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URLhttps://www.forbes.com/advisor/travel-insurance/best-travel-insurance/
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Meta Title10 Best Travel Insurance Companies of 2026 – Forbes Advisor
Meta DescriptionTo identify the best travel insurance, we evaluated 69 policies from 23 companies. We scored policies on cost, medical expense, delay benefits and more. Our findings show a range in price and coverage limits so read our reviews to determine the best trip insurance policy that suits your needs.
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Compare & Buy Travel Insurance Leaving Home Returning Home Main Destination The Best Travel Insurance Companies Ranked Nationwide Travel Insurance: Cruise Luxury 4.9 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR CRUISES $280 $250,000/$1 million Our Expert Review We like Nationwide’s Cruise Luxury policy for its cruise-specific advantages. It includes $1,000 in itinerary change benefits for prepaid excursions you miss if a cruise changes course. It also has a $250 inconvenience benefit for delays caused by a fire or mechanical breakdown. Its evacuation benefits are superior, with $1 million for medical evacuations and $25,000 for nonmedical evacuations per person. Missed connection benefits of $2,500 are also outstanding. This policy’s average cost was the fourth-lowest among the top 10 policies in our analysis. Note that you do not have to be going on a cruise to take advantage of this policy’s robust coverage. More: Nationwide Travel Insurance Review Pros and Cons Offers a “cancel for any reason” (CFAR) upgrade with reimbursement of 75% and an “interruption for any reason” (IFAR) upgrade that provides up to $1,000 per person Travel delay coverage of $1,000 is a bit low compared to some competitors with $2,000 to $3,000 Good baggage delay of $1,000 with a short six-hour delay period Long 24-hour delay required for inclement weather coverage, compared to some competitors with only a 12-hour delay requirement Excellent baggage insurance of $2,500 per person Medical expense coverage of $250,000 is great but some top-rated policies have $500,000 WorldTrips: Atlas Journey Elevate 4.8 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR PRICE $210 $250,000/$1 million Our Expert Review The competitive pricing of the Atlas Journey Elevate policy from WorldTrips helped it score well in our analysis: It has the lowest average cost among the top 10 policies in our rankings. It also provides strong coverage. Its medical evacuation coverage is exceptional, with $1 million in benefits per person. Other noteworthy benefits include excellent coverage of $600 for baggage delays and $2,500 for baggage loss per person. We also like that Atlas Journey Elevate policy has a short five-hour waiting period for travel delays. More: WorldTrips Travel Insurance Review Pros and Cons You can add an “interruption for any reason” upgrade with 150% reimbursement and a “cancel for any reason” upgrade with either 50% or 75% reimbursement Waiting period for baggage delay coverage is long at 12 hours, compared to some competitors with 6 hours Decent missed connection coverage of $1,500 per person Solid travel healthcare insurance benefits of $250,000 per person, though some competitors offer higher limits of $500,000 per person Upgrades are available for adventure sports, rental car coverage and pet medical and kennel expenses No mobile app Seven Corners: Cruise Insurance 4.7 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR SHORT DELAY WAITING PERIODS $354 $250,000/$500,000 Our Expert Review One of the reasons we like Seven Corners’s Cruise Insurance policy is its short waiting period of six hours for travel and baggage delays—many competitors have 12 hours or longer. We also like that it includes a $500 per person benefit if your cruise is diverted or disabled. Additionally, it provides $500 per person for itinerary changes that force you to miss prepaid activities or that eliminate a destination from the itinerary. One drawback is that the Cruise Insurance plan’s average cost is only so-so—the fourth-highest cheapest out of the 10 top policies in our rankings. Note that you do not have to be going on a cruise to take advantage of this policy’s coverage. More: Seven Corners Travel Insurance Review Pros and Cons Offers “cancel for any reason” and “interruption for any reason” upgrades, reimbursing 75% of nonrefundable costs Inclement weather coverage requires a 48-hour delay, compared to some competitors that require only 12 hours. Excellent missed connection benefits of $1,500 Good travel medical coverage of $250,000 per person, but you can find policies from competitors that provide $500,000 per person Provides decent baggage insurance of $2,000 per person Travel delay benefits of $1,000 are good, but some top-rated policies have $2,000 or more Starr: Premier 4.6 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR BAGGAGE INSURANCE $420 $250,000/$500,000 Our Expert Review Starr’s Premier policy stands out in our evaluation for its generous baggage insurance of $2,500. It also provides great coverage of $500 for baggage delays after a 12-hour delay, which is half the time of some competitors. Other notable features include good travel delay benefits of $1,500 with a short waiting period of six hours. We also like that “cancel for any reason” coverage is available as an upgrade. Starr Premier’s average cost is the second-highest among the 10 top-rated policies in our rankings. More: Starr Travel Insurance Review Pros and Cons Employment layoff and financial default of a travel provider covered by trip cancellation and interruption benefits Missed connection benefits of only $750 per person compared to $1,000 or more offered by some competitors Benefits of $200 to provide reimbursement for fees to change the dates for your airline ticket due to a reason listed in your policy Solid travel medical coverage of $250,000 per person, though some competitors offer higher limits of $500,000 Generali Global Assistance: Premium 4.5 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR PREEXISTING MEDICAL CONDITION COVERAGE $264 $250,000/$1 million Our Expert Review Generali’s Premium policy stood out in our analysis for its generous window for getting preexisting medical condition coverage. Travelers with preexisting conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making a first trip deposit. We also like that it has the second-lowest average cost among the 10 top-rated policies we evaluated. The policy has a short six-hour waiting period for travel delay coverage and $500 per person for baggage delays after 12 hours. More: Generali Global Assistance Travel Insurance Review Pros and Cons Excellent trip interruption insurance of 175% of trip costs, compared to most competitors’ 150% Good travel healthcare coverage of $250,000 per person, though some competitors offer higher limits of $500,000 Short waiting period of six hours for travel delay coverage Travel delay benefits are good at $1,000, but some competitors have twice that or more Sporting equipment protection of $2,000 and $500 for sporting equipment delays HTH Worldwide: TripProtector Preferred Plan 4.3 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR TRAVEL DISRUPTIONS $403 $500,000/$1 million Our Expert Review HTH Worldwide’s TripProtector Preferred policy is worth a look if you’re worried about disruptions once your trip has started. The policy has superior trip interruption benefits of 200% of the trip cost—most competitors provide 150%. Travel delay benefits are outstanding at $2,000 per person, with a short six-hour waiting period. Missed connection coverage is decent at $1,000 per person after a three-hour delay. However, the TripProtector Preferred policy’s average cost was the third most expensive among the top 10 policies in our rankings. More: HTH Worldwide Travel Insurance Review Pros and Cons Superior travel medical coverage of $500,000 and medical evacuation coverage of $1 million No “cancel for work” coverage or “hospital of choice” feature Offers CFAR upgrade with 75% reimbursement of insured trip cost Baggage delay coverage of $400 is low compared to some competitors $35,000 in rental car coverage PrimeCover: Luxe 4.3 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR EVACUATION $286 $250,000/$1 million Our Expert Review One reason to like PrimeCover’s Luxe policy is its superior medical evacuation coverage of up to $1 million per person. The Luxe policy also has a “hospital of choice” feature, allowing you to be transported to your preferred treatment facility after initial care at the nearest adequate medical center. Nonmedical evacuation benefits of $100,000 per person are also included. The policy also excels in trip interruption coverage, reimbursing up to 200% of the trip cost, surpassing the 150% offered by many competitors. We also like that you can buy a “cancel for any reason” (CFAR) upgrade with 75% reimbursement. And it all comes at a good price: The Luxe policy’s average cost ranks fifth lowest among the top 10 policies in our rankings. More: PrimeCover Travel Insurance Review Pros and Cons Includes rental car damage ($50,000) and search and rescue ($5,000 per person). Medical expense coverage of $250,000 per person is good, but some competitors provide $500,000. Travel delay benefits are excellent, with $3,000 for travel delays after just a six-hour wait and $600 for baggage delays with a short eight-hour wait Offers “interruption for any reason” upgrade with 60% reimbursement, which is decent but some competitors have 75%.  Baggage insurance of $3,000 is among the highest of top-rated policies Travelex: Ultimate 4.1 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR ADD-ON COVERAGE $360 $250,000/$1 million Our Expert Review Travelex’s Ultimate policy stood out in our analysis thanks to its impressive array of add-on options. Adventure travelers can buy add-on benefits for activities usually excluded from coverage. Adventurers will also appreciate the $100,000 in security evacuation and $10,000 in search and rescue benefits. Add-on coverage for pets is also available, providing $250 for boarding fees if your return is delayed and $2,500 for vet expenses if your dog or cat becomes sick or injured during the trip. Other upgrades you can opt for: rental property security deposit reimbursement,  “cancel for business reasons”, CFAR and rental car coverage. The policy includes $2,000 in baggage insurance per person and you can choose to increase these limits by $3,000 to $5,000. If you opt for that, the upgrade also adds coverage for sporting equipment rental ($2,000), sporting equipment delay ($1,500) and electronic or business equipment ($2,000). The Ultimate’s average cost ranks as the third-cheapest among the top 10 policies in our rankings. More: Travelex Travel Insurance Review Pros and Cons Superior evacuation coverage of $1 million that includes a “hospital of choice” feature that allows you to select a preferred treatment facility after initial care Travel medical coverage of $250,000 per person in the base policy is lower than some competitors, but there is an optional upgrade to boost this to $500,000 Travel delay benefits are robust at $2,000 per person after just a five-hour waiting period Missed connection benefits of $750 are low compared to some top-scoring policies with $1,000 Includes $600 for trip inconveniences such as beach or attraction closures and cruise ship disablement Waiting period for baggage delay is 12 hours, compared to some top-rated policies with only 6 hours Trawick International: Safe Travels Voyager 4.1 Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR TRAVEL DELAYS $332 $250,000/$1 million Our Expert Review We’re impressed by the Safe Travels Voyager plan’s travel delay benefits of $3,000, which are among the highest of the 69 plans we researched. If you plan to rent a car during your trip, it has great rental car coverage of $35,000. We also like that the policy offers a decent choice of upgrades and short waiting periods for delays. The Safe Travels Voyager plan has great travel delay benefits of $3,000 per person after a short six-hour waiting period. For added convenience, trip delay coverage can be hiked to $4,000 or $7,000. The average cost of the Safe Travels Voyager policy is the fifth highest among the top 10 policies in our rankings. More: Trawick Travel Insurance Review Pros and Cons Employment layoff and financial default of a travel provider covered. Travel medical coverage of $250,000 is half that of some competitors, but you can increase to $500,000 if you buy the upgrade Offers CFAR upgrade at 75% compensation of insured trip costs Offers “interruption for any reason” upgrade but only at 50% reimbursement, compared to some top-rated policies with 75% reimbursement Baggage insurance is excellent, with delay coverage at $600 with a short eight-hour wait, and $2,500 in baggage loss, theft or damage Comparison: The Best Travel Insurance Travel Insurance Comparison IMG, Nationwide, WorldTrips and Seven Corners are among the best trip insurance companies, based on our travel insurance ratings. Here are key coverage features of our top-rated travel insurance plans. Company & top-scoring policy name Forbes Advisor rating Average travel insurance cost Emergency medical and medical evacuation Learn More IMG iTravelInsured LX Most popular 5.0 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $587 $500,000/$1 million See Plans via Forbes Advisor Nationwide Cruise Luxury 4.9 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $399 $250,000/$1 million See Plans via Forbes Advisor WorldTrips Atlas Journey Elevate 4.8 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $258 $250,000/$1 million See Plans via Forbes Advisor Seven Corners Cruise Insurance 4.7 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $446 $250,000/$500,000 See Plans via Forbes Advisor Starr Insurance Premier 4.6 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $511 $250,000/$500,000 See Plans via Forbes Advisor Generali Global Assistance Premium 4.5 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $309 $250,000/$1 million See Plans via Forbes Advisor HTH Worldwide Travel Insurance TripProtector Preferred 4.3 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $469 $500,000/$1 million See Plans via Forbes Advisor PrimeCover Luxe 4.3 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $409 $250,000/$1 million See Plans via Forbes Advisor Travelex Ultimate 4.1 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $363 $250,000/$1 million See Plans via Forbes Advisor Trawick International Safe Travels Voyager 4.1 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. $445 $250,000/$1 million See Plans via Forbes Advisor Provider Details IMG iTravelInsured LX See Plans via Forbes Advisor Most popular Ratings 5.0 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $587 Emergency medical and medical evacuation $500,000/$1 million Nationwide Cruise Luxury See Plans via Forbes Advisor Ratings 4.9 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $399 Emergency medical and medical evacuation $250,000/$1 million WorldTrips Atlas Journey Elevate See Plans via Forbes Advisor Ratings 4.8 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $258 Emergency medical and medical evacuation $250,000/$1 million Seven Corners Cruise Insurance See Plans via Forbes Advisor Ratings 4.7 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $446 Emergency medical and medical evacuation $250,000/$500,000 Starr Insurance Premier See Plans via Forbes Advisor Ratings 4.6 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $511 Emergency medical and medical evacuation $250,000/$500,000 Generali Global Assistance Premium See Plans via Forbes Advisor Ratings 4.5 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $309 Emergency medical and medical evacuation $250,000/$1 million HTH Worldwide Travel Insurance TripProtector Preferred See Plans via Forbes Advisor Ratings 4.3 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $469 Emergency medical and medical evacuation $500,000/$1 million PrimeCover Luxe See Plans via Forbes Advisor Ratings 4.3 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $409 Emergency medical and medical evacuation $250,000/$1 million Travelex Ultimate See Plans via Forbes Advisor Ratings 4.1 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $363 Emergency medical and medical evacuation $250,000/$1 million Trawick International Safe Travels Voyager See Plans via Forbes Advisor Ratings 4.1 Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost $445 Emergency medical and medical evacuation $250,000/$1 million Most Popular is calculated from the number of times each affiliate product was selected by Forbes Advisor users over a six month time period. Compare Travel Insurance Costs The table below shows the average travel insurance cost for two 40-year-old travelers on a $6,000 trip to Italy. Plan Average Travel Insurance Cost IMG iTravelInsured LX $459 Nationwide Cruise Luxury $280 WorldTrips Atlas Journey Elevate $210 Seven Corners: Cruise Insurance $354 Starr: Premier $420 Generali Global Assistance Premium $264 HTH Worldwide Travel Insurance TripProtector Preferred $403 PrimeCover Luxe $286 Travelex: Ultimate $360 Trawick International safe Travels Voyager $332 See Plans via Forbes Advisor What Affects Travel Insurance Costs? Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.  Trip cost:  The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, nonrefundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes. If you’re taking a global trip compared to general travel in a neighboring country, the trip and travel insurance costs will be higher. Your age:  The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims. Coverage:  The more  travel insurance coverage  you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade, generous travel medical expense coverage and high limits for travel protection that covers delays and baggage, you’ll pay more for your vacation insurance. Compare Travel Insurance By Coverage And Plan Understanding the different available coverage options is essential in choosing the best travel plan for your trip. Here are the most important travel insurance details for each of our top picks:  Plan Medical Expense Limit Medical Evacuation Limit Travel Delay and Required Wait Period Baggage Delay and Required Wait Period IMG iTravelInsured LX $500,000 per person primary coverage $1,000,000 per person $2,500 (6 hrs) $500 (12 hrs) Nationwide Cruise Luxury $250,000 per person primary coverage $1,000,000 per person $1,000 (6 hrs) $1,000 (6 hrs) WorldTrips Atlas Journey Elevate $250,000 per person primary coverage $1,000,000 per person $2,000 (5 hrs) $600 (12 hrs) Seven Corners: Cruise Insurance $250,000 per person secondary coverage $500,000 per person $1,000 (6 hrs) $500 (6 hrs) Starr: Premier $250,000 per person primary coverage $500,000 per person $1,500 (6 hrs) $500 (6 hrs) Generali Global Assistance Premium $250,000 per person secondary coverage $1,000,000 per person $1,000 (6 hrs) $500 (12 hrs) HTH Worldwide Travel Insurance TripProtector Preferred $500,000 per person primary coverage $1,000,000 per person $2,000 (6 hrs) $400 (12 hrs) PrimeCover Luxe $250,000 per person primary coverage $1,000,000 per person $3,000 (6 hrs) $600 (8 hrs) Travelex: Ultimate $250,000 per person primary coverage $1,000,000 per person $2,000 (5 hrs) $500 (12 hrs) Trawick International safe Travels Voyager $250,000 per person primary coverage $1,000,000 per person $3,000 (6 hrs) $600 (8 hrs) See Plans via Forbes Advisor User Opinions of Travel Insurance Companies Forbes Advisor collects consumer sentiment both directly through NPS surveys and indirectly by collecting customer feedback across the internet using the Consumer Sentiment Index (CSI). This is how real customers described their opinion of the top travel insurance companies:  Plan CSI rating How Likely to Recommend Common Positive Sentiments Common Negative Sentiments IMG iTravelInsured LX 6.3/10 Somewhat likely to recommend Coverage options and pricing Delays in claims processing Nationwide Cruise Luxury 6.6/10 Somewhat likely to recommend Easy buying process and quality coverage Challenges with claims filing and processing WorldTrips Atlas Journey Elevate 6.5/10 Somewhat likely to recommend A wide variety of quality coverage options Customer service experience Seven Corners: Cruise Insurance 6.1/10 Somewhat likely to recommend Easy buying process Mixed reviews on claims processing Generali Global Assistance Premium 6.2/10 Somewhat likely to recommend Pricing and policy offerings Customer service and claims experience HTH Worldwide Travel Insurance TripProtector Preferred 7.1/10 Likely to recommend Pricing and coverage options Challenging claims process Travelex: Ultimate 7.4/10 Likely to recommend Competitive pricing and easy buying process Slow and complex claims process Trawick International safe Travels Voyager 6.5/10 Somewhat likely to recommend Straightforward buying process and pricing Poor communication and support during claims processing See Plans via Forbes Advisor Editor’s note: Starr and PrimeCover are brand-new products that don’t have enough consumer reviews to rank or rate consumer sentiment adequately. As additional data accumulates, we will include the Consumer Sentiment Index analysis for Starr and PrimeCover in this space.   Expert tip Jason Metz Insurance Lead Editor Les Masterson Insurance Editor Michelle Megna Insurance Lead Editor Jason Metz Insurance Lead Editor Jason Metz Insurance Lead Editor Les Masterson Insurance Editor Michelle Megna Insurance Lead Editor Start by Estimating the Nonrefundable Trip Cost The nonrefundable trip cost is the amount you want to insure for trip cancellation. If you’re unsure of what the total cost will be, estimate the amount and then update it later with the travel insurance company, as long as you do so before your departure date. Decide How Much Cancellation Flexibility You Want If you have a lot of nonrefundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy of a general travel insurance plan. Begin Shopping Right After Your First Trip Deposit It’s recommended to purchase insurance immediately after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and preexisting medical condition exclusion waivers . The Most Critical Coverage Types Based on Claims When  purchasing travel insurance, you want to be sure you have essential coverage for pre- and post-departure problems that can derail your trip. Based on claims data from Tin Leg, a travel insurance company, trip cancellations, travel delays, trip interruptions and medical expenses are the top claims. It’s wise to be sure you have generous coverage for these types of emergencies when shopping for a good travel insurance plan.  Coverage  % of claims  Trip cancellation 28.57% Travel delay 20.24% Trip interruption 18.69% Emergency medical expense 16.19% Missed connection 4.52% Baggage and personal items 4.40% Baggage delay 3.93% “Cancel for any reason” 3.10% Airline ticket change fee 0.24% Medical evacuation 0.12% Frequently Asked Questions (FAQs) Having a “hospital of choice” feature in your travel insurance policy means the policy will pay for you to be transported to the treatment facility of your choice after initial care at the nearest adequate medical center. It is included in top-rated policies such as IMG’s iTravelInsured Travel LX, WorldTrips’ Atlas Journey Elevate and PrimeCover’s Luxe. Some policies offer it as an upgrade that you can purchase, such as Travelex’s Ultimate policy. You can get inexpensive travel insurance by assessing the type and amount of coverage you need as well as your trip cost. Start by insuring only nonrefundable trip costs. You can’t make a travel insurance claim for costs you can get refunded. So, if your plane tickets are refundable, you wouldn’t include that in your trip cost.  If you’re not traveling outside of the U.S. to go overseas, you probably don’t need high travel health insurance limits, which can also keep costs affordable. You also want to be sure you don’t buy unnecessary coverage. For example, if your main concern is covered by standard trip cancellation, such as canceling due to an illness, you can be covered without spending extra money on a CFAR upgrade. Another example: you don’t need baggage insurance of $2,000 if you’re packing $300 worth of T-shirts, shorts and a swimsuit for a weekend getaway.  When looking for a place to buy general travel or business travel insurance, you can go online to company websites or aggregator sites that allow you to compare travel insurance plans from different insurance providers. You’ll be able to search for medical travel insurance, overseas travel insurance, domestic travel insurance, short term medical insurance for international travel, multi-trip and single-trip travel insurance, and more. The information you need to buy reliable travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.  The average cost of travel insurance is 5% to 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the cost of the trip being insured.  Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA  License  # 6011227. While our parent company has an interest in PrimeCover, our review of the product was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.
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Advertiser Disclosure - [advisor](https://www.forbes.com/advisor/) - [Travel Insurance](https://www.forbes.com/advisor/travel-insurance/) - 10 Best Travel Insurance Companies For 2026 # 10 Best Travel Insurance Companies For 2026 Audited & Verified: Mar 3, 2026, 12:28am [![Michelle Megna](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg)](https://www.forbes.com/advisor/author/mmegna/) ![Author Image](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg) [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) Staff Editor Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine… - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/linkedin-icon.svg)](https://www.linkedin.com/in/michelle-megna-507b65/) [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/mmegna/) ![close icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/forbes-media-close-icon.svg) ![Author image](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg) [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) Staff Editor Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine… - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/linkedin-icon.svg)](https://www.linkedin.com/in/michelle-megna-507b65/) [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/mmegna/) Written By [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) ![Author Image](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg) [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) Staff Editor Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine… - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/linkedin-icon.svg)](https://www.linkedin.com/in/michelle-megna-507b65/) [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/mmegna/) ![close icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/forbes-media-close-icon.svg) ![Author image](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg) [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) Staff Editor Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine… - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/linkedin-icon.svg)](https://www.linkedin.com/in/michelle-megna-507b65/) [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/mmegna/) Staff Editor [![Les Masterson](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg)](https://www.forbes.com/advisor/author/lmasterson/) ![Author Image](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove… [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) ![close icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/forbes-media-close-icon.svg) ![Author image](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove… [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) Written By [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) ![Author Image](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove… [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) ![close icon](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/forbes-media-close-icon.svg) ![Author image](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove… [Read Full Bio ![See Full Bio](https://www.forbes.com/advisor/wp-content/plugins/mp-gutenberg-blocks/src/assets/images/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor & other Collapse HOW WE ANALYZED To identify the best travel insurance, we evaluated 69 policies from 23 companies. We scored policies on cost, medical expense, delay benefits and more. Read our methodology [Compare Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. **First**, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. **Second,** we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our [partners](https://www.forbes.com/advisor/advertiser-disclosure/) who offer products that we have affiliate links for. ## Quick Dive Travel insurance can be a smart way to offset costs if your trip gets derailed. Discover which policies offer top-notch coverage and compare prices and features across providers. [Top Editorial Picks](https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/#top_editorial_picks) [Dive into the data](https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/#dive_into_the_data) ## Compare Best Travel Insurance Companies [Nationwide Travel Insurance: Cruise Luxury](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for cruises** The Cruise Luxury plan provides an array of generous benefits, including cruise-specific coverage for itinerary changes and ship breakdowns. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![Nationwide Travel Insurance: Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview.png) via Forbes Advisor MOST POPULAR [IMG iTravelInsured LX](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for medical expenses & evacuation** The iTravelInsured LX policy checks all the boxes for those who want superior coverage, including high medical and evacuation limits and benefits for pet owners. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![IMG iTravelInsured LX](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2023/11/IMG1.png) via Forbes Advisor [WorldTrips: Atlas Journey Elevate](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for price** The Atlas Journey Elevate plan has exceptional medical evacuation and baggage coverage and has the lowest average cost of our top-rated policies. It also offers upgrades for adventure sports and pet-related benefits. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![WorldTrips: Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png) via Forbes Advisor [Seven Corners: Cruise Insurance](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for short delay waiting periods** The Cruise Insurance plan has generous medical coverage and short waiting periods for baggage and travel delays, as well as cruise-specific benefits. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![Seven Corners: Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Seven-Corners-1.webp) via Forbes Advisor [Starr: Premier](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for baggage insurance** The Premier plan offers robust coverage, including generous travel delay benefits. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![Starr: Premier](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2024/02/Starr-Travel-Insurance.png) via Forbes Advisor [Generali Global Assistance: Premium](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for preexisting medical condition coverage** The Premium policy is worth a look because of its range of excellent benefits, including great trip interruption coverage. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![Generali Global Assistance: Premium](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2022/09/Generali_Global_Assistance-removebg-preview.png) via Forbes Advisor [HTH Worldwide Travel Insurance](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for travel disruptions** The TripProtector Preferred policy provides generous benefits, including superior medical, evacuation and trip interruption coverage. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![HTH Worldwide Travel Insurance](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png) via Forbes Advisor [PrimeCover](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for evacuation** The Luxe plan hits all the high points for coverage that you want if you’re looking for top-notch protection, including superior evacuation, travel delay and baggage coverage. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![PrimeCover](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2024/01/PrimeCover_dark.png) via Forbes Advisor [Travelex](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for add-on coverage** The Ultimate plan provides great coverage, including excellent travel delay benefits and offers upgrades for pet-related benefits, adventure sports and rental properties. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![Travelex](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png) via Forbes Advisor [Trawick International](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) **Best for travel delays** The Safe Travels Voyager policy offers a decent amount of upgrades and has short waiting periods for delays. [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ![Trawick International](https://thumbor.forbes.com/thumbor/fit-in/172x/https://www.forbes.com/advisor/wp-content/uploads/2023/09/Trawick-International.png) via Forbes Advisor ## How We Picked the Best Travel Insurance Companies Overview Methodology Consumer Sentiment Index Our Team ## How We Picked the Best Travel Insurance Companies The best travel insurance policies provide the pre- and post-departure benefits you want at a low cost. Our team assessed 69 policies from dozens of companies. We researched cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades and more. We based editorial conclusions solely on information we gathered from providers and through independent research. Advertisers do not influence our ratings. You can read more about our [editorial guidelines](https://www.forbes.com/advisor/about-us/#editorial_policies) for the ratings below. Read More ### How We Evaluate the Best Travel Insurance Companies - 23 #### Travel insurance companies researched We reviewed 23 companies based on coverage offerings - 1,449 #### Policy coverage features analyzed We researched coverage limits,cost and policy offerings for 69 travel insurance plan - 9 #### Methodology factors considered Includes cost, medical expense, medical evacuation, “cancel for any reason” upgrade. ## Methodology We researched 69 policies from 23 companies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. The pie chart below displays the nine core factors we used in our analysis: cost, medical expense, medical evacuation, trip interruption, travel delay and baggage delay coverage, the availability of “cancel for any reason” and “interruption for any reason” upgrades and the availability of pre-existing medical condition exclusion waivers. Within each factor, we examined various metrics and created individual weights. We believe cost is an overriding factor when choosing a policy, so we gave the average cost of a policy the most weight. Sufficient medical expense and evacuation coverage is essential so those were also key factors taken into account. Delays, interruptions and coverage for pre-existing medical conditions are also primary concerns and were weighed accordingly. **Cost (35% of score):** We analyzed the average cost for each travel insurance policy for trips to popular destinations: 1. Couple, age 30 for a Mexico trip costing \$3,000 1. Couple, age 40, for an Italy trip costing \$6,000 1. Family of four for a Spain trip costing \$15,000 1. Couple, age 65, for an Italy trip costing \$6,000 1. Couple, age 70, for a Mexico trip costing \$3,000 **Medical expenses (15% of score):** Travel insurance policies with travel medical expense benefits of \$250,000 and up per person were given the highest points. **Medical evacuation (15% of score):** Travel insurance policies with medical evacuation expense benefits of \$500,000 and up per person were given the highest points. **“Cancel for any reason” upgrade (10%):** Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%. **Trip interruption travel insurance (5%):** Points were given if trip interruption reimbursement is 150% or higher. **Travel delay required waiting time (5%):** Policies with travel delay benefits kicking in after six hours or less were given points. **Baggage delay required waiting time (5%):** Policies with baggage delay benefits kicking in at 12 hours or less were given points. **Preexisting medical condition exclusion waiver (5%):** Points were given to policies that cover preexisting medical conditions (if purchased within a required time frame after the first trip deposit). **“Interruption for any reason” upgrade (5%):** Policies were awarded points if they offered an “interruption for any reason” upgrade. Read More #### (35%) Cost (15%) Medical expense (15%) Medical evacuation (10%) “Cancel for any reason” upgrade overage (5%) Trip interruption travel insurance (5%) Travel delay required waiting time (5%) Baggage delay required waiting time (5%) Pre-existing medical condition exclusion waiver (5%) “Interruption for any reason” upgrade ## Consumer Sentiment Index The Consumer Sentiment Index (CSI) from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. Each company is assigned an overall score derived from four different components scored on a 5-point scale: Coverage options, cost, claims process and customer service. Read More | Company | Consumer Sentiment Index | Coverage Options | Cost | Claims Process | Customer Service and Support | |---|---|---|---|---|---| | IMG | 6\.3 | 3\.5 | 3\.9 | 2\.2 | 3 | | Nationwide | 6\.6 | 3\.4 | 4 | 3 | 3\.6 | | WorldTrips | 6\.6 | 3\.2 | 3\.9 | 2\.5 | 3\.2 | | Seven Corners | 6\.1 | 3\.1 | 3\.8 | 2\.1 | 3\.7 | | Generali Global Assistance | 6\.2 | 3\.2 | 3\.7 | 2\.4 | 2\.7 | | HTH Worldwide | 7\.1 | 3\.4 | 4 | 2\.8 | 3\.3 | | Travelex Insurance Services | 7\.4 | 3\.6 | 3\.7 | 3\.4 | 3\.6 | | Trawick | 6\.5 | 3\.5 | 3\.9 | 2\.3 | 3\.6 | See full list ## Our Team Our team has decades of experience covering insurance. We’re passionate about providing the information you need so you can make smart choices about the insurance coverage that best suits your needs. Read More ![Jason Metz](https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) [Jason Metz](https://www.forbes.com/advisor/author/jmetz/) Staff Editor ![Les Masterson](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor ![Michelle Megna](https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) Staff Editor ## Jason Metz ![Jason Metz](https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason started in the insurance industry in 2007 as a claims handler before accepting a role as a fraud investigator. In his role at Forbes Advisor, he covers pet, travel, auto, home, renters, small business and health insurance. The running theme throughout his career has been to take complex information and making it easy to understand so that consumers can make well-informed decisions. Expertise: Car insurance Pet insurance Business insurance Home insurance ## Les Masterson ![Les Masterson](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) Les is a former editor and insurance analyst at Forbes Advisor. He has written and edited stories about insurance topics for a decade, including travel. Most recently, Les wrote about travel medical insurance for visitors to the U.S. and the best travel insurance for seniors. Expertise: Health insurance Choosing a health plan Comparing health plans Buying car insurance Shopping for home insurance ## Michelle Megna ![Michelle Megna](https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) Michelle has been a journalist for over 35 years, writing about insurance for consumers for the last 15 years. Michelle covers travel, auto, home, life and health insurance. This involves writing and editing articles that help consumers make educated choices about insurance coverage. Prior to covering insurance, Michelle was a New York Daily News reporter and a foreign correspondent. Expertise: Travel insurance Car insurance Home insurance Life insurance #### Jason Metz Jason started in the insurance industry in 2007 as a claims handler before accepting a role as a fraud investigator. In his role at Forbes Advisor, he covers pet, travel, auto, home, renters, small business and health insurance. The running theme throughout his career has been to take complex information and making it easy to understand so that consumers can make well-informed decisions. Expertise: Car insurance Pet insurance Business insurance Home insurance ![Jason Metz](https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) #### Les Masterson Les is a former editor and insurance analyst at Forbes Advisor. He has written and edited stories about insurance topics for a decade, including travel. Most recently, Les wrote about travel medical insurance for visitors to the U.S. and the best travel insurance for seniors. Expertise: Health insurance Choosing a health plan Comparing health plans Buying car insurance Shopping for home insurance ![Les Masterson](https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) #### Michelle Megna Michelle has been a journalist for over 35 years, writing about insurance for consumers for the last 15 years. Michelle covers travel, auto, home, life and health insurance. This involves writing and editing articles that help consumers make educated choices about insurance coverage. Prior to covering insurance, Michelle was a New York Daily News reporter and a foreign correspondent. Expertise: Travel insurance Car insurance Home insurance Life insurance ![Michelle Megna](https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) - Browse Article - The Best Travel Insurance Companies Ranked - Compare Travel Insurance Costs - What Affects Travel Insurance Costs? - Compare Travel Insurance By Coverage And Plan - User Opinions of Travel Insurance Companies - The Most Critical Coverage Types Based on Claims - Frequently Asked Questions (FAQs) ![Passport icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/passport.svg) ### Compare & Buy Travel Insurance Leaving Home Returning Home Main Destination [Find Policies Now](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) ## The Best Travel Insurance Companies Ranked MOST POPULAR [IMG: iTravelInsured Travel LX](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=IMG&p1=iTravelInsured%20Choice&p2=iTravelInsured%20SE&p3=iTravelInsured%20LX) [![IMG: iTravelInsured Travel LX](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/IMG_imglobal_logo-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=IMG&p1=iTravelInsured%20Choice&p2=iTravelInsured%20SE&p3=iTravelInsured%20LX) 5\.0 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR MEDICAL EXPENSES & EVACUATION \$459 \$500,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=IMG&p1=iTravelInsured%20Choice&p2=iTravelInsured%20SE&p3=iTravelInsured%20LX) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review The iTravelInsured Travel LX policy stands out in our evaluation thanks to its superior travel medical coverage of \$500,000 and \$1 million in medical evacuation benefits. Also included: \$50,000 in nonmedical evacuation coverage. Other highlights include robust baggage insurance of \$2,500 and \$2,500 in travel delay coverage with a short six-hour waiting period. However, the policy is not without drawbacks. The iTravelInsured Travel LX policy has the highest average cost among our top-rated options. **More:** [IMG Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/img-travel-insurance-review/) ##### Pros and Cons | | |---| | Offers “cancel for any reason” and “interruption for any reason” upgrades with 75% reimbursement of insured trip cost | ##### Consumer Sentiment Index 6\.3/10 Fair ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **6\.3/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 1,211 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****5** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 5 out of 8 From 107 comments about the Coverage Options - **64%** of people had positive sentiments - **12%** of people had neutral sentiments - **24%** of people had negative sentiments - **\#****4** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 4 out of 8 From 293 comments about the Claims Process - **27%** of people had positive sentiments - **12%** of people had neutral sentiments - **61%** of people had negative sentiments - **\#****8** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 8 out of 8 From 66 comments about the Cost - **83%** of people had positive sentiments - **3%** of people had neutral sentiments - **14%** of people had negative sentiments - **\#****5** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 5 out of 8 From 290 comments about the Customer Service and Support - **52%** of people had positive sentiments - **8%** of people had neutral sentiments - **40%** of people had negative sentiments Customers are happy with IMG’s coverage options and pricing, but the company is not without its drawbacks. Some report dissatisfaction with the claims process, citing delays and poor communication. Read More *** *** [Nationwide Travel Insurance: Cruise Luxury](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) [![Nationwide Travel Insurance: Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) 4\.9 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR CRUISES \$280 \$250,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review We like Nationwide’s Cruise Luxury policy for its cruise-specific advantages. It includes \$1,000 in itinerary change benefits for prepaid excursions you miss if a cruise changes course. It also has a \$250 inconvenience benefit for delays caused by a fire or mechanical breakdown. Its evacuation benefits are superior, with \$1 million for medical evacuations and \$25,000 for nonmedical evacuations per person. Missed connection benefits of \$2,500 are also outstanding. This policy’s average cost was the fourth-lowest among the top 10 policies in our analysis. Note that you do not have to be going on a cruise to take advantage of this policy’s robust coverage. **More:** [Nationwide Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/nationwide-travel-insurance-review/) ##### Pros and Cons | | |---| | Offers a “cancel for any reason” (CFAR) upgrade with reimbursement of 75% and an “interruption for any reason” (IFAR) upgrade that provides up to \$1,000 per person | ##### Consumer Sentiment Index 6\.6/10 Fair ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **6\.6/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 5,393 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****1** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 1 out of 8 From 720 comments about the Coverage Options - **58%** of people had positive sentiments - **12%** of people had neutral sentiments - **30%** of people had negative sentiments - **\#****2** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 2 out of 8 From 893 comments about the Claims Process - **50%** of people had positive sentiments - **10%** of people had neutral sentiments - **40%** of people had negative sentiments - **\#****1** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 1 out of 8 From 855 comments about the Cost - **74%** of people had positive sentiments - **11%** of people had neutral sentiments - **15%** of people had negative sentiments - **\#****8** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 8 out of 8 From 1,211 comments about the Customer Service and Support - **63%** of people had positive sentiments - **4%** of people had neutral sentiments - **33%** of people had negative sentiments Customers find that buying travel insurance from Nationwide is easy and they are happy with their coverage. However, some aren’t happy with the claims process, citing delays in processing claims and poor customer service when filing claims. Read More *** *** [WorldTrips: Atlas Journey Elevate](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=World%20Trips&p1=Atlas%20Journey%20Explore&p2=Atlas%20Journey%20Elevate&p3=Atlas%20Journey%20Escape) [![WorldTrips: Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=World%20Trips&p1=Atlas%20Journey%20Explore&p2=Atlas%20Journey%20Elevate&p3=Atlas%20Journey%20Escape) 4\.8 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR PRICE \$210 \$250,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=World%20Trips&p1=Atlas%20Journey%20Explore&p2=Atlas%20Journey%20Elevate&p3=Atlas%20Journey%20Escape) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review The competitive pricing of the Atlas Journey Elevate policy from WorldTrips helped it score well in our analysis: It has the lowest average cost among the top 10 policies in our rankings. It also provides strong coverage. Its medical evacuation coverage is exceptional, with \$1 million in benefits per person. Other noteworthy benefits include excellent coverage of \$600 for baggage delays and \$2,500 for baggage loss per person. We also like that Atlas Journey Elevate policy has a short five-hour waiting period for travel delays. **More:** [WorldTrips Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/worldtrips-travel-insurance-review/) ##### Pros and Cons | | |---| | You can add an “interruption for any reason” upgrade with 150% reimbursement and a “cancel for any reason” upgrade with either 50% or 75% reimbursement | ##### Consumer Sentiment Index 6\.5/10 Fair ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **6\.5/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 2,844 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****3** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 3 out of 8 From 374 comments about the Coverage Options - **55%** of people had positive sentiments - **14%** of people had neutral sentiments - **31%** of people had negative sentiments - **\#****5** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 5 out of 8 From 499 comments about the Claims Process - **39%** of people had positive sentiments - **8%** of people had neutral sentiments - **53%** of people had negative sentiments - **\#****2** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 2 out of 8 From 401 comments about the Cost - **76%** of people had positive sentiments - **12%** of people had neutral sentiments - **12%** of people had negative sentiments - **\#****6** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 6 out of 8 From 397 comments about the Customer Service and Support - **57%** of people had positive sentiments - **4%** of people had neutral sentiments - **39%** of people had negative sentiments Customers praise WorldTrips for its policy offerings, which include lots of optional upgrades. They also especially like the option to buy short-term coverage, or a policy that goes into effect after you depart. However, some feel the claims process is challenging and note poor customer service experiences. Read More *** *** [Seven Corners: Cruise Insurance](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Seven%20Corners&p1=Trip%20Protection%20Choice&p2=Trip%20Protection%20Basic&p3=Trip%20Protection%20Elite) [![Seven Corners: Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/12/SevenCornerslogo2023.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Seven%20Corners&p1=Trip%20Protection%20Choice&p2=Trip%20Protection%20Basic&p3=Trip%20Protection%20Elite) 4\.7 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR SHORT DELAY WAITING PERIODS \$354 \$250,000/\$500,000 [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Seven%20Corners&p1=Trip%20Protection%20Choice&p2=Trip%20Protection%20Basic&p3=Trip%20Protection%20Elite) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review One of the reasons we like Seven Corners’s Cruise Insurance policy is its short waiting period of six hours for travel and baggage delays—many competitors have 12 hours or longer. We also like that it includes a \$500 per person benefit if your cruise is diverted or disabled. Additionally, it provides \$500 per person for itinerary changes that force you to miss prepaid activities or that eliminate a destination from the itinerary. One drawback is that the Cruise Insurance plan’s average cost is only so-so—the fourth-highest cheapest out of the 10 top policies in our rankings. Note that you do not have to be going on a cruise to take advantage of this policy’s coverage. **More:** [Seven Corners Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/seven-corners-travel-insurance-review/) ##### Pros and Cons | | |---| | Offers “cancel for any reason” and “interruption for any reason” upgrades, reimbursing 75% of nonrefundable costs | ##### Consumer Sentiment Index 6\.1/10 Fair ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **6\.1/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 2,805 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****8** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 8 out of 8 From 243 comments about the Coverage Options - **55%** of people had positive sentiments - **7%** of people had neutral sentiments - **38%** of people had negative sentiments - **\#****8** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 8 out of 8 From 629 comments about the Claims Process - **25%** of people had positive sentiments - **6%** of people had neutral sentiments - **69%** of people had negative sentiments - **\#****6** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 7 out of 8 From 236 comments about the Cost - **77%** of people had positive sentiments - **6%** of people had neutral sentiments - **17%** of people had negative sentiments - **\#****2** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 2 out of 8 From 711 comments about the Customer Service and Support - **75%** of people had positive sentiments - **2%** of people had neutral sentiments - **23%** of people had negative sentiments Seven Corners customers like how easy it is to buy a policy, and some are satisfied with how claims are handled. But others are not pleased with the claims process, citing delays and poor customer service. Read More *** *** [Starr: Premier](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Starr&p1=Classic%20Plus&p2=Premier) [![Starr: Premier](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/02/Starr-Travel-Insurance.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Starr&p1=Classic%20Plus&p2=Premier) 4\.6 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR BAGGAGE INSURANCE \$420 \$250,000/\$500,000 [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Starr&p1=Classic%20Plus&p2=Premier) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review Starr’s Premier policy stands out in our evaluation for its generous baggage insurance of \$2,500. It also provides great coverage of \$500 for baggage delays after a 12-hour delay, which is half the time of some competitors. Other notable features include good travel delay benefits of \$1,500 with a short waiting period of six hours. We also like that “cancel for any reason” coverage is available as an upgrade. Starr Premier’s average cost is the second-highest among the 10 top-rated policies in our rankings. **More:** [Starr Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/) ##### Pros and Cons | | |---| | Employment layoff and financial default of a travel provider covered by trip cancellation and interruption benefits | ##### Consumer Sentiment Index *Editor’s note: Starr is a brand-new product that doesn’t have enough consumer reviews to rank or rate consumer sentiment adequately. As additional data accumulates, we will include the Consumer Sentiment Index analysis for Starr in this space.* *The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.* Read More *** *** [Generali Global Assistance: Premium](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Generali&p1=Preferred&p2=Standard&p3=Premium) [![Generali Global Assistance: Premium](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/09/Generali_Global_Assistance-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Generali&p1=Preferred&p2=Standard&p3=Premium) 4\.5 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR PREEXISTING MEDICAL CONDITION COVERAGE \$264 \$250,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Generali&p1=Preferred&p2=Standard&p3=Premium) Via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review Generali’s Premium policy stood out in our analysis for its generous window for getting preexisting medical condition coverage. Travelers with preexisting conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making a first trip deposit. We also like that it has the second-lowest average cost among the 10 top-rated policies we evaluated. The policy has a short six-hour waiting period for travel delay coverage and \$500 per person for baggage delays after 12 hours. **More:** [Generali Global Assistance Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/generali-global-assistance-travel-insurance-review/) ##### Pros and Cons | | |---| | Excellent trip interruption insurance of 175% of trip costs, compared to most competitors’ 150% | ##### Consumer Sentiment Index 6\.2/10 Fair ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **6\.2/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 7,052 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****7** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 7 out of 8 From 554 comments about the Coverage Options - **52%** of people had positive sentiments - **10%** of people had neutral sentiments - **38%** of people had negative sentiments - **\#****3** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 3 out of 8 From 1389 comments about the Claims Process - **33%** of people had positive sentiments - **9%** of people had neutral sentiments - **58%** of people had negative sentiments - **\#****4** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 4 out of 8 From 853 comments about the Cost - **71%** of people had positive sentiments - **13%** of people had neutral sentiments - **16%** of people had negative sentiments - **\#****7** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 7 out of 8 From 1220 comments about the Customer Service and Support - **44%** of people had positive sentiments - **4%** of people had neutral sentiments - **52%** of people had negative sentiments Generali Global Assistance generally gets high marks for its pricing and policy offerings. Yet some customers are frustrated by the lack of response from customer service and feel that submitting claims should be easier. Read More *** *** [HTH Worldwide: TripProtector Preferred Plan](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) [![HTH Worldwide: TripProtector Preferred Plan](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) 4\.3 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR TRAVEL DISRUPTIONS \$403 \$500,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review HTH Worldwide’s TripProtector Preferred policy is worth a look if you’re worried about disruptions once your trip has started. The policy has superior trip interruption benefits of 200% of the trip cost—most competitors provide 150%. Travel delay benefits are outstanding at \$2,000 per person, with a short six-hour waiting period. Missed connection coverage is decent at \$1,000 per person after a three-hour delay. However, the TripProtector Preferred policy’s average cost was the third most expensive among the top 10 policies in our rankings. **More:** [HTH Worldwide Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/hth-worldwide-travel-insurance-review/) ##### Pros and Cons | | |---| | Superior travel medical coverage of \$500,000 and medical evacuation coverage of \$1 million | ##### Consumer Sentiment Index 7\.1/10 Good ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **7\.1/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 921 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****4** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 4 out of 8 From 107 comments about the Coverage Options - **59%** of people had positive sentiments - **14%** of people had neutral sentiments - **27%** of people had negative sentiments - **\#****6** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 6 out of 8 From 111 comments about the Claims Process - **38%** of people had positive sentiments - **13%** of people had neutral sentiments - **49%** of people had negative sentiments - **\#****3** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 3 out of 8 From 107 comments about the Cost - **83%** of people had positive sentiments - **9%** of people had neutral sentiments - **8%** of people had negative sentiments - **\#****3** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 3 out of 8 From 188 comments about the Customer Service and Support - **60%** of people had positive sentiments - **4%** of people had neutral sentiments - **36%** of people had negative sentiments Customers praise HTH for its pricing and choice of coverage options. One feature they especially like is the ability to have medical expenses paid directly to the provider. Still, some find the claims process challenging and are unsatisfied with customer service. Read More *** *** [PrimeCover: Luxe](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=PrimeCover&p1=Base%20Plan&p2=Plus%20Plan&p3=Luxe%20Plan) [![PrimeCover: Luxe](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/PrimeCover_dark.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=PrimeCover&p1=Base%20Plan&p2=Plus%20Plan&p3=Luxe%20Plan) 4\.3 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR EVACUATION \$286 \$250,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=PrimeCover&p1=Base%20Plan&p2=Plus%20Plan&p3=Luxe%20Plan) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review One reason to like PrimeCover’s Luxe policy is its superior medical evacuation coverage of up to \$1 million per person. The Luxe policy also has a “hospital of choice” feature, allowing you to be transported to your preferred treatment facility after initial care at the nearest adequate medical center. Nonmedical evacuation benefits of \$100,000 per person are also included. The policy also excels in trip interruption coverage, reimbursing up to 200% of the trip cost, surpassing the 150% offered by many competitors. We also like that you can buy a “cancel for any reason” (CFAR) upgrade with 75% reimbursement. And it all comes at a good price: The Luxe policy’s average cost ranks fifth lowest among the top 10 policies in our rankings. **More:** [PrimeCover Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/primecover-travel-insurance-review/) ##### Pros and Cons | | |---| | Includes rental car damage (\$50,000) and search and rescue (\$5,000 per person). | ##### Consumer Sentiment Index *Editor’s note: PrimeCover is a brand-new product that doesn’t have enough consumer reviews to rank or rate consumer sentiment adequately. As additional data accumulates, we will include the Consumer Sentiment Index analysis for PrimeCover in this space.* And while our parent company has an interest in PrimeCover, our review of the product was subjected to our team’s usual rigorous editorial process, which is independent of any influence from insurance companies, business relationships, affiliates or anyone else. *The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.* Read More *** *** [Travelex: Ultimate](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) [![Travelex: Ultimate](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) 4\.1 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR ADD-ON COVERAGE \$360 \$250,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review Travelex’s Ultimate policy stood out in our analysis thanks to its impressive array of add-on options. Adventure travelers can buy add-on benefits for activities usually excluded from coverage. Adventurers will also appreciate the \$100,000 in security evacuation and \$10,000 in search and rescue benefits. Add-on coverage for pets is also available, providing \$250 for boarding fees if your return is delayed and \$2,500 for vet expenses if your dog or cat becomes sick or injured during the trip. Other upgrades you can opt for: rental property security deposit reimbursement, “cancel for business reasons”, CFAR and rental car coverage. The policy includes \$2,000 in baggage insurance per person and you can choose to increase these limits by \$3,000 to \$5,000. If you opt for that, the upgrade also adds coverage for sporting equipment rental (\$2,000), sporting equipment delay (\$1,500) and electronic or business equipment (\$2,000). The Ultimate’s average cost ranks as the third-cheapest among the top 10 policies in our rankings. **More:** [Travelex Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/travelex-travel-insurance-review/) ##### Pros and Cons | | |---| | Superior evacuation coverage of \$1 million that includes a “hospital of choice” feature that allows you to select a preferred treatment facility after initial care | ##### Consumer Sentiment Index 7\.4/10 Good ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **7\.4/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 3,205 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****2** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 2 out of 8 From 319 comments about the Coverage Options - **68%** of people had positive sentiments - **13%** of people had neutral sentiments - **19%** of people had negative sentiments - **\#****1** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 1 out of 8 From 550 comments about the Claims Process - **62%** of people had positive sentiments - **9%** of people had neutral sentiments - **29%** of people had negative sentiments - **\#****5** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 5 out of 8 From 331 comments about the Cost - **75%** of people had positive sentiments - **10%** of people had neutral sentiments - **15%** of people had negative sentiments - **\#****4** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 4 out of 8 For From 543 comments about the Customer Service and Support Service and Support - **71%** of people had positive sentiments - **5%** of people had neutral sentiments - **24%** of people had negative sentiments Many Travelex customers appreciate how easy it is to buy a policy and think that prices are competitive. Still, there are some concerns about how slow and complex the claims process is, and some people report poor customer service. Read More *** *** [Trawick International: Safe Travels Voyager](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Trawick&p1=Pathway%20Essential&p2=Pathway%20Plus&p3=Pathway%20Premium) [![Trawick International: Safe Travels Voyager](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/12/Trawick_International.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Trawick&p1=Pathway%20Essential&p2=Pathway%20Plus&p3=Pathway%20Premium) 4\.1 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR TRAVEL DELAYS \$332 \$250,000/\$1 million [Get A Quote ![Arrow](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Trawick&p1=Pathway%20Essential&p2=Pathway%20Plus&p3=Pathway%20Premium) via Forbes Advisor Our Expert Review Pros & Cons Consumer Sentiment Index ##### Our Expert Review We’re impressed by the Safe Travels Voyager plan’s travel delay benefits of \$3,000, which are among the highest of the 69 plans we researched. If you plan to rent a car during your trip, it has great rental car coverage of \$35,000. We also like that the policy offers a decent choice of upgrades and short waiting periods for delays. The Safe Travels Voyager plan has great travel delay benefits of \$3,000 per person after a short six-hour waiting period. For added convenience, trip delay coverage can be hiked to \$4,000 or \$7,000. The average cost of the Safe Travels Voyager policy is the fifth highest among the top 10 policies in our rankings. **More:** [Trawick Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/trawick-travel-insurance-review/) ##### Pros and Cons | | |---| | Employment layoff and financial default of a travel provider covered. | ##### Consumer Sentiment Index 6\.5/10 Fair ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) **6\.5/10**Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. - 0–5 Poor - 5–7 Fair - 7–10 Good 3,585 ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon-v2.svg) How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed - **\#****6** Coverage Options ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 6 out of 8 From 374 comments about the Coverage Options - **63%** of people had positive sentiments - **12%** of people had neutral sentiments - **25%** of people had negative sentiments - **\#****7** Claims Process ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 7 out of 8 From 499 comments about the Claims Process - **23%** of people had positive sentiments - **12%** of people had neutral sentiments - **65%** of people had negative sentiments - **\#****6** Cost ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 6 out of 8 From 401 comments about the Cost - **78%** of people had positive sentiments - **9%** of people had neutral sentiments - **13%** of people had negative sentiments - **\#****1** Customer Service and Support ![info](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/tippy-icon.svg) Ranked 1 out of 8 From 397 comments about the Customer Service and Support - **68%** of people had positive sentiments - **3%** of people had neutral sentiments - **29%** of people had negative sentiments Customers find that buying travel insurance from Trawick is straightforward and appreciate the competitive pricing and helpful customer service. However, some aren’t happy with the claims process, citing delays, poor communication, and difficulties in reaching support, leaving them frustrated. Read More *** *** ## Comparison: The Best Travel Insurance ## Travel Insurance Comparison IMG, Nationwide, WorldTrips and Seven Corners are among the best trip insurance companies, based on our travel insurance ratings. Here are key coverage features of our top-rated travel insurance plans. | Company & top-scoring policy name | Forbes Advisor rating | Average travel insurance cost | Emergency medical and medical evacuation | Learn More | |---|---|---|---|---| | ![IMG iTravelInsured LX](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/img_logo-1.png) IMG iTravelInsured LX Most popular | 5\.0 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$587 | \$500,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Nationwide Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview-2.png) Nationwide Cruise Luxury | 4\.9 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$399 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![WorldTrips Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png) WorldTrips Atlas Journey Elevate | 4\.8 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$258 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Seven Corners Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Seven-Corners-1.webp) Seven Corners Cruise Insurance | 4\.7 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$446 | \$250,000/\$500,000 | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Starr Insurance Premier](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/Starr-Travel-Insurance-1.webp) Starr Insurance Premier | 4\.6 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$511 | \$250,000/\$500,000 | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Generali Global Assistance Premium](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2022/12/Generali-Global-Assistance.png) Generali Global Assistance Premium | 4\.5 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$309 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![HTH Worldwide Travel Insurance TripProtector Preferred](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png) HTH Worldwide Travel Insurance TripProtector Preferred | 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$469 | \$500,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![PrimeCover Luxe](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/PrimeCover_dark-1.webp) PrimeCover Luxe | 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$409 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Travelex Ultimate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png) Travelex Ultimate | 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$363 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Trawick International Safe Travels Voyager](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/12/Trawick-travels-logo.png) Trawick International Safe Travels Voyager | 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$445 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | Provider | Details | |---|---| | ![IMG iTravelInsured LX](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/img_logo-1.png) IMG iTravelInsured LX [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor Most popular | Ratings 5\.0 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$587 Emergency medical and medical evacuation \$500,000/\$1 million | | ![Nationwide Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview-2.png) Nationwide Cruise Luxury [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.9 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$399 Emergency medical and medical evacuation \$250,000/\$1 million | | ![WorldTrips Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png) WorldTrips Atlas Journey Elevate [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.8 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$258 Emergency medical and medical evacuation \$250,000/\$1 million | | ![Seven Corners Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Seven-Corners-1.webp) Seven Corners Cruise Insurance [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.7 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$446 Emergency medical and medical evacuation \$250,000/\$500,000 | | ![Starr Insurance Premier](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/Starr-Travel-Insurance-1.webp) Starr Insurance Premier [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.6 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$511 Emergency medical and medical evacuation \$250,000/\$500,000 | | ![Generali Global Assistance Premium](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2022/12/Generali-Global-Assistance.png) Generali Global Assistance Premium [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.5 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$309 Emergency medical and medical evacuation \$250,000/\$1 million | | ![HTH Worldwide Travel Insurance TripProtector Preferred](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png) HTH Worldwide Travel Insurance TripProtector Preferred [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$469 Emergency medical and medical evacuation \$500,000/\$1 million | | ![PrimeCover Luxe](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/PrimeCover_dark-1.webp) PrimeCover Luxe [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$409 Emergency medical and medical evacuation \$250,000/\$1 million | | ![Travelex Ultimate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png) Travelex Ultimate [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$363 Emergency medical and medical evacuation \$250,000/\$1 million | | ![Trawick International Safe Travels Voyager](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/12/Trawick-travels-logo.png) Trawick International Safe Travels Voyager [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$445 Emergency medical and medical evacuation \$250,000/\$1 million | *Most Popular is calculated from the number of times each affiliate product was selected by Forbes Advisor users over a six month time period.* *** ## Compare Travel Insurance Costs The table below shows the average travel insurance cost for two 40-year-old travelers on a \$6,000 trip to Italy. | Plan | Average Travel Insurance Cost | |---|---| | IMG iTravelInsured LX | \$459 | | Nationwide Cruise Luxury | \$280 | | WorldTrips Atlas Journey Elevate | \$210 | | Seven Corners: Cruise Insurance | \$354 | | Starr: Premier | \$420 | | Generali Global Assistance Premium | \$264 | | HTH Worldwide Travel Insurance TripProtector Preferred | \$403 | | PrimeCover Luxe | \$286 | | Travelex: Ultimate | \$360 | | Trawick International safe Travels Voyager | \$332 | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor *** ### What Affects Travel Insurance Costs? Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing. - **Trip cost:** The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, nonrefundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes. If you’re taking a global trip compared to general travel in a neighboring country, the trip and travel insurance costs will be higher. - **Your age:** The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims. - **Coverage:** The more [travel insurance coverage](https://www.forbes.com/advisor/travel-insurance/what-does-travel-insurance-cover/) you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade, generous travel medical expense coverage and high limits for travel protection that covers delays and baggage, you’ll pay more for your vacation insurance. ## Compare Travel Insurance By Coverage And Plan Understanding the different available coverage options is essential in choosing the best travel plan for your trip. Here are the most important travel insurance details for each of our top picks: | Plan | Medical Expense Limit | Medical Evacuation Limit | Travel Delay and Required Wait Period | Baggage Delay and Required Wait Period | |---|---|---|---|---| | IMG iTravelInsured LX | \$500,000 per person primary coverage | \$1,000,000 per person | \$2,500 (6 hrs) | \$500 (12 hrs) | | Nationwide Cruise Luxury | \$250,000 per person primary coverage | \$1,000,000 per person | \$1,000 (6 hrs) | \$1,000 (6 hrs) | | WorldTrips Atlas Journey Elevate | \$250,000 per person primary coverage | \$1,000,000 per person | \$2,000 (5 hrs) | \$600 (12 hrs) | | Seven Corners: Cruise Insurance | \$250,000 per person secondary coverage | \$500,000 per person | \$1,000 (6 hrs) | \$500 (6 hrs) | | Starr: Premier | \$250,000 per person primary coverage | \$500,000 per person | \$1,500 (6 hrs) | \$500 (6 hrs) | | Generali Global Assistance Premium | \$250,000 per person secondary coverage | \$1,000,000 per person | \$1,000 (6 hrs) | \$500 (12 hrs) | | HTH Worldwide Travel Insurance TripProtector Preferred | \$500,000 per person primary coverage | \$1,000,000 per person | \$2,000 (6 hrs) | \$400 (12 hrs) | | PrimeCover Luxe | \$250,000 per person primary coverage | \$1,000,000 per person | \$3,000 (6 hrs) | \$600 (8 hrs) | | Travelex: Ultimate | \$250,000 per person primary coverage | \$1,000,000 per person | \$2,000 (5 hrs) | \$500 (12 hrs) | | Trawick International safe Travels Voyager | \$250,000 per person primary coverage | \$1,000,000 per person | \$3,000 (6 hrs) | \$600 (8 hrs) | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor *** ## User Opinions of Travel Insurance Companies Forbes Advisor collects consumer sentiment both directly through NPS surveys and indirectly by collecting customer feedback across the internet using the Consumer Sentiment Index (CSI). This is how real customers described their opinion of the top travel insurance companies: | Plan | CSI rating | How Likely to Recommend | Common Positive Sentiments | Common Negative Sentiments | |---|---|---|---|---| | IMG iTravelInsured LX | 6\.3/10 | Somewhat likely to recommend | Coverage options and pricing | Delays in claims processing | | Nationwide Cruise Luxury | 6\.6/10 | Somewhat likely to recommend | Easy buying process and quality coverage | Challenges with claims filing and processing | | WorldTrips Atlas Journey Elevate | 6\.5/10 | Somewhat likely to recommend | A wide variety of quality coverage options | Customer service experience | | Seven Corners: Cruise Insurance | 6\.1/10 | Somewhat likely to recommend | Easy buying process | Mixed reviews on claims processing | | Generali Global Assistance Premium | 6\.2/10 | Somewhat likely to recommend | Pricing and policy offerings | Customer service and claims experience | | HTH Worldwide Travel Insurance TripProtector Preferred | 7\.1/10 | Likely to recommend | Pricing and coverage options | Challenging claims process | | Travelex: Ultimate | 7\.4/10 | Likely to recommend | Competitive pricing and easy buying process | Slow and complex claims process | | Trawick International safe Travels Voyager | 6\.5/10 | Somewhat likely to recommend | Straightforward buying process and pricing | Poor communication and support during claims processing | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor *Editor’s note: Starr and PrimeCover are brand-new products that don’t have enough consumer reviews to rank or rate consumer sentiment adequately. As additional data accumulates, we will include the Consumer Sentiment Index analysis for Starr and PrimeCover in this space.* *** Expert tip ## ![Jason Metz](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason Metz Insurance Lead Editor ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) Les Masterson Insurance Editor ![Michelle Megna](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) Michelle Megna Insurance Lead Editor ![Jason Metz](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason Metz Insurance Lead Editor ![Jason Metz](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason Metz Insurance Lead Editor ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) Les Masterson Insurance Editor ![Michelle Megna](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) Michelle Megna Insurance Lead Editor ### Start by Estimating the Nonrefundable Trip Cost The nonrefundable trip cost is the amount you want to insure for trip cancellation. If you’re unsure of what the total cost will be, estimate the amount and then update it later with the travel insurance company, as long as you do so before your departure date. ### Decide How Much Cancellation Flexibility You Want If you have a lot of nonrefundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy of a general travel insurance plan. ### Begin Shopping Right After Your First Trip Deposit It’s recommended to purchase insurance immediately after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and [preexisting medical condition exclusion waivers](https://www.forbes.com/advisor/travel-insurance/pre-existing-conditions/). *** ## The Most Critical Coverage Types Based on Claims When [purchasing travel insurance,](https://www.forbes.com/advisor/travel-insurance/average-travel-insurance-cost/) you want to be sure you have essential coverage for pre- and post-departure problems that can derail your trip. Based on claims data from Tin Leg, a travel insurance company, trip cancellations, travel delays, trip interruptions and medical expenses are the top claims. It’s wise to be sure you have generous coverage for these types of emergencies when shopping for a good travel insurance plan. | Coverage | % of claims | |---|---| | Trip cancellation | 28\.57% | | Travel delay | 20\.24% | | Trip interruption | 18\.69% | | Emergency medical expense | 16\.19% | | Missed connection | 4\.52% | | Baggage and personal items | 4\.40% | | Baggage delay | 3\.93% | | “Cancel for any reason” | 3\.10% | | Airline ticket change fee | 0\.24% | | Medical evacuation | 0\.12% | *** ![Table](https://datawrapper.dwcdn.net/0sjob/full.png) *** ## Frequently Asked Questions (FAQs) ### What is “hospital of choice” and how do I get it? Having a “hospital of choice” feature in your travel insurance policy means the policy will pay for you to be transported to the treatment facility of your choice after initial care at the nearest adequate medical center. It is included in top-rated policies such as IMG’s iTravelInsured Travel LX, WorldTrips’ Atlas Journey Elevate and PrimeCover’s Luxe. Some policies offer it as an upgrade that you can purchase, such as Travelex’s Ultimate policy. ### How can I get cheap travel insurance? You can get inexpensive travel insurance by assessing the type and amount of coverage you need as well as your trip cost. Start by insuring only nonrefundable trip costs. You can’t make a travel insurance claim for costs you can get refunded. So, if your plane tickets are refundable, you wouldn’t include that in your trip cost. If you’re not traveling outside of the U.S. to go overseas, you probably don’t need high travel health insurance limits, which can also keep costs affordable. You also want to be sure you don’t buy unnecessary coverage. For example, if your main concern is covered by standard trip cancellation, such as canceling due to an illness, you can be covered without spending extra money on a CFAR upgrade. Another example: you don’t need [baggage insurance](https://www.forbes.com/advisor/travel-insurance/how-travel-insurance-works-for-baggage/) of \$2,000 if you’re packing \$300 worth of T-shirts, shorts and a swimsuit for a weekend getaway. ### Where can I buy travel insurance online? When looking for a place to buy general travel or business travel insurance, you can go online to company websites or aggregator sites that allow you to compare travel insurance plans from different insurance providers. You’ll be able to search for medical travel insurance, overseas travel insurance, domestic travel insurance, short term medical insurance for international travel, multi-trip and single-trip travel insurance, and more. The information you need to buy reliable travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure. ### How Much Does Travel Insurance Cost? **The average cost of travel insurance is 5% to 6% of your trip cost**, based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the cost of the trip being insured. *Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA [License](https://comparecoverage.com/licenses?tblci=GiC3tTCwpzKAUOrb9RLU-H5LqRiE_R3TA80njmbnHMIjviDnpGIojca-7peLmeBgMMKoSQ) \# 6011227. While our parent company has an interest in PrimeCover, our review of the product was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.* Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict [editorial integrity standards](https://www.forbes.com/advisor/about-us/). To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our [partners](https://www.forbes.com/advisor/advertiser-disclosure/). [![Michelle Megna](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna-88x88.jpeg)](https://www.forbes.com/advisor/author/mmegna/ "Michelle Megna") [Michelle Megna](https://www.forbes.com/advisor/author/mmegna/) Staff Editor Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter. © 2026 Forbes Media LLC. 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![Passport icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/passport.svg) ### Compare & Buy Travel Insurance Leaving Home Returning Home Main Destination ## The Best Travel Insurance Companies Ranked *** [Nationwide Travel Insurance: Cruise Luxury](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) [![Nationwide Travel Insurance: Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) 4\.9 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR CRUISES \$280 \$250,000/\$1 million ##### Our Expert Review We like Nationwide’s Cruise Luxury policy for its cruise-specific advantages. It includes \$1,000 in itinerary change benefits for prepaid excursions you miss if a cruise changes course. It also has a \$250 inconvenience benefit for delays caused by a fire or mechanical breakdown. Its evacuation benefits are superior, with \$1 million for medical evacuations and \$25,000 for nonmedical evacuations per person. Missed connection benefits of \$2,500 are also outstanding. This policy’s average cost was the fourth-lowest among the top 10 policies in our analysis. Note that you do not have to be going on a cruise to take advantage of this policy’s robust coverage. **More:** [Nationwide Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/nationwide-travel-insurance-review/) ##### Pros and Cons | | |---| | Offers a “cancel for any reason” (CFAR) upgrade with reimbursement of 75% and an “interruption for any reason” (IFAR) upgrade that provides up to \$1,000 per person | *** [WorldTrips: Atlas Journey Elevate](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=World%20Trips&p1=Atlas%20Journey%20Explore&p2=Atlas%20Journey%20Elevate&p3=Atlas%20Journey%20Escape) [![WorldTrips: Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=World%20Trips&p1=Atlas%20Journey%20Explore&p2=Atlas%20Journey%20Elevate&p3=Atlas%20Journey%20Escape) 4\.8 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR PRICE \$210 \$250,000/\$1 million ##### Our Expert Review The competitive pricing of the Atlas Journey Elevate policy from WorldTrips helped it score well in our analysis: It has the lowest average cost among the top 10 policies in our rankings. It also provides strong coverage. Its medical evacuation coverage is exceptional, with \$1 million in benefits per person. Other noteworthy benefits include excellent coverage of \$600 for baggage delays and \$2,500 for baggage loss per person. We also like that Atlas Journey Elevate policy has a short five-hour waiting period for travel delays. **More:** [WorldTrips Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/worldtrips-travel-insurance-review/) ##### Pros and Cons | | |---| | You can add an “interruption for any reason” upgrade with 150% reimbursement and a “cancel for any reason” upgrade with either 50% or 75% reimbursement | *** [Seven Corners: Cruise Insurance](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Seven%20Corners&p1=Trip%20Protection%20Choice&p2=Trip%20Protection%20Basic&p3=Trip%20Protection%20Elite) [![Seven Corners: Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/12/SevenCornerslogo2023.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Seven%20Corners&p1=Trip%20Protection%20Choice&p2=Trip%20Protection%20Basic&p3=Trip%20Protection%20Elite) 4\.7 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR SHORT DELAY WAITING PERIODS \$354 \$250,000/\$500,000 ##### Our Expert Review One of the reasons we like Seven Corners’s Cruise Insurance policy is its short waiting period of six hours for travel and baggage delays—many competitors have 12 hours or longer. We also like that it includes a \$500 per person benefit if your cruise is diverted or disabled. Additionally, it provides \$500 per person for itinerary changes that force you to miss prepaid activities or that eliminate a destination from the itinerary. One drawback is that the Cruise Insurance plan’s average cost is only so-so—the fourth-highest cheapest out of the 10 top policies in our rankings. Note that you do not have to be going on a cruise to take advantage of this policy’s coverage. **More:** [Seven Corners Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/seven-corners-travel-insurance-review/) ##### Pros and Cons | | |---| | Offers “cancel for any reason” and “interruption for any reason” upgrades, reimbursing 75% of nonrefundable costs | *** [Starr: Premier](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Starr&p1=Classic%20Plus&p2=Premier) [![Starr: Premier](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/02/Starr-Travel-Insurance.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Starr&p1=Classic%20Plus&p2=Premier) 4\.6 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR BAGGAGE INSURANCE \$420 \$250,000/\$500,000 ##### Our Expert Review Starr’s Premier policy stands out in our evaluation for its generous baggage insurance of \$2,500. It also provides great coverage of \$500 for baggage delays after a 12-hour delay, which is half the time of some competitors. Other notable features include good travel delay benefits of \$1,500 with a short waiting period of six hours. We also like that “cancel for any reason” coverage is available as an upgrade. Starr Premier’s average cost is the second-highest among the 10 top-rated policies in our rankings. **More:** [Starr Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/) ##### Pros and Cons | | |---| | Employment layoff and financial default of a travel provider covered by trip cancellation and interruption benefits | *** [Generali Global Assistance: Premium](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Generali&p1=Preferred&p2=Standard&p3=Premium) [![Generali Global Assistance: Premium](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/09/Generali_Global_Assistance-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Generali&p1=Preferred&p2=Standard&p3=Premium) 4\.5 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR PREEXISTING MEDICAL CONDITION COVERAGE \$264 \$250,000/\$1 million ##### Our Expert Review Generali’s Premium policy stood out in our analysis for its generous window for getting preexisting medical condition coverage. Travelers with preexisting conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making a first trip deposit. We also like that it has the second-lowest average cost among the 10 top-rated policies we evaluated. The policy has a short six-hour waiting period for travel delay coverage and \$500 per person for baggage delays after 12 hours. **More:** [Generali Global Assistance Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/generali-global-assistance-travel-insurance-review/) ##### Pros and Cons | | |---| | Excellent trip interruption insurance of 175% of trip costs, compared to most competitors’ 150% | *** [HTH Worldwide: TripProtector Preferred Plan](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) [![HTH Worldwide: TripProtector Preferred Plan](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) 4\.3 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR TRAVEL DISRUPTIONS \$403 \$500,000/\$1 million ##### Our Expert Review HTH Worldwide’s TripProtector Preferred policy is worth a look if you’re worried about disruptions once your trip has started. The policy has superior trip interruption benefits of 200% of the trip cost—most competitors provide 150%. Travel delay benefits are outstanding at \$2,000 per person, with a short six-hour waiting period. Missed connection coverage is decent at \$1,000 per person after a three-hour delay. However, the TripProtector Preferred policy’s average cost was the third most expensive among the top 10 policies in our rankings. **More:** [HTH Worldwide Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/hth-worldwide-travel-insurance-review/) ##### Pros and Cons | | |---| | Superior travel medical coverage of \$500,000 and medical evacuation coverage of \$1 million | *** [PrimeCover: Luxe](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=PrimeCover&p1=Base%20Plan&p2=Plus%20Plan&p3=Luxe%20Plan) [![PrimeCover: Luxe](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/PrimeCover_dark.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=PrimeCover&p1=Base%20Plan&p2=Plus%20Plan&p3=Luxe%20Plan) 4\.3 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR EVACUATION \$286 \$250,000/\$1 million ##### Our Expert Review One reason to like PrimeCover’s Luxe policy is its superior medical evacuation coverage of up to \$1 million per person. The Luxe policy also has a “hospital of choice” feature, allowing you to be transported to your preferred treatment facility after initial care at the nearest adequate medical center. Nonmedical evacuation benefits of \$100,000 per person are also included. The policy also excels in trip interruption coverage, reimbursing up to 200% of the trip cost, surpassing the 150% offered by many competitors. We also like that you can buy a “cancel for any reason” (CFAR) upgrade with 75% reimbursement. And it all comes at a good price: The Luxe policy’s average cost ranks fifth lowest among the top 10 policies in our rankings. **More:** [PrimeCover Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/primecover-travel-insurance-review/) ##### Pros and Cons | | |---| | Includes rental car damage (\$50,000) and search and rescue (\$5,000 per person). | *** [Travelex: Ultimate](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) [![Travelex: Ultimate](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) 4\.1 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR ADD-ON COVERAGE \$360 \$250,000/\$1 million ##### Our Expert Review Travelex’s Ultimate policy stood out in our analysis thanks to its impressive array of add-on options. Adventure travelers can buy add-on benefits for activities usually excluded from coverage. Adventurers will also appreciate the \$100,000 in security evacuation and \$10,000 in search and rescue benefits. Add-on coverage for pets is also available, providing \$250 for boarding fees if your return is delayed and \$2,500 for vet expenses if your dog or cat becomes sick or injured during the trip. Other upgrades you can opt for: rental property security deposit reimbursement, “cancel for business reasons”, CFAR and rental car coverage. The policy includes \$2,000 in baggage insurance per person and you can choose to increase these limits by \$3,000 to \$5,000. If you opt for that, the upgrade also adds coverage for sporting equipment rental (\$2,000), sporting equipment delay (\$1,500) and electronic or business equipment (\$2,000). The Ultimate’s average cost ranks as the third-cheapest among the top 10 policies in our rankings. **More:** [Travelex Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/travelex-travel-insurance-review/) ##### Pros and Cons | | |---| | Superior evacuation coverage of \$1 million that includes a “hospital of choice” feature that allows you to select a preferred treatment facility after initial care | *** [Trawick International: Safe Travels Voyager](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Trawick&p1=Pathway%20Essential&p2=Pathway%20Plus&p3=Pathway%20Premium) [![Trawick International: Safe Travels Voyager](https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/12/Trawick_International.png)](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo&landing=Trawick&p1=Pathway%20Essential&p2=Pathway%20Plus&p3=Pathway%20Premium) 4\.1 ![Forbes Advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/product-card-rating-logo.svg) Rating Our ratings take into account a product’s cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. BEST FOR TRAVEL DELAYS \$332 \$250,000/\$1 million ##### Our Expert Review We’re impressed by the Safe Travels Voyager plan’s travel delay benefits of \$3,000, which are among the highest of the 69 plans we researched. If you plan to rent a car during your trip, it has great rental car coverage of \$35,000. We also like that the policy offers a decent choice of upgrades and short waiting periods for delays. The Safe Travels Voyager plan has great travel delay benefits of \$3,000 per person after a short six-hour waiting period. For added convenience, trip delay coverage can be hiked to \$4,000 or \$7,000. The average cost of the Safe Travels Voyager policy is the fifth highest among the top 10 policies in our rankings. **More:** [Trawick Travel Insurance Review](https://www.forbes.com/advisor/travel-insurance/trawick-travel-insurance-review/) ##### Pros and Cons | | |---| | Employment layoff and financial default of a travel provider covered. | *** ## Comparison: The Best Travel Insurance ## Travel Insurance Comparison IMG, Nationwide, WorldTrips and Seven Corners are among the best trip insurance companies, based on our travel insurance ratings. Here are key coverage features of our top-rated travel insurance plans. | Company & top-scoring policy name | Forbes Advisor rating | Average travel insurance cost | Emergency medical and medical evacuation | Learn More | |---|---|---|---|---| | ![IMG iTravelInsured LX](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/img_logo-1.png) IMG iTravelInsured LX Most popular | 5\.0 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$587 | \$500,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Nationwide Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview-2.png) Nationwide Cruise Luxury | 4\.9 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$399 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![WorldTrips Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png) WorldTrips Atlas Journey Elevate | 4\.8 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$258 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Seven Corners Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Seven-Corners-1.webp) Seven Corners Cruise Insurance | 4\.7 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$446 | \$250,000/\$500,000 | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Starr Insurance Premier](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/Starr-Travel-Insurance-1.webp) Starr Insurance Premier | 4\.6 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$511 | \$250,000/\$500,000 | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Generali Global Assistance Premium](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2022/12/Generali-Global-Assistance.png) Generali Global Assistance Premium | 4\.5 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$309 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![HTH Worldwide Travel Insurance TripProtector Preferred](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png) HTH Worldwide Travel Insurance TripProtector Preferred | 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$469 | \$500,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![PrimeCover Luxe](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/PrimeCover_dark-1.webp) PrimeCover Luxe | 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$409 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Travelex Ultimate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png) Travelex Ultimate | 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$363 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | ![Trawick International Safe Travels Voyager](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/12/Trawick-travels-logo.png) Trawick International Safe Travels Voyager | 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. | \$445 | \$250,000/\$1 million | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | | Provider | Details | |---|---| | ![IMG iTravelInsured LX](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/img_logo-1.png) IMG iTravelInsured LX [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor Most popular | Ratings 5\.0 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$587 Emergency medical and medical evacuation \$500,000/\$1 million | | ![Nationwide Cruise Luxury](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview-2.png) Nationwide Cruise Luxury [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.9 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$399 Emergency medical and medical evacuation \$250,000/\$1 million | | ![WorldTrips Atlas Journey Elevate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/WorldTrips-removebg-preview.png) WorldTrips Atlas Journey Elevate [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.8 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$258 Emergency medical and medical evacuation \$250,000/\$1 million | | ![Seven Corners Cruise Insurance](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Seven-Corners-1.webp) Seven Corners Cruise Insurance [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.7 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$446 Emergency medical and medical evacuation \$250,000/\$500,000 | | ![Starr Insurance Premier](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/Starr-Travel-Insurance-1.webp) Starr Insurance Premier [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.6 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$511 Emergency medical and medical evacuation \$250,000/\$500,000 | | ![Generali Global Assistance Premium](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2022/12/Generali-Global-Assistance.png) Generali Global Assistance Premium [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.5 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$309 Emergency medical and medical evacuation \$250,000/\$1 million | | ![HTH Worldwide Travel Insurance TripProtector Preferred](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/HTH_Worldwide-removebg-preview.png) HTH Worldwide Travel Insurance TripProtector Preferred [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$469 Emergency medical and medical evacuation \$500,000/\$1 million | | ![PrimeCover Luxe](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/04/PrimeCover_dark-1.webp) PrimeCover Luxe [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.3 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$409 Emergency medical and medical evacuation \$250,000/\$1 million | | ![Travelex Ultimate](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/09/Travelex-Logo_colour_CMYK-3.19.18-new-colors-coated.png) Travelex Ultimate [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$363 Emergency medical and medical evacuation \$250,000/\$1 million | | ![Trawick International Safe Travels Voyager](https://thumbor.forbes.com/thumbor/fit-in/80x/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/12/Trawick-travels-logo.png) Trawick International Safe Travels Voyager [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor | Ratings 4\.1 ![](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-icon-94-14.svg) Rating Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team. Average travel insurance cost \$445 Emergency medical and medical evacuation \$250,000/\$1 million | *Most Popular is calculated from the number of times each affiliate product was selected by Forbes Advisor users over a six month time period.* *** ## Compare Travel Insurance Costs The table below shows the average travel insurance cost for two 40-year-old travelers on a \$6,000 trip to Italy. | Plan | Average Travel Insurance Cost | |---|---| | IMG iTravelInsured LX | \$459 | | Nationwide Cruise Luxury | \$280 | | WorldTrips Atlas Journey Elevate | \$210 | | Seven Corners: Cruise Insurance | \$354 | | Starr: Premier | \$420 | | Generali Global Assistance Premium | \$264 | | HTH Worldwide Travel Insurance TripProtector Preferred | \$403 | | PrimeCover Luxe | \$286 | | Travelex: Ultimate | \$360 | | Trawick International safe Travels Voyager | \$332 | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor *** ### What Affects Travel Insurance Costs? Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing. - **Trip cost:** The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, nonrefundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes. If you’re taking a global trip compared to general travel in a neighboring country, the trip and travel insurance costs will be higher. - **Your age:** The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims. - **Coverage:** The more [travel insurance coverage](https://www.forbes.com/advisor/travel-insurance/what-does-travel-insurance-cover/) you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade, generous travel medical expense coverage and high limits for travel protection that covers delays and baggage, you’ll pay more for your vacation insurance. ## Compare Travel Insurance By Coverage And Plan Understanding the different available coverage options is essential in choosing the best travel plan for your trip. Here are the most important travel insurance details for each of our top picks: | Plan | Medical Expense Limit | Medical Evacuation Limit | Travel Delay and Required Wait Period | Baggage Delay and Required Wait Period | |---|---|---|---|---| | IMG iTravelInsured LX | \$500,000 per person primary coverage | \$1,000,000 per person | \$2,500 (6 hrs) | \$500 (12 hrs) | | Nationwide Cruise Luxury | \$250,000 per person primary coverage | \$1,000,000 per person | \$1,000 (6 hrs) | \$1,000 (6 hrs) | | WorldTrips Atlas Journey Elevate | \$250,000 per person primary coverage | \$1,000,000 per person | \$2,000 (5 hrs) | \$600 (12 hrs) | | Seven Corners: Cruise Insurance | \$250,000 per person secondary coverage | \$500,000 per person | \$1,000 (6 hrs) | \$500 (6 hrs) | | Starr: Premier | \$250,000 per person primary coverage | \$500,000 per person | \$1,500 (6 hrs) | \$500 (6 hrs) | | Generali Global Assistance Premium | \$250,000 per person secondary coverage | \$1,000,000 per person | \$1,000 (6 hrs) | \$500 (12 hrs) | | HTH Worldwide Travel Insurance TripProtector Preferred | \$500,000 per person primary coverage | \$1,000,000 per person | \$2,000 (6 hrs) | \$400 (12 hrs) | | PrimeCover Luxe | \$250,000 per person primary coverage | \$1,000,000 per person | \$3,000 (6 hrs) | \$600 (8 hrs) | | Travelex: Ultimate | \$250,000 per person primary coverage | \$1,000,000 per person | \$2,000 (5 hrs) | \$500 (12 hrs) | | Trawick International safe Travels Voyager | \$250,000 per person primary coverage | \$1,000,000 per person | \$3,000 (6 hrs) | \$600 (8 hrs) | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor *** ## User Opinions of Travel Insurance Companies Forbes Advisor collects consumer sentiment both directly through NPS surveys and indirectly by collecting customer feedback across the internet using the Consumer Sentiment Index (CSI). This is how real customers described their opinion of the top travel insurance companies: | Plan | CSI rating | How Likely to Recommend | Common Positive Sentiments | Common Negative Sentiments | |---|---|---|---|---| | IMG iTravelInsured LX | 6\.3/10 | Somewhat likely to recommend | Coverage options and pricing | Delays in claims processing | | Nationwide Cruise Luxury | 6\.6/10 | Somewhat likely to recommend | Easy buying process and quality coverage | Challenges with claims filing and processing | | WorldTrips Atlas Journey Elevate | 6\.5/10 | Somewhat likely to recommend | A wide variety of quality coverage options | Customer service experience | | Seven Corners: Cruise Insurance | 6\.1/10 | Somewhat likely to recommend | Easy buying process | Mixed reviews on claims processing | | Generali Global Assistance Premium | 6\.2/10 | Somewhat likely to recommend | Pricing and policy offerings | Customer service and claims experience | | HTH Worldwide Travel Insurance TripProtector Preferred | 7\.1/10 | Likely to recommend | Pricing and coverage options | Challenging claims process | | Travelex: Ultimate | 7\.4/10 | Likely to recommend | Competitive pricing and easy buying process | Slow and complex claims process | | Trawick International safe Travels Voyager | 6\.5/10 | Somewhat likely to recommend | Straightforward buying process and pricing | Poor communication and support during claims processing | [See Plans](https://travel.comparecoverage.com/?theme=fa5a1&subid=seo) via Forbes Advisor *Editor’s note: Starr and PrimeCover are brand-new products that don’t have enough consumer reviews to rank or rate consumer sentiment adequately. As additional data accumulates, we will include the Consumer Sentiment Index analysis for Starr and PrimeCover in this space.* *** Expert tip ![Jason Metz](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason Metz Insurance Lead Editor ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) Les Masterson Insurance Editor ![Michelle Megna](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) Michelle Megna Insurance Lead Editor ![Jason Metz](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason Metz Insurance Lead Editor ![Jason Metz](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-scaled-e1621974639148.jpg) Jason Metz Insurance Lead Editor ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686.jpg) Les Masterson Insurance Editor ![Michelle Megna](https://thumbor.forbes.com/thumbor/fit-in/80x80/https://www.forbes.com/advisor/wp-content/uploads/2021/10/Michelle-Megna.jpeg) Michelle Megna Insurance Lead Editor ### Start by Estimating the Nonrefundable Trip Cost The nonrefundable trip cost is the amount you want to insure for trip cancellation. If you’re unsure of what the total cost will be, estimate the amount and then update it later with the travel insurance company, as long as you do so before your departure date. ### Decide How Much Cancellation Flexibility You Want If you have a lot of nonrefundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy of a general travel insurance plan. ### Begin Shopping Right After Your First Trip Deposit It’s recommended to purchase insurance immediately after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and [preexisting medical condition exclusion waivers](https://www.forbes.com/advisor/travel-insurance/pre-existing-conditions/). *** ## The Most Critical Coverage Types Based on Claims When [purchasing travel insurance,](https://www.forbes.com/advisor/travel-insurance/average-travel-insurance-cost/) you want to be sure you have essential coverage for pre- and post-departure problems that can derail your trip. Based on claims data from Tin Leg, a travel insurance company, trip cancellations, travel delays, trip interruptions and medical expenses are the top claims. It’s wise to be sure you have generous coverage for these types of emergencies when shopping for a good travel insurance plan. | Coverage | % of claims | |---|---| | Trip cancellation | 28\.57% | | Travel delay | 20\.24% | | Trip interruption | 18\.69% | | Emergency medical expense | 16\.19% | | Missed connection | 4\.52% | | Baggage and personal items | 4\.40% | | Baggage delay | 3\.93% | | “Cancel for any reason” | 3\.10% | | Airline ticket change fee | 0\.24% | | Medical evacuation | 0\.12% | *** *** ## Frequently Asked Questions (FAQs) Having a “hospital of choice” feature in your travel insurance policy means the policy will pay for you to be transported to the treatment facility of your choice after initial care at the nearest adequate medical center. It is included in top-rated policies such as IMG’s iTravelInsured Travel LX, WorldTrips’ Atlas Journey Elevate and PrimeCover’s Luxe. Some policies offer it as an upgrade that you can purchase, such as Travelex’s Ultimate policy. You can get inexpensive travel insurance by assessing the type and amount of coverage you need as well as your trip cost. Start by insuring only nonrefundable trip costs. You can’t make a travel insurance claim for costs you can get refunded. So, if your plane tickets are refundable, you wouldn’t include that in your trip cost. If you’re not traveling outside of the U.S. to go overseas, you probably don’t need high travel health insurance limits, which can also keep costs affordable. You also want to be sure you don’t buy unnecessary coverage. For example, if your main concern is covered by standard trip cancellation, such as canceling due to an illness, you can be covered without spending extra money on a CFAR upgrade. Another example: you don’t need [baggage insurance](https://www.forbes.com/advisor/travel-insurance/how-travel-insurance-works-for-baggage/) of \$2,000 if you’re packing \$300 worth of T-shirts, shorts and a swimsuit for a weekend getaway. When looking for a place to buy general travel or business travel insurance, you can go online to company websites or aggregator sites that allow you to compare travel insurance plans from different insurance providers. You’ll be able to search for medical travel insurance, overseas travel insurance, domestic travel insurance, short term medical insurance for international travel, multi-trip and single-trip travel insurance, and more. The information you need to buy reliable travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure. **The average cost of travel insurance is 5% to 6% of your trip cost**, based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the cost of the trip being insured. *Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA [License](https://comparecoverage.com/licenses?tblci=GiC3tTCwpzKAUOrb9RLU-H5LqRiE_R3TA80njmbnHMIjviDnpGIojca-7peLmeBgMMKoSQ) \# 6011227. While our parent company has an interest in PrimeCover, our review of the product was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.*
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