Best Travel Insurance Companies in the USA
Traveling is great, but things can go wrong. Flights get canceled, you get sick, your luggage disappears, or plans change at the last minute. Travel insurance helps cover those costs and gives you some peace of mind. Some credit cards offer basic coverage, but a standalone plan usually provides more protection. Here are eight travel insurance companies that offer solid coverage and flexibility.
Berkshire Hathaway Travel Protection ranks high for fast claims and solid all-around coverage. Their plans cover trip cancellation, delays, lost baggage, and emergency medical services. The mobile app is easy to use, and the ExactCare plans work well for families and frequent travelers.
Allianz Global Assistance is a top pick if medical coverage matters most. Their policies have high limits for emergency medical and evacuation expenses, which is useful for international trips or cruises. They also offer annual plans for frequent flyers. Their 24/7 assistance and global network of medical providers can be reassuring no matter where you are.
Travel Guard by AIG is a good option if you have pre-existing medical conditions. Their plans often cover those conditions if you buy within a specific window. They offer three tiers (Essential, Preferred, and Deluxe), so you can pick based on your budget and needs.
World Nomads is built for travelers who hike, scuba dive, mountain bike, or do other adventurous activities. They cover over 200 activities by default, which is more than most insurers. You can buy or extend coverage while already abroad. The company also partners with global nonprofits to support responsible travel.
Seven Corners offers flexible plans that work alongside credit card benefits. You can boost coverage in areas your card might lack, like emergency medical, baggage delay, or missed connections. They also have Wander Frequent Traveler plans for people who take multiple trips a year.
IMG specializes in travel medical insurance and is a strong choice for long-term travelers, expats, and digital nomads. Their Patriot series plans cover emergency evacuation and repatriation. Flexible durations, high limits, and multilingual customer service make IMG a solid pick for extended stays outside the U.S., especially if you’re traveling for months at a time.
Travelex Insurance Services offers well-rounded policies with strong trip cancellation and medical coverage. Their two main plans, Travel Basic and Travel Select, fit different types of travelers. You can add options for adventure sports, rental car coverage, and extra medical coverage. They’ve been in the industry for over 25 years.
Travel Insured International stands out for covering pet-related travel concerns, like pet return services in an emergency. Their plans include trip interruption, delay, baggage loss, and medical coverage. They also offer Cancel for Any Reason (CFAR) upgrades and strong support for group travel and families.
