Reviews Report
- Independent 2025 buyer guides frequently recommend carriers such as Allianz Global Assistance, AIG Travel Guard, Travelex, Nationwide, AXA Assistance USA, Generali, Seven Corners, Trawick International, IMG, Berkshire Hathaway Travel Protection, World Nomads, and Faye (see Forbes Advisor, U.S. News, NerdWallet).
- The best travel insurance companies combine broad core benefits (trip cancellation/interruption, emergency medical and evacuation, delay/missed connection, baggage) with strong assistance services and easy digital claims.
- For most international trips, aim for around $100,000 in emergency medical coverage and robust medical evacuation limits, plus trip cancellation/interruption; optional Cancel For Any Reason (CFAR) can reimburse 50%–75% for non‑covered reasons and typically raises premiums (cost benchmarks; U.S. State Department).
Travel insurance is a practical way to protect the investment in your vacation or trip abroad. Comprehensive plans can cover covered trip cancellation, medical evacuation, emergency medical care, lost or delayed baggage, travel delays, and more. In 2025, COVID-19 is generally treated like other illnesses on comprehensive plans — cancellation for a positive test before departure, interruption/medical care if you get sick mid‑trip, and some quarantine expenses may be covered — while government travel restrictions and fear of travel typically are not (CDC; Allianz Epidemic Coverage Endorsement; Squaremouth: COVID‑19 coverage).
In making our selections for the best travel insurance companies of 2025 we analyzed each company’s travel insurance offerings using a number of criteria like medical coverage limits, available add-on coverage options, and the number of plans to choose from, and cross‑checked current independent rankings and marketplace guidance (e.g., Forbes Advisor, U.S. News, NerdWallet).
The 6 Best Travel Insurance Companies of 2025
- IMG: Best Overall Travel Insurance
- John Hancock: Best for Solo Travelers
- Allianz Global: Best Travel Insurance for Tailored Plans
- AXA: Best for Premier Travel Insurance Plans
- World Nomads Travel Insurance: Best Travel Insurance for Adventure Sports
- APRIL International: Best Travel Insurance for Group Travel
Compare the Best Travel Insurance Companies
| Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | Medical Coverage | Trip Length | ||
|---|---|---|---|---|---|
| Pin IMG Travel | 4.75 | Not Rated | $100K–$250K | 180 days | |
| Pin John Hancock | 4.2 | A+ | $50K–$250K | 90 days | |
| Pin Allianz Global | 3.4 | A+ | $25K–$50K | 180 days | |
| Pin AXA | 4 | A+ | $25K–$250K | 60 days | |
| Pin World Nomads | 2.75 | Not Rated | $100K | 60 days | |
| Pin APRIL International | 4.25 | Not Rated | $50K–$250K | 60–90 days |
Information accurate as of 2025
Best Overall Travel Insurance
Why we chose it
Why we chose it
Pros
- Plans specifically for seniors available
- Additional add-on coverage available
- High medical coverage
Cons
- Number of plans is limited
- Lengthy wait to initiate claim for lost luggage
Coverage
- Trip cancellation: $50K
- Trip interruption: 150% cost of trip
- Medical coverage: $500K
- Medical evacuation: $1M
- Sports/recreation: $500K
- Travel delay: $500 (Max $125/day)
Plans
- iTravelInsured Travel Lite
- iTravelInsured SE
- iTravelInsured LX
- Senior plan
Why we chose it
Pros
Cons
Why we chose it
Pros
Cons
Best for Premier Travel Insurance Plans
Why we chose it
Why we chose it
Pros
- Very comprehensive top tier coverage
- Broad adventure travel coverage
- No deductible
Cons
- Limited coverage for lower tier plans
- Extensive exclusions for lost/damaged personal property
Coverage
- Trip cancellation: Up to 100% of trip cost
- Trip interruption: Up to 150% of trip cost
- Trip delay: Up to $300/day; $1,250 max
- Medical coverage: Up to $250K
- Medical evacuation: Up to $1M
- Baggage delay: Up to $750 max
- Lost baggage: Up to $3K
Plans
- Silver Plan: Basic plan
- Gold Plan: Better value
- Platinum Plan: Premier coverage
- Adventure Product
Best for Adventure Sports Coverage
Why we chose it
Why we chose it
Pros
- Adventure sports coverage
- Language apps for iPhones
- COVID-19 coverage
Cons
- No pre-existing med coverage
- Restricted civil unrest coverage
- Less extensive med coverage
Coverage
- Emergency dental: $750
- Trip cancellation: $2,500 / $10K
- Trip interruption: $2,500 / $10K
- Medical evacuation: $300K / $500K
- Lost, damaged, stolen gear: $1K/$3K
Plans
- Standard Plan
- Explorer (Enhanced) Plan
Best Travel Insurance for Groups
Why we chose it
Why we chose it
Pros
- High coverage for trip delay
- Group travel policies available
- Cancel for any reason available
Cons
- Low trip cost coverage
- Sports equipment coverage not automatic
Add-ons and Coverage
- Trip cancellation: 100% of cost
- Cancel for any reason: 75% of cost (only for Pandemic Plus plan)
- Trip interruption: 150%–175% of cost
- Medical evacuation: $500K (only for Pandemic Plus plan)
- Lost baggage: Up to $2,500
Plan
- APRIL Pandemic Plus
- APRIL Trip Cancellation
- APRIL Choice with Pre-Ex Waiver
- APRIL VIP
- APRIL Cruise
Travel Insurance: What You Need to Know
What to expect in 2025: comprehensive policies generally cost about 4%–10% of your total trip cost, and public health and consular guidance recommends confirming overseas medical and medical evacuation coverage; frequent travelers may benefit from annual multi‑trip plans (Squaremouth; CDC; U.S. State Department).
Travel insurance is an optional protection that most travelers should consider. Travel insurance helps people recover losses if travel plans are disrupted. This can include full recovery of prepaid, nonrefundable expenses for covered trip cancellations as well as coverage for expenses incurred on a trip during problems such as a medical emergency, required medical evacuation, delays/missed connections, or lost items.
A number of credit card companies provide some automatic travel insurance but coverage is limited and often doesn’t include comprehensive travel medical benefits. Triggers and limits also vary by card. Review your card’s Guide to Benefits and coordinate with common carrier obligations and refund policies; consider standalone insurance if you need higher caps, primary medical, or time‑sensitive benefits (Visa Infinite overview; Amex Trip Cancellation & Interruption).
Purchasing travel insurance works much like buying other common coverage, such as home or auto insurance. The first step is to understand and list all anticipated travel costs and potential risks, then contact several companies (or use a marketplace) to obtain quotes to compare. Buy soon after your first trip payment to qualify for time‑sensitive protections like pre‑existing condition waivers and optional CFAR/IFAR, which often require purchase within 10–21 days (NAIC consumer guidance; IFAR overview).
What Travel Insurance Covers
How to Choose the Best Travel Insurance Company
Prior to buying travel insurance, it is important to determine the travel coverage you may already have from other sources such as your credit cards, existing health insurance (which may not cover care overseas), or homeowners insurance. Also, have your total prepaid and anticipated trip costs calculated and handy.
Here are some tips on selecting the best travel insurance company policy for your needs:
- Review any home insurance, umbrella insurance, health insurance, credit card coverage, and common carrier refund obligations that may already apply to traveling. For example, many U.S. health plans (including Medicare) don’t cover care abroad, premium cards may include limited protections, and airlines owe automatic refunds for cancellations/significant changes under a 2024 U.S. DOT rule (State Department: Your Health Abroad; DOT refunds rule).
- Understand the factors that will guide you in selecting the best policy for you — length of trip, destination risk, your age and health condition, and anticipated involvement in high‑risk sports or other activities. For international trips, many guides suggest around $100,000 in emergency medical coverage and robust medical evacuation limits; verify whether medical is primary or secondary (CDC: Travel Insurance).
- Compare the detailed features and prices of several plans — try to find the cheapest travel insurance company plan that will also cover everything you need. Get quotes from at least three to four providers and review cancellation/interruption percentages, delay/missed‑connection caps, baggage limits, and exclusions.
- Understand the deductible options and time‑sensitive benefits that are available. Buying within 10–21 days of your first trip payment can unlock pre‑existing condition waivers and optional CFAR/IFAR add‑ons in many states (NAIC).
- Read the fine print and don’t be afraid to ask questions of the insurance company when plans are confusing or you would like a modification to the plan offered. Confirm epidemic/pandemic language and documentation requirements; government travel restrictions and fear of travel are generally not covered (example endorsement).
Finally, once you have purchased a policy and before departing on your trip, make sure you understand the process for filing a claim and seeking emergency assistance should the need arise. Save your 24/7 assistance hotline and policy number in your phone so you can get help quickly during a disruption.
In 2025, many comprehensive policies cover COVID‑19 like other illnesses (cancellation for a positive test before departure; interruption/medical care if you get sick mid‑trip; quarantine often covered under Trip Delay), while government restrictions and fear of travel remain excluded; consider CFAR for maximum flexibility and buy early to qualify for time‑sensitive benefits (Squaremouth: COVID‑19; epidemic endorsement; CDC).
Travel Insurance FAQ
Methodology
We evaluated travel insurance providers based on coverage, number of plans, optional coverage, medical and evacuation coverage limits, digital claims/service, and AM Best ratings to determine Reviews.com scores and create our best travel insurance provider reviews. We also cross‑referenced current, independent roundups and marketplace guidance (Forbes Advisor; U.S. News; NerdWallet). To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:
- Essential Coverage: When comparing travel insurance providers, we considered essential coverage to be 24/7 assistance, trip cancellation/interruption, medical evacuation and emergency medical, plus delay/missed connection and baggage. Providers with more points of essential coverage scored higher.
- Number of Plans: Flexibility and having options is important which is why Reviews.com awarded travel insurance providers with higher scores if they presented more plans (including annual/multi‑trip options) and clear upgrade paths (e.g., CFAR/IFAR).
- Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric — higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies. Examples include hazardous sports, cruise‑specific benefits, rental car CDW, and political/security evacuation.
- Medical Coverage Limit: We compared the medical and evacuation coverage limits of the best travel insurance companies and awarded providers with higher scores if they had higher limits aligned with current guidance for international trips (e.g., aiming around $100,000 medical with robust evacuation limits).
- AM Best: Reviews.com utilized AM Best ratings to assign a score based on each travel insurance underwriter’s financial stability (AM Best guide).
