11 Best Travel Insurance Companies of 2025
Different companies help mitigate various travel risks in unique ways, so it pays to shop around.
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Travelers need to be prepared for the unexpected, whether it’s sudden illness, inclement weather or flight troubles. The best way to do so is ensuring that you have sufficient travel insurance coverage for your trip.
While many credit cards include travel insurance coverage, sometimes it's not enough. For example, you may want higher coverage limits or more coverage options than what your credit card offers. You can always choose to supplement any coverage from your credit card with third-party travel insurance plans.
To help travelers identify the best travel insurance provider for their needs, NerdWallet collected and analyzed multiple data points from a wide range of travel insurers, looking at important factors like breadth and depth of coverage, cost, plan customizability, and customer reviews.
NerdWallet’s picks for best travel insurance companies
Best overall: Berkshire Hathaway Travel Protection.
Best for emergency medical coverage: Allianz Global Assistance.
Best for travelers with pre-existing medical conditions: Travel Guard by AIG.
Best for pet owners: Travel Insured International.
Best for adventurous travelers: World Nomads.
Best for medical coverage: Travelex Insurance Services.
Best if you have travel credit card coverage: Seven Corners.
Best for long-term travelers: IMG.
Best for travelers with unpredictable work demands: Tin Leg.
Best for booking travel with points and miles: TravelSafe.
Best for group travel insurance: HTH Insurance.
Not all policies are available in every state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages available to you.
How we found the best travel insurance
We collected quotes in February 2025 from various travel insurance companies for a 10-day trip to Mexico in September 2025. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.
On average, the price of each company’s most basic coverage plan was $127.18. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.
However, depending on the plan, you may be able to customize at an added cost.
» Learn more: The average cost of travel insurance
Best travel insurance overall: Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Pros
- Specialized plans available for road trips, luxury travel, adventure activities, flights and cruises.
- Pre-existing medical condition exclusion waivers available at nearly all plan levels.
- Faster-than-average reimbursements, including possible same-day compensation.
Cons
- Multiple "Trip Delay" coverage types might make claims confusing.
- Cheapest AirCare plan only includes fixed amounts for its coverage.
Berkshire Hathaway Travel Protection
Pros
- Specialized plans available for road trips, luxury travel, adventure activities, flights and cruises.
- Pre-existing medical condition exclusion waivers available at nearly all plan levels.
- Faster-than-average reimbursements, including possible same-day compensation.
Cons
- Multiple "Trip Delay" coverage types might make claims confusing.
- Cheapest AirCare plan only includes fixed amounts for its coverage.
Why we picked it: Berkshire Hathaway Travel Protection plans provide numerous opportunities for travelers to customize coverage to their needs, including for cruise disruptions. Want something even cheaper? Travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its flight-related coverage. For example, if your flight is canceled, you’ll only receive a $150 reimbursement, no matter how much the flight costs.
Basic plan cost: $136 for ExactCare Value, about $9 above average
Recommended for: Travelers looking for customizable and comprehensive coverage options
» Read the full review: Berkshire Hathaway travel insurance review
Best for emergency medical coverage: Allianz Global Assistance
Allianz
Pros
- Annual or single-trip policies are available.
- Multiple types of insurance available.
- All plans include access to a 24/7 assistance hotline.
Cons
- More expensive than average.
Allianz
Pros
- Annual or single-trip policies are available.
- Multiple types of insurance available.
- All plans include access to a 24/7 assistance hotline.
Cons
- More expensive than average.
Why we picked it: Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single-trip and annual policies to fit their needs. Domestic travelers may benefit from the more affordable OneTrip Cancellation Plus, which provides protections for trip cancellation, trip interruption and travel delay, but doesn’t include benefits like emergency medical or lost baggage.
If you’re looking for rental car protection, you can purchase OneTrip Rental Car Protector as an upgrade or a stand-alone plan. And those looking for additional peace of mind can select the Cancel Anytime upgrade on OneTrip Prime and Premier plans.
Basic plan cost: $149 for OneTrip Basic, about $22 above average
Recommended for: Economical travelers who want to be able to add on rental car protection
» Read the full review: Allianz travel insurance review
Best for travelers with pre-existing medical conditions: Travel Guard by AIG
Travel Guard by AIG
Pros
- Offers last-minute coverage.
- Pre-existing medical condition exclusion waiver available at nearly all plan levels.
- Plan available for business travelers.
Cons
- Cancel For Any Reason coverage only reimburses up to 50% of the trip cost and is limited to higher-level plans.
- Trip interruption coverage doesn't apply to trips paid for with points and miles.
Travel Guard by AIG
Pros
- Offers last-minute coverage.
- Pre-existing medical condition exclusion waiver available at nearly all plan levels.
- Plan available for business travelers.
Cons
- Cancel For Any Reason coverage only reimburses up to 50% of the trip cost and is limited to higher-level plans.
- Trip interruption coverage doesn't apply to trips paid for with points and miles.
Why we picked it: Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs, whether they’re going on a cruise or into adventure sports. If you have a pre-existing medical condition, an exclusion waiver is included on Essential, Preferred and Deluxe plans when the plan is purchased within 15 days of the initial trip payment. Last-minute travelers who don’t need cancellation benefits should consider the Pack N’ Go plan, while business travelers might be interested in an annual plan.
Basic plan cost: $123.27 for Essential, about $4 below average
Recommended for: Those traveling with pre-existing medical conditions and cruise goers
» Read the full review: AIG Travel Guard insurance review
Best for pet owners: Travel Insured International
Travel Insured International
Pros
- Annual or single-trip policies are available.
- Plans include a variety of bundles, including pet, cruise, rental car and theme parks.
- Flight bundle includes reimbursement for redeposit fees on award tickets.
Cons
- Some customizations, like Cancel For Any Reason, are only available on higher-tier plans.
Travel Insured International
Pros
- Annual or single-trip policies are available.
- Plans include a variety of bundles, including pet, cruise, rental car and theme parks.
- Flight bundle includes reimbursement for redeposit fees on award tickets.
Cons
- Some customizations, like Cancel For Any Reason, are only available on higher-tier plans.
Why we picked it: Travel Insured International offers several customization options. For instance, those traveling with pets may want to add on the pet bundle. Even if you plan to leave your pets at home, this bundle adds pet-related issues as a covered reason and offers kennel fee reimbursement.
Basic plan cost: $120 for WorldWide Trip Protector Essential, about $7 below average
Recommended for: Pet owners and cruise goers
» Read the full review: Travel Insured International review
Best for adventurous travelers: World Nomads
World Nomads
Pros
- Standard plan covers up to $400,000 in emergency evacuation costs.
- Plans automatically cover 250+ adventurous activities.
Cons
- Cancel For Any Reason upgrades and pre-existing medical condition waivers only available on higher-tier plans.
World Nomads
Pros
- Standard plan covers up to $400,000 in emergency evacuation costs.
- Plans automatically cover 250+ adventurous activities.
Cons
- Cancel For Any Reason upgrades and pre-existing medical condition waivers only available on higher-tier plans.
Why we picked it: Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, World Nomad’s entry-level Standard plan includes them all. While the most affordable, it provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient, and do not need coverage for certain more adventurous activities (the most-expensive Epic plan covers activities like motocross, free soloing and cliff diving).
Basic plan cost: $91.17 for Standard, about $36 below average
Recommended for: Thrill seekers
» Read the full review: World Nomads travel insurance review
Best for medical coverage: Travelex Insurance Services
Travelex Insurance Services
Pros
- Top-tier plan doesn’t break the bank and provides more customization opportunities.
- Sells a post-departure medical coverage plan and flight-only plan.
Cons
- Fewer customization opportunities on the Essential plan.
Travelex Insurance Services
Pros
- Top-tier plan doesn’t break the bank and provides more customization opportunities.
- Sells a post-departure medical coverage plan and flight-only plan.
Cons
- Fewer customization opportunities on the Essential plan.
Why we picked it: Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type. While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.
Basic plan cost: $120 for Essential, about $7 below average
Recommended for: Travelers who want top-notch medical coverage. Medical Coverage upgrade with $50,000 in medical expense coverage and $500,000 in medical evacuation coverage on top of what is already included.
» Read the full review: Travelex travel insurance review
Best if you have travel credit card coverage: Seven Corners
Seven Corners
Pros
- Annual, medical-only and cruise plans are available.
- Cancel For Any Reason and low-cost Interruption for Any Reason upgrades are available, even for the cheapest plan.
- Pricier plan offers event ticket protection.
Cons
- Offers only one annual policy option.
Seven Corners
Pros
- Annual, medical-only and cruise plans are available.
- Cancel For Any Reason and low-cost Interruption for Any Reason upgrades are available, even for the cheapest plan.
- Pricier plan offers event ticket protection.
Cons
- Offers only one annual policy option.
Why we picked it: Each Seven Corners plan offers several optional add-ons. Among the more unique is Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.
And if you already have a credit card with travel insurance, you may not need a plan with all the bells and whistles. That’s where one of Seven Corners’ medical-only plans might come in handy.
Basic plan cost: $124 for Trip Protection Basic, about $3 below average
Recommended for: Traveling athletes and those attending events with expensive tickets
» Read the full review: Seven Corners travel insurance review
Best for long-term travelers: IMG
IMG
Pros
- Coverage available for adventure travelers.
- Identifies medical providers with direct billing to reduce your out-of-pocket costs.
Cons
- Claim approval can be lengthy.
IMG
Pros
- Coverage available for adventure travelers.
- Identifies medical providers with direct billing to reduce your out-of-pocket costs.
Cons
- Claim approval can be lengthy.
Why we picked it: While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.
While it’s not the cheapest option, IMG’s iTravelInsured Lite plan is worth considering for long-term budget travelers. It covers trips up to 180 days and offers 100% trip cancellation coverage and 125% trip interruption coverage.
Basic plan cost: $115.66 for iTravelInsured Choice, about $12 below average
Recommended for: Long-term budget travelers
» Read the full review: IMG travel insurance review
Best for travelers with unpredictable work demands: Tin Leg
Tin Leg
Pros
- In addition to Cancel For Any Reason, some plans offer cancel for work reasons coverage.
- Adventure sports-specific coverage is available.
Cons
- Plans have overlap that can be hard to distinguish.
- Claim approval can be lengthy.
- Only one plan includes rental car damage coverage available as an add-on.
Tin Leg
Pros
- In addition to Cancel For Any Reason, some plans offer cancel for work reasons coverage.
- Adventure sports-specific coverage is available.
Cons
- Plans have overlap that can be hard to distinguish.
- Claim approval can be lengthy.
- Only one plan includes rental car damage coverage available as an add-on.
Why we picked it: Tin Leg’s Economy plan came in at $134 for our sample trip, adding about $7 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad. The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting. But if your work is unpredictable, you may want to consider a more expensive plan that allows adding on cancel for work reasons coverage, which covers 100% of trip costs.
Basic plan cost: $134 for Tin Leg Economy, about $7 above average
Recommended for: Those who have a lot of time on their hands to compare policies and look for bargains
» Read the full review: Tin Leg travel insurance review
Best for booking travel with points and miles: TravelSafe
TravelSafe
Pros
- Covers up to $300 redepositing points and miles on eligible canceled award reservations.
- Optional add-on protection for business equipment and sports rentals.
Cons
- Certain destinations are excluded in annual plans.
TravelSafe
Pros
- Covers up to $300 redepositing points and miles on eligible canceled award reservations.
- Optional add-on protection for business equipment and sports rentals.
Cons
- Certain destinations are excluded in annual plans.
Why we picked it: Even TravelSafe’s Basic plan comes with a frequent traveler reward benefit, reimbursing up to $150 in points and miles redeposit fees if you need to cancel your award reservations. The more expensive Classic plan bumps that up to $300.
TravelSafe’s website makes it easy to visualize how optional add-on elements — including rental car damage coverage — influence the total cost, displaying the final price as soon as you click the coverage. Those looking for Cancel For Any Reason coverage are able to add it on to the Classic plan.
Basic plan cost: $145 for Basic, about $18 above average
Recommended for: Those booking with points and miles
» Read the full review: TravelSafe insurance review
Best for group travel insurance: HTH Insurance
HTH Travel Insurance
Pros
- Covers travelers up to 95 years old.
- Includes direct pay option so members can avoid having to pay up front for services.
Cons
- Baggage delay must exceed 24 hours before coverage kicks in on the basic plan.No waivers for pre-existing conditions on the lower-level plan.
HTH Travel Insurance
Pros
- Covers travelers up to 95 years old.
- Includes direct pay option so members can avoid having to pay up front for services.
Cons
- Baggage delay must exceed 24 hours before coverage kicks in on the basic plan.No waivers for pre-existing conditions on the lower-level plan.
Why we picked it: HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.
You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers. A group rate of 10% off standard rates is available for parties of 5 or more.
Basic plan cost: $140.91 for Trip Protector Economy, about $14 above average
Recommended for: Travelers searching for group trip coverage, including missionaries and crew
» Read the full review: HTH Travel Insurance review
What does travel insurance cover?
Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.
These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.
On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.
» Learn more: What is travel insurance?
As you shop for travel insurance, you’ll notice that many of the plans include the same coverage categories. Here’s what they are and what they include:
Type of travel insurance | What it covers |
|---|---|
This covers prepaid costs for your trip when you cancel for a covered reason. It allows you to recoup upfront costs paid for flights and nonrefundable hotel reservations. | |
This covers costs incurred during covered disruptions after departure, such as flight delays and cancellations. It can cover costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation. | |
This covers unexpected costs when your trip is delayed and is another coverage that helps offset the costs of flight trouble or other travel disruptions. Many policies have a total amount a traveler can claim, with caps on per diem benefits. | |
This allows you to recoup some of the upfront costs you paid for a trip, even when cancelling for a reason not otherwise covered by your policy. This is typically an add-on that costs extra. | |
This covers the costs of essential items (toiletries, clothing, etc.) you might need when your luggage is delayed. Many plans will specify how long the delay must be before you can make a claim. | |
This allows travelers to recoup the lost value of the items in your bag when your luggage is lost or stolen. Make sure you closely follow your plan’s procedures, and take note that many plans include a maximum total amount you can claim under this coverage and a per-item cap. | |
This covers out-of-pocket medical costs when travelers run into an emergency, as most health insurance plans don’t cover medical care overseas. Many plans also include medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country due to a medical situation. |
Plan benefits can vary a lot, so you’ll want to consider your needs when picking the best policy for you. For example, most plans exclude extreme sports activities, so if you’re a thrill-seeker, you will likely need a plan with specific coverage for adventure activities.
You’ll also want to consider which reasons are excluded for making a claim. For many plans, that includes fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.
» Learn more: Is travel insurance worth getting?
How to choose the best travel insurance policy
Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.
As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble or needing the ability to cancel for any reason without losing money? Maybe you’re worried about getting sick or injured right before departure and needing to postpone the trip, or even injuring yourself or falling ill while overseas.
Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either. Here are some common reasons why people buy travel insurance and the policy types they should consider:
Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.
Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.
Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.
Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into (assuming you don’t have a credit card that comes with rental car coverage).
» Learn more: How to find the best travel insurance
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2025:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph® Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
Chase Sapphire Preferred® Card
Travel
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