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1. Shard Calculation

Query:

Response:

Calculated Shard: 97 (from laksa198)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa097.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://money.com/best-travel-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://money.com/best-travel-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/money.com\/best-travel-insurance\/","crawl_time":1776121615,"first_indexed_time":1578547044,"http_code":200,"src_unparsed":"com,money!\/best-travel-insurance\/ s443","src_root_hash":"4541926376154389497","history_drop_reason":null,"meta_title":"7 Best Travel Insurance Companies of April 2026 | Money","meta_descriptions":["Here are the best travel insurers of April 2026: Allianz (Best for Business Travel), AIG (Best Add-ons) and Travelex (Best for Families)."],"attrs_boilerpipe_text":"The seven best travel insurance companies for April 2026 include AIG Travel Guard, Allianz Travel and Nationwide.\nMethodology: We reviewed travel insurance quotes for a family of four traveling from New York City to London and evaluated each company based on plan variety, coverage options, reputation, customer service and support and ease of use.\nEditor’s take: The best travel insurance companies typically offer customizable plans, strong coverage for emergencies and trip interruptions and 24\/7 multilingual support.\nUpdated April 2026.\nTravel insurance can help limit your financial losses when trips don't go as planned. From unexpected medical bills abroad to canceled flights and lost baggage, the right policy can save travelers from paying thousands out of pocket.\nPolicies vary widely in what they cover and how much they pay out, making it especially important to compare providers before you buy. Below, we highlight the best travel insurance companies based on coverage, cost and how well each insurer supports travelers when plans go sideways.\nWhat to know about travel insurance\nTravel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses.\nPurchase travel insurance right after booking the trip to get the best coverage.\nOur top picks include AIG Travel Guard, Seven Corners and Allianz Travel.\nHow we chose our top picks\nTo select our top picks, our team vetted 15 companies after conducting 1,000+ hours of research based on 15+ data points. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups.\nRead the\nfull methodology\nto learn more.\nOur Top Picks for the Best Travel Insurance\nAIG Travel Guard\n- Best for Add-Ons\nAllianz Travel\n- Best for Business Travel\nHTH Travel Insurance\n- Best for Long-Term Insurance for International Travel\nNationwide\n- Best Cruise Travel Insurance\nSeven Corners\n- Best for Large Groups\nTravelex\n- Best for Families with Children\nWorld Nomads\n- Best for Adventure Sports Coverage\nLodging expense benefit\nTrip saver and exchange specialized coverage included\nA child 17 and under is covered per insured\nCovers trips to Cuba if the traveler provides additional documentation\nHigh cost of premiums\nMost add-ons are not available for the basic plan\nHIGHLIGHTS\nAge restrictions\nInsures travelers of all ages\nCoverage add-ons\nCFAR, waiver for pre-existing conditions and extra medical coverage\nAM Best rating\nA\nWhy we chose it:\nWe chose\nAIG Travel Guard\nas the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans.\nAIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed.\nTravel Guard’s post-departure benefits also cover you if your travel companion cancels unexpectedly and you have to cover the trip's expenses yourself. Lastly, there's a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance.\nFree kids-included pricing on its most popular plan (not available for Pennsylvania residents)\nAllianz TravelSmart App\nAnnual plan geared to business travelers\n24-hour multilingual assistance hotline\nLow medical coverage\nNo \"cancel for any reason\" benefit\nHIGHLIGHTS\nAge restrictions\nInsures travelers of all ages\nCoverage add-ons\nRental car collision\/loss, cancel anytime, cancel for work, pre-existing conditions waiver\nAM Best rating\nA+\nWhy we chose it:\nAllianz Travel\nis our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection.\nAllianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more.\nAnother one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.\nTravel medical insurance for groups of five or more\nInternational expatriate comprehensive coverage\nPassport app to find doctors, pharmacies, and translations of drug names\nPet medical expense coverage\n12-hour wait for bag delay coverage (24 hours under the economy plan)\n\"Cancel for any reason\" option is only offered in the Preferred plan\nEligibility for the multi-trip plan requires primary health insurance\nHIGHLIGHTS\nAge restrictions\nInsures travelers up to 95 years of age\nCoverage add-ons\nCFAR and International Expatriate Travel coverage\nAM Best rating\nA (Nationwide)\nWhy we chose it:\nHTH Travel Insurance\nis our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students.\nHTH's long-term international health insurance options include policies for expatriates, crew missionaries and students. Benefits include no deductible for office visits, no waiting periods for preventive care services and no waiting period for pre-existing conditions with proof of prior coverage.\nHTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment.\nOther global health and safety services available through HTH Travel Insurance include 24\/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.\nOffers a pre-existing condition waiver\n24-hour assistance\nMulti-trip plans\nMust wait 12 hours before bag delay coverage\n\"Cancel for any reason\" only available for the Premium plan\nFew options for additional coverage.\nHIGHLIGHTS\nAge restrictions\nInsures travelers up to 81 years of age\nCoverage add-ons\nRental car collision\/loss, accidental death & dismemberment\nAM Best rating\nA\nWhy we chose it:\nWe picked\nNationwide\nas the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs.\nNationwide's emergency medical coverage starts at $75,000, and all three plan tiers include “cancel for work reasons” coverage, a $500 return-home-early benefit, $200 in coverage for shipboard service disruption, and $25,000 for non-medical evacuations.\nNationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.\nCoverage from five up to 364 days\nAllows coverage extensions\nWebsite includes sample scenarios to illustrate how the coverage works\nHazardous activities not included in coverage (add-on only)\nDifferent plan options for WA, NY, PA, and MO residents\nHIGHLIGHTS\nAge restrictions\nInsures travelers 14 days of age to 100 years old\nCoverage add-ons\nCFAR, Interruption for Any Reason, Event Ticket Registration Fee\nAM Best rating\nA (United States Fire Insurance Company)\nWhy we chose it:\nWe chose\nSeven Corners\nas the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.\nSeven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains.\nIn addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24\/7 multilingual customer service.\nFlight insurance plans available\nPre-existing conditions waiver\nSeveral upgrades available\nCustomer service has limited operating hours\nNo annual or multi-trip plans\nHIGHLIGHTS\nAge restrictions\nInsures travelers of all ages\nCoverage add-ons\nPre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage\nAM Best rating\nA++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group)\nWhy we chose it:\nTravelex\nis our choice as the best travel insurance for families with children because it offers plans that cover family members under 17 at no additional cost.\nTravelex Insurance Service features three main plans for international trips: Advantage, Ultimate and the low-tier Essential plan for budget-conscious travelers. Essential includes key benefits like cancellation and trip interruption, baggage theft or loss and medical expenses. It also offers six optional upgrades including rental car damage, adventure activities and pet care.\nAdvantage is an affordable plan for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to $2,000 for trip delays or missed connections.\nEmergency medical $100,000 (accident and sickness)\nBuy more while traveling\n24\/7 emergency support (Generali Global Assistance)\nDoes not cover pre-existing conditions\nNo \"cancel for any reason\" option offered\nTrip Cancellation\/Interruption coverage low compared to other providers ($2.5K-$10K)\nHIGHLIGHTS\nAge restrictions\nInsures travelers under 70 years of age\nCoverage add-ons\nNone\nAM Best rating\nA (Nationwide)\nWhy we chose it:\nWorld Nomads\nis the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies.\nIts Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24\/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft.\nWhile most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's \"Buy While Traveling\" plan. Those who already purchased a policy can also extend their coverage to keep exploring.\nAds by Money. We may be compensated if you click this ad.\nAd\nOther travel insurance companies we considered\nIn this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:\nTravelInsurance.com\nWhy it didn't make the cut:\nTravelInsurance.com\nis a travel insurance comparison platform, not a direct insurer. That said, it's a great tool for users who want to compare plans from top travel insurance providers quickly and easily. Users can input their trip details and receive personalized quotes based on the travelers' ages and the duration and cost of the trip.\nTin Leg\nWhy it didn’t make the cut:\nTin Leg\nhas no coverage for rental car damage, limited customer service hours and limited baggage and personal effects coverage, even with the premium plan. On the plus side, some policies cover financial default and employment layoff, and the company also offers a rider to cover sports activities and equipment as well as a rider to cover cancellations for medical and work reasons.\nBerkshire Hathaway Travel Protection\nWhy it didn't make the cut:\nBerkshire Hathaway\ndidn’t make our list of the best providers because its medical expense maximums are lower than those of competitors. Additionally, the basic plan does not include missed connection or accidental death and dismemberment coverage. Berkshire Hathaway stands out from competitors in one respect: its AirCare plan offers unique flight protection that monitors your flights and processes reimbursements automatically, so you don't even need to file a claim.\nTravel Insurance Guide\nTravel insurance\nreimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or injured during the trip.\nRead on to learn how travel insurance works and tips on how to select the right type of coverage.\nWhat does travel insurance cover?\nComprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays.\nThe following are standard coverage options and add-ons.\nTrip cancellation insurance\nrefunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for covered reasons.\nTrip interruption coverage\nreimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip.\nTravel delay coverage\nreimburses you (up to the policy's coverage limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans.\nBaggage and personal effects coverage\nrefunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to $2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.\nEmergency medical evacuation coverage\nreimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 and $500,000 but can be as high as $1 million.\nEmergency\ntravel medical insurance\nreimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you're\npregnant while traveling\n.\nWorldwide assistance\noffers 24\/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services.\nPopular travel insurance add-ons\nCancel for any reason coverage\nCFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses.\nPre-existing medical condition waiver\nAdds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit.\nRental car insurance\nCovers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events).\nAdventure sports coverage\nCovers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping.\nIdentity theft protection\nHelps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents.\nWhat does travel insurance not cover?\nThe most common exclusions in a travel insurance policy are:\nPre-existing medical conditions\nInjuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination\n\"Foreseeable events\" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered)\nMissed flights, where the traveler is at fault\nInjuries caused by extreme sports\nTheft\/loss of personal items such as electronic devices and jewelry\nPregnancy-related conditions\nHow much does travel insurance cost?\nThe\ncost of travel insurance\ncan range from 4% to 12% of the total cost of your trip and depend on:\nYour age\nYour travel destination\nThe length of your trip\nThe types of travel insurance benefits and policy limits you select\nTotal trip cost\n6% of trip cost (estimated travel insurance cost)\n$1,000\n$60\n$1,500\n$90\n$2,600\n$156\n$3,200\n$192\n$5,000\n$300\n* Insurance for a $2,200 trip for a family of four ranged from $90 to over $300, based on 6% of trip costs.\nHow much travel insurance do I need?\nBefore\nbuying travel insurance\n, consider what losses you would incur if you were forced to cancel the trip because of an unexpected setback or medical emergency.\nNon-refundable travel expenses:\nThese include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance.\nPotential medical emergencies:\nTravelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of $50,000 in emergency medical coverage for international trips and $100,000 for cruises and trips to remote locations.\nAdditional coverage needs:\nTravelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from trip insurance policies.\nIs travel insurance worth it?\nTravel insurance could be worth it\nin specific situations. Before buying a policy, consider the following scenarios.\nYou may want travel insurance if:\nYou may not need travel insurance if:\nYou've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events.\nYou're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits).\nYou're traveling internationally and need coverage for medical emergencies and evacuation.\nYou can get reimbursed for trip expenses, especially costly ones.\nYou're visiting an area where weather is unpredictable or there is political unrest.\nYou're going on a short and relatively low-risk trip.\nYou plan to participate in high-risk activities such as skiing or scuba diving.\nYou can afford to cover emergency expenses out of pocket.\nHow to get travel insurance\nYou can\nbuy travel insurance after booking a flight\n. However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades.\nThe best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging.\n1. Define your travel insurance needs\nConsider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers.\nBusiness travel insurance\nis suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as\nNationwide's cruise insurance plans\n, and students in overseas programs may want to look into a plan like\nTrawick International Insurance\n.\n2. Review the policy limits\nEach travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.\n3. Check the policy's fine print\nBefore finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved.\nTravelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage.\nTake a moment to check if emergency assistance services are available 24\/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.\n4. Compare travel insurance quotes\nWe recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still\nfind cheap travel insurance\nthat will cover the essentials, such as medical expenses and personal effects.\nConsider the following when comparing quotes:\nAffordability\nMaximum payout limits for baggage loss or theft\nMinimum wait time before you can file a claim for baggage loss and trip delays\nPolicy terms regarding pre-existing medical conditions\nMaximum payout limits for medical expenses and emergency evacuation\nAvailable add-ons such as \"Cancel for Any Reason\"\nCredit card travel insurance\nMany credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you\ncompare credit card travel coverage with travel insurance\n, you'll see that most credit cards lack medical expenses and emergency evacuation coverage.\nRead our guide to the\nbest travel credit cards\nfor more information on how your credit card can help you travel smarter.\nMethodology\nAs part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile:\nFamily of four traveling from New York City to London\n$2,200 on flight tickets for all four travelers\nWe then reviewed the available plans and looked at the following factors to evaluate and compare each company:\nPlans and coverage:\nWe looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment.\nReputation\n: To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.\nCustomer service and support:\nWe rated companies higher for having a 24\/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services.\nEase of use:\nWe considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.\nLatest News in Travel Insurance\nOn Jan. 3, a U.S. military attack in Venezuela prompted the Federal Aviation Administration (FAA) to issue emergency restrictions on U.S. commercial flights in Venezuelan airspace and portions of the Caribbean, disrupting\nhundreds of flights\nduring a busy travel period and leaving many passengers temporarily stranded.The FAA lifted the temporary airspace ban Jan. 4 (there is still a\ntravel advisory\nin place for some areas).\nSimilarly, on Feb. 22, civil unrest in parts of Mexico led to flight cancellations and delays at Guadalajara International Airport and Puerto Vallarta's Licenciado Gustavo Díaz Ordaz International Airport. Airlines temporarily suspended or rerouted flights, leaving travelers with missed connections and extended layovers. As of the time of writing, all\nrestrictions related to the unrest\nhave been lifted by the U.S. State Department.\nMore recently, a partial U.S. government shutdown caused widespread disruptions at airports across the country, as staffing shortages among TSA agents led to\nlong security lines\n, missed flights and rebooking challenges.\nThis is the type of disruption for which one buys travel insurance, but in some cases, policyholders may never see a payout. Standard travel insurance policies typically exclude coverage for disruptions caused by acts of war, terrorism or civil unrest — and\nmay not cover missed flights due to issues like long TSA lines\n. Still, coverage can vary significantly by policy. It's wise to keep receipts of delay-related expenses such as extra nights at a hotel, meals and ground transportation costs, and file a claim. You\nmay\nbe reimbursed if your delays are caused by secondary issues such as mechanical failures and limited aircraft inventory.\nTravel Insurance FAQ\nDo I need travel insurance?\nchevron-down\nchevron-up\nTravel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary.\nHow does travel insurance work?\nchevron-down\nchevron-up\nTravel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied.\nWhen is it too late to buy travel insurance?\nchevron-down\nchevron-up\nOnce you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like \"cancel for any reason,\" \"trip interruption for any reason,\" and pre-existing condition waivers.\nWhat is a pre-existing condition for travel insurance?\nchevron-down\nchevron-up\nIllnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings.\nSummary of Money's 7 Best Travel Insurance Companies of April 2026\nAIG Travel Guard\n- Best for Add-Ons\nAllianz Travel\n- Best for Business Travel\nHTH Travel Insurance\n- Best for Long-Term Insurance for International Travel\nNationwide\n- Best Cruise Travel Insurance\nSeven Corners\n- Best for Large Groups\nTravelex\n- Best for Families with Children\nWorld Nomads\n- Best for Adventure Sports Coverage","attrs_markdown":"[![Money](https:\/\/money.com\/img\/money_500x140_1.png)](https:\/\/money.com\/)\n\n- [Credit](https:\/\/money.com\/credit\/)\n  - Money's Best, News & Guides\n  - [Best Credit Repair Companies](https:\/\/money.com\/best-credit-repair-companies\/)\n  - [Best Identity Theft Protection Services](https:\/\/money.com\/best-identity-theft-protection\/)\n  - [Best Credit Monitoring Services](https:\/\/money.com\/best-credit-monitoring-services\/)\n- [Insurance](https:\/\/money.com\/insurance\/)\n  - 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[Travel Insurance](https:\/\/money.com\/travel-insurance\/)\n\nShare\n\n**Share**\n\nPage URL\n\nhttps:\/\/money.com\/best-travel-insurance\/\n\n![](data:image\/png;base64,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)\n\nLink copied\\!\n# 7 Best Travel Insurance Companies of April 2026\n\n**By:**\n\n[Bianca Rodríguez Rojas](https:\/\/money.com\/author\/bianca-rodriguez-rojas\/)\n\n![Bianca Rodríguez Rojas, expert in Background Checks, General Finance, and Writer at Money](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\n[Bianca Rodríguez Rojas](https:\/\/money.com\/author\/bianca-rodriguez-rojas\/)\n\nWriter \\| Joined February 2022\n\nBianca Rodríguez Rojas was a staff writer at Money who specialized in background checks and other consumer finance topics.\n\nHas also written:\n\n- [6 Best Car Insurance Companies of 2025](https:\/\/money.com\/best-auto-insurance\/)\n- [What Is Adult Day Care?](https:\/\/money.com\/what-is-adult-daycare\/)\n- [How Long Should Your Life Insurance Policy Last?](https:\/\/money.com\/choosing-a-life-insurance-term\/)\n- [7 Best Travel Insurance for Seniors](https:\/\/money.com\/best-travel-insurance-for-seniors\/)\n- [Break-In Trends in 2024](https:\/\/money.com\/break-in-trends-in-2024\/)\n\n[See full bio](https:\/\/money.com\/author\/bianca-rodriguez-rojas\/)\n\n**Editor:**\n\n[Mallika Mitra](https:\/\/money.com\/author\/mallika-mitra\/)\n\n![Mallika Mitra, expert in Investing, Personal Finance, and Contributor at Money](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\n[Mallika Mitra](https:\/\/money.com\/author\/mallika-mitra\/)\n\nContributor \\| Joined May 2020\n\nMallika Mitra is a contributor to Money, where she covers investing, crypto, debt and many other personal finance beats. Her byline has appeared in the Wall Street Journal, Barrons, and USA Today.\n\nHas also written:\n\n- [Is Pet Insurance Worth It in 2026? What the Data Shows](https:\/\/money.com\/is-pet-insurance-worth-it\/)\n- [8 Best Credit Monitoring Services of April 2026](https:\/\/money.com\/best-credit-monitoring-services\/)\n- [8 Best Tax Relief Companies of April 2026](https:\/\/money.com\/best-tax-relief-companies\/)\n- [Best Banks for CD Rates for April 2026](https:\/\/money.com\/best-cd-rates\/)\n- [Why More Pet Owners Are Feeling Financially Stretched](https:\/\/money.com\/rising-pet-costs-financial-stress\/)\n\n[See full bio](https:\/\/money.com\/author\/mallika-mitra\/)\n\n**Updated by:**\n\n[Liliana Hall](https:\/\/money.com\/author\/liliana-hall\/)\n\n[Liliana Hall](https:\/\/money.com\/author\/liliana-hall\/)\n\nReporter \\| Joined March 2025\n\nLiliana Hall joined Money in 2025. She is an Austin-based reporter for Money, where she covers a range of topics, including financial news, policy, banking, investing, passive income, financial planning and student loan debt.\n\nHas also written:\n\n- [The Lifetime Cost of a Pet — and How to Pay for It](https:\/\/money.com\/lifetime-cost-of-owning-a-dog-or-cat\/)\n- [More Pet Owners Are Going Into Debt to Pay Vet Bills. Here's Why That's Risky](https:\/\/money.com\/pet-owners-debt-vet-bills-rising-costs\/)\n- [How to Insure an E-Bike, Moped or Scooter](https:\/\/money.com\/insurance-e-bikes-mopeds-scooters\/)\n- [Why You Probably Need Flood Insurance — Even if You Don't Live Near Water](https:\/\/money.com\/flood-insurance-costs-fema-texas\/)\n- [5 Common Myths About Car Insurance Costs, Debunked](https:\/\/money.com\/myths-about-car-insurance-costs\/)\n\n[See full bio](https:\/\/money.com\/author\/liliana-hall\/)\n\n**Published:** Apr 2, 2026 **21 min read**\n\n![](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\n## Key Taleaways\n\nThe seven best travel insurance companies for April 2026 include AIG Travel Guard, Allianz Travel and Nationwide.\n\n- Methodology: We reviewed travel insurance quotes for a family of four traveling from New York City to London and evaluated each company based on plan variety, coverage options, reputation, customer service and support and ease of use.\n- Editor’s take: The best travel insurance companies typically offer customizable plans, strong coverage for emergencies and trip interruptions and 24\/7 multilingual support.\n- Updated April 2026.\n\nTravel insurance can help limit your financial losses when trips don't go as planned. From unexpected medical bills abroad to canceled flights and lost baggage, the right policy can save travelers from paying thousands out of pocket.\n\nPolicies vary widely in what they cover and how much they pay out, making it especially important to compare providers before you buy. Below, we highlight the best travel insurance companies based on coverage, cost and how well each insurer supports travelers when plans go sideways.\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\nOur Partner\n\nCompany Highlight\n\nTOP PARTNER\n\n[![Faye Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/go\/15469ebb3584?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085044&ptid=578415426&ptoken=0ff0d3c78f2d327ea3f892d107546a91&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\nOur Partner\n\n[GET QUOTES](https:\/\/money.com\/go\/15469ebb3584?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085044&ptid=578415426&ptoken=0ff0d3c78f2d327ea3f892d107546a91&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n\"Cancel For Any Reason” (CFAR) availability\n\n\"Cancel For Any Reason” (CFAR) availability\n\n- Access to a Network of 20K Telemedicine Doctors in 21 Languages\n- Includes trip cancellation, baggage delay\/loss, and flight delays\n- Emergency medical expenses coverage are included in the coverage\n\n[![TravelInsurance.com Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/go\/dfc2cf908fa3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085038&ptid=578415426&ptoken=44ffd193ef713049958ce5078d03fc15&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\nOur Partner\n\n[GET QUOTES](https:\/\/money.com\/go\/dfc2cf908fa3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085038&ptid=578415426&ptoken=44ffd193ef713049958ce5078d03fc15&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**🏖️ Best Price Guarantee - Buy Online\\!**\n\n- Coverage for Non-Refundable Trip Costs\n- Missed Port & Connection Protection\n- Emergency Medical & Dental Care at Sea\n- Baggage Loss, Theft & Delay Protection\n\n[![Travel Guard Insurance Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/go\/3892e7d94346?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085034&ptid=578415426&ptoken=b3b56e57fa10ba741a323d202533a89a&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\nOur Partner\n\n[GET QUOTES](https:\/\/money.com\/go\/3892e7d94346?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085034&ptid=578415426&ptoken=b3b56e57fa10ba741a323d202533a89a&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**Get an Instant Quote from AIG Travel Guard**\n\n- Domestic, Road Trips & Weekend Travel Coverage\n- Coverage for International Trips\n- Cruises, Family Travel, Seniors\n- 24\/7 Emergency Assistance\n\n[![IMG Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/go\/03cf9e425633?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085048&ptid=578415426&ptoken=6ee662cc150eeb8678a39c0757eda72c&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\nOur Partner\n\n[GET QUOTES](https:\/\/money.com\/go\/03cf9e425633?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085048&ptid=578415426&ptoken=6ee662cc150eeb8678a39c0757eda72c&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**Trip Cancellation, Delay & Interruption Coverage**\n\n- Emergency Medical + Global 24\/7 Assistance\n- Delayed or Lost Baggage Protection Included\n- Flexible Plans for Single Trips or Annual Travel\n### What to know about travel insurance\n- Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses.\n- Purchase travel insurance right after booking the trip to get the best coverage.\n- Our top picks include AIG Travel Guard, Seven Corners and Allianz Travel.\n### How we chose our top picks\nTo select our top picks, our team vetted 15 companies after conducting 1,000+ hours of research based on 15+ data points. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups.\n\nRead the [full methodology](https:\/\/money.com\/best-travel-insurance\/#method) to learn more.\n\n## Our Top Picks for the Best Travel Insurance\n- **[AIG Travel Guard](https:\/\/money.com\/best-travel-insurance\/#aig)** \\- Best for Add-Ons\n- **[Allianz Travel](https:\/\/money.com\/best-travel-insurance\/#allianz)** - Best for Business Travel\n- **[HTH Travel Insurance](https:\/\/money.com\/best-travel-insurance\/#hth)** \\- Best for Long-Term Insurance for International Travel\n- [**Nationwide**](https:\/\/money.com\/best-travel-insurance\/#nationwide) - Best Cruise Travel Insurance\n- **[Seven Corners](https:\/\/money.com\/best-travel-insurance\/#sevencorners)** \\- Best for Large Groups\n- **[Travelex](https:\/\/money.com\/best-travel-insurance\/#travelex)** \\- Best for Families with Children\n- **[World Nomads](https:\/\/money.com\/best-travel-insurance\/#world)** \\- Best for Adventure Sports Coverage\n\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\nSelect your state to find your Travel Insurance Policy\n\nProtect a carefully-planned trip with coverage for delays, illness, lost luggage, and even natural disasters—the best travel insurance can soften the impact of unforeseen events.\n\nHawaii\n\nAlaska\n\nFlorida\n\nSouth Carolina\n\nGeorgia\n\nAlabama\n\nNorth Carolina\n\nTennessee\n\n[RI](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=02901)\n\nRhode Island\n\n[CT](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=06101)\n\nConnecticut\n\n[MA](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=02108)\n\nMassachusetts\n\nMaine\n\n[NH](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=03301)\n\nNew Hampshire\n\n[VT](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=05601)\n\nVermont\n\nNew York\n\n[NJ](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=08601)\n\nNew Jersey\n\n[DE](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=19901)\n\nDelaware\n\n[MD](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=21401)\n\nMaryland\n\nWest Virginia\n\nOhio\n\nMichigan\n\nArizona\n\nNevada\n\nUtah\n\nColorado\n\nNew Mexico\n\nSouth Dakota\n\nIowa\n\nIndiana\n\nIllinois\n\nMinnesota\n\nWisconsin\n\nMissouri\n\nLouisiana\n\nVirginia\n\n[DC](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=20500)\n\nWashington DC\n\nIdaho\n\nCalifornia\n\nNorth Dakota\n\nWashington\n\nOregon\n\nMontana\n\nWyoming\n\nNebraska\n\nKansas\n\nOklahoma\n\nPennsylvania\n\nKentucky\n\nMississippi\n\nArkansas\n\nTexas\n\n[View Rates](https:\/\/money.com\/pr\/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F)\n***\n### Best for Add-Ons: AIG Travel Guard\n[![Travel Guard Insurance Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/lcd80498f932?ap_referrer=%2Fbest-travel-insurance%2F)\n\nOur Partner\n\n[View Rates](https:\/\/money.com\/pr\/lcd80498f932?ap_referrer=%2Fbest-travel-insurance%2F)\n\nPros\n\n- Lodging expense benefit\n- Trip saver and exchange specialized coverage included\n- A child 17 and under is covered per insured\n- Covers trips to Cuba if the traveler provides additional documentation\n\nCons\n\n- High cost of premiums\n- Most add-ons are not available for the basic plan\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers of all ages\n\nCoverage add-ons\n\nCFAR, waiver for pre-existing conditions and extra medical coverage\n\nAM Best rating\n\nA\n\n**Why we chose it:** We chose [AIG Travel Guard](https:\/\/money.com\/pr\/w2fd7ee8b6e0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans.\n\nAIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed.\n\nTravel Guard’s post-departure benefits also cover you if your travel companion cancels unexpectedly and you have to cover the trip's expenses yourself. Lastly, there's a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance.\n***\n### Best for Business Travel: Allianz Travel\n[![Allianz Global Assistance Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/de75308c8768?ap_referrer=%2Fbest-travel-insurance%2F&url=)\n\nOur Partner\n\n[View Rates](https:\/\/money.com\/pr\/de75308c8768?ap_referrer=%2Fbest-travel-insurance%2F&url=)\n\nPros\n\n- Free kids-included pricing on its most popular plan (not available for Pennsylvania residents)\n- Allianz TravelSmart App\n- Annual plan geared to business travelers\n- 24-hour multilingual assistance hotline\n\nCons\n\n- Low medical coverage\n- No \"cancel for any reason\" benefit\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers of all ages\n\nCoverage add-ons\n\nRental car collision\/loss, cancel anytime, cancel for work, pre-existing conditions waiver\n\nAM Best rating\n\nA+\n\n**Why we chose it:** [Allianz Travel](https:\/\/money.com\/pr\/l1c53f517d51?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection.\n\nAllianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more.\n\nAnother one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.\n***\n### Best for Long-Term International Travel Insurance: HTH Travel Insurance\n[![HTH Worldwide Travel Insurance Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/v5ee481c0108?ap_referrer=%2Fbest-travel-insurance%2F)\n\n[View Rates](https:\/\/money.com\/pr\/v5ee481c0108?ap_referrer=%2Fbest-travel-insurance%2F)\n\nPros\n\n- Travel medical insurance for groups of five or more\n- International expatriate comprehensive coverage\n- Passport app to find doctors, pharmacies, and translations of drug names\n- Pet medical expense coverage\n\nCons\n\n- 12-hour wait for bag delay coverage (24 hours under the economy plan)\n- \"Cancel for any reason\" option is only offered in the Preferred plan\n- Eligibility for the multi-trip plan requires primary health insurance\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers up to 95 years of age\n\nCoverage add-ons\n\nCFAR and International Expatriate Travel coverage\n\nAM Best rating\n\nA (Nationwide)\n\n**Why we chose it:** [HTH Travel Insurance](https:\/\/money.com\/pr\/le09935bd2b2?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students.\n\nHTH's long-term international health insurance options include policies for expatriates, crew missionaries and students. Benefits include no deductible for office visits, no waiting periods for preventive care services and no waiting period for pre-existing conditions with proof of prior coverage.\n\nHTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment.\n\nOther global health and safety services available through HTH Travel Insurance include 24\/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.\n***\n### Best Cruise Travel Insurance: Nationwide\n[![Nationwide Travel Insurance Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/q56a172640c1?ap_referrer=%2Fbest-travel-insurance%2F)\n\n[View Rates](https:\/\/money.com\/pr\/q56a172640c1?ap_referrer=%2Fbest-travel-insurance%2F)\n\nPros\n\n- Offers a pre-existing condition waiver\n- 24-hour assistance\n- Multi-trip plans\n\nCons\n\n- Must wait 12 hours before bag delay coverage\n- \"Cancel for any reason\" only available for the Premium plan\n- Few options for additional coverage.\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers up to 81 years of age\n\nCoverage add-ons\n\nRental car collision\/loss, accidental death & dismemberment\n\nAM Best rating\n\nA\n\n**Why we chose it:** We picked [Nationwide](https:\/\/money.com\/pr\/ib6ba7c3008b?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs.\n\nNationwide's emergency medical coverage starts at \\$75,000, and all three plan tiers include “cancel for work reasons” coverage, a \\$500 return-home-early benefit, \\$200 in coverage for shipboard service disruption, and \\$25,000 for non-medical evacuations.\n\nNationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at \\$75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.\n***\n### Best for Large Groups: Seven Corners Travel Insurance\n[![Seven Corners Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/kd2abe4f9a0e?ap_referrer=%2Fbest-travel-insurance%2F)\n\nOur Partner\n\n[View Rates](https:\/\/money.com\/pr\/kd2abe4f9a0e?ap_referrer=%2Fbest-travel-insurance%2F)\n\nPros\n\n- Coverage from five up to 364 days\n- Allows coverage extensions\n- Website includes sample scenarios to illustrate how the coverage works\n\nCons\n\n- Hazardous activities not included in coverage (add-on only)\n- Different plan options for WA, NY, PA, and MO residents\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers 14 days of age to 100 years old\n\nCoverage add-ons\n\nCFAR, Interruption for Any Reason, Event Ticket Registration Fee\n\nAM Best rating\n\nA (United States Fire Insurance Company)\n\n**Why we chose it:** We chose [Seven Corners](https:\/\/money.com\/pr\/uc6bd5d54d53?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.\n\nSeven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to \\$500,000 and offers up to \\$1,000,000 for medical evacuation and repatriation of remains.\n\nIn addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24\/7 multilingual customer service.\n***\n### Best for Families with Children: Travelex\n[![Travelex Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/af283826b732?ap_referrer=%2Fbest-travel-insurance%2F)\n\nOur Partner\n\n[View Rates](https:\/\/money.com\/pr\/af283826b732?ap_referrer=%2Fbest-travel-insurance%2F)\n\nPros\n\n- Flight insurance plans available\n- Pre-existing conditions waiver\n- Several upgrades available\n\nCons\n\n- Customer service has limited operating hours\n- No annual or multi-trip plans\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers of all ages\n\nCoverage add-ons\n\nPre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage\n\nAM Best rating\n\nA++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group)\n\n**Why we chose it:** [Travelex](https:\/\/money.com\/pr\/peb7d4518e2a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice as the best travel insurance for families with children because it offers plans that cover family members under 17 at no additional cost.\n\nTravelex Insurance Service features three main plans for international trips: Advantage, Ultimate and the low-tier Essential plan for budget-conscious travelers. Essential includes key benefits like cancellation and trip interruption, baggage theft or loss and medical expenses. It also offers six optional upgrades including rental car damage, adventure activities and pet care.\n\nAdvantage is an affordable plan for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to \\$2,000 for trip delays or missed connections.\n***\n### Best for Adventure Sports Coverage: World Nomads\n[![World Nomads Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)](https:\/\/money.com\/pr\/l8b7a17e90ca?ap_referrer=%2Fbest-travel-insurance%2F)\n\n[View Rates](https:\/\/money.com\/pr\/l8b7a17e90ca?ap_referrer=%2Fbest-travel-insurance%2F)\n\nPros\n\n- Emergency medical \\$100,000 (accident and sickness)\n- Buy more while traveling\n- 24\/7 emergency support (Generali Global Assistance)\n\nCons\n\n- Does not cover pre-existing conditions\n- No \"cancel for any reason\" option offered\n- Trip Cancellation\/Interruption coverage low compared to other providers (\\$2.5K-\\$10K)\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers under 70 years of age\n\nCoverage add-ons\n\nNone\n\nAM Best rating\n\nA (Nationwide)\n\n**Why we chose it:** [World Nomads](https:\/\/money.com\/pr\/u54a7cbc7e17?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies.\n\nIts Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24\/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft.\n\nWhile most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's \"Buy While Traveling\" plan. Those who already purchased a policy can also extend their coverage to keep exploring.\n***\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\nQuote, compare, and buy in minutes—best price guaranteed\n\n![TravelInsurance.com Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\n[View Rates](https:\/\/money.com\/go\/1567090d5e54?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085028&ptid=578415427&ptoken=f40efb7995dab8e2f2cc3dbedb1bdeb3&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**🏖️ Best Price Guarantee - Buy Online\\!**\n\n- Coverage for Non-Refundable Trip Costs\n- Missed Port & Connection Protection\n- Emergency Medical & Dental Care at Sea\n- Baggage Loss, Theft & Delay Protection\n\nTravel concierge services with premium plans\n\n![Travel Guard Insurance Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\n[View Rates](https:\/\/money.com\/go\/9713eeed1700?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085026&ptid=578415427&ptoken=562cb48bc103206e685b7e567425bceb&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**Get an Instant Quote from AIG Travel Guard**\n\n- Domestic, Road Trips & Weekend Travel Coverage\n- Coverage for International Trips\n- Cruises, Family Travel, Seniors\n- 24\/7 Emergency Assistance\n\nCancel-For-Any-Reason Coverage Options\n\n![SquareMouth Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\n[View Rates](https:\/\/money.com\/go\/6558b680c6e3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085031&ptid=578415427&ptoken=c701d00d00c109b6c93c4d3ae88fd089&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n✈️ **Quote & Compare Best Travel Insurance**\n\n- Same Price as Purchasing Directly from the Providers\n- Trip Cancellation, Medical & Cancel for Any Reason Policies\n- Cruise Insurance, Group Travel & Annual Policies\n\nFast Claims & 24\/7 Travel Support\n\n![Faye Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\n[View Rates](https:\/\/money.com\/go\/50c9e35d47d3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085049&ptid=578415427&ptoken=933d208ebaf32d0db23a0e1364d7efe9&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**\"Cancel For Any Reason” (CFAR) availability**\n\n- Access to a Network of 20K Telemedicine Doctors in 21 Languages\n- Includes trip cancellation, baggage delay\/loss, and flight delays\n- Emergency medical expenses coverage are included in the coverage\n\nQuick quote — no payment details or email required\n\n![Generali (Direct) Logo](data:image\/png;base64,R0lGODlhAQABAAD\/ACwAAAAAAQABAAACADs=)\n\n[View Rates](https:\/\/money.com\/go\/ff1c75cfdcdf?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085051&ptid=578415427&ptoken=a46bdf4bdfcfbf0658fef86fdbeaba61&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29)\n\n**Trusted by Over 6 Million Travelers Annually**\n\n- Medical & Dental Emergencies\n- Trip Delays, Interruptions & Cancellations\n- Coverage for Baggage & Personal Items\n- 24\/7 Travel Assistance\n### Other travel insurance companies we considered\nIn this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:\n\n#### TravelInsurance.com\n**Why it didn't make the cut:** [TravelInsurance.com](https:\/\/money.com\/pr\/p379b35a171a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is a travel insurance comparison platform, not a direct insurer. That said, it's a great tool for users who want to compare plans from top travel insurance providers quickly and easily. Users can input their trip details and receive personalized quotes based on the travelers' ages and the duration and cost of the trip.\n\n#### Tin Leg\n**Why it didn’t make the cut:** [Tin Leg](https:\/\/money.com\/pr\/c6882b087980?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) has no coverage for rental car damage, limited customer service hours and limited baggage and personal effects coverage, even with the premium plan. On the plus side, some policies cover financial default and employment layoff, and the company also offers a rider to cover sports activities and equipment as well as a rider to cover cancellations for medical and work reasons.\n\n#### Berkshire Hathaway Travel Protection\n**Why it didn't make the cut:** [Berkshire Hathaway](https:\/\/money.com\/pr\/c6042f9e4a66?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) didn’t make our list of the best providers because its medical expense maximums are lower than those of competitors. Additionally, the basic plan does not include missed connection or accidental death and dismemberment coverage. Berkshire Hathaway stands out from competitors in one respect: its AirCare plan offers unique flight protection that monitors your flights and processes reimbursements automatically, so you don't even need to file a claim.\n\n## Travel Insurance Guide\n[Travel insurance](https:\/\/money.com\/what-is-travel-insurance\/) reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or injured during the trip.\n\nRead on to learn how travel insurance works and tips on how to select the right type of coverage.\n\n### What does travel insurance cover?\nComprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays.\n\nThe following are standard coverage options and add-ons.\n\n- **Trip cancellation insurance** refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for covered reasons.\n- **Trip interruption coverage** reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip.\n- **Travel delay coverage** reimburses you (up to the policy's coverage limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans.\n- **Baggage and personal effects coverage** refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to \\$2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.\n- **Emergency medical evacuation coverage** reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between \\$100,000 and \\$500,000 but can be as high as \\$1 million.\n- **Emergency [travel medical insurance](https:\/\/money.com\/what-is-travel-medical-insurance\/)** reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from \\$15,000 to \\$50,000. Coverage may apply even if you're [pregnant while traveling](https:\/\/money.com\/travel-insurance-when-pregnant\/).\n- **Worldwide assistance** offers 24\/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services.\n#### Popular travel insurance add-ons\n|   |   |\n|---|---|\n| Cancel for any reason coverage | CFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses. |\n| Pre-existing medical condition waiver | Adds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit. |\n| [Rental car insurance](https:\/\/money.com\/rental-car-coverage-and-travel-insurance\/) | Covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). |\n| Adventure sports coverage | Covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. |\n| Identity theft protection | Helps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents. |\n### What does travel insurance not cover?\nThe most common exclusions in a travel insurance policy are:\n\n- Pre-existing medical conditions\n- Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination\n- \"Foreseeable events\" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered)\n- Missed flights, where the traveler is at fault\n- Injuries caused by extreme sports\n- Theft\/loss of personal items such as electronic devices and jewelry\n- Pregnancy-related conditions\n### How much does travel insurance cost?\nThe [cost of travel insurance](https:\/\/money.com\/how-much-is-travel-insurance\/) can range from 4% to 12% of the total cost of your trip and depend on:\n\n- Your age\n- Your travel destination\n- The length of your trip\n- The types of travel insurance benefits and policy limits you select\n\n| Total trip cost | 6% of trip cost (estimated travel insurance cost) |\n|---|---|\n| \\$1,000 | \\$60 |\n| \\$1,500 | \\$90 |\n| \\$2,600 | \\$156 |\n| \\$3,200 | \\$192 |\n| \\$5,000 | \\$300 |\n\n\\* Insurance for a \\$2,200 trip for a family of four ranged from \\$90 to over \\$300, based on 6% of trip costs.\n\n### How much travel insurance do I need?\nBefore [buying travel insurance](https:\/\/money.com\/when-to-buy-travel-insurance\/), consider what losses you would incur if you were forced to cancel the trip because of an unexpected setback or medical emergency.\n\n- **Non-refundable travel expenses:** These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance.\n- **Potential medical emergencies:** Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of \\$50,000 in emergency medical coverage for international trips and \\$100,000 for cruises and trips to remote locations.\n- **Additional coverage needs:** Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from trip insurance policies.\n### Is travel insurance worth it?\n[Travel insurance could be worth it](https:\/\/money.com\/is-travel-insurance-worth-it\/) in specific situations. Before buying a policy, consider the following scenarios.\n\n| **You may want travel insurance if:** | **You may not need travel insurance if:** |\n|---|---|\n| You've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events. | You're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits). |\n| You're traveling internationally and need coverage for medical emergencies and evacuation. | You can get reimbursed for trip expenses, especially costly ones. |\n| You're visiting an area where weather is unpredictable or there is political unrest. | You're going on a short and relatively low-risk trip. |\n| You plan to participate in high-risk activities such as skiing or scuba diving. | You can afford to cover emergency expenses out of pocket. |\n### How to get travel insurance\nYou can [buy travel insurance after booking a flight](https:\/\/money.com\/can-you-buy-travel-insurance-after-booking-a-flight\/). However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades.\n\nThe best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging.\n\n#### 1\\. Define your travel insurance needs\nConsider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers.\n\n[Business travel insurance](https:\/\/money.com\/allianz-travel-insurance-review\/) is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as [Nationwide's cruise insurance plans](https:\/\/money.com\/nationwide-travel-insurance-review\/), and students in overseas programs may want to look into a plan like [Trawick International Insurance](https:\/\/money.com\/trawick-international-travel-insurance-review\/).\n\n#### 2\\. Review the policy limits\nEach travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.\n\n#### 3\\. Check the policy's fine print\nBefore finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved.\n\nTravelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage.\n\nTake a moment to check if emergency assistance services are available 24\/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.\n\n#### 4\\. Compare travel insurance quotes\nWe recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still [find cheap travel insurance](https:\/\/money.com\/how-to-find-cheap-travel-insurance\/) that will cover the essentials, such as medical expenses and personal effects.\n\nConsider the following when comparing quotes:\n\n- Affordability\n- Maximum payout limits for baggage loss or theft\n- Minimum wait time before you can file a claim for baggage loss and trip delays\n- Policy terms regarding pre-existing medical conditions\n- Maximum payout limits for medical expenses and emergency evacuation\n- Available add-ons such as \"Cancel for Any Reason\"\n### Credit card travel insurance\nMany credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you [compare credit card travel coverage with travel insurance](https:\/\/money.com\/credit-card-vs-travel-insurance\/), you'll see that most credit cards lack medical expenses and emergency evacuation coverage.\n\nRead our guide to the [best travel credit cards](https:\/\/money.com\/best-travel-credit-card\/) for more information on how your credit card can help you travel smarter.\n\n## Methodology\nAs part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile:\n\n- Family of four traveling from New York City to London\n- \\$2,200 on flight tickets for all four travelers\n\nWe then reviewed the available plans and looked at the following factors to evaluate and compare each company:\n\n- **Plans and coverage:** We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment.\n- **Reputation**: To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.\n- **Customer service and support:** We rated companies higher for having a 24\/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services.\n- **Ease of use:** We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.\n## Latest News in Travel Insurance\nOn Jan. 3, a U.S. military attack in Venezuela prompted the Federal Aviation Administration (FAA) to issue emergency restrictions on U.S. commercial flights in Venezuelan airspace and portions of the Caribbean, disrupting [hundreds of flights](https:\/\/apnews.com\/article\/caribbean-flight-canceled-maduro-venezuela-d8d7006de25f0b95bea3a0d0ff3757eb) during a busy travel period and leaving many passengers temporarily stranded.The FAA lifted the temporary airspace ban Jan. 4 (there is still a [travel advisory](https:\/\/travel.state.gov\/en\/international-travel\/travel-advisories.html) in place for some areas).\n\nSimilarly, on Feb. 22, civil unrest in parts of Mexico led to flight cancellations and delays at Guadalajara International Airport and Puerto Vallarta's Licenciado Gustavo Díaz Ordaz International Airport. Airlines temporarily suspended or rerouted flights, leaving travelers with missed connections and extended layovers. As of the time of writing, all [restrictions related to the unrest](https:\/\/mx.usembassy.gov\/security-alert-final-update-ongoing-security-operations-u-s-mission-mexico-february-25-2026\/) have been lifted by the U.S. State Department.\n\nMore recently, a partial U.S. government shutdown caused widespread disruptions at airports across the country, as staffing shortages among TSA agents led to [long security lines](https:\/\/www.npr.org\/2026\/03\/25\/nx-s1-5760981\/tsa-wait-times-lines), missed flights and rebooking challenges.\n\nThis is the type of disruption for which one buys travel insurance, but in some cases, policyholders may never see a payout. Standard travel insurance policies typically exclude coverage for disruptions caused by acts of war, terrorism or civil unrest — and [may not cover missed flights due to issues like long TSA lines](https:\/\/www.npr.org\/2026\/03\/28\/nx-s1-5762756\/airport-lines-tsa-shutdown-delays-flights-rebooking). Still, coverage can vary significantly by policy. It's wise to keep receipts of delay-related expenses such as extra nights at a hotel, meals and ground transportation costs, and file a claim. You *may* be reimbursed if your delays are caused by secondary issues such as mechanical failures and limited aircraft inventory.\n\n## Travel Insurance FAQ\n### Do I need travel insurance?\nTravel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary.\n\n### How does travel insurance work?\nTravel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied.\n\n### When is it too late to buy travel insurance?\nOnce you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like \"cancel for any reason,\" \"trip interruption for any reason,\" and pre-existing condition waivers.\n\n### What is a pre-existing condition for travel insurance?\nIllnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings.\n## Summary of Money's 7 Best Travel Insurance Companies of April 2026\n- **[AIG Travel Guard](https:\/\/money.com\/best-travel-insurance\/#aig)** \\- Best for Add-Ons\n- **[Allianz Travel](https:\/\/money.com\/best-travel-insurance\/#allianz)** - Best for Business Travel\n- **[HTH Travel Insurance](https:\/\/money.com\/best-travel-insurance\/#hth)** \\- Best for Long-Term Insurance for International Travel\n- [**Nationwide**](https:\/\/money.com\/best-travel-insurance\/#nationwide) - Best Cruise Travel Insurance\n- **[Seven Corners](https:\/\/money.com\/best-travel-insurance\/#sevencorners)** \\- Best for Large Groups\n- **[Travelex](https:\/\/money.com\/best-travel-insurance\/#travelex)** \\- Best for Families with Children\n- **[World Nomads](https:\/\/money.com\/best-travel-insurance\/#world)** \\- Best for Adventure Sports Coverage\n\n- Categories\n- [Current Mortgage Rates](https:\/\/money.com\/current-mortgage-rates\/)\n- [Best Mortgage Lenders](https:\/\/money.com\/best-mortgage-lenders\/)\n- [How Much Home Can You Afford](https:\/\/money.com\/how-much-house-can-i-afford\/)\n- [Best Mortgage Refinance](https:\/\/money.com\/best-mortgage-refinance\/)\n- [Everything About Reverse Mortgages](https:\/\/money.com\/what-is-a-reverse-mortgage\/)\n- [Best Credit Cards](https:\/\/money.com\/best-credit-cards\/)\n- [Best Banks](https:\/\/money.com\/best-banks\/)\n- [Best Savings Accounts](https:\/\/money.com\/best-savings-accounts\/)\n- [Best Moving Companies](https:\/\/money.com\/best-moving-companies\/)\n\n- Best of Money\n- [Best Student Loans](https:\/\/money.com\/student-loans\/)\n- [Best Student Loan Refinance](https:\/\/money.com\/best-student-loan-refinance\/)\n- [Best Credit Repair](https:\/\/money.com\/best-credit-repair-companies\/)\n- [Best Personal Loans](https:\/\/money.com\/best-personal-loans\/)\n- [Best Auto Insurance](https:\/\/money.com\/best-auto-insurance\/)\n- [Cheapest Car Insurance](https:\/\/money.com\/best-cheap-car-insurance\/)\n- [Best Home Insurance](https:\/\/money.com\/best-home-insurance\/)\n- [Best Life Insurance](https:\/\/money.com\/best-life-insurance\/)\n- [Best Home Warranties](https:\/\/money.com\/best-home-warranties\/)\n\n- Resources\n- [Newsletters](https:\/\/money.com\/subscribe\/)\n- [Best Banks](https:\/\/money.com\/best-banks\/)\n- [Best Colleges](https:\/\/money.com\/best-colleges\/)\n- [Best Hospitals](https:\/\/money.com\/best-hospitals\/)\n- [Best Places to Live](https:\/\/money.com\/best-places-to-live\/)\n- [Best Places to Travel](https:\/\/money.com\/best-places-to-travel\/)\n- [Best Travel Insurance](https:\/\/money.com\/best-travel-insurance\/)\n- [Best Pet Insurance](https:\/\/money.com\/best-pet-insurance\/)\n\n- Money\n- [About](https:\/\/money.com\/about\/)\n- [Contact](https:\/\/money.com\/contact\/)\n- [Team](https:\/\/money.com\/team\/)\n- [Privacy Policy](https:\/\/money.com\/privacy\/)\n- [Terms of Use](https:\/\/money.com\/terms\/)\n- [Do Not Sell My Personal Information](https:\/\/www.adpractitioners.com\/eu-data-request?site=money.com)\n- [Your California Privacy Rights](https:\/\/money.com\/privacy\/#privacy-notice-for-california-residents)\n- [Licenses & Disclosures](https:\/\/money.com\/page\/insurance-licenses\/)\n- [Advertising](https:\/\/money.com\/contact\/)\n- [Sitemap](https:\/\/money.com\/money\/html-sitemap\/)\n- [Careers](https:\/\/moneygroup.pr\/careers\/)\n\n**Connect**\n\n**Physical Address**\n\nMoney Group, LLC  \n Distrito T-Mobile  \n 250 Convention Blvd  \n San Juan, PR 00907\n\n**Mailing Address**\n\nMetro Office Park  \n 7 calle 1, Suite 204  \n Guaynabo, PR 00968\n\n![BBB Rating A+](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\nBBB Rating A+\n\n© Copyright 2026 [Money Group, LLC.](https:\/\/moneygroup.pr\/). All Rights Reserved. [Terms of Use](https:\/\/money.com\/terms\/) \\| [Privacy Policy](https:\/\/money.com\/privacy\/)   \nMoney is an independent, advertiser-supported website and may receive compensation for some links to products and services throughout this website.  \nOpinions expressed on this site are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed.  \nOffers may be subject to change without notice. For more information, please read [our full disclaimer](https:\/\/money.com\/page\/disclaimer\/).  \n  \nInvitations for insurance applications on services we own and operate are made through Money Group Ins, LLC,   \nan insurance agent\/producer, only where licensed. All license numbers are available [here](https:\/\/money.com\/page\/insurance-licenses\/).\n\nInvitations on Money for application for insurance are made only where licensed by and through Consumers Advocate Group, LLC (in Florida,  \n Consumers Advocate, LLC; in New York, Consumers Advocate Group of Washington, LLC; and in California, Fran Powel Insurance Services, LLC), and  \n its designated insurance producer, Francine Powel, as an independent agent. All license numbers are available [here](https:\/\/money.com\/page\/insurance-licenses\/).\n\nthis link is to an external site that may or may not meet accessibility guidelines.","attrs_readable_markdown":"The seven best travel insurance companies for April 2026 include AIG Travel Guard, Allianz Travel and Nationwide.\n\n- Methodology: We reviewed travel insurance quotes for a family of four traveling from New York City to London and evaluated each company based on plan variety, coverage options, reputation, customer service and support and ease of use.\n- Editor’s take: The best travel insurance companies typically offer customizable plans, strong coverage for emergencies and trip interruptions and 24\/7 multilingual support.\n- Updated April 2026.\n\nTravel insurance can help limit your financial losses when trips don't go as planned. From unexpected medical bills abroad to canceled flights and lost baggage, the right policy can save travelers from paying thousands out of pocket.\n\nPolicies vary widely in what they cover and how much they pay out, making it especially important to compare providers before you buy. Below, we highlight the best travel insurance companies based on coverage, cost and how well each insurer supports travelers when plans go sideways.\n\n### What to know about travel insurance\n- Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses.\n- Purchase travel insurance right after booking the trip to get the best coverage.\n- Our top picks include AIG Travel Guard, Seven Corners and Allianz Travel.\n### How we chose our top picks\nTo select our top picks, our team vetted 15 companies after conducting 1,000+ hours of research based on 15+ data points. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups.\n\nRead the [full methodology](https:\/\/money.com\/best-travel-insurance\/#method) to learn more.\n\n## Our Top Picks for the Best Travel Insurance\n- **[AIG Travel Guard](https:\/\/money.com\/best-travel-insurance\/#aig)** \\- Best for Add-Ons\n- **[Allianz Travel](https:\/\/money.com\/best-travel-insurance\/#allianz)** - Best for Business Travel\n- **[HTH Travel Insurance](https:\/\/money.com\/best-travel-insurance\/#hth)** \\- Best for Long-Term Insurance for International Travel\n- [**Nationwide**](https:\/\/money.com\/best-travel-insurance\/#nationwide) - Best Cruise Travel Insurance\n- **[Seven Corners](https:\/\/money.com\/best-travel-insurance\/#sevencorners)** \\- Best for Large Groups\n- **[Travelex](https:\/\/money.com\/best-travel-insurance\/#travelex)** \\- Best for Families with Children\n- **[World Nomads](https:\/\/money.com\/best-travel-insurance\/#world)** \\- Best for Adventure Sports Coverage\n***\n- Lodging expense benefit\n- Trip saver and exchange specialized coverage included\n- A child 17 and under is covered per insured\n- Covers trips to Cuba if the traveler provides additional documentation\n\n- High cost of premiums\n- Most add-ons are not available for the basic plan\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers of all ages\n\nCoverage add-ons\n\nCFAR, waiver for pre-existing conditions and extra medical coverage\n\nAM Best rating\n\nA\n\n**Why we chose it:** We chose [AIG Travel Guard](https:\/\/money.com\/pr\/w2fd7ee8b6e0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans.\n\nAIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed.\n\nTravel Guard’s post-departure benefits also cover you if your travel companion cancels unexpectedly and you have to cover the trip's expenses yourself. Lastly, there's a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance.\n***\n- Free kids-included pricing on its most popular plan (not available for Pennsylvania residents)\n- Allianz TravelSmart App\n- Annual plan geared to business travelers\n- 24-hour multilingual assistance hotline\n\n- Low medical coverage\n- No \"cancel for any reason\" benefit\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers of all ages\n\nCoverage add-ons\n\nRental car collision\/loss, cancel anytime, cancel for work, pre-existing conditions waiver\n\nAM Best rating\n\nA+\n\n**Why we chose it:** [Allianz Travel](https:\/\/money.com\/pr\/l1c53f517d51?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection.\n\nAllianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more.\n\nAnother one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.\n***\n- Travel medical insurance for groups of five or more\n- International expatriate comprehensive coverage\n- Passport app to find doctors, pharmacies, and translations of drug names\n- Pet medical expense coverage\n\n- 12-hour wait for bag delay coverage (24 hours under the economy plan)\n- \"Cancel for any reason\" option is only offered in the Preferred plan\n- Eligibility for the multi-trip plan requires primary health insurance\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers up to 95 years of age\n\nCoverage add-ons\n\nCFAR and International Expatriate Travel coverage\n\nAM Best rating\n\nA (Nationwide)\n\n**Why we chose it:** [HTH Travel Insurance](https:\/\/money.com\/pr\/le09935bd2b2?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students.\n\nHTH's long-term international health insurance options include policies for expatriates, crew missionaries and students. Benefits include no deductible for office visits, no waiting periods for preventive care services and no waiting period for pre-existing conditions with proof of prior coverage.\n\nHTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment.\n\nOther global health and safety services available through HTH Travel Insurance include 24\/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.\n***\n- Offers a pre-existing condition waiver\n- 24-hour assistance\n- Multi-trip plans\n\n- Must wait 12 hours before bag delay coverage\n- \"Cancel for any reason\" only available for the Premium plan\n- Few options for additional coverage.\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers up to 81 years of age\n\nCoverage add-ons\n\nRental car collision\/loss, accidental death & dismemberment\n\nAM Best rating\n\nA\n\n**Why we chose it:** We picked [Nationwide](https:\/\/money.com\/pr\/ib6ba7c3008b?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs.\n\nNationwide's emergency medical coverage starts at \\$75,000, and all three plan tiers include “cancel for work reasons” coverage, a \\$500 return-home-early benefit, \\$200 in coverage for shipboard service disruption, and \\$25,000 for non-medical evacuations.\n\nNationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at \\$75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.\n***\n- Coverage from five up to 364 days\n- Allows coverage extensions\n- Website includes sample scenarios to illustrate how the coverage works\n\n- Hazardous activities not included in coverage (add-on only)\n- Different plan options for WA, NY, PA, and MO residents\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers 14 days of age to 100 years old\n\nCoverage add-ons\n\nCFAR, Interruption for Any Reason, Event Ticket Registration Fee\n\nAM Best rating\n\nA (United States Fire Insurance Company)\n\n**Why we chose it:** We chose [Seven Corners](https:\/\/money.com\/pr\/uc6bd5d54d53?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.\n\nSeven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to \\$500,000 and offers up to \\$1,000,000 for medical evacuation and repatriation of remains.\n\nIn addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24\/7 multilingual customer service.\n***\n- Flight insurance plans available\n- Pre-existing conditions waiver\n- Several upgrades available\n\n- Customer service has limited operating hours\n- No annual or multi-trip plans\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers of all ages\n\nCoverage add-ons\n\nPre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage\n\nAM Best rating\n\nA++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group)\n\n**Why we chose it:** [Travelex](https:\/\/money.com\/pr\/peb7d4518e2a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice as the best travel insurance for families with children because it offers plans that cover family members under 17 at no additional cost.\n\nTravelex Insurance Service features three main plans for international trips: Advantage, Ultimate and the low-tier Essential plan for budget-conscious travelers. Essential includes key benefits like cancellation and trip interruption, baggage theft or loss and medical expenses. It also offers six optional upgrades including rental car damage, adventure activities and pet care.\n\nAdvantage is an affordable plan for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to \\$2,000 for trip delays or missed connections.\n***\n- Emergency medical \\$100,000 (accident and sickness)\n- Buy more while traveling\n- 24\/7 emergency support (Generali Global Assistance)\n\n- Does not cover pre-existing conditions\n- No \"cancel for any reason\" option offered\n- Trip Cancellation\/Interruption coverage low compared to other providers (\\$2.5K-\\$10K)\n\nHIGHLIGHTS\n\nAge restrictions\n\nInsures travelers under 70 years of age\n\nCoverage add-ons\n\nNone\n\nAM Best rating\n\nA (Nationwide)\n\n**Why we chose it:** [World Nomads](https:\/\/money.com\/pr\/u54a7cbc7e17?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies.\n\nIts Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24\/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft.\n\nWhile most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's \"Buy While Traveling\" plan. Those who already purchased a policy can also extend their coverage to keep exploring.\n***\nAds by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png)\n\n### Other travel insurance companies we considered\nIn this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:\n\n#### TravelInsurance.com\n**Why it didn't make the cut:** [TravelInsurance.com](https:\/\/money.com\/pr\/p379b35a171a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is a travel insurance comparison platform, not a direct insurer. That said, it's a great tool for users who want to compare plans from top travel insurance providers quickly and easily. Users can input their trip details and receive personalized quotes based on the travelers' ages and the duration and cost of the trip.\n\n#### Tin Leg\n**Why it didn’t make the cut:** [Tin Leg](https:\/\/money.com\/pr\/c6882b087980?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) has no coverage for rental car damage, limited customer service hours and limited baggage and personal effects coverage, even with the premium plan. On the plus side, some policies cover financial default and employment layoff, and the company also offers a rider to cover sports activities and equipment as well as a rider to cover cancellations for medical and work reasons.\n\n#### Berkshire Hathaway Travel Protection\n**Why it didn't make the cut:** [Berkshire Hathaway](https:\/\/money.com\/pr\/c6042f9e4a66?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) didn’t make our list of the best providers because its medical expense maximums are lower than those of competitors. Additionally, the basic plan does not include missed connection or accidental death and dismemberment coverage. Berkshire Hathaway stands out from competitors in one respect: its AirCare plan offers unique flight protection that monitors your flights and processes reimbursements automatically, so you don't even need to file a claim.\n\n## Travel Insurance Guide\n[Travel insurance](https:\/\/money.com\/what-is-travel-insurance\/) reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or injured during the trip.\n\nRead on to learn how travel insurance works and tips on how to select the right type of coverage.\n\n### What does travel insurance cover?\nComprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays.\n\nThe following are standard coverage options and add-ons.\n\n- **Trip cancellation insurance** refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for covered reasons.\n- **Trip interruption coverage** reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip.\n- **Travel delay coverage** reimburses you (up to the policy's coverage limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans.\n- **Baggage and personal effects coverage** refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to \\$2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.\n- **Emergency medical evacuation coverage** reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between \\$100,000 and \\$500,000 but can be as high as \\$1 million.\n- **Emergency [travel medical insurance](https:\/\/money.com\/what-is-travel-medical-insurance\/)** reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from \\$15,000 to \\$50,000. Coverage may apply even if you're [pregnant while traveling](https:\/\/money.com\/travel-insurance-when-pregnant\/).\n- **Worldwide assistance** offers 24\/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services.\n#### Popular travel insurance add-ons\n|   |   |\n|---|---|\n| Cancel for any reason coverage | CFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses. |\n| Pre-existing medical condition waiver | Adds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit. |\n| [Rental car insurance](https:\/\/money.com\/rental-car-coverage-and-travel-insurance\/) | Covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). |\n| Adventure sports coverage | Covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. |\n| Identity theft protection | Helps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents. |\n### What does travel insurance not cover?\nThe most common exclusions in a travel insurance policy are:\n\n- Pre-existing medical conditions\n- Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination\n- \"Foreseeable events\" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered)\n- Missed flights, where the traveler is at fault\n- Injuries caused by extreme sports\n- Theft\/loss of personal items such as electronic devices and jewelry\n- Pregnancy-related conditions\n### How much does travel insurance cost?\nThe [cost of travel insurance](https:\/\/money.com\/how-much-is-travel-insurance\/) can range from 4% to 12% of the total cost of your trip and depend on:\n\n- Your age\n- Your travel destination\n- The length of your trip\n- The types of travel insurance benefits and policy limits you select\n\n| Total trip cost | 6% of trip cost (estimated travel insurance cost) |\n|---|---|\n| \\$1,000 | \\$60 |\n| \\$1,500 | \\$90 |\n| \\$2,600 | \\$156 |\n| \\$3,200 | \\$192 |\n| \\$5,000 | \\$300 |\n\n\\* Insurance for a \\$2,200 trip for a family of four ranged from \\$90 to over \\$300, based on 6% of trip costs.\n\n### How much travel insurance do I need?\nBefore [buying travel insurance](https:\/\/money.com\/when-to-buy-travel-insurance\/), consider what losses you would incur if you were forced to cancel the trip because of an unexpected setback or medical emergency.\n\n- **Non-refundable travel expenses:** These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance.\n- **Potential medical emergencies:** Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of \\$50,000 in emergency medical coverage for international trips and \\$100,000 for cruises and trips to remote locations.\n- **Additional coverage needs:** Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from trip insurance policies.\n### Is travel insurance worth it?\n[Travel insurance could be worth it](https:\/\/money.com\/is-travel-insurance-worth-it\/) in specific situations. Before buying a policy, consider the following scenarios.\n\n| **You may want travel insurance if:** | **You may not need travel insurance if:** |\n|---|---|\n| You've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events. | You're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits). |\n| You're traveling internationally and need coverage for medical emergencies and evacuation. | You can get reimbursed for trip expenses, especially costly ones. |\n| You're visiting an area where weather is unpredictable or there is political unrest. | You're going on a short and relatively low-risk trip. |\n| You plan to participate in high-risk activities such as skiing or scuba diving. | You can afford to cover emergency expenses out of pocket. |\n### How to get travel insurance\nYou can [buy travel insurance after booking a flight](https:\/\/money.com\/can-you-buy-travel-insurance-after-booking-a-flight\/). However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades.\n\nThe best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging.\n\n#### 1\\. Define your travel insurance needs\nConsider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers.\n\n[Business travel insurance](https:\/\/money.com\/allianz-travel-insurance-review\/) is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as [Nationwide's cruise insurance plans](https:\/\/money.com\/nationwide-travel-insurance-review\/), and students in overseas programs may want to look into a plan like [Trawick International Insurance](https:\/\/money.com\/trawick-international-travel-insurance-review\/).\n\n#### 2\\. Review the policy limits\nEach travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.\n\n#### 3\\. Check the policy's fine print\nBefore finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved.\n\nTravelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage.\n\nTake a moment to check if emergency assistance services are available 24\/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.\n\n#### 4\\. Compare travel insurance quotes\nWe recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still [find cheap travel insurance](https:\/\/money.com\/how-to-find-cheap-travel-insurance\/) that will cover the essentials, such as medical expenses and personal effects.\n\nConsider the following when comparing quotes:\n\n- Affordability\n- Maximum payout limits for baggage loss or theft\n- Minimum wait time before you can file a claim for baggage loss and trip delays\n- Policy terms regarding pre-existing medical conditions\n- Maximum payout limits for medical expenses and emergency evacuation\n- Available add-ons such as \"Cancel for Any Reason\"\n### Credit card travel insurance\nMany credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you [compare credit card travel coverage with travel insurance](https:\/\/money.com\/credit-card-vs-travel-insurance\/), you'll see that most credit cards lack medical expenses and emergency evacuation coverage.\n\nRead our guide to the [best travel credit cards](https:\/\/money.com\/best-travel-credit-card\/) for more information on how your credit card can help you travel smarter.\n\n## Methodology\nAs part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile:\n\n- Family of four traveling from New York City to London\n- \\$2,200 on flight tickets for all four travelers\n\nWe then reviewed the available plans and looked at the following factors to evaluate and compare each company:\n\n- **Plans and coverage:** We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment.\n- **Reputation**: To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.\n- **Customer service and support:** We rated companies higher for having a 24\/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services.\n- **Ease of use:** We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.\n## Latest News in Travel Insurance\nOn Jan. 3, a U.S. military attack in Venezuela prompted the Federal Aviation Administration (FAA) to issue emergency restrictions on U.S. commercial flights in Venezuelan airspace and portions of the Caribbean, disrupting [hundreds of flights](https:\/\/apnews.com\/article\/caribbean-flight-canceled-maduro-venezuela-d8d7006de25f0b95bea3a0d0ff3757eb) during a busy travel period and leaving many passengers temporarily stranded.The FAA lifted the temporary airspace ban Jan. 4 (there is still a [travel advisory](https:\/\/travel.state.gov\/en\/international-travel\/travel-advisories.html) in place for some areas).\n\nSimilarly, on Feb. 22, civil unrest in parts of Mexico led to flight cancellations and delays at Guadalajara International Airport and Puerto Vallarta's Licenciado Gustavo Díaz Ordaz International Airport. Airlines temporarily suspended or rerouted flights, leaving travelers with missed connections and extended layovers. As of the time of writing, all [restrictions related to the unrest](https:\/\/mx.usembassy.gov\/security-alert-final-update-ongoing-security-operations-u-s-mission-mexico-february-25-2026\/) have been lifted by the U.S. State Department.\n\nMore recently, a partial U.S. government shutdown caused widespread disruptions at airports across the country, as staffing shortages among TSA agents led to [long security lines](https:\/\/www.npr.org\/2026\/03\/25\/nx-s1-5760981\/tsa-wait-times-lines), missed flights and rebooking challenges.\n\nThis is the type of disruption for which one buys travel insurance, but in some cases, policyholders may never see a payout. Standard travel insurance policies typically exclude coverage for disruptions caused by acts of war, terrorism or civil unrest — and [may not cover missed flights due to issues like long TSA lines](https:\/\/www.npr.org\/2026\/03\/28\/nx-s1-5762756\/airport-lines-tsa-shutdown-delays-flights-rebooking). Still, coverage can vary significantly by policy. It's wise to keep receipts of delay-related expenses such as extra nights at a hotel, meals and ground transportation costs, and file a claim. You *may* be reimbursed if your delays are caused by secondary issues such as mechanical failures and limited aircraft inventory.\n\nTravel Insurance FAQ\n\n### Do I need travel insurance?\nTravel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary.\n\n### How does travel insurance work?\nTravel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied.\n\n### When is it too late to buy travel insurance?\nOnce you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like \"cancel for any reason,\" \"trip interruption for any reason,\" and pre-existing condition waivers.\n\n### What is a pre-existing condition for travel insurance?\nIllnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings.\n## Summary of Money's 7 Best Travel Insurance Companies of April 2026\n- **[AIG Travel Guard](https:\/\/money.com\/best-travel-insurance\/#aig)** \\- Best for Add-Ons\n- **[Allianz Travel](https:\/\/money.com\/best-travel-insurance\/#allianz)** - Best for Business Travel\n- **[HTH Travel Insurance](https:\/\/money.com\/best-travel-insurance\/#hth)** \\- Best for Long-Term Insurance for International Travel\n- [**Nationwide**](https:\/\/money.com\/best-travel-insurance\/#nationwide) - Best Cruise Travel Insurance\n- **[Seven Corners](https:\/\/money.com\/best-travel-insurance\/#sevencorners)** \\- Best for Large Groups\n- **[Travelex](https:\/\/money.com\/best-travel-insurance\/#travelex)** \\- Best for Families with Children\n- **[World Nomads](https:\/\/money.com\/best-travel-insurance\/#world)** \\- Best for Adventure Sports Coverage","meta_canonical":null}

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Meta Description	Here are the best travel insurers of April 2026: Allianz (Best for Business Travel), AIG (Best Add-ons) and Travelex (Best for Families).
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Boilerpipe Text	The seven best travel insurance companies for April 2026 include AIG Travel Guard, Allianz Travel and Nationwide. Methodology: We reviewed travel insurance quotes for a family of four traveling from New York City to London and evaluated each company based on plan variety, coverage options, reputation, customer service and support and ease of use. Editor’s take: The best travel insurance companies typically offer customizable plans, strong coverage for emergencies and trip interruptions and 24/7 multilingual support. Updated April 2026. Travel insurance can help limit your financial losses when trips don't go as planned. From unexpected medical bills abroad to canceled flights and lost baggage, the right policy can save travelers from paying thousands out of pocket. Policies vary widely in what they cover and how much they pay out, making it especially important to compare providers before you buy. Below, we highlight the best travel insurance companies based on coverage, cost and how well each insurer supports travelers when plans go sideways. What to know about travel insurance Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses. Purchase travel insurance right after booking the trip to get the best coverage. Our top picks include AIG Travel Guard, Seven Corners and Allianz Travel. How we chose our top picks To select our top picks, our team vetted 15 companies after conducting 1,000+ hours of research based on 15+ data points. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups. Read the full methodology to learn more. Our Top Picks for the Best Travel Insurance AIG Travel Guard - Best for Add-Ons Allianz Travel - Best for Business Travel HTH Travel Insurance - Best for Long-Term Insurance for International Travel Nationwide - Best Cruise Travel Insurance Seven Corners - Best for Large Groups Travelex - Best for Families with Children World Nomads - Best for Adventure Sports Coverage Lodging expense benefit Trip saver and exchange specialized coverage included A child 17 and under is covered per insured Covers trips to Cuba if the traveler provides additional documentation High cost of premiums Most add-ons are not available for the basic plan HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons CFAR, waiver for pre-existing conditions and extra medical coverage AM Best rating A Why we chose it: We chose AIG Travel Guard as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans. AIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed. Travel Guard’s post-departure benefits also cover you if your travel companion cancels unexpectedly and you have to cover the trip's expenses yourself. Lastly, there's a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance. Free kids-included pricing on its most popular plan (not available for Pennsylvania residents) Allianz TravelSmart App Annual plan geared to business travelers 24-hour multilingual assistance hotline Low medical coverage No "cancel for any reason" benefit HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons Rental car collision/loss, cancel anytime, cancel for work, pre-existing conditions waiver AM Best rating A+ Why we chose it: Allianz Travel is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection. Allianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more. Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent. Travel medical insurance for groups of five or more International expatriate comprehensive coverage Passport app to find doctors, pharmacies, and translations of drug names Pet medical expense coverage 12-hour wait for bag delay coverage (24 hours under the economy plan) "Cancel for any reason" option is only offered in the Preferred plan Eligibility for the multi-trip plan requires primary health insurance HIGHLIGHTS Age restrictions Insures travelers up to 95 years of age Coverage add-ons CFAR and International Expatriate Travel coverage AM Best rating A (Nationwide) Why we chose it: HTH Travel Insurance is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students. HTH's long-term international health insurance options include policies for expatriates, crew missionaries and students. Benefits include no deductible for office visits, no waiting periods for preventive care services and no waiting period for pre-existing conditions with proof of prior coverage. HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment. Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms. Offers a pre-existing condition waiver 24-hour assistance Multi-trip plans Must wait 12 hours before bag delay coverage "Cancel for any reason" only available for the Premium plan Few options for additional coverage. HIGHLIGHTS Age restrictions Insures travelers up to 81 years of age Coverage add-ons Rental car collision/loss, accidental death & dismemberment AM Best rating A Why we chose it: We picked Nationwide as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs. Nationwide's emergency medical coverage starts at $75,000, and all three plan tiers include “cancel for work reasons” coverage, a $500 return-home-early benefit, $200 in coverage for shipboard service disruption, and $25,000 for non-medical evacuations. Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs. Coverage from five up to 364 days Allows coverage extensions Website includes sample scenarios to illustrate how the coverage works Hazardous activities not included in coverage (add-on only) Different plan options for WA, NY, PA, and MO residents HIGHLIGHTS Age restrictions Insures travelers 14 days of age to 100 years old Coverage add-ons CFAR, Interruption for Any Reason, Event Ticket Registration Fee AM Best rating A (United States Fire Insurance Company) Why we chose it: We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations. Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains. In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24/7 multilingual customer service. Flight insurance plans available Pre-existing conditions waiver Several upgrades available Customer service has limited operating hours No annual or multi-trip plans HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons Pre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage AM Best rating A++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group) Why we chose it: Travelex is our choice as the best travel insurance for families with children because it offers plans that cover family members under 17 at no additional cost. Travelex Insurance Service features three main plans for international trips: Advantage, Ultimate and the low-tier Essential plan for budget-conscious travelers. Essential includes key benefits like cancellation and trip interruption, baggage theft or loss and medical expenses. It also offers six optional upgrades including rental car damage, adventure activities and pet care. Advantage is an affordable plan for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to $2,000 for trip delays or missed connections. Emergency medical $100,000 (accident and sickness) Buy more while traveling 24/7 emergency support (Generali Global Assistance) Does not cover pre-existing conditions No "cancel for any reason" option offered Trip Cancellation/Interruption coverage low compared to other providers ($2.5K-$10K) HIGHLIGHTS Age restrictions Insures travelers under 70 years of age Coverage add-ons None AM Best rating A (Nationwide) Why we chose it: World Nomads is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies. Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft. While most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's "Buy While Traveling" plan. Those who already purchased a policy can also extend their coverage to keep exploring. Ads by Money. We may be compensated if you click this ad. Ad Other travel insurance companies we considered In this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider: TravelInsurance.com Why it didn't make the cut: TravelInsurance.com is a travel insurance comparison platform, not a direct insurer. That said, it's a great tool for users who want to compare plans from top travel insurance providers quickly and easily. Users can input their trip details and receive personalized quotes based on the travelers' ages and the duration and cost of the trip. Tin Leg Why it didn’t make the cut: Tin Leg has no coverage for rental car damage, limited customer service hours and limited baggage and personal effects coverage, even with the premium plan. On the plus side, some policies cover financial default and employment layoff, and the company also offers a rider to cover sports activities and equipment as well as a rider to cover cancellations for medical and work reasons. Berkshire Hathaway Travel Protection Why it didn't make the cut: Berkshire Hathaway didn’t make our list of the best providers because its medical expense maximums are lower than those of competitors. Additionally, the basic plan does not include missed connection or accidental death and dismemberment coverage. Berkshire Hathaway stands out from competitors in one respect: its AirCare plan offers unique flight protection that monitors your flights and processes reimbursements automatically, so you don't even need to file a claim. Travel Insurance Guide Travel insurance reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or injured during the trip. Read on to learn how travel insurance works and tips on how to select the right type of coverage. What does travel insurance cover? Comprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays. The following are standard coverage options and add-ons. Trip cancellation insurance refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for covered reasons. Trip interruption coverage reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip. Travel delay coverage reimburses you (up to the policy's coverage limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans. Baggage and personal effects coverage refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to $2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible. Emergency medical evacuation coverage reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 and $500,000 but can be as high as $1 million. Emergency travel medical insurance reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you're pregnant while traveling . Worldwide assistance offers 24/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services. Popular travel insurance add-ons Cancel for any reason coverage CFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses. Pre-existing medical condition waiver Adds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit. Rental car insurance Covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). Adventure sports coverage Covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. Identity theft protection Helps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents. What does travel insurance not cover? The most common exclusions in a travel insurance policy are: Pre-existing medical conditions Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination "Foreseeable events" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered) Missed flights, where the traveler is at fault Injuries caused by extreme sports Theft/loss of personal items such as electronic devices and jewelry Pregnancy-related conditions How much does travel insurance cost? The cost of travel insurance can range from 4% to 12% of the total cost of your trip and depend on: Your age Your travel destination The length of your trip The types of travel insurance benefits and policy limits you select Total trip cost 6% of trip cost (estimated travel insurance cost) $1,000 $60 $1,500 $90 $2,600 $156 $3,200 $192 $5,000 $300 * Insurance for a $2,200 trip for a family of four ranged from $90 to over $300, based on 6% of trip costs. How much travel insurance do I need? Before buying travel insurance , consider what losses you would incur if you were forced to cancel the trip because of an unexpected setback or medical emergency. Non-refundable travel expenses: These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance. Potential medical emergencies: Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of $50,000 in emergency medical coverage for international trips and $100,000 for cruises and trips to remote locations. Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from trip insurance policies. Is travel insurance worth it? Travel insurance could be worth it in specific situations. Before buying a policy, consider the following scenarios. You may want travel insurance if: You may not need travel insurance if: You've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events. You're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits). You're traveling internationally and need coverage for medical emergencies and evacuation. You can get reimbursed for trip expenses, especially costly ones. You're visiting an area where weather is unpredictable or there is political unrest. You're going on a short and relatively low-risk trip. You plan to participate in high-risk activities such as skiing or scuba diving. You can afford to cover emergency expenses out of pocket. How to get travel insurance You can buy travel insurance after booking a flight . However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades. The best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging. 1. Define your travel insurance needs Consider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers. Business travel insurance is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as Nationwide's cruise insurance plans , and students in overseas programs may want to look into a plan like Trawick International Insurance . 2. Review the policy limits Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items. 3. Check the policy's fine print Before finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved. Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage. Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen. 4. Compare travel insurance quotes We recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still find cheap travel insurance that will cover the essentials, such as medical expenses and personal effects. Consider the following when comparing quotes: Affordability Maximum payout limits for baggage loss or theft Minimum wait time before you can file a claim for baggage loss and trip delays Policy terms regarding pre-existing medical conditions Maximum payout limits for medical expenses and emergency evacuation Available add-ons such as "Cancel for Any Reason" Credit card travel insurance Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you compare credit card travel coverage with travel insurance , you'll see that most credit cards lack medical expenses and emergency evacuation coverage. Read our guide to the best travel credit cards for more information on how your credit card can help you travel smarter. Methodology As part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile: Family of four traveling from New York City to London $2,200 on flight tickets for all four travelers We then reviewed the available plans and looked at the following factors to evaluate and compare each company: Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment. Reputation : To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings. Customer service and support: We rated companies higher for having a 24/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services. Ease of use: We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan. Latest News in Travel Insurance On Jan. 3, a U.S. military attack in Venezuela prompted the Federal Aviation Administration (FAA) to issue emergency restrictions on U.S. commercial flights in Venezuelan airspace and portions of the Caribbean, disrupting hundreds of flights during a busy travel period and leaving many passengers temporarily stranded.The FAA lifted the temporary airspace ban Jan. 4 (there is still a travel advisory in place for some areas). Similarly, on Feb. 22, civil unrest in parts of Mexico led to flight cancellations and delays at Guadalajara International Airport and Puerto Vallarta's Licenciado Gustavo Díaz Ordaz International Airport. Airlines temporarily suspended or rerouted flights, leaving travelers with missed connections and extended layovers. As of the time of writing, all restrictions related to the unrest have been lifted by the U.S. State Department. More recently, a partial U.S. government shutdown caused widespread disruptions at airports across the country, as staffing shortages among TSA agents led to long security lines , missed flights and rebooking challenges. This is the type of disruption for which one buys travel insurance, but in some cases, policyholders may never see a payout. Standard travel insurance policies typically exclude coverage for disruptions caused by acts of war, terrorism or civil unrest — and may not cover missed flights due to issues like long TSA lines . Still, coverage can vary significantly by policy. It's wise to keep receipts of delay-related expenses such as extra nights at a hotel, meals and ground transportation costs, and file a claim. You may be reimbursed if your delays are caused by secondary issues such as mechanical failures and limited aircraft inventory. Travel Insurance FAQ Do I need travel insurance? chevron-down chevron-up Travel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary. How does travel insurance work? chevron-down chevron-up Travel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied. When is it too late to buy travel insurance? chevron-down chevron-up Once you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like "cancel for any reason," "trip interruption for any reason," and pre-existing condition waivers. What is a pre-existing condition for travel insurance? chevron-down chevron-up Illnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings. Summary of Money's 7 Best Travel Insurance Companies of April 2026 AIG Travel Guard - Best for Add-Ons Allianz Travel - Best for Business Travel HTH Travel Insurance - Best for Long-Term Insurance for International Travel Nationwide - Best Cruise Travel Insurance Seven Corners - Best for Large Groups Travelex - Best for Families with Children World Nomads - Best for Adventure Sports Coverage
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Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). 1. [Insurance](https://money.com/insurance/) 2. [Travel Insurance](https://money.com/travel-insurance/) Share Share Page URL https://money.com/best-travel-insurance/ ![](data:image/png;base64,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) Link copied\! # 7 Best Travel Insurance Companies of April 2026 By: [Bianca Rodríguez Rojas](https://money.com/author/bianca-rodriguez-rojas/) ![Bianca Rodríguez Rojas, expert in Background Checks, General Finance, and Writer at Money](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) [Bianca Rodríguez Rojas](https://money.com/author/bianca-rodriguez-rojas/) Writer \\| Joined February 2022 Bianca Rodríguez Rojas was a staff writer at Money who specialized in background checks and other consumer finance topics. Has also written: - [6 Best Car Insurance Companies of 2025](https://money.com/best-auto-insurance/) - [What Is Adult Day Care?](https://money.com/what-is-adult-daycare/) - [How Long Should Your Life Insurance Policy Last?](https://money.com/choosing-a-life-insurance-term/) - [7 Best Travel Insurance for Seniors](https://money.com/best-travel-insurance-for-seniors/) - [Break-In Trends in 2024](https://money.com/break-in-trends-in-2024/) [See full bio](https://money.com/author/bianca-rodriguez-rojas/) Editor: [Mallika Mitra](https://money.com/author/mallika-mitra/) ![Mallika Mitra, expert in Investing, Personal Finance, and Contributor at Money](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) [Mallika Mitra](https://money.com/author/mallika-mitra/) Contributor \\| Joined May 2020 Mallika Mitra is a contributor to Money, where she covers investing, crypto, debt and many other personal finance beats. Her byline has appeared in the Wall Street Journal, Barrons, and USA Today. Has also written: - [Is Pet Insurance Worth It in 2026? What the Data Shows](https://money.com/is-pet-insurance-worth-it/) - [8 Best Credit Monitoring Services of April 2026](https://money.com/best-credit-monitoring-services/) - [8 Best Tax Relief Companies of April 2026](https://money.com/best-tax-relief-companies/) - [Best Banks for CD Rates for April 2026](https://money.com/best-cd-rates/) - [Why More Pet Owners Are Feeling Financially Stretched](https://money.com/rising-pet-costs-financial-stress/) [See full bio](https://money.com/author/mallika-mitra/) Updated by: [Liliana Hall](https://money.com/author/liliana-hall/) [Liliana Hall](https://money.com/author/liliana-hall/) Reporter \\| Joined March 2025 Liliana Hall joined Money in 2025. She is an Austin-based reporter for Money, where she covers a range of topics, including financial news, policy, banking, investing, passive income, financial planning and student loan debt. Has also written: - [The Lifetime Cost of a Pet — and How to Pay for It](https://money.com/lifetime-cost-of-owning-a-dog-or-cat/) - [More Pet Owners Are Going Into Debt to Pay Vet Bills. Here's Why That's Risky](https://money.com/pet-owners-debt-vet-bills-rising-costs/) - [How to Insure an E-Bike, Moped or Scooter](https://money.com/insurance-e-bikes-mopeds-scooters/) - [Why You Probably Need Flood Insurance — Even if You Don't Live Near Water](https://money.com/flood-insurance-costs-fema-texas/) - [5 Common Myths About Car Insurance Costs, Debunked](https://money.com/myths-about-car-insurance-costs/) [See full bio](https://money.com/author/liliana-hall/) Published: Apr 2, 2026 21 min read ![](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) ## Key Taleaways The seven best travel insurance companies for April 2026 include AIG Travel Guard, Allianz Travel and Nationwide. - Methodology: We reviewed travel insurance quotes for a family of four traveling from New York City to London and evaluated each company based on plan variety, coverage options, reputation, customer service and support and ease of use. - Editor’s take: The best travel insurance companies typically offer customizable plans, strong coverage for emergencies and trip interruptions and 24/7 multilingual support. - Updated April 2026. Travel insurance can help limit your financial losses when trips don't go as planned. From unexpected medical bills abroad to canceled flights and lost baggage, the right policy can save travelers from paying thousands out of pocket. Policies vary widely in what they cover and how much they pay out, making it especially important to compare providers before you buy. Below, we highlight the best travel insurance companies based on coverage, cost and how well each insurer supports travelers when plans go sideways. Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) Our Partner Company Highlight TOP PARTNER [![Faye Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/go/15469ebb3584?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085044&ptid=578415426&ptoken=0ff0d3c78f2d327ea3f892d107546a91&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Our Partner [GET QUOTES](https://money.com/go/15469ebb3584?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085044&ptid=578415426&ptoken=0ff0d3c78f2d327ea3f892d107546a91&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) "Cancel For Any Reason” (CFAR) availability "Cancel For Any Reason” (CFAR) availability - Access to a Network of 20K Telemedicine Doctors in 21 Languages - Includes trip cancellation, baggage delay/loss, and flight delays - Emergency medical expenses coverage are included in the coverage [![TravelInsurance.com Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/go/dfc2cf908fa3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085038&ptid=578415426&ptoken=44ffd193ef713049958ce5078d03fc15&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Our Partner [GET QUOTES](https://money.com/go/dfc2cf908fa3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085038&ptid=578415426&ptoken=44ffd193ef713049958ce5078d03fc15&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) 🏖️ Best Price Guarantee - Buy Online\! - Coverage for Non-Refundable Trip Costs - Missed Port & Connection Protection - Emergency Medical & Dental Care at Sea - Baggage Loss, Theft & Delay Protection [![Travel Guard Insurance Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/go/3892e7d94346?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085034&ptid=578415426&ptoken=b3b56e57fa10ba741a323d202533a89a&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Our Partner [GET QUOTES](https://money.com/go/3892e7d94346?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085034&ptid=578415426&ptoken=b3b56e57fa10ba741a323d202533a89a&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Get an Instant Quote from AIG Travel Guard - Domestic, Road Trips & Weekend Travel Coverage - Coverage for International Trips - Cruises, Family Travel, Seniors - 24/7 Emergency Assistance [![IMG Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/go/03cf9e425633?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085048&ptid=578415426&ptoken=6ee662cc150eeb8678a39c0757eda72c&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Our Partner [GET QUOTES](https://money.com/go/03cf9e425633?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085048&ptid=578415426&ptoken=6ee662cc150eeb8678a39c0757eda72c&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Trip Cancellation, Delay & Interruption Coverage - Emergency Medical + Global 24/7 Assistance - Delayed or Lost Baggage Protection Included - Flexible Plans for Single Trips or Annual Travel ### What to know about travel insurance - Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses. - Purchase travel insurance right after booking the trip to get the best coverage. - Our top picks include AIG Travel Guard, Seven Corners and Allianz Travel. ### How we chose our top picks To select our top picks, our team vetted 15 companies after conducting 1,000+ hours of research based on 15+ data points. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups. Read the [full methodology](https://money.com/best-travel-insurance/#method) to learn more. ## Our Top Picks for the Best Travel Insurance - [AIG Travel Guard](https://money.com/best-travel-insurance/#aig) \- Best for Add-Ons - [Allianz Travel](https://money.com/best-travel-insurance/#allianz) - Best for Business Travel - [HTH Travel Insurance](https://money.com/best-travel-insurance/#hth) \- Best for Long-Term Insurance for International Travel - [Nationwide](https://money.com/best-travel-insurance/#nationwide) - Best Cruise Travel Insurance - [Seven Corners](https://money.com/best-travel-insurance/#sevencorners) \- Best for Large Groups - [Travelex](https://money.com/best-travel-insurance/#travelex) \- Best for Families with Children - [World Nomads](https://money.com/best-travel-insurance/#world) \- Best for Adventure Sports Coverage Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) Select your state to find your Travel Insurance Policy Protect a carefully-planned trip with coverage for delays, illness, lost luggage, and even natural disasters—the best travel insurance can soften the impact of unforeseen events. Hawaii Alaska Florida South Carolina Georgia Alabama North Carolina Tennessee [RI](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=02901) Rhode Island [CT](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=06101) Connecticut [MA](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=02108) Massachusetts Maine [NH](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=03301) New Hampshire [VT](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=05601) Vermont New York [NJ](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=08601) New Jersey [DE](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=19901) Delaware [MD](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=21401) Maryland West Virginia Ohio Michigan Arizona Nevada Utah Colorado New Mexico South Dakota Iowa Indiana Illinois Minnesota Wisconsin Missouri Louisiana Virginia [DC](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F&zip=20500) Washington DC Idaho California North Dakota Washington Oregon Montana Wyoming Nebraska Kansas Oklahoma Pennsylvania Kentucky Mississippi Arkansas Texas [View Rates](https://money.com/pr/h2e5a14ae710?ap_referrer=%2Fbest-travel-insurance%2F) * ### Best for Add-Ons: AIG Travel Guard [![Travel Guard Insurance Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/lcd80498f932?ap_referrer=%2Fbest-travel-insurance%2F) Our Partner [View Rates](https://money.com/pr/lcd80498f932?ap_referrer=%2Fbest-travel-insurance%2F) Pros - Lodging expense benefit - Trip saver and exchange specialized coverage included - A child 17 and under is covered per insured - Covers trips to Cuba if the traveler provides additional documentation Cons - High cost of premiums - Most add-ons are not available for the basic plan HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons CFAR, waiver for pre-existing conditions and extra medical coverage AM Best rating A Why we chose it: We chose [AIG Travel Guard](https://money.com/pr/w2fd7ee8b6e0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans. AIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed. Travel Guard’s post-departure benefits also cover you if your travel companion cancels unexpectedly and you have to cover the trip's expenses yourself. Lastly, there's a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance. * ### Best for Business Travel: Allianz Travel [![Allianz Global Assistance Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/de75308c8768?ap_referrer=%2Fbest-travel-insurance%2F&url=) Our Partner [View Rates](https://money.com/pr/de75308c8768?ap_referrer=%2Fbest-travel-insurance%2F&url=) Pros - Free kids-included pricing on its most popular plan (not available for Pennsylvania residents) - Allianz TravelSmart App - Annual plan geared to business travelers - 24-hour multilingual assistance hotline Cons - Low medical coverage - No "cancel for any reason" benefit HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons Rental car collision/loss, cancel anytime, cancel for work, pre-existing conditions waiver AM Best rating A+ Why we chose it: [Allianz Travel](https://money.com/pr/l1c53f517d51?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection. Allianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more. Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent. * ### Best for Long-Term International Travel Insurance: HTH Travel Insurance [![HTH Worldwide Travel Insurance Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/v5ee481c0108?ap_referrer=%2Fbest-travel-insurance%2F) [View Rates](https://money.com/pr/v5ee481c0108?ap_referrer=%2Fbest-travel-insurance%2F) Pros - Travel medical insurance for groups of five or more - International expatriate comprehensive coverage - Passport app to find doctors, pharmacies, and translations of drug names - Pet medical expense coverage Cons - 12-hour wait for bag delay coverage (24 hours under the economy plan) - "Cancel for any reason" option is only offered in the Preferred plan - Eligibility for the multi-trip plan requires primary health insurance HIGHLIGHTS Age restrictions Insures travelers up to 95 years of age Coverage add-ons CFAR and International Expatriate Travel coverage AM Best rating A (Nationwide) Why we chose it: [HTH Travel Insurance](https://money.com/pr/le09935bd2b2?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students. HTH's long-term international health insurance options include policies for expatriates, crew missionaries and students. Benefits include no deductible for office visits, no waiting periods for preventive care services and no waiting period for pre-existing conditions with proof of prior coverage. HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment. Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms. * ### Best Cruise Travel Insurance: Nationwide [![Nationwide Travel Insurance Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/q56a172640c1?ap_referrer=%2Fbest-travel-insurance%2F) [View Rates](https://money.com/pr/q56a172640c1?ap_referrer=%2Fbest-travel-insurance%2F) Pros - Offers a pre-existing condition waiver - 24-hour assistance - Multi-trip plans Cons - Must wait 12 hours before bag delay coverage - "Cancel for any reason" only available for the Premium plan - Few options for additional coverage. HIGHLIGHTS Age restrictions Insures travelers up to 81 years of age Coverage add-ons Rental car collision/loss, accidental death & dismemberment AM Best rating A Why we chose it: We picked [Nationwide](https://money.com/pr/ib6ba7c3008b?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs. Nationwide's emergency medical coverage starts at \$75,000, and all three plan tiers include “cancel for work reasons” coverage, a \$500 return-home-early benefit, \$200 in coverage for shipboard service disruption, and \$25,000 for non-medical evacuations. Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at \$75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs. * ### Best for Large Groups: Seven Corners Travel Insurance [![Seven Corners Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/kd2abe4f9a0e?ap_referrer=%2Fbest-travel-insurance%2F) Our Partner [View Rates](https://money.com/pr/kd2abe4f9a0e?ap_referrer=%2Fbest-travel-insurance%2F) Pros - Coverage from five up to 364 days - Allows coverage extensions - Website includes sample scenarios to illustrate how the coverage works Cons - Hazardous activities not included in coverage (add-on only) - Different plan options for WA, NY, PA, and MO residents HIGHLIGHTS Age restrictions Insures travelers 14 days of age to 100 years old Coverage add-ons CFAR, Interruption for Any Reason, Event Ticket Registration Fee AM Best rating A (United States Fire Insurance Company) Why we chose it: We chose [Seven Corners](https://money.com/pr/uc6bd5d54d53?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations. Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to \$500,000 and offers up to \$1,000,000 for medical evacuation and repatriation of remains. In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24/7 multilingual customer service. * ### Best for Families with Children: Travelex [![Travelex Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/af283826b732?ap_referrer=%2Fbest-travel-insurance%2F) Our Partner [View Rates](https://money.com/pr/af283826b732?ap_referrer=%2Fbest-travel-insurance%2F) Pros - Flight insurance plans available - Pre-existing conditions waiver - Several upgrades available Cons - Customer service has limited operating hours - No annual or multi-trip plans HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons Pre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage AM Best rating A++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group) Why we chose it: [Travelex](https://money.com/pr/peb7d4518e2a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice as the best travel insurance for families with children because it offers plans that cover family members under 17 at no additional cost. Travelex Insurance Service features three main plans for international trips: Advantage, Ultimate and the low-tier Essential plan for budget-conscious travelers. Essential includes key benefits like cancellation and trip interruption, baggage theft or loss and medical expenses. It also offers six optional upgrades including rental car damage, adventure activities and pet care. Advantage is an affordable plan for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to \$2,000 for trip delays or missed connections. * ### Best for Adventure Sports Coverage: World Nomads [![World Nomads Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=)](https://money.com/pr/l8b7a17e90ca?ap_referrer=%2Fbest-travel-insurance%2F) [View Rates](https://money.com/pr/l8b7a17e90ca?ap_referrer=%2Fbest-travel-insurance%2F) Pros - Emergency medical \$100,000 (accident and sickness) - Buy more while traveling - 24/7 emergency support (Generali Global Assistance) Cons - Does not cover pre-existing conditions - No "cancel for any reason" option offered - Trip Cancellation/Interruption coverage low compared to other providers (\$2.5K-\$10K) HIGHLIGHTS Age restrictions Insures travelers under 70 years of age Coverage add-ons None AM Best rating A (Nationwide) Why we chose it: [World Nomads](https://money.com/pr/u54a7cbc7e17?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies. Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft. While most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's "Buy While Traveling" plan. Those who already purchased a policy can also extend their coverage to keep exploring. * Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) Quote, compare, and buy in minutes—best price guaranteed ![TravelInsurance.com Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) [View Rates](https://money.com/go/1567090d5e54?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085028&ptid=578415427&ptoken=f40efb7995dab8e2f2cc3dbedb1bdeb3&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) 🏖️ Best Price Guarantee - Buy Online\! - Coverage for Non-Refundable Trip Costs - Missed Port & Connection Protection - Emergency Medical & Dental Care at Sea - Baggage Loss, Theft & Delay Protection Travel concierge services with premium plans ![Travel Guard Insurance Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) [View Rates](https://money.com/go/9713eeed1700?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085026&ptid=578415427&ptoken=562cb48bc103206e685b7e567425bceb&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Get an Instant Quote from AIG Travel Guard - Domestic, Road Trips & Weekend Travel Coverage - Coverage for International Trips - Cruises, Family Travel, Seniors - 24/7 Emergency Assistance Cancel-For-Any-Reason Coverage Options ![SquareMouth Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) [View Rates](https://money.com/go/6558b680c6e3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085031&ptid=578415427&ptoken=c701d00d00c109b6c93c4d3ae88fd089&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) ✈️ Quote & Compare Best Travel Insurance - Same Price as Purchasing Directly from the Providers - Trip Cancellation, Medical & Cancel for Any Reason Policies - Cruise Insurance, Group Travel & Annual Policies Fast Claims & 24/7 Travel Support ![Faye Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) [View Rates](https://money.com/go/50c9e35d47d3?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085049&ptid=578415427&ptoken=933d208ebaf32d0db23a0e1364d7efe9&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) "Cancel For Any Reason” (CFAR) availability - Access to a Network of 20K Telemedicine Doctors in 21 Languages - Includes trip cancellation, baggage delay/loss, and flight delays - Emergency medical expenses coverage are included in the coverage Quick quote — no payment details or email required ![Generali (Direct) Logo](data:image/png;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=) [View Rates](https://money.com/go/ff1c75cfdcdf?ap_referrer=%2Fbest-travel-insurance%2F&bidid=3430085051&ptid=578415427&ptoken=a46bdf4bdfcfbf0658fef86fdbeaba61&ua=Mozilla%2F5.0+%28compatible%3B+AhrefsBot%2F7.0%3B+%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F%29) Trusted by Over 6 Million Travelers Annually - Medical & Dental Emergencies - Trip Delays, Interruptions & Cancellations - Coverage for Baggage & Personal Items - 24/7 Travel Assistance ### Other travel insurance companies we considered In this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider: #### TravelInsurance.com Why it didn't make the cut: [TravelInsurance.com](https://money.com/pr/p379b35a171a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is a travel insurance comparison platform, not a direct insurer. That said, it's a great tool for users who want to compare plans from top travel insurance providers quickly and easily. Users can input their trip details and receive personalized quotes based on the travelers' ages and the duration and cost of the trip. #### Tin Leg Why it didn’t make the cut: [Tin Leg](https://money.com/pr/c6882b087980?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) has no coverage for rental car damage, limited customer service hours and limited baggage and personal effects coverage, even with the premium plan. On the plus side, some policies cover financial default and employment layoff, and the company also offers a rider to cover sports activities and equipment as well as a rider to cover cancellations for medical and work reasons. #### Berkshire Hathaway Travel Protection Why it didn't make the cut: [Berkshire Hathaway](https://money.com/pr/c6042f9e4a66?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) didn’t make our list of the best providers because its medical expense maximums are lower than those of competitors. Additionally, the basic plan does not include missed connection or accidental death and dismemberment coverage. Berkshire Hathaway stands out from competitors in one respect: its AirCare plan offers unique flight protection that monitors your flights and processes reimbursements automatically, so you don't even need to file a claim. ## Travel Insurance Guide [Travel insurance](https://money.com/what-is-travel-insurance/) reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or injured during the trip. Read on to learn how travel insurance works and tips on how to select the right type of coverage. ### What does travel insurance cover? Comprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays. The following are standard coverage options and add-ons. - Trip cancellation insurance refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for covered reasons. - Trip interruption coverage reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip. - Travel delay coverage reimburses you (up to the policy's coverage limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans. - Baggage and personal effects coverage refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to \$2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible. - Emergency medical evacuation coverage reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between \$100,000 and \$500,000 but can be as high as \$1 million. - Emergency [travel medical insurance](https://money.com/what-is-travel-medical-insurance/) reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from \$15,000 to \$50,000. Coverage may apply even if you're [pregnant while traveling](https://money.com/travel-insurance-when-pregnant/). - Worldwide assistance** offers 24/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services. #### Popular travel insurance add-ons \| \| \| \|---\|---\| \| Cancel for any reason coverage \| CFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses. \| \| Pre-existing medical condition waiver \| Adds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit. \| \| [Rental car insurance](https://money.com/rental-car-coverage-and-travel-insurance/) \| Covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). \| \| Adventure sports coverage \| Covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. \| \| Identity theft protection \| Helps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents. \| ### What does travel insurance not cover? The most common exclusions in a travel insurance policy are: - Pre-existing medical conditions - Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination - "Foreseeable events" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered) - Missed flights, where the traveler is at fault - Injuries caused by extreme sports - Theft/loss of personal items such as electronic devices and jewelry - Pregnancy-related conditions ### How much does travel insurance cost? The [cost of travel insurance](https://money.com/how-much-is-travel-insurance/) can range from 4% to 12% of the total cost of your trip and depend on: - Your age - Your travel destination - The length of your trip - The types of travel insurance benefits and policy limits you select \| Total trip cost \| 6% of trip cost (estimated travel insurance cost) \| \|---\|---\| \| \$1,000 \| \$60 \| \| \$1,500 \| \$90 \| \| \$2,600 \| \$156 \| \| \$3,200 \| \$192 \| \| \$5,000 \| \$300 \| \* Insurance for a \$2,200 trip for a family of four ranged from \$90 to over \$300, based on 6% of trip costs. ### How much travel insurance do I need? Before [buying travel insurance](https://money.com/when-to-buy-travel-insurance/), consider what losses you would incur if you were forced to cancel the trip because of an unexpected setback or medical emergency. - Non-refundable travel expenses: These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance. - Potential medical emergencies: Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of \$50,000 in emergency medical coverage for international trips and \$100,000 for cruises and trips to remote locations. - Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from trip insurance policies. ### Is travel insurance worth it? [Travel insurance could be worth it](https://money.com/is-travel-insurance-worth-it/) in specific situations. Before buying a policy, consider the following scenarios. \| You may want travel insurance if: \| You may not need travel insurance if: \| \|---\|---\| \| You've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events. \| You're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits). \| \| You're traveling internationally and need coverage for medical emergencies and evacuation. \| You can get reimbursed for trip expenses, especially costly ones. \| \| You're visiting an area where weather is unpredictable or there is political unrest. \| You're going on a short and relatively low-risk trip. \| \| You plan to participate in high-risk activities such as skiing or scuba diving. \| You can afford to cover emergency expenses out of pocket. \| ### How to get travel insurance You can [buy travel insurance after booking a flight](https://money.com/can-you-buy-travel-insurance-after-booking-a-flight/). However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades. The best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging. #### 1\. Define your travel insurance needs Consider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers. [Business travel insurance](https://money.com/allianz-travel-insurance-review/) is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as [Nationwide's cruise insurance plans](https://money.com/nationwide-travel-insurance-review/), and students in overseas programs may want to look into a plan like [Trawick International Insurance](https://money.com/trawick-international-travel-insurance-review/). #### 2\. Review the policy limits Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items. #### 3\. Check the policy's fine print Before finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved. Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage. Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen. #### 4\. Compare travel insurance quotes We recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still [find cheap travel insurance](https://money.com/how-to-find-cheap-travel-insurance/) that will cover the essentials, such as medical expenses and personal effects. Consider the following when comparing quotes: - Affordability - Maximum payout limits for baggage loss or theft - Minimum wait time before you can file a claim for baggage loss and trip delays - Policy terms regarding pre-existing medical conditions - Maximum payout limits for medical expenses and emergency evacuation - Available add-ons such as "Cancel for Any Reason" ### Credit card travel insurance Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you [compare credit card travel coverage with travel insurance](https://money.com/credit-card-vs-travel-insurance/), you'll see that most credit cards lack medical expenses and emergency evacuation coverage. Read our guide to the [best travel credit cards](https://money.com/best-travel-credit-card/) for more information on how your credit card can help you travel smarter. ## Methodology As part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile: - Family of four traveling from New York City to London - \$2,200 on flight tickets for all four travelers We then reviewed the available plans and looked at the following factors to evaluate and compare each company: - Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment. - Reputation: To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings. - Customer service and support: We rated companies higher for having a 24/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services. - Ease of use: We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan. ## Latest News in Travel Insurance On Jan. 3, a U.S. military attack in Venezuela prompted the Federal Aviation Administration (FAA) to issue emergency restrictions on U.S. commercial flights in Venezuelan airspace and portions of the Caribbean, disrupting [hundreds of flights](https://apnews.com/article/caribbean-flight-canceled-maduro-venezuela-d8d7006de25f0b95bea3a0d0ff3757eb) during a busy travel period and leaving many passengers temporarily stranded.The FAA lifted the temporary airspace ban Jan. 4 (there is still a [travel advisory](https://travel.state.gov/en/international-travel/travel-advisories.html) in place for some areas). Similarly, on Feb. 22, civil unrest in parts of Mexico led to flight cancellations and delays at Guadalajara International Airport and Puerto Vallarta's Licenciado Gustavo Díaz Ordaz International Airport. Airlines temporarily suspended or rerouted flights, leaving travelers with missed connections and extended layovers. As of the time of writing, all [restrictions related to the unrest](https://mx.usembassy.gov/security-alert-final-update-ongoing-security-operations-u-s-mission-mexico-february-25-2026/) have been lifted by the U.S. State Department. More recently, a partial U.S. government shutdown caused widespread disruptions at airports across the country, as staffing shortages among TSA agents led to [long security lines](https://www.npr.org/2026/03/25/nx-s1-5760981/tsa-wait-times-lines), missed flights and rebooking challenges. This is the type of disruption for which one buys travel insurance, but in some cases, policyholders may never see a payout. Standard travel insurance policies typically exclude coverage for disruptions caused by acts of war, terrorism or civil unrest — and [may not cover missed flights due to issues like long TSA lines](https://www.npr.org/2026/03/28/nx-s1-5762756/airport-lines-tsa-shutdown-delays-flights-rebooking). Still, coverage can vary significantly by policy. It's wise to keep receipts of delay-related expenses such as extra nights at a hotel, meals and ground transportation costs, and file a claim. You may be reimbursed if your delays are caused by secondary issues such as mechanical failures and limited aircraft inventory. ## Travel Insurance FAQ ### Do I need travel insurance? Travel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary. ### How does travel insurance work? Travel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied. ### When is it too late to buy travel insurance? Once you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like "cancel for any reason," "trip interruption for any reason," and pre-existing condition waivers. ### What is a pre-existing condition for travel insurance? Illnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings. ## Summary of Money's 7 Best Travel Insurance Companies of April 2026 - [AIG Travel Guard](https://money.com/best-travel-insurance/#aig) \- Best for Add-Ons - [Allianz Travel](https://money.com/best-travel-insurance/#allianz) - Best for Business Travel - [HTH Travel Insurance](https://money.com/best-travel-insurance/#hth) \- Best for Long-Term Insurance for International Travel - [Nationwide](https://money.com/best-travel-insurance/#nationwide) - Best Cruise Travel Insurance - [Seven Corners](https://money.com/best-travel-insurance/#sevencorners) \- Best for Large Groups - [Travelex](https://money.com/best-travel-insurance/#travelex) \- Best for Families with Children - [World Nomads](https://money.com/best-travel-insurance/#world) \- Best for Adventure Sports Coverage - Categories - [Current Mortgage Rates](https://money.com/current-mortgage-rates/) - [Best Mortgage Lenders](https://money.com/best-mortgage-lenders/) - [How Much Home Can You Afford](https://money.com/how-much-house-can-i-afford/) - [Best Mortgage Refinance](https://money.com/best-mortgage-refinance/) - [Everything About Reverse Mortgages](https://money.com/what-is-a-reverse-mortgage/) - [Best Credit Cards](https://money.com/best-credit-cards/) - [Best Banks](https://money.com/best-banks/) - [Best Savings Accounts](https://money.com/best-savings-accounts/) - [Best Moving Companies](https://money.com/best-moving-companies/) - Best of Money - [Best Student Loans](https://money.com/student-loans/) - [Best Student Loan Refinance](https://money.com/best-student-loan-refinance/) - [Best Credit Repair](https://money.com/best-credit-repair-companies/) - [Best Personal Loans](https://money.com/best-personal-loans/) - [Best Auto Insurance](https://money.com/best-auto-insurance/) - [Cheapest Car Insurance](https://money.com/best-cheap-car-insurance/) - [Best Home Insurance](https://money.com/best-home-insurance/) - [Best Life Insurance](https://money.com/best-life-insurance/) - [Best Home Warranties](https://money.com/best-home-warranties/) - Resources - [Newsletters](https://money.com/subscribe/) - [Best Banks](https://money.com/best-banks/) - [Best Colleges](https://money.com/best-colleges/) - [Best Hospitals](https://money.com/best-hospitals/) - [Best Places to Live](https://money.com/best-places-to-live/) - [Best Places to Travel](https://money.com/best-places-to-travel/) - [Best Travel Insurance](https://money.com/best-travel-insurance/) - [Best Pet Insurance](https://money.com/best-pet-insurance/) - Money - [About](https://money.com/about/) - [Contact](https://money.com/contact/) - [Team](https://money.com/team/) - [Privacy Policy](https://money.com/privacy/) - [Terms of Use](https://money.com/terms/) - [Do Not Sell My Personal Information](https://www.adpractitioners.com/eu-data-request?site=money.com) - [Your California Privacy Rights](https://money.com/privacy/#privacy-notice-for-california-residents) - [Licenses & Disclosures](https://money.com/page/insurance-licenses/) - [Advertising](https://money.com/contact/) - [Sitemap](https://money.com/money/html-sitemap/) - [Careers](https://moneygroup.pr/careers/) Connect Physical Address Money Group, LLC Distrito T-Mobile 250 Convention Blvd San Juan, PR 00907 Mailing Address Metro Office Park 7 calle 1, Suite 204 Guaynabo, PR 00968 ![BBB Rating A+](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) BBB Rating A+ © Copyright 2026 [Money Group, LLC.](https://moneygroup.pr/). 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Readable Markdown	The seven best travel insurance companies for April 2026 include AIG Travel Guard, Allianz Travel and Nationwide. - Methodology: We reviewed travel insurance quotes for a family of four traveling from New York City to London and evaluated each company based on plan variety, coverage options, reputation, customer service and support and ease of use. - Editor’s take: The best travel insurance companies typically offer customizable plans, strong coverage for emergencies and trip interruptions and 24/7 multilingual support. - Updated April 2026. Travel insurance can help limit your financial losses when trips don't go as planned. From unexpected medical bills abroad to canceled flights and lost baggage, the right policy can save travelers from paying thousands out of pocket. Policies vary widely in what they cover and how much they pay out, making it especially important to compare providers before you buy. Below, we highlight the best travel insurance companies based on coverage, cost and how well each insurer supports travelers when plans go sideways. ### What to know about travel insurance - Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses. - Purchase travel insurance right after booking the trip to get the best coverage. - Our top picks include AIG Travel Guard, Seven Corners and Allianz Travel. ### How we chose our top picks To select our top picks, our team vetted 15 companies after conducting 1,000+ hours of research based on 15+ data points. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups. Read the [full methodology](https://money.com/best-travel-insurance/#method) to learn more. ## Our Top Picks for the Best Travel Insurance - [AIG Travel Guard](https://money.com/best-travel-insurance/#aig) \- Best for Add-Ons - [Allianz Travel](https://money.com/best-travel-insurance/#allianz) - Best for Business Travel - [HTH Travel Insurance](https://money.com/best-travel-insurance/#hth) \- Best for Long-Term Insurance for International Travel - [Nationwide](https://money.com/best-travel-insurance/#nationwide) - Best Cruise Travel Insurance - [Seven Corners](https://money.com/best-travel-insurance/#sevencorners) \- Best for Large Groups - [Travelex](https://money.com/best-travel-insurance/#travelex) \- Best for Families with Children - [World Nomads](https://money.com/best-travel-insurance/#world) \- Best for Adventure Sports Coverage * - Lodging expense benefit - Trip saver and exchange specialized coverage included - A child 17 and under is covered per insured - Covers trips to Cuba if the traveler provides additional documentation - High cost of premiums - Most add-ons are not available for the basic plan HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons CFAR, waiver for pre-existing conditions and extra medical coverage AM Best rating A Why we chose it: We chose [AIG Travel Guard](https://money.com/pr/w2fd7ee8b6e0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options to customize their plans. AIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed. Travel Guard’s post-departure benefits also cover you if your travel companion cancels unexpectedly and you have to cover the trip's expenses yourself. Lastly, there's a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance. * - Free kids-included pricing on its most popular plan (not available for Pennsylvania residents) - Allianz TravelSmart App - Annual plan geared to business travelers - 24-hour multilingual assistance hotline - Low medical coverage - No "cancel for any reason" benefit HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons Rental car collision/loss, cancel anytime, cancel for work, pre-existing conditions waiver AM Best rating A+ Why we chose it: [Allianz Travel](https://money.com/pr/l1c53f517d51?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection. Allianz offers 10 distinct travel insurance plans, ranging from basic cancellation coverage to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more. Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent. * - Travel medical insurance for groups of five or more - International expatriate comprehensive coverage - Passport app to find doctors, pharmacies, and translations of drug names - Pet medical expense coverage - 12-hour wait for bag delay coverage (24 hours under the economy plan) - "Cancel for any reason" option is only offered in the Preferred plan - Eligibility for the multi-trip plan requires primary health insurance HIGHLIGHTS Age restrictions Insures travelers up to 95 years of age Coverage add-ons CFAR and International Expatriate Travel coverage AM Best rating A (Nationwide) Why we chose it: [HTH Travel Insurance](https://money.com/pr/le09935bd2b2?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students. HTH's long-term international health insurance options include policies for expatriates, crew missionaries and students. Benefits include no deductible for office visits, no waiting periods for preventive care services and no waiting period for pre-existing conditions with proof of prior coverage. HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment. Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms. * - Offers a pre-existing condition waiver - 24-hour assistance - Multi-trip plans - Must wait 12 hours before bag delay coverage - "Cancel for any reason" only available for the Premium plan - Few options for additional coverage. HIGHLIGHTS Age restrictions Insures travelers up to 81 years of age Coverage add-ons Rental car collision/loss, accidental death & dismemberment AM Best rating A Why we chose it: We picked [Nationwide](https://money.com/pr/ib6ba7c3008b?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs. Nationwide's emergency medical coverage starts at \$75,000, and all three plan tiers include “cancel for work reasons” coverage, a \$500 return-home-early benefit, \$200 in coverage for shipboard service disruption, and \$25,000 for non-medical evacuations. Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at \$75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs. * - Coverage from five up to 364 days - Allows coverage extensions - Website includes sample scenarios to illustrate how the coverage works - Hazardous activities not included in coverage (add-on only) - Different plan options for WA, NY, PA, and MO residents HIGHLIGHTS Age restrictions Insures travelers 14 days of age to 100 years old Coverage add-ons CFAR, Interruption for Any Reason, Event Ticket Registration Fee AM Best rating A (United States Fire Insurance Company) Why we chose it: We chose [Seven Corners](https://money.com/pr/uc6bd5d54d53?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations. Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to \$500,000 and offers up to \$1,000,000 for medical evacuation and repatriation of remains. In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24/7 multilingual customer service. * - Flight insurance plans available - Pre-existing conditions waiver - Several upgrades available - Customer service has limited operating hours - No annual or multi-trip plans HIGHLIGHTS Age restrictions Insures travelers of all ages Coverage add-ons Pre-existing conditions waiver, adventure sports, accidental death and dismemberment, CFAR, car rental collision, additional medical coverage AM Best rating A++ (Berkshire Hathaway Specialty Insurance), A+ (Zurich Insurance Group) Why we chose it: [Travelex](https://money.com/pr/peb7d4518e2a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is our choice as the best travel insurance for families with children because it offers plans that cover family members under 17 at no additional cost. Travelex Insurance Service features three main plans for international trips: Advantage, Ultimate and the low-tier Essential plan for budget-conscious travelers. Essential includes key benefits like cancellation and trip interruption, baggage theft or loss and medical expenses. It also offers six optional upgrades including rental car damage, adventure activities and pet care. Advantage is an affordable plan for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to \$2,000 for trip delays or missed connections. * - Emergency medical \$100,000 (accident and sickness) - Buy more while traveling - 24/7 emergency support (Generali Global Assistance) - Does not cover pre-existing conditions - No "cancel for any reason" option offered - Trip Cancellation/Interruption coverage low compared to other providers (\$2.5K-\$10K) HIGHLIGHTS Age restrictions Insures travelers under 70 years of age Coverage add-ons None AM Best rating A (Nationwide) Why we chose it: [World Nomads](https://money.com/pr/u54a7cbc7e17?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies. Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft. While most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's "Buy While Traveling" plan. Those who already purchased a policy can also extend their coverage to keep exploring. * Ads by Money. We may be compensated if you click this ad.Ad![Ads by Money disclaimer](https://s3.money.com/prd/image/image/15240/163e573e-202a-466a-b8b8-93da65db2b13.png) ### Other travel insurance companies we considered In this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider: #### TravelInsurance.com Why it didn't make the cut: [TravelInsurance.com](https://money.com/pr/p379b35a171a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) is a travel insurance comparison platform, not a direct insurer. That said, it's a great tool for users who want to compare plans from top travel insurance providers quickly and easily. Users can input their trip details and receive personalized quotes based on the travelers' ages and the duration and cost of the trip. #### Tin Leg Why it didn’t make the cut: [Tin Leg](https://money.com/pr/c6882b087980?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) has no coverage for rental car damage, limited customer service hours and limited baggage and personal effects coverage, even with the premium plan. On the plus side, some policies cover financial default and employment layoff, and the company also offers a rider to cover sports activities and equipment as well as a rider to cover cancellations for medical and work reasons. #### Berkshire Hathaway Travel Protection Why it didn't make the cut: [Berkshire Hathaway](https://money.com/pr/c6042f9e4a66?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-travel-insurance%252F) didn’t make our list of the best providers because its medical expense maximums are lower than those of competitors. Additionally, the basic plan does not include missed connection or accidental death and dismemberment coverage. Berkshire Hathaway stands out from competitors in one respect: its AirCare plan offers unique flight protection that monitors your flights and processes reimbursements automatically, so you don't even need to file a claim. ## Travel Insurance Guide [Travel insurance](https://money.com/what-is-travel-insurance/) reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or injured during the trip. Read on to learn how travel insurance works and tips on how to select the right type of coverage. ### What does travel insurance cover? Comprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays. The following are standard coverage options and add-ons. - Trip cancellation insurance refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for covered reasons. - Trip interruption coverage reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Covered events include natural disasters and medical emergencies. Insurers typically cap reimbursement at 150% of the cost of the trip. - Travel delay coverage reimburses you (up to the policy's coverage limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans. - Baggage and personal effects coverage refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to \$2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible. - Emergency medical evacuation coverage reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between \$100,000 and \$500,000 but can be as high as \$1 million. - Emergency [travel medical insurance](https://money.com/what-is-travel-medical-insurance/) reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from \$15,000 to \$50,000. Coverage may apply even if you're [pregnant while traveling](https://money.com/travel-insurance-when-pregnant/). - Worldwide assistance offers 24/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services. #### Popular travel insurance add-ons \| \| \| \|---\|---\| \| Cancel for any reason coverage \| CFAR coverage allows you to cancel your travel plans for any reason and get reimbursed for 50% to 75% of pre-paid, non-refundable expenses. \| \| Pre-existing medical condition waiver \| Adds coverage for pre-existing medical conditions. Travelers must select this option within a certain number of days after making their initial trip deposit. \| \| [Rental car insurance](https://money.com/rental-car-coverage-and-travel-insurance/) \| Covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). \| \| Adventure sports coverage \| Covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. \| \| Identity theft protection \| Helps you notify creditors, cancel your cards, and get a replacement for your lost passport, credit card or other important documents. \| ### What does travel insurance not cover? The most common exclusions in a travel insurance policy are: - Pre-existing medical conditions - Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination - "Foreseeable events" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Insurance claims related to COVID-19 illness may be covered) - Missed flights, where the traveler is at fault - Injuries caused by extreme sports - Theft/loss of personal items such as electronic devices and jewelry - Pregnancy-related conditions ### How much does travel insurance cost? The [cost of travel insurance](https://money.com/how-much-is-travel-insurance/) can range from 4% to 12% of the total cost of your trip and depend on: - Your age - Your travel destination - The length of your trip - The types of travel insurance benefits and policy limits you select \| Total trip cost \| 6% of trip cost (estimated travel insurance cost) \| \|---\|---\| \| \$1,000 \| \$60 \| \| \$1,500 \| \$90 \| \| \$2,600 \| \$156 \| \| \$3,200 \| \$192 \| \| \$5,000 \| \$300 \| \* Insurance for a \$2,200 trip for a family of four ranged from \$90 to over \$300, based on 6% of trip costs. ### How much travel insurance do I need? Before [buying travel insurance](https://money.com/when-to-buy-travel-insurance/), consider what losses you would incur if you were forced to cancel the trip because of an unexpected setback or medical emergency. - Non-refundable travel expenses: These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance. - Potential medical emergencies: Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of \$50,000 in emergency medical coverage for international trips and \$100,000 for cruises and trips to remote locations. - Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from trip insurance policies. ### Is travel insurance worth it? [Travel insurance could be worth it](https://money.com/is-travel-insurance-worth-it/) in specific situations. Before buying a policy, consider the following scenarios. \| You may want travel insurance if: \| You may not need travel insurance if: \| \|---\|---\| \| You've pre-paid for high-cost, non-refundable expenses like tours, concerts or sporting events. \| You're traveling domestically and have alternate coverage (car insurance, medical insurance that covers you across state lines, and a credit card that offers travel benefits). \| \| You're traveling internationally and need coverage for medical emergencies and evacuation. \| You can get reimbursed for trip expenses, especially costly ones. \| \| You're visiting an area where weather is unpredictable or there is political unrest. \| You're going on a short and relatively low-risk trip. \| \| You plan to participate in high-risk activities such as skiing or scuba diving. \| You can afford to cover emergency expenses out of pocket. \| ### How to get travel insurance You can [buy travel insurance after booking a flight](https://money.com/can-you-buy-travel-insurance-after-booking-a-flight/). However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades. The best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging. #### 1\. Define your travel insurance needs Consider your reasons for traveling, including who’s going with you and your planned activities. Also, note how long you'll be away. You may need an annual travel insurance plan for long trips, which can narrow down your choice of providers. [Business travel insurance](https://money.com/allianz-travel-insurance-review/) is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as [Nationwide's cruise insurance plans](https://money.com/nationwide-travel-insurance-review/), and students in overseas programs may want to look into a plan like [Trawick International Insurance](https://money.com/trawick-international-travel-insurance-review/). #### 2\. Review the policy limits Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as sports equipment, cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items. #### 3\. Check the policy's fine print Before finalizing any document, make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved. Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage. Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen. #### 4\. Compare travel insurance quotes We recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still [find cheap travel insurance](https://money.com/how-to-find-cheap-travel-insurance/) that will cover the essentials, such as medical expenses and personal effects. Consider the following when comparing quotes: - Affordability - Maximum payout limits for baggage loss or theft - Minimum wait time before you can file a claim for baggage loss and trip delays - Policy terms regarding pre-existing medical conditions - Maximum payout limits for medical expenses and emergency evacuation - Available add-ons such as "Cancel for Any Reason" ### Credit card travel insurance Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you [compare credit card travel coverage with travel insurance](https://money.com/credit-card-vs-travel-insurance/), you'll see that most credit cards lack medical expenses and emergency evacuation coverage. Read our guide to the [best travel credit cards](https://money.com/best-travel-credit-card/) for more information on how your credit card can help you travel smarter. ## Methodology As part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile: - Family of four traveling from New York City to London - \$2,200 on flight tickets for all four travelers We then reviewed the available plans and looked at the following factors to evaluate and compare each company: - Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment. - Reputation: To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings. - Customer service and support: We rated companies higher for having a 24/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services. - Ease of use: We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan. ## Latest News in Travel Insurance On Jan. 3, a U.S. military attack in Venezuela prompted the Federal Aviation Administration (FAA) to issue emergency restrictions on U.S. commercial flights in Venezuelan airspace and portions of the Caribbean, disrupting [hundreds of flights](https://apnews.com/article/caribbean-flight-canceled-maduro-venezuela-d8d7006de25f0b95bea3a0d0ff3757eb) during a busy travel period and leaving many passengers temporarily stranded.The FAA lifted the temporary airspace ban Jan. 4 (there is still a [travel advisory](https://travel.state.gov/en/international-travel/travel-advisories.html) in place for some areas). Similarly, on Feb. 22, civil unrest in parts of Mexico led to flight cancellations and delays at Guadalajara International Airport and Puerto Vallarta's Licenciado Gustavo Díaz Ordaz International Airport. Airlines temporarily suspended or rerouted flights, leaving travelers with missed connections and extended layovers. As of the time of writing, all [restrictions related to the unrest](https://mx.usembassy.gov/security-alert-final-update-ongoing-security-operations-u-s-mission-mexico-february-25-2026/) have been lifted by the U.S. State Department. More recently, a partial U.S. government shutdown caused widespread disruptions at airports across the country, as staffing shortages among TSA agents led to [long security lines](https://www.npr.org/2026/03/25/nx-s1-5760981/tsa-wait-times-lines), missed flights and rebooking challenges. This is the type of disruption for which one buys travel insurance, but in some cases, policyholders may never see a payout. Standard travel insurance policies typically exclude coverage for disruptions caused by acts of war, terrorism or civil unrest — and [may not cover missed flights due to issues like long TSA lines](https://www.npr.org/2026/03/28/nx-s1-5762756/airport-lines-tsa-shutdown-delays-flights-rebooking). Still, coverage can vary significantly by policy. It's wise to keep receipts of delay-related expenses such as extra nights at a hotel, meals and ground transportation costs, and file a claim. You may be reimbursed if your delays are caused by secondary issues such as mechanical failures and limited aircraft inventory. Travel Insurance FAQ ### Do I need travel insurance? Travel insurance can provide invaluable peace of mind, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight expenses, medical bills and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary. ### How does travel insurance work? Travel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied. ### When is it too late to buy travel insurance? Once you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like "cancel for any reason," "trip interruption for any reason," and pre-existing condition waivers. ### What is a pre-existing condition for travel insurance? Illnesses or injuries diagnosed 60 to 180 days before purchasing a policy are considered pre-existing conditions. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings. ## Summary of Money's 7 Best Travel Insurance Companies of April 2026 - [AIG Travel Guard](https://money.com/best-travel-insurance/#aig) \- Best for Add-Ons - [Allianz Travel](https://money.com/best-travel-insurance/#allianz) - Best for Business Travel - [HTH Travel Insurance](https://money.com/best-travel-insurance/#hth) \- Best for Long-Term Insurance for International Travel - [Nationwide](https://money.com/best-travel-insurance/#nationwide) - Best Cruise Travel Insurance - [Seven Corners](https://money.com/best-travel-insurance/#sevencorners) \- Best for Large Groups - [Travelex](https://money.com/best-travel-insurance/#travelex) \- Best for Families with Children - [World Nomads](https://money.com/best-travel-insurance/#world) \- Best for Adventure Sports Coverage
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