1. Allianz Global Assistance
Allianz is one of the most recognized names in the travel insurance industry. Their Comprehensive and OneTrip Prime plans provide trip cancellation, emergency medical, and baggage protection.
- Highlights:
- 24/7 travel assistance
- Customizable coverage options
- Coverage for COVID-19 related emergencies
- Best For: Frequent international travelers
2. World Nomads
Perfect for adventure seekers and digital nomads, World Nomads offers flexible coverage for activities like skiing, scuba diving, and hiking.
- Highlights:
- Affordable for long trips
- Covers over 200 adventure sports
- Easy online claims
- Best For: Adventure travelers
3. Travel Guard by AIG
A trusted brand with comprehensive coverage, Travel Guard offers plans that include trip cancellation, medical emergencies, and concierge services.
- Highlights:
- 24/7 assistance hotline
- Coverage for lost luggage and trip delays
- Customizable plans
- Best For: Business and luxury travelers
4. IMG Travel Insurance
IMG is known for strong medical coverage and evacuation benefits, making it ideal for long-term travelers and students abroad.
- Highlights:
- Up to $1 million in medical coverage
- Telemedicine options
- Trip interruption and delay benefits
- Best For: Students and expatriates
5. AXA Assistance USA
AXA is a global leader with affordable international plans that include emergency medical, evacuation, and trip protection.
- Highlights:
- High medical coverage limits
- Schengen visa-compliant plans
- 24/7 worldwide support
- Best For: European travel
6. Seven Corners
A top choice for travelers looking for customizable plans with strong medical benefits.
- Highlights:
- Comprehensive and medical-only options
- Coverage for pre-existing conditions (with some plans)
- Multilingual support
- Best For: Group travelers and families
7. Travelex Insurance Services
Travelex offers budget-friendly plans with great benefits for families. Kids under 17 are often covered for free.
- Highlights:
- Trip cancellation and medical coverage
- Free coverage for children
- Excellent customer support
- Best For: Family vacations
8. Berkshire Hathaway Travel Protection
Known for innovative and tech-driven claims processing, Berkshire Hathaway offers fast payouts and reliable coverage.
- Highlights:
- Fast claims via mobile app
- 24/7 global assistance
- Multiple plan options
- Best For: Travelers who want quick reimbursements
9. Generali Global Assistance
Generali provides solid coverage for trip interruption, baggage loss, and medical emergencies.
- Highlights:
- Identity theft protection
- Free concierge services
- COVID-19 coverage included
- Best For: Seniors and retirees
10. Insure My Trip (Comparison Platform)
Not a provider, but Insure My Trip helps you compare plans from multiple insurers in one place.
- Highlights:
- Compare top-rated insurers
- Guaranteed lowest prices
- Expert advice available
- Best For: First-time travelers
What to Look for in International Travel Insurance
When choosing a policy, consider these key features:
- Emergency Medical Coverage: At least $100,000 for international travel
- Trip Cancellation and Interruption: Protects against financial loss
- Medical Evacuation: Especially important for remote destinations
- Baggage Loss and Delay: Helps replace essentials quickly
- COVID-19 Coverage: Still relevant for many destinations
Average Cost of International Travel Insurance
On average, travel insurance costs 4%–10% of your total trip cost. For a $3,000 trip, expect to pay $120–$300 depending on coverage and age.
Final Thoughts
Choosing the best travel insurance for international travelers depends on your trip type, budget, and health needs. Allianz, World Nomads, and Travel Guard are great for most U.S. travelers, while IMG and Seven Corners cater to long-term stays and students abroad.
FAQs
Q1. Do I really need travel insurance for international trips?
Yes, because most U.S. health insurance plans do not cover you overseas. Travel insurance ensures you’re protected against medical emergencies and trip disruptions.
Q2. Does travel insurance cover COVID-19?
Most leading providers now include COVID-19-related coverage for medical treatment and cancellations.
Q3. How do I buy travel insurance?
You can purchase directly from the insurer’s website or through comparison platforms like InsureMyTrip.
Q4. Can I buy travel insurance after booking my flight?
Yes, but buying early ensures you get trip cancellation benefits.