel insurance options around, but also some of the best coverage for international travelers you'll find. It offers 24-hour travel assistance services, including concierge services, wherever you go. Interpretation assistance is also available, which is very useful if you're traveling abroad and don't speak the language. In the event that your passport is lost or stolen either before or during your trip, TravelSafe Insurance helps cover the costs to replace it. It also helps you out if a missed connection makes you late for a tour or cruise. You get up to $2,500 worth of coverage, which is much higher than what most travel insurance companies give you in this situation. Finally, if you plan on leaving the country for a long period of time, you really can't beat TravelSafe Insurance because it covers trips up to three years in length.
Protect Your Bubble is another company vying for the title of best international travel insurance provider. Like TravelSafe Insurance, Protect Your Bubble offers 24-hour travel assistance services. These services include help with emergency cash transfers if your cash is lost or stolen while you're away and interpretation assistance. Missed connection coverage works a little differently with Protect Your Bubble than with some other travel insurance providers in the industry, but it could work in your favor. You get $1,000 of coverage for every person, and if you're traveling with a group of people, that could add up quickly. Protect Your Bubble doesn't insure trips longer than a year in length, but this shouldn't be an issue for most people.
In addition to its more traditional plans, HTH Travel Insurance offers two special medical-only plans for long-term international travelers. These plans cover any emergency medical treatments you need while you're traveling abroad since standard health insurance providers don't normally cover this. If you feel like you need more comprehensive coverage, though, it's better to opt for one of the company's trip-protection plans, which covers trip cancellation, interruption, and delays as well as baggage protection. The benefits of choosing HTH Travel Insurance don't end there, however. Its 24/7 worldwide travel services include interpretation assistance and help with emergency cash transfers, among other things. While not crucial to an international travel insurance policy, these services can give you a little extra peace of mind.