{"id":324823,"date":"2025-11-14T07:55:29","date_gmt":"2025-11-14T12:55:29","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=91156"},"modified":"2025-11-14T08:58:28","modified_gmt":"2025-11-14T13:58:28","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/travel\/best\/","title":{"rendered":"The Best Travel Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"report\" title=\"Reviews Report\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>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 <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.usnews.com\/insurance\/travel-insurance\/best-travel-insurance\">U.S. News<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).<\/li>\n\n\n\n<li>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.<\/li>\n\n\n\n<li>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%\u201375% for non\u2011covered reasons and typically raises premiums (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance\/how-much-does-travel-insurance-cost\">cost benchmarks<\/a>; <a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/travelers-checklist\/travel-insurance.html\">U.S. State Department<\/a>).<\/li>\n<\/ul>\n\n\n\n<p>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 \u2014 cancellation for a positive test before departure, interruption\/medical care if you get sick mid\u2011trip, and some quarantine expenses may be covered \u2014 while government travel restrictions and fear of travel typically are not (<a href=\"https:\/\/wwwnc.cdc.gov\/travel\/diseases\/covid19\">CDC<\/a>; <a href=\"https:\/\/www.allianztravelinsurance.com\/help\/understanding-your-plan\/epidemic-coverage-endorsement.htm\">Allianz Epidemic Coverage Endorsement<\/a>; <a href=\"https:\/\/www.squaremouth.com\/travel-insurance-coronavirus\">Squaremouth: COVID\u201119 coverage<\/a>).<\/p>\n\n\n\n<p>In making our selections for the best travel insurance companies of 2025 we analyzed each company\u2019s travel insurance offerings using a<a href=\"#Methodology\" class=\"achor-toggles\">  number of criteria<\/a> like medical coverage limits, available add-on coverage options, and the number of plans to choose from, and cross\u2011checked current independent rankings and marketplace guidance (e.g., <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.usnews.com\/insurance\/travel-insurance\/best-travel-insurance\">U.S. News<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"companies\" title=\"Best Travel Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 6 Best Travel Insurance Companies of 2025<\/h2>\n\n\n\n<ul>\n<li><a href=\"#img\" rel=\"nofollow\" class=\"achor-toggles\">IMG<\/a>: Best Overall Travel Insurance<\/li>\n\n\n\n<li><a href=\"#john\" rel=\"nofollow\" class=\"achor-toggles\">John Hancock<\/a>: Best for Solo Travelers<\/li>\n\n\n\n<li><a href=\"#allianz\" rel=\"nofollow\" class=\"achor-toggles\">Allianz Global<\/a>: Best Travel Insurance for Tailored Plans<\/li>\n\n\n\n<li><a href=\"#axa\" rel=\"nofollow\" class=\"achor-toggles\">AXA<\/a>: Best for Premier Travel Insurance Plans<\/li>\n\n\n\n<li><a href=\"#world\" rel=\"nofollow\" class=\"achor-toggles\">World Nomads Travel Insurance<\/a>: Best Travel Insurance for Adventure Sports<\/li>\n\n\n\n<li><a href=\"#april\" rel=\"nofollow\" class=\"achor-toggles\">APRIL International<\/a>: Best Travel Insurance for Group Travel<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_606cb64331052\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Travel Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tReviews.com Score\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tScore is based on company&#8217;s customer experience, financial stability, and coverage options.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tMedical Coverage\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tTrip Length\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_606cb64331052-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> IMG Travel<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 4.75<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not Rated<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $100K\u2013$250K<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>180 days<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_606cb64331052-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> John Hancock<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 4.2<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $50K\u2013$250K<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>90 days<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_606cb64331052-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allianz Global <\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 3.4<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$25K\u2013$50K<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>180 days<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_606cb64331052-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">AXA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>4<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$25K\u2013$250K<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>60 days<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_606cb64331052-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">World Nomads<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 2.75<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not Rated<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$100K<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>60 days<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_606cb64331052-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">APRIL International <\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>4.25<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not Rated<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$50K\u2013$250K<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>60\u201390 days<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of 2025<\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"img\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"img-travel\" title=\"Best Overall Travel Insurance\"><\/span>\n    \n\n                                                \n\n\n<section id=\"img\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">IMG<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall Travel Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                IMG Travel Insurance provides top-notch travel insurance plans for a variety of needs. Older travelers can benefit from senior-tailored plans and plenty of additional coverage add-ons for everyone to choose from.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26673783&#038;cr=28176&#038;last_updated=1598469118&#038;data1=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.75<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">NR<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$100K\u2013$500K<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Medical Coverage\n                                                    <span class=\"tooltip-content\">Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">180 days<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Trip Length\n                                                    <span class=\"tooltip-content\">This is the maximum number of days the travel insurance company will cover your trip.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                IMG Travel Insurance provides top-notch travel insurance plans for a variety of needs. Older travelers can benefit from senior-tailored plans and plenty of additional coverage add-ons for everyone to choose from.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Plans specifically for seniors available<\/li>\n                            <li>Additional add-on coverage available<\/li>\n                            <li>High medical coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Number of plans is limited<\/li>\n                                        <li>Lengthy wait to initiate claim for lost luggage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation: $50K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption: 150% cost of trip<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical coverage: $500K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: $1M<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports\/recreation: $500K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel delay: $500 (Max $125\/day)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Plans<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">iTravelInsured Travel Lite<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">iTravelInsured SE<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">iTravelInsured LX<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior plan<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"john\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"john-hancock\" title=\"Best for Solo Travelers\"><\/span>\n    \n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"allianz\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"allianz-global\" title=\"Best for Tailored Plans\"><\/span>\n    \n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"axa\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"axa\" title=\"Best for Premier Travel Insurance Plans\"><\/span>\n    \n\n                                                \n\n\n<section id=\"axa-travel-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">AXA Travel Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Premier Travel Insurance Plans<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                AXA\u2019s Assistance USA Gold Plan&#8217; is a very comprehensive travel insurance policy with strong traveler assistance and 24\/7 concierge services. The company is well known for excellent coverage for cancellations due to weather and destination accommodation failures. \r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.axatravelinsurance.com\/home\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$25K\u2013$250K<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Medical Coverage\n                                                    <span class=\"tooltip-content\">Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">60 days<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Trip Length\n                                                    <span class=\"tooltip-content\">This is the maximum number of days the travel insurance company will cover your trip.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                AXA\u2019s Assistance USA Gold Plan&#8217; is a very comprehensive travel insurance policy with strong traveler assistance and 24\/7 concierge services. The company is well known for excellent coverage for cancellations due to weather and destination accommodation failures. \r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Very comprehensive top tier coverage<\/li>\n                            <li>Broad adventure travel coverage <\/li>\n                            <li>No deductible <\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited coverage for lower tier plans<\/li>\n                                        <li>Extensive exclusions for lost\/damaged personal property<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation: Up to 100% of trip cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption: Up to 150% of trip cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip delay: Up to $300\/day; $1,250 max<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical coverage: Up to $250K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: Up to $1M\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage delay: Up to $750 max<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: Up to $3K<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Plans<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Silver Plan: Basic plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gold Plan: Better value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Platinum Plan: Premier coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adventure Product<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"world\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"world-nomads\" title=\"Best for Adventure Sports Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"world-nomads\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">World Nomads<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Adventure Sports Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Though known for its adventure sports coverage, World Nomads offers custom packages for all travelers. The company website is interactive and an excellent tool for trip planning.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.worldnomads.com\/?rvitemid=308060-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">2.75<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not Rated<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Up to $100K<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Medical Coverage\n                                                    <span class=\"tooltip-content\">Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">60 days<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Trip Length\n                                                    <span class=\"tooltip-content\">This is the maximum number of days the travel insurance company will cover your trip.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Though known for its adventure sports coverage, World Nomads offers custom packages for all travelers. The company website is interactive and an excellent tool for trip planning.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Adventure sports coverage<\/li>\n                            <li>Language apps for iPhones<\/li>\n                            <li>COVID-19 coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No pre-existing med coverage<\/li>\n                                        <li>Restricted civil unrest coverage<\/li>\n                                        <li>Less extensive med coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency dental: $750<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation: $2,500 \/ $10K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption: $2,500 \/ $10K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: $300K \/ $500K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost, damaged, stolen gear: $1K\/$3K<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Plans <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standard Plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explorer (Enhanced) Plan<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"april\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"april-international\" title=\"Best Travel Insurance for Groups\"><\/span>\n    \n\n                                                \n\n\n<section id=\"april-international\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">APRIL International<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Travel Insurance for Groups<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                APRIL International is the company on our list to offer a group travel policy. If you\u2019re traveling in a group of 10 or more as part of a program or event, it might be cheaper than purchasing ten individual policies.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/us.april-international.com\/en?rvitemid=314637-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.25<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not Rated<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$50K\u2013$250K<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Medical Coverage\n                                                    <span class=\"tooltip-content\">Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">60-90 days <\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Trip Length\n                                                    <span class=\"tooltip-content\">This is the maximum number of days the travel insurance company will cover your trip.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                APRIL International is the company on our list to offer a group travel policy. If you\u2019re traveling in a group of 10 or more as part of a program or event, it might be cheaper than purchasing ten individual policies.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High coverage for trip delay <\/li>\n                            <li>Group travel policies available<\/li>\n                            <li>Cancel for any reason available <\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Low trip cost coverage <\/li>\n                                        <li>Sports equipment coverage not automatic <\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-ons and Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation: 100% of cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel for any reason: 75% of cost (only for Pandemic Plus plan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption: 150%\u2013175% of cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: $500K (only for Pandemic Plus plan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: Up to $2,500<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Plan<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">APRIL Pandemic Plus<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">APRIL Trip Cancellation<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">APRIL Choice with Pre-Ex Waiver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">APRIL VIP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">APRIL Cruise<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"need-to-know\" title=\"What You Need To Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travel Insurance: What You Need to Know&nbsp;<\/h2>\n\n\n\n<p>What to expect in 2025: comprehensive policies generally cost about 4%\u201310% 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\u2011trip plans (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance\/how-much-does-travel-insurance-cost\">Squaremouth<\/a>; <a href=\"https:\/\/wwwnc.cdc.gov\/travel\/page\/insurance\">CDC<\/a>; <a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/travelers-checklist\/travel-insurance.html\">U.S. State Department<\/a>).<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>A number of credit card companies provide some automatic travel insurance but coverage is limited and often doesn\u2019t include comprehensive travel medical benefits. Triggers and limits also vary by card. Review your card\u2019s Guide to Benefits and coordinate with common carrier obligations and refund policies; consider standalone insurance if you need higher caps, primary medical, or time\u2011sensitive benefits (<a href=\"https:\/\/usa.visa.com\/pay-with-visa\/visa-infinite.html\">Visa Infinite overview<\/a>; <a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/insurance-coverage\/trip-cancellation-interruption\">Amex Trip Cancellation &amp; Interruption<\/a>).<\/p>\n\n\n\n<p>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\u2011sensitive protections like pre\u2011existing condition waivers and optional CFAR\/IFAR, which often require purchase within 10\u201321 days (<a href=\"https:\/\/content.naic.org\/consumer\/travel-insurance\">NAIC consumer guidance<\/a>; <a href=\"https:\/\/www.squaremouth.com\/travel-advice\/interruption-for-any-reason\">IFAR overview<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage\" title=\"What Travel Insurance Covers \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">What Travel Insurance Covers&nbsp;<\/h2>\n\n\n<div id=\"block_6917357684f39\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_606c7a4271dff\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Trip cancellation and interruption<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Trip cancellation coverage is important if you need to completely cancel a trip because of personal reasons, weather-related incidents, or other covered events. You should review the coverage to assure that protection also applies when a trip is cut short for one of these same reasons.<\/p>\n<p>This interruption coverage is designed to reimburse travelers for the unreimbursed costs incurred for the unused part of the trip. When searching for appropriate travel insurance policies, make sure to carefully forecast your costs for a trip Interruption or cancellation and ensure coverage limits are sufficient.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_606c7aaa71e00\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Delayed or lost baggage<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Delayed baggage coverage reimburses travelers for the cost of obtaining toiletries and other basic necessities when baggage is delayed during a trip. On the other hand, lost baggage covers personal items and bags that are completely list and cannot be recovered.\u00a0<\/span><span style=\"font-weight: 400;\">In addition to reimbursement for items lost, many policies provide lost baggage tracking assistance. Be certain to read the fine print as usually each of these coverages come with some pretty stringent conditions. Also, compare this coverage with coverage offered by your credit card providers, as this is one area where these coverages may overlap.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6917357684f3a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"choose\" title=\"How To Choose\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How to Choose the Best Travel Insurance Company<\/h2>\n\n\n\n<p>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.&nbsp;<\/p>\n\n\n\n<p>Here are some tips on selecting the best travel insurance company policy for your needs:<\/p>\n\n\n\n<ul>\n<li>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\u2019t 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 (<a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/your-health-abroad.html\">State Department: Your Health Abroad<\/a>; <a href=\"https:\/\/www.federalregister.gov\/documents\/2024\/06\/28\/2024-13974\/airline-ticket-refunds-and-consumer-protections\">DOT refunds rule<\/a>).<\/li>\n\n\n\n<li>Understand the factors that will guide you in selecting the best policy for you \u2014 length of trip, destination risk, your age and health condition, and anticipated involvement in high\u2011risk 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 (<a href=\"https:\/\/wwwnc.cdc.gov\/travel\/page\/insurance\">CDC: Travel Insurance<\/a>).<\/li>\n\n\n\n<li>Compare the detailed features and prices of several plans \u2014 try to find the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/travel\/best-cheap\/\">cheapest travel insurance company<\/a> plan that will also cover everything you need. Get quotes from at least three to four providers and review cancellation\/interruption percentages, delay\/missed\u2011connection caps, baggage limits, and exclusions.<\/li>\n\n\n\n<li>Understand the deductible options and time\u2011sensitive benefits that are available. Buying within 10\u201321 days of your first trip payment can unlock pre\u2011existing condition waivers and optional CFAR\/IFAR add\u2011ons in many states (<a href=\"https:\/\/content.naic.org\/consumer\/travel-insurance\">NAIC<\/a>).<\/li>\n\n\n\n<li>Read the fine print and don\u2019t 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 (<a href=\"https:\/\/www.allianztravelinsurance.com\/coverage-alerts\/epidemic-coverage-endorsement\">example endorsement<\/a>).<\/li>\n<\/ul>\n\n\n\n<p>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.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQ\"><\/span>\n    \n\n\n<p>In 2025, many comprehensive policies cover COVID\u201119 like other illnesses (cancellation for a positive test before departure; interruption\/medical care if you get sick mid\u2011trip; 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\u2011sensitive benefits (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance-coronavirus\">Squaremouth: COVID\u201119<\/a>; <a href=\"https:\/\/www.allianztravelinsurance.com\/help\/understanding-your-plan\/epidemic-coverage-endorsement.htm\">epidemic endorsement<\/a>; <a href=\"https:\/\/wwwnc.cdc.gov\/travel\/diseases\/covid19\">CDC<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Travel Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_606634ab815c2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you buy travel insurance after booking a flight or hotel?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes, you can purchase travel insurance after you book your trip. In fact, it can be desirable as you will better understand all costs at that point. Do not wait too long though and miss out on some features.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6066357c815c3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you be refused travel insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Unfortunately, yes. Travel insurance companies often take specific medical conditions into account and can refuse coverage if they determine the risk is too high. This is another good reason to explore various coverage options with different companies.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6066359a815c4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is travel insurance worth getting?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Spending <\/span><a href=\"https:\/\/www.iii.org\/press-release\/vacationers-concerned-about-extreme-weather-political-unrest-viruses-can-turn-to-travel-insurance-for-financial-and-personal-assistance-040516\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">5%\u20137% of the total cost of your trip<\/span><\/a><span style=\"font-weight: 400;\"> to assure that you are not forced to spend perhaps several hundred thousand dollars for a serious medical problem and related expenses is worth getting travel insurance.\u00a0<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"Methodology\">Methodology&nbsp;<\/h2>\n\n\n\n<p>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\u2011referenced current, independent roundups and marketplace guidance (<a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.usnews.com\/insurance\/travel-insurance\/best-travel-insurance\">U.S. News<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>). To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul>\n<li>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.&nbsp;<\/li>\n\n\n\n<li>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\u2011trip options) and clear upgrade paths (e.g., CFAR\/IFAR).&nbsp;<\/li>\n\n\n\n<li>Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric \u2014 higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies. Examples include hazardous sports, cruise\u2011specific benefits, rental car CDW, and political\/security evacuation.<\/li>\n\n\n\n<li>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).&nbsp;<\/li>\n\n\n\n<li>AM Best: Reviews.com utilized AM Best ratings to assign a score based on each travel insurance underwriter\u2019s financial stability (<a href=\"https:\/\/www.ambest.com\/ratings\/guide-to-bests-credit-ratings.html\">AM Best guide<\/a>).<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report 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 \u2014 cancellation for a positive [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":360564,"parent":1774,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1274],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Travel Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"The best travel insurance coverage varies across providers \u2014 some providers sell only medical, while others customize your plan around a few specific risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/travel\/best\/\" \/>\n<meta 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