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Compare travel insurance plans covering medical emergencies, baggage loss, trip cancellation and international travel.
Ranked by claim settlement ratio, network size, plan quality, and customer experience. Tap "Compare" on any 2 companies to see them side by side.
One of the largest and most recognized travel insurance providers in the US, backed by the global Allianz group.
Allianz Partners stands out for its brand trust, broad plan variety, and strong assistance network, making it a solid default choice for most domestic and international trips.
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A long-standing US travel insurer known for straightforward plan tiers and solid trip cancellation coverage.
Travelex keeps its plan structure simple and transparent, which makes it easy for first-time travel insurance buyers to compare options, and its policy of covering children at no extra cost is a strong plus for families.
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Backed by insurance giant AIG, Travel Guard offers a comprehensive lineup of plans with strong medical and evacuation coverage.
Travel Guard earns its reputation through high medical and evacuation coverage limits and the financial backing of AIG, making it a dependable pick for travelers heading to remote or higher-risk destinations.
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Backed by Warren Buffett's Berkshire Hathaway, this insurer is known for fast claims processing and flexible, modular plans.
BHTP combines the financial muscle of Berkshire Hathaway with a modern, modular plan design, making it a strong option for travelers who value quick claims resolution as much as coverage breadth.
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A specialist in international and long-term travel medical insurance, popular with expats, missionaries, and long-stay travelers.
Seven Corners differentiates itself with plans built specifically for long-stay and international travelers, making it a strong niche pick beyond standard short-trip vacation coverage.
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Backed by the global Generali Group, this insurer offers tiered plans with strong 24/7 travel assistance and concierge services.
Generali stands out for its global assistance network and concierge-style services, making it a comfortable choice for travelers who value support during a trip, not just reimbursement after.
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A favorite among backpackers and adventure travelers, known for covering a long list of adventure activities most insurers exclude.
World Nomads is purpose-built for travelers doing more than lying on a beach, with adventure-activity coverage and mid-trip purchase flexibility that few competitors match.
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A specialist in international travel medical insurance, popular for long-term, study-abroad, and missionary travel coverage.
IMG's deep focus on international medical coverage makes it a strong specialist choice for travelers whose primary concern is healthcare abroad rather than trip cancellation alone.
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Known for high cancel-for-any-reason (CFAR) coverage limits and consistently strong customer satisfaction ratings.
Travel Insured International is a go-to option for travelers who want the flexibility of CFAR coverage at competitive reimbursement levels, backed by consistently positive customer feedback.
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Affiliated with Blue Cross Blue Shield, GeoBlue offers travel medical plans known for access to a large international provider network.
GeoBlue leverages its Blue Cross Blue Shield affiliation to offer a wide direct-billing hospital network, making medical claims abroad smoother than with many competitors.
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All key metrics at a glance.
| # | Company | Claim Settlement | Starting Premium | Max Coverage |
|---|---|---|---|---|
| 1 | | N/A | From $27 | $50,000 – $100,000 (tier-dependent) |
| 2 | | N/A | Varies by plan | Varies by plan |
| 3 | | N/A | Varies by plan | Varies by plan |
| 4 | | N/A | Varies by plan | Varies by plan |
| 5 | | N/A | Varies by plan | Varies by plan |
| 6 | | N/A | Varies by plan | Varies by plan |
| 7 | | N/A | Varies by plan | Varies by plan |
| 8 | | N/A | Varies by plan | Varies by plan |
| 9 | | N/A | Varies by plan | Varies by plan |
| 10 | | N/A | Varies by plan | Varies by plan |
Key features you must check before buying any travel insurance plan in USA.
Since domestic health insurance often doesn't cover you abroad, prioritize plans with strong emergency medical and evacuation benefits for international trips.
Standard cancellation coverage only applies to specific listed reasons — CFAR upgrades offer broader flexibility, though usually at a higher premium.
Many plans waive pre-existing condition exclusions only if purchased within a short window, often 14-21 days, after your initial trip deposit.
Ensure your trip cancellation coverage limit matches or exceeds your total non-refundable trip cost, including flights and prepaid bookings.
If your trip includes activities like skiing, diving, or trekking, confirm the policy covers them, as many standard plans exclude adventure sports.
If you take multiple international trips per year, an annual multi-trip policy is often more economical than buying insurance for each trip separately.
Travel insurance generally covers trip cancellation, trip interruption, emergency medical expenses, medical evacuation, and baggage loss or delay.
While not mandatory, travel insurance can still be valuable for domestic trips to protect against cancellations, delays, or unexpected medical emergencies.
CFAR is an optional upgrade that lets you cancel your trip for any reason not otherwise covered, typically reimbursing a percentage of your trip cost.
Coverage for pre-existing conditions varies by plan and often requires purchasing the policy within a specific window after your initial trip deposit.
Many US health insurance plans offer limited or no coverage abroad, which is why travel medical insurance is recommended for international trips.
It is best to purchase travel insurance soon after booking your trip, since benefits like trip cancellation and pre-existing condition waivers often depend on early purchase.
This benefit covers the cost of transporting you to the nearest adequate medical facility, or back home, in a medical emergency while traveling.
Claims are usually filed online with supporting documents such as receipts, medical records, or proof of the covered event like a flight delay notice.
Disclaimer: The information on this page is for educational purposes only. Premium amounts are indicative and may vary based on age, health, and plan selected. Please verify all details directly with the insurer before purchasing. Finzony is not an insurance broker or agent.