{"id":324923,"date":"2025-11-12T15:13:44","date_gmt":"2025-11-12T20:13:44","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=93679"},"modified":"2025-11-14T08:58:44","modified_gmt":"2025-11-14T13:58:44","slug":"best-international","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/travel\/best-international\/","title":{"rendered":"The Best International Travel Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"best\" title=\"The Best International Travel Insurance Companies\"><\/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>Across leading editor reviews and marketplaces, the most consistently top\u2011rated international travel insurers include Allianz Global Assistance, AIG Travel Guard, Travelex, Seven Corners, Trawick International, WorldTrips (Tokio Marine HCC), IMG, AXA Assistance USA, Generali Global Assistance, and Berkshire Hathaway Travel Protection \u2014 a consensus reflected by <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>, and marketplace data such as <a href=\"https:\/\/www.squaremouth.com\/travel-insurance-providers\">Squaremouth<\/a>.<\/li>\n\n\n\n<li>For international trips, prioritize high emergency medical and evacuation limits (many top plans offer six\u2011figure medical benefits and high evacuation caps), pre\u2011existing condition waivers when buying within roughly 14\u201321 days of your first deposit, and optional Cancel For Any Reason (CFAR) if you want the flexibility to cancel for non\u2011listed reasons (<a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).<\/li>\n\n\n\n<li>Claim refunds you\u2019re owed before turning to insurance: in 2025, the U.S. Department of Transportation requires airlines to automatically refund canceled or significantly changed flights and services not provided; use insurance for nonrefundable land costs and secondary expenses (<a href=\"https:\/\/www.transportation.gov\/airconsumer\/airline-refunds\">U.S. DOT<\/a>). Avoid duplicate coverage from homeowners\/renters policies (personal belongings) and credit cards (rental car damage waivers) when selecting add\u2011ons.<\/li>\n<\/ul>\n\n\n\n<p>Booking an international trip is an investment. With <a href=\"https:\/\/www.reviews.com\/insurance\/travel\/best\/\">travel insurance<\/a>, you can protect prepaid, nonrefundable costs and access emergency medical and assistance abroad. Typical comprehensive policies cost about 5%\u201310% of your insured trip cost, with higher medical\/evacuation limits and CFAR increasing the premium (<a href=\"https:\/\/www.squaremouth.com\">Squaremouth<\/a>). If you get sick before departure for a covered reason, trip cancellation can reimburse your costs; for airline cancellations or significant schedule changes, airlines must issue automatic refunds under 2025 DOT rules (<a href=\"https:\/\/www.transportation.gov\/airconsumer\/airline-refunds\">U.S. DOT<\/a>).<\/p>\n\n\n\n<p>International travel insurance should include trip cancellation\/interruption, <a href=\"https:\/\/www.reviews.com\/insurance\/travel\/best-medical\/\">emergency medical needs<\/a> and evacuation, travel delay or missed connection, and baggage protection. Look for explicit epidemic language now common with leading carriers (for example, Allianz\u2019s <a href=\"https:\/\/www.allianztravelinsurance.com\">Epidemic Coverage Endorsement<\/a>), and consider supplier financial default protection for airlines\/cruise\/tour operators purchased soon after your initial trip payment (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance-benefits\/financial-default\">Squaremouth<\/a>). Tech-enabled features like app\u2011based claims, telemedicine\/virtual care, and even parametric flight\u2011delay payouts are increasingly available and can materially speed assistance and reimbursement (<a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-industry-outlook.html\">Deloitte<\/a>; <a href=\"https:\/\/www.mckinsey.com\">McKinsey<\/a>; <a href=\"https:\/\/blinkparametric.com\/news\">Blink Parametric<\/a>; <a href=\"https:\/\/www.internationalsos.com\/risk-outlook\">International SOS<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 6 Best International Travel Insurance Companies<\/h2>\n\n\n\n<ul>\n<li><a href=\"#john\" rel=\"nofollow\" class=\"achor-toggles\">John Hancock<\/a><span style=\"font-size: 1.125rem;\">: Best for Solo Travelers<\/span><\/li>\n\n\n\n<li><a href=\"#img\" rel=\"nofollow\" class=\"achor-toggles\">IMG<\/a>: Best for Thrill Seekers<\/li>\n\n\n\n<li><a href=\"#april\" rel=\"nofollow\" class=\"achor-toggles\">APRIL International<\/a>: Best for Group Travel<\/li>\n\n\n\n<li><a href=\"#safe\" rel=\"nofollow\" class=\"achor-toggles\">TravelSafe Insurance<\/a>: Best for Travel Flexibility<\/li>\n\n\n\n<li><a href=\"#travel\" rel=\"nofollow\" class=\"achor-toggles\">Travel Insured<\/a>: Best for Longer Trips<\/li>\n\n\n\n<li><a href=\"#allianz\" rel=\"nofollow\" class=\"achor-toggles\">Allianz Global Assistance<\/a>: Best for Plan Options<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"John Hancock: Best for Solo Travelers\"><\/span>\n    \n\n\n            <span class=\"b-anchor\" id=\"john\" > <\/span>\n    \n\n                                                \n\n\n<section id=\"john-hancock\" 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\">John Hancock<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Solo Travelers<\/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                John Hancock offers three tiered plans that can price competitively for single travelers and include core international protections. To lock in a pre\u2011existing condition waiver where available, buy shortly after your first payment (many carriers use a 14\u201321 day window), and consider CFAR if you want broader cancellation flexibility (<a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>). Premiums rise with age across the market, so solo travelers in older age bands should compare quotes across multiple top brands (<a href=\"https:\/\/www.squaremouth.com\">Squaremouth<\/a>).\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\">4.2<\/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\">$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\">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                John Hancock offers three tiered plans that can price competitively for single travelers and include core international protections. To lock in a pre\u2011existing condition waiver where available, buy shortly after your first payment (many carriers use a 14\u201321 day window), and consider CFAR if you want broader cancellation flexibility (<a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>). Premiums rise with age across the market, so solo travelers in older age bands should compare quotes across multiple top brands (<a href=\"https:\/\/www.squaremouth.com\">Squaremouth<\/a>).\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 medical coverage limits<\/li>\n                            <li>Multiple plans to choose from<\/li>\n                            <li>Excellent customer service<\/li>\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                                    <li>Kids not included<\/li>\n                                    <li>No adventure sports 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\">Add-ons &#038; 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<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: $750\u2013$2,500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: $250K\u2013$1M<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24\/7 emergency travel assistance<\/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;\">Bronze<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Silver\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gold<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"IMG: Best for Thrill Seekers\"><\/span>\n    \n\n\n            <span class=\"b-anchor\" id=\"img\" > <\/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 for Thrillseekers<\/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\u2019s iTravelInsured portfolio is frequently recommended for international and adventure itineraries, pairing high medical and evacuation limits with options tailored to hazardous activities. Plans like iTravelInsured LX include up to $500,000 in medical and $1,000,000 in evacuation, plus search and rescue and non\u2011emergency evacuation features; compare against other adventure\u2011friendly leaders such as Seven Corners and WorldTrips (cited by <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).\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\">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\">$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\u2019s iTravelInsured portfolio is frequently recommended for international and adventure itineraries, pairing high medical and evacuation limits with options tailored to hazardous activities. Plans like iTravelInsured LX include up to $500,000 in medical and $1,000,000 in evacuation, plus search and rescue and non\u2011emergency evacuation features; compare against other adventure\u2011friendly leaders such as Seven Corners and WorldTrips (cited by <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).\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>Most variety of plans<\/li>\n                            <li>Tailored to adventure sports<\/li>\n                            <li>Cancel for any reason<\/li>\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                                    <li>Few optional coverage options<\/li>\n                                    <li>Higher cost than competitors<\/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 &#038; 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<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: $150\u2013$2,500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: Up to $1M<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports equipment rental: $2,000<\/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;\">Patriot Travel Medical Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Patriot America Plus<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Patriot Platinum Travel Medical Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">iTravelInsured Travel Insurance Lite, SE, LX<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GlobeHopper Senior<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Patriot Multi-Trip Travel Medical Insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"APRIL International: Best for Group Travel\"><\/span>\n    \n\n\n            <span class=\"b-anchor\" id=\"april\" > <\/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 for Group Travel<\/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 offers group policies that can streamline coverage and pricing for programs or events (typically 10+ travelers). For large groups, verify time\u2011sensitive features like pre\u2011existing condition waivers and supplier financial default windows after your initial deposit, and compare terms with widely recommended group\u2011friendly carriers in the U.S. market such as Allianz Global Assistance and AIG Travel Guard (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>).\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\">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\">$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\u201390 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 offers group policies that can streamline coverage and pricing for programs or events (typically 10+ travelers). For large groups, verify time\u2011sensitive features like pre\u2011existing condition waivers and supplier financial default windows after your initial deposit, and compare terms with widely recommended group\u2011friendly carriers in the U.S. market such as Allianz Global Assistance and AIG Travel Guard (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>).\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                    <\/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                                    <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 &#038; 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\">Plans<\/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\"><span style=\"font-weight: 400;\">APRIL Trip Cancellation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">APRIL Choice w\/ 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=\"best4\" title=\"TravelSafe Insurance: Best for Travel Flexibility\"><\/span>\n    \n\n\n            <span class=\"b-anchor\" id=\"safe\" > <\/span>\n    \n\n                                                \n\n\n<section id=\"travelsafe-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\">TravelSafe Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Travel Flexibility<\/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                TravelSafe\u2019s higher missed\u2011connection benefit can cushion tight itineraries. For maximum flexibility, verify CFAR eligibility timelines (commonly within 14\u201321 days of first deposit) and confirm definitions of \u201csignificant delay\u201d and covered causes. Also check for travel supplier financial default coverage, which must typically be purchased soon after your initial payment (<a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.squaremouth.com\/travel-insurance-benefits\/financial-default\">Squaremouth<\/a>).\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.travelsafe.com\/#\/quote?rvitemid=308059-20\" 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\">3.25<\/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\">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\">$35K\u2013$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\">30 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                TravelSafe\u2019s higher missed\u2011connection benefit can cushion tight itineraries. For maximum flexibility, verify CFAR eligibility timelines (commonly within 14\u201321 days of first deposit) and confirm definitions of \u201csignificant delay\u201d and covered causes. Also check for travel supplier financial default coverage, which must typically be purchased soon after your initial payment (<a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.squaremouth.com\/travel-insurance-benefits\/financial-default\">Squaremouth<\/a>).\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>Missed connection coverage<\/li>\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                                    <li>Limited itinerary change coverage<\/li>\n                                    <li>Lower trip interruption coverage than competitors<\/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 &#038; Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation: $10K\u2013$100K<\/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 Classic plan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption: 100%\u2013150% of cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: $100K\u2013$1M<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: $100\u2013$2,500<\/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;\">Basic<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Classic<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Travel Insured: Best for Longer Trips\"><\/span>\n    \n\n\n            <span class=\"b-anchor\" id=\"travel\" > <\/span>\n    \n\n                                                \n\n\n<section id=\"travel-insured\" 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\">Travel Insured<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Longer Trips<\/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                Travel Insured commonly covers trips up to 180 days, making it a fit for extended international travel. If you take multiple trips annually, compare per\u2011trip pricing to annual plans from leaders like Allianz Global Assistance or AIG Travel Guard that are frequently recommended for frequent travelers (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>). For medical needs abroad, target six\u2011figure medical coverage and high evacuation limits, which editor guides emphasize for international itineraries (<a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).\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.travelinsured.com\/?rvitemid=308057-20\" 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<\/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\">$10K\u2013$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\">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                Travel Insured commonly covers trips up to 180 days, making it a fit for extended international travel. If you take multiple trips annually, compare per\u2011trip pricing to annual plans from leaders like Allianz Global Assistance or AIG Travel Guard that are frequently recommended for frequent travelers (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>). For medical needs abroad, target six\u2011figure medical coverage and high evacuation limits, which editor guides emphasize for international itineraries (<a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).\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>Itinerary change coverage<\/li>\n                            <li>Above average trip length coverage<\/li>\n                            <li>Lost miles and rewards reimbursement<\/li>\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                                    <li>Lower lost baggage coverage than competitors<\/li>\n                                    <li>Lower than average medical 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\">Add-ons &#038; 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 with World-wide Trip Protector Plus)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption: 100%\u2013150% of cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation: $100K\u2013$1M<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: $750\u2013$1,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional cancel for work reasons<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional upgrades to double limits<\/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;\">Basic<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Classic<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best6\" title=\"Allianz Global Assistance: Best for Plan Options\"><\/span>\n    \n\n\n            <span class=\"b-anchor\" id=\"allianz\" > <\/span>\n    \n\n                                                \n\n\n<section id=\"allianz-global-assistance\" 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\">Allianz Global Assistance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Plan Options<\/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                Allianz Global Assistance is widely cited as a leader for breadth of plans (single\u2011trip, cruise, annual) and a strong global assistance network. It has also codified epidemic\u2011related covered reasons via its <a href=\"https:\/\/www.allianztravelinsurance.com\">Epidemic Coverage Endorsement<\/a>. Allianz regularly appears on top\u2011insurer lists across major reviewers (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).\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\">3.4<\/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\">$10K\u2013$50K<\/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                Allianz Global Assistance is widely cited as a leader for breadth of plans (single\u2011trip, cruise, annual) and a strong global assistance network. It has also codified epidemic\u2011related covered reasons via its <a href=\"https:\/\/www.allianztravelinsurance.com\">Epidemic Coverage Endorsement<\/a>. Allianz regularly appears on top\u2011insurer lists across major reviewers (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>).\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>Annual trips covered<\/li>\n                            <li>Lengthy single-trip plans<\/li>\n                            <li>Kids\u2019 coverage is included<\/li>\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                                    <li>Lower medical limits than competitors<\/li>\n                                    <li>Limited coverage upgrades<\/li>\n                                    <li>Lower cancellation and interruption 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\">Add-ons &#038; Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation: $5K\u2013$100K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption:$5K\u2013$150K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost baggage: $500\u2013$2K<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24-hour hotline assistance<\/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;\">AllTrips Basic, Executive, Premier, and Prime<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">OneTrip Prime, Basic, Premier, Emergency Medical, and Cancellation Plus<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"how\" title=\"How to Find the Best International Travel Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>How to Find the Best International Travel Insurance<\/strong><\/h2>\n\n\n\n<p><strong>Buy sooner rather than later<\/strong>: Many valuable features are time\u2011sensitive. Buying at the same time as your flights and lodging helps preserve eligibility for pre\u2011existing condition waivers and CFAR, which many providers limit to roughly 14\u201321 days after your first trip payment (<a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>). Early purchase also protects you before weather or other disruptions become \u201cknown\u201d and excluded; persistent natural\u2011catastrophe volatility has raised disruption risk (<a href=\"https:\/\/www.swissre.com\/institute\/en\/research\/sigma-research\/2025\/natural-catastrophes-2024\">Swiss Re Institute<\/a>).<\/p>\n\n\n\n<p>Also, if you plan to add \u201ccancel for any reason\u201d or \u201ccancel for work reasons\u201d coverage, it\u2019s a good idea to buy those as soon as possible, too. CFAR typically reimburses about 50%\u201375% of insured costs and increases your premium; it\u2019s the only way to cancel for non\u2011listed reasons and still recoup a portion of prepaid, nonrefundable expenses (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance-benefits\/cancel-for-any-reason\">Squaremouth<\/a>).<\/p>\n\n\n\n<p><strong>Consider your travel companions<\/strong>: Match coverage to your travelers and itinerary. Families often favor providers known for family\u2011friendly terms (for example, Travelex is frequently cited by editors for strong value for families), while adventure trips may require higher medical\/evacuation limits and sports riders (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>). Premiums generally increase with age bands; older travelers can pay several times what younger adults pay for the same trip value, so compare multiple carriers (<a href=\"https:\/\/www.squaremouth.com\">Squaremouth<\/a>).<\/p>\n\n\n\n<p><strong>Avoid paying for double coverage<\/strong>: Many upgrades overlap with protections you may already have. Homeowners\/renters policies may cover personal belongings, and many credit cards include rental car damage waivers. For flights, claim refunds owed by airlines first \u2014 in 2025 the U.S. DOT requires automatic refunds for canceled or significantly changed flights and for ancillary services not provided \u2014 then use travel insurance for nonrefundable land costs and secondary expenses (<a href=\"https:\/\/www.transportation.gov\/airconsumer\/airline-refunds\">U.S. DOT<\/a>). Increasingly, top insurers support app\u2011based claims, instant payouts, telemedicine, and even parametric flight\u2011delay benefits embedded at checkout, which can speed resolution and reduce hassle (<a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-industry-outlook.html\">Deloitte<\/a>; <a href=\"https:\/\/blinkparametric.com\/news\">Blink Parametric<\/a>; <a href=\"https:\/\/www.internationalsos.com\/risk-outlook\">International SOS<\/a>; <a href=\"https:\/\/www.covergenius.com\">Cover Genius<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travel Insurance <strong>FAQ<\/strong><\/h2>\n\n\n<div id=\"block_60478777233fe\" 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\">How much does international travel insurance cost?<\/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>Comprehensive travel insurance typically costs about 5%\u201310% of your insured trip cost. Price varies by traveler age, trip cost and length, destination risk, and selected options like higher medical\/evacuation limits or CFAR, which increases premiums. Compare multiple carriers and check marketplace benchmarks before you buy (<a href=\"https:\/\/www.squaremouth.com\">Squaremouth<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6047878f233ff\" 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\">How much travel insurance do I need?<\/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>Match your insured trip cost to your nonrefundable, prepaid expenses, then focus on medical and evacuation for international travel. Editor guides recommend prioritizing six\u2011figure emergency medical coverage and high evacuation limits abroad; add CFAR if you want flexibility to cancel for non\u2011listed reasons, and buy within the plan\u2019s waiver window (often ~14\u201321 days after your first deposit) to qualify for pre\u2011existing condition waivers where offered (<a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>). For added protection during instability, look for travel supplier financial default coverage and consider policies with epidemic coverage endorsements (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance-benefits\/financial-default\">Squaremouth<\/a>; <a href=\"https:\/\/www.allianztravelinsurance.com\">Allianz<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\">Methodology<\/h3>\n\n\n\n<p>We evaluate travel insurance providers for international suitability using independent rankings and marketplace data alongside plan certificates. Our scoring emphasizes: breadth of essential coverage and assistance (cancellation\/interruption, emergency medical and evacuation, travel delay\/missed connection, baggage, epidemic coverage language), plan variety (single\u2011trip, cruise, adventure, annual\/multi\u2011trip), availability of key upgrades (CFAR; pre\u2011existing condition waivers; travel supplier financial default), emergency medical and evacuation limits appropriate for international travel, customer\u2011service signals from marketplaces\/regulators, and financial strength indicators. We cross\u2011reference major independent lists (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/best-travel-insurance\">NerdWallet<\/a>) and provider data (<a href=\"https:\/\/www.squaremouth.com\/travel-insurance-providers\">Squaremouth<\/a>), consult the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> for complaint context, and reference insurer financial strength via agencies such as <a href=\"https:\/\/www.ambest.com\/ratings\/guide.pdf\">AM Best<\/a>. We also consider consumer\u2011relevant regulatory context \u2014 for example, 2025 U.S. DOT automatic airline refund rules (<a href=\"https:\/\/www.transportation.gov\/airconsumer\/airline-refunds\">U.S. DOT<\/a>) \u2014 and technology experience markers like app\u2011based claims, telemedicine, instant payouts, and parametric benefits highlighted in industry outlooks (<a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-industry-outlook.html\">Deloitte<\/a>; <a href=\"https:\/\/www.mckinsey.com\">McKinsey<\/a>; <a href=\"https:\/\/www.bain.com\">Bain<\/a>; <a href=\"https:\/\/blinkparametric.com\/news\">Blink Parametric<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Booking an international trip is an investment. With travel insurance, you can protect prepaid, nonrefundable costs and access emergency medical and assistance abroad. Typical comprehensive policies cost about 5%\u201310% of your insured trip cost, with higher medical\/evacuation limits and CFAR increasing the premium (Squaremouth). If you get sick before departure for a covered [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359719,"parent":1774,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1274],"tags":[],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best International Travel Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"We reviewed and compared the best international travel insurance companies and found top six picks for your next trip abroad.\" \/>\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-international\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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