Best Travel Insurance

The Best Travel Companies

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The best travel insurance companies give you the freedom to enjoy your journey without getting bogged down in the complexities of travel, offering primary medical coverage, generous limits, few exclusions, and top-notch customer service. In short, the best travel insurance should have your back, whether it’s helping to cover any injuries or giving you money when a huge delay strikes. In order to help you find the best insurance for your trip, we looked at 22 of the nation’s top providers. Ultimately, the cost will depend on you, your trip, and who’s coming with — which is why it’s important to compare quotes from multiple providers. Our four top picks are a great place to start.

The 4 Best Travel Insurance Companies

Best for Families

Best for Solo Travelers

Best for Thrill-Seekers

Best for Long Trips

Why we chose it

Financial strength

Travelex policies are underwritten by Berkshire Hathaway Specialty Insurance, which has an A++ rating from A.M. Best. Put simply, this means that Travelex is one of the most financially stable travel insurance providers on the market, and you won’t have to worry about the company’s ability to pay your claim.

Comprehensive coverage and upgrade options

Travelex’s Travel Select Plan has all the makings of a great travel insurance policy. It offers $50,000 of coverage for medical treatment and an impressive $500,000 for medical evacuation. If you purchase your plan within 21 days of the initial trip deposit, the policy will also offer coverage for losses due to a preexisting medical condition (excluded in most travel insurance plans). Aside from medical coverage, the plan covers everything from missed connections to baggage delays.

The standard coverage from the Travel Select plan is thorough, but we really like how Travelex packages its optional coverage, too: à la carte upgrades that you can add to your existing coverage. The coverage upgrades include popular options such as coverage for adventure or “extreme” sports and the ability to cancel for any reason.

The company also offers a medical upgrade that gives you an additional $50,000 for standard medical coverage (for a total of $100,000) and an additional $500,000 for medical evacuation (a total of $1 million) — a nice inclusion for those who want a little extra security.

Kids covered for free

For anyone traveling with families, we recommend getting a quote from Travelex. That’s because any children under 18 are covered on the Travelex Select plan for free. Most companies generally charge a flat fee for kids; when we got quotes from John Hancock, it added on about $50 per child.

Great customer service

Travelex offers some of the best customer service as well. Our phone call was answered quickly, and the rep we spoke to was knowledgeable and friendly and didn’t push us for personal data until it was appropriate — a refreshing change of pace. If anything goes wrong on your trip, the company’s 24/7 emergency assistance ensures that you’ll be able to contact a Travelex rep at any time for support.

Points to consider

Limited basic plan

While the Travel Select plan offers impressive coverage, Travelex’s basic plan did not meet our base requirements for travel insurance providers. For starters, the Travel Basic plan caps emergency medical coverage at $15,000, which is far below the recommended minimum. It also does not offer options for “extreme” activities or a Cancel for Any Reason add-on. To be fair, the basic plan may be an acceptable match for shorter domestic trips, but we feel confident the Travel Select plan is the way to go.

Not always the best deal

While price depends on a number of variables, including your location, travel destination, and trip length, it is worth noting that the Travel Select plan is Travelex’s most expensive. In other words, there is a possibility that you can find another provider that offers more thorough coverage, such as $100,000 of medical coverage, for cheaper. This isn’t guaranteed, but shopping around may lead you to a better deal elsewhere.

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