9 Best Travel Insurance Companies for U.S. on 2023

Have you ever been trapped due to an unexpected illness or accident? Found yourself late for hours or days due to merciless weather or unexplained airline shenanigans? Or probably got more than you bargained for in a politically changeable or crime-ridden part of the world?

Even if you have never experienced main problems on the road, millions of your fellow travelers have. Despite of the many ways to keep travel affordable, the unexpected can fast derail your travel budget.

Travel problems take myriad forms. Some are mere inconveniences. Some are expensive, but not life-altering. And some are true emergencies that threaten disaster. For instance, Travel health insurance can comfort the anxiety of travel interruptions by providing financial safety yet.

What Is Travel Insurance?

Travel insurance generally cannot stop travel problems, but it can address the financial effects of many common problems. Policies are sold for one-only trips or defined time frames. often one year, with the option to renew indefinitely.

Like other forms of insurance, usually, basic travel policies cover particular events up to prearranged coverage limits. Coverage limits decide policy premiums. The customer pays upfront when the policy is bought or on long-term policies’ renewal dates. Covered risks and exceptions vary significantly by policy type, insurer prerogatives, and travel preferences, but usually include:

  • Trip obstruction due to non-excluded events
  • Cancellations of the whole trip or components thereof
  • Lost or delayed baggage
  • Carrier or service supplier failures
  • Emergency removals due to physical perils and medical emergencies
  • Theft and other crimes to learn how to attenuate your risk of theft while traveling, check out the usual types of theft abroad
  • Medical treatment
  • Accidental death including transportation of remains
  • Accidental amputation (compensation for dismemberment caused by non-excluded incidents).

Best Travel Insurance Companies for U.S. Travelers

The best way to find out how much you will put in to ensure your next big trip insurance. How much you stand to save is to get quotes from various carriers.

Most of the companies here drive up travel protection policies underwritten by third-party insurers. Some of which are well-known in their rights also. Unless else noted, providers make it simple to get policy quotes, compare options, and also buy coverage online. Not all plans are accessible in all states, so make certain you are viewing location-specific plan details before purchasing coverage.

1. World Nomads

A.M. Best Financial Strength Rating: A+ better– Nationwide Mutual Insurance Company

Great: High-risk travelers in distal locations and countries without sufficient medical care

World Nomads provides two expense-effective policy tiers for U.S.-based travelers: Quality and Explorer. Backed by Ohio-based large Nationwide Mutual Insurance Company, both policies comprise a range of standard-issue coverages, including:

  • Excursion cancellation and interruption
  • Trip delay
  • Emergency medical insurance for international destinations. Where U.S. health insurance coverage does not applicable
  • Expulsion and repatriation for medical emergencies
  • Baggage damage or loss
  • Baggage delay
  • Travel accident insurance casual death and dismemberment
  • Emergency and non-emergency help services
  • Rental car insurance

Most traveler coverages are higher than comparable quality coverages and have higher premiums appropriately. But both have especially generous eviction and repatriation coverage an important perk for high-risk travelers in far-flung destinations.

World Nomads also deviates from a claims process that’s simple to complete from lovely much anywhere with an Internet connection. That’s a notable advantage over old-fashioned legacy providers, which may make claim filing difficult from the road.

2. AXA

  • A.M. Best Financial Strength Rating:  Excellent – United States Fire Insurance), A+ (Superior Nationwide Mutual Insurance Company)
  • Great: Stuffing sports enthusiasts; travel insurance review anticipating last-minute changes of plan.

Ranked the No. 1 global insurance brand in 2017, AXA is a legit travel insurer backed by two financially steady underwriters. United States Fire Insurance and Nationwide Mutual Insurance Company.

AXA provides three distinct plans with quality inclusions such as trip obstruction and cancellation, baggage loss and delay, and emergency travel medical insurance eviction. The Umber-generous Platinum plan and mid-priced Gold plan also provide non-emergency medical evacuation. Which is a nice choice to have in your back pocket? So is the Cancel for Any Reason choice reimburse 75% of Platinum plan holders’ non-refundable travel costs when they cancel no more than 14 days after booking?

AXA shines for adventure visitor insurance. Its Platinum plan features a host of activity-related coverages. It’s including generous sports appliance rental coverage and compensation for lost golfing and skiing days. AXA’s claims process is not quite as streamlined as travel insurance international (World Nomads), but AXA at least provides a collect calling choice for travelers outside the U.S.

3. iTravelInsured (IMG)

A.M. Better Financial Ability Rating: An Excellent – United States Fire Insurance

Great For: Wilderness explorers; travel insurance international visitor insurance to the United States

Global carrier IMG, iTravelInsured provides three generous plans with uncommonly high coverage limits for American airlines trip interruption and cancellation, medical removal, and rental car damage.

Higher-priced plans comprise optional and probably costly— coverages such as:

  • Cancellation insurance for Any Reason coverage
  • Preexisting stipulation waivers, which may mean the difference between a granted and a denied claim
  • Search and defense coverage, which is necessary for adventurers.

IMG provides different travel medical and international health insurance policies.

  • Engage in high-risk activities while overseas insurance
  • Have medical concerns that may make medical care essential while abroad
  • Spend long periods; probably while studying at a foreign university or taking a short-term job in another country.

IMG also manages visitor insurance plans for non-U.S. citizens, including green card holders, traveling to American airlines travel soil.

4. Seven Corners

A.M. Best Financial Strength Rating: An Excellent – Lloyd’s of London

Great For: Adventure travelers seeking reimbursement for lost recreation days; travelers to politically unsteady countries Seven Corners’ Round-trip travel insurance packages provide varying levels of protection for common coverage such as:

  • Trip intervention and cancellation
  • Emergency travel medical insurance (including medical expulsion)
  • Lost or stolen baggage
  • Accidental death and extrusion

One justly often coverage that’s not present here is rental car loss and damage coverage. Instead, it is alternate at all plan levels.

Much else is alternate too, including some potentially precious add-ons. Higher-priced plans come with optional cancellation for Any Reason. Political expulsion coverage ideal for those traveling to unsteady parts of the world. Adventure travelers can take advantage of a lost pleasure day’s benefit.

Seven Corners provides other types of travel insurance cost and visitor coverage, including international medical plans only. Plans for students traveling overseas, visitor plans, and recurrent traveler plans that are paid per annum. Most plan types have a simple online claim-filing process.

5. Travelex

A.M. Best Financial Strength Rating: A++ A (Excellent – TransAmerica)

Great For: A la carte coverage selection

Travelex provides a larger-than-average menu of travel insurance plans, including travel insurance and low-cost products like flight insurance. That’s a low-risk life protector for trips to affordable countries like Panama and Costa Rica. Where your costliest non-refundable cost is likely to be the flight there and back.

Travelex’s Basic plan is enough for most cost-conscious travelers, who do not expect extensive medical costs and do not care for a voluntary cancellation option. The more liberal Select plan provides customizable coverage, including rental car coverage and Cancel for Any Reason, likely to apply to higher-dollar travelers. Non-insurance products include international driving permits and prompt passport delivery. Travelex makes it simple to file a claim online, you may need to connect with a human staffer to complete the process.

6. John Hancock

A.M. Best Financial Strength Rating: A (Excellent – Starr Indemnity & Responsibility Company)

Great For: Travelers with extra special medical needs

John Hancock partners with Seven Corners to manage three distinct travel insurance plans. Marketed individually from Seven Corners’ plans and produced by a different underwriter. Hancock’s products are special generous on the medical removal and repatriation front.

Otherwise, its coverage is attractive standards, with some welcome perks including compensation of airline ticket change fees and coverage for dynamic attacks. Car rental coverage and Cancel for any cause are optional at all price points.

7. Allianz Travel

A.M. Best Financial Strength Rating:  A- (Excellent – BCS Insurance Company)

Great For: Basic, expensive-impact coverage for low-risk trips

Allianz Travel provides different plans for single- and multi-trip travelers. The latter is a big focus here with Allianz’s AllTrips per annum travel insurance packages heavily revolving on its website. It’s priced competitively with competing for multi-trip per annum plans. AllTrips can be hard to cover every member of a household, when they do not travel together great for couples who travel insurance business separately, for instance.

Coverage for its single- and multi-trip plans is impartially standard, but Allianz provides a couple of low-cost specialized products that may appeal to particular types of travelers.

8. Generally Global Assistance

A.M. Best Financial Strength Rating: Not rated; some generally subsidiaries are ranked A (Excellent)

Great For: Travelers who may need to cancel or obstacle travel for medical reasons.

Generally, Global Assistance provides three modestly priced plans with generous trip intervention and cancellation benefits — up to 175% of the covered cost for trip interruption and 100% of the covered expense for trip cancellation. Emergency help and transportation benefits are strong, as well. Other coverage is side.

In all, generally is a great option for those primarily concerned with recouping non-refundable airfare, hotel booking, tour, and cruise costs, or those facing a costly medical or safety-related removal.

Generally has an online travel claim filing system that seems lovely easy to use. However, there is a human component to the process that may make completing the process difficult in distant locations without dependable or affordable cell service.

9. Travel Guard (AIG)

A.M. Best Financial Rating: A (Excellent – AIG)

Great For: Basic protection plans, some of which are not accessible online

 International financial giant AIG, Travel Guard provides three competitively priced plans accessible for buying online: Need, Preferred, and Deluxe. Crucial is ideal for lower-cost trips that do not get add-ons like high-limit evacuation coverage, while Deluxe is suitable for longer journeys and travelers with special concerns.

If your package does not include everything you required, know that Travel Guard also provides a slew of alternate coverage. Highlights include a lodging cost advantage for Preferred and Deluxe policy-holders traveling outside the U.S. and a medical condition waiver that may make sure coverage for medical issues that other insurers might not cover.

Travel Insurance Comparison Resources

Consider using these comparison tools to hastily home in on the best providers for your needs and budget.


DigiVentures Holdings serve, as a licensed travel insurance agency, TravelInsurance.com aggregates policy quotes from many providers managing policies for U.S. domestic and international travelers. Each search returns a simple-to-compare analysis of policy options, with pricing, coverage, and limits clearly outlined.

When you search for a policy that strikes your fancy. You can complete the buying process through TravelInsurance.com and receive your active policy by email, no need to navigate to a third-party site.

Travel Insurance Center

Travel Insurance Center accumulates quotes from about 15 partner providers. Most of which provide common travel coverage for U.S.-based travelers. A few, like Med jet help, provide more specialized and potentially more expensive products covering general medical costs and security threats.

If you are not prepared to operate a full quote through Travel Insurance Center. Its category-particular plan pages compare promoted plans from top-rated providers. One covers trip protection insurance, for example. Once you have selected a plan, you can customize it through the provider’s online portal.


InsureMyTrip is one of the broadest provider databases in the business — about two dozen in all. Not all providers work in all states, and the standard of coverage and claims can vary extensively. So you should do more due diligence via other sources before settling on a policy setup here. Still, most of the providers that made our list here are in InsureMyTrip’s database.


Aardy.com is a wonky small travel insurance aggregator with about 30 different providers in its database. Once you have filled up basic information about your trip cost and travelers. The extract finder gets you to click a link in an auto-generated email to bounce back to Aardy’s results page. It’s probably a security measure to hinder spiteful traffic, but it’s annoying nonetheless.


SquareMouth features two dozen travel insurance providers, including most of the best companies mentioned here. Its extract-finder interface is a breeze to use. Perhaps due to its way of selection, SquareMouth had the best cost of any aggregator. I reviewed it, although I limited my test to only one, relatively basic search.

Final Word

Many credit cards come with appreciative travel protections that may be robust enough to repay unexpected trip expenses. But if you are not in the capacity to qualify for such a credit card, or you easily do not like using credit cards to pay for travel. You should perhaps purchase travel coverage from one of the providers listed here whenever you fly.

You can purchase travel insurance on a per-trip or per-annum basis. The latter is normally a better deal for frequent travelers not keen on purchasing personal policies before every trip. Coverage tailored to business, leisure, or multi-purpose trips. Policy premiums normally increase with total trip expense, party size, and the age of the insured. Some destinations may need pricier coverage.

Unless you purchase Cancel for Any cause coverage (CFAR), which lets you cancel your trip for a qualified refund without citing a covered reason. You should not anticipate your travel insurance policy to cover all possible travel-related perils.

But it’s not only about the coverage hopefully, but you will also never have to make a claim. It is about peace of mind. After all, whether you are moving for business or pleasure. The last thing you want to worry about is how much it will expense you to miss your second connection or live two nights without your bag.

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