8 Best Travel Insurance Companies in 2025 (Top Providers)
Among the best travel insurance companies, Chubb, Seven Corners, and AXA provide comprehensive coverage with rates starting as low as $80 annually. Chubb offers luxury travel coverage with up to 35% online discounts. Seven Corners specializes in family trip protection, while AXA provides trip plans with discount options.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jul 9, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 9, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Chubb, Seven Corners, and AXA are the best travel insurance companies, with annual premiums starting at $80. This guide helps you compare travel insurance companies and find the best fit for your needs.
Our Top 8 Picks: Best Travel Insurance Companies| Company | Rank | Trip Cancellation | Trip Interruption | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 100% of trip cost | 150% of trip cost | Luxury Travelers | Chubb |
 | #2 | 100% of trip cost | 100% of trip cost | Family Trips | Seven Corners |
 | #3 | 100% of trip cost | 100% of trip cost | Comprehensive Plans | AXA |
 | #4 | $10,000 | $15,000 | Medical Coverage | IMG |
 | #5 | $10,000 | $15,000 | Budget Trips | TravelSafe |
 | #6 | $10,000 | $10,000 | Single Trips | Allianz |
 | #7 | $3,000 | $3,000 | Cheapest Rates | Pacific Cross |
 | #8 | $2,500 | $2,500 | Adventure Sports | World Nomads |
We review the top 8 travel insurance providers based on coverage options, customer satisfaction, claim processes, and pricing.
- Chubb and TravelSafe offer up to 35% online promotional discounts
- Pacific Cross has the most affordable annual rates at $80
- IMG offers up to 20% group travel discounts
Whether you’re looking for Medicare eligibility abroad, trip cancellation protection, or 24/7 assistance, this article breaks down everything you need to know to make an informed decision before your next adventure. Enter your ZIP code to start comparing premiums from highly-rated insurers in your area.
Why Travel Insurance Matters
Travel insurance is a protective policy designed to cover unexpected expenses during your trip, offering financial support when things go wrong. At its core, it helps travelers manage risks such as medical emergencies, trip cancellations, lost luggage, or emergency evacuations.
One of the significant advantages is medical protection, particularly when traveling overseas without access to your normal healthcare system.
It guarantees you get the treatment you need without being overwhelmed by expenses. Second, trip cancellation or interruption is usually covered under travel insurance, refunding non-refundable costs if you cancel or interrupt your trip for unforeseen reasons. Lost luggage compensation and emergency evacuation assistance also add crucial layers of protection.
Travel insurance is a smart idea when you're planning a trip because it helps protect your money and keeps you safe.
Scott Young MANAGING EDITOR
Things like flight delays or political unrest can really throw a wrench in your plans. That’s why having the best-rated travel insurance becomes essential.
Read More: What We Learned Analyzing 815 Insurance Companies
As part of your travel planning, consulting can help identify what’s the best travel insurance company for your specific needs. Travel insurance is like a safety net that ensures you’re protected if something unexpected happens, allowing you to enjoy your trip without worry.
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Cost Factors When Choosing a Travel Insurance Company
Now that we understand the importance of travel insurance let’s explore the key factors to consider when choosing a provider. Traveling is exciting, but being prepared for the unexpected is essential. To make the right choice, you’ll need to evaluate a few critical elements before selecting a travel insurance company.
Price and Coverage
Price is another essential element to note while selecting a travel insurance provider. Upon analyzing annual premiums and coverage among the leading travel insurance providers, it’s clear that prices and coverage terms vary significantly. Pacific Cross offers the most affordable travel insurance at $80 annually, while IMG has the highest premium at $160 for comprehensive coverage.
Travel Insurance Basic Plan Cost and Coverage| Provider | Annual Cost | Trip Cancellation | Trip Interruption | Emergency Medical | Medical Evacuation |
|---|---|---|---|---|---|
| $130 | $10,000 | $10,000 | $10,000 | $50,000 |
| $140 | 100% of trip cost | 100% of trip cost | $25,000 | $100,000 |
| $100 | 100% of trip cost | 150% of trip cost | $10,000 | $100,000 |
| $160 | $10,000 | $15,000 | $100,000 | $500,000 |
| $80 | $3,000 | $3,000 | $60,000 | $100,000 |
| $140 | 100% of trip cost | 100% of trip cost | $100,000 | $250,000 |
| $120 | $10,000 | $15,000 | $35,000 | $100,000 |
| $150 | $2,500 | $2,500 | $100,000 | $300,000 |
However, low premiums don’t always equate to better value—top-rated insurance companies for travel, such as Chubb, Seven Corners, and AXA, offer essential benefits with comprehensive coverage options. Chubb provides 100% trip cost coverage for both cancellation and interruption, making it ideal for luxury travelers. Seven Corners offers similar comprehensive coverage specifically designed for family trips, while AXA provides well-rounded protection for various travel needs.
Top Travel Insurance Coverage| Coverage | What it Covers |
|---|---|
| Accidental Death & Dismemberment | Death or limb loss from a travel accident |
| Baggage Loss | Lost, stolen, or damaged luggage and items |
| Cancel for Any Reason | Partial refund if canceling for a non-covered reason |
| Emergency Medical | Medical expenses for illness or injury while traveling |
| Medical Evacuation | Transport to nearest facility during a medical emergency |
| Trip Cancellation | Reimbursement for canceled trip due to a covered reason |
| Trip Delay | Extra costs from travel delays due to a covered reason |
| Trip Interruption | Refund for unused trip if it ends early due to a covered reason |
Comparing plans and getting an insurance plan that works for you means balancing price with protections that matter most for your travel needs. World Nomads and IMG are good choices if you want insurance that covers adventure sports and medical emergencies. Ultimately, evaluating both price and coverage helps ensure you select the best quote for travel insurance that delivers true value.
Customer Service & Claim Process
Equally important is customer service—top-rated travel insurance providers offer reliable and responsive support when things go wrong, such as during flight cancellations or delays. A dependable provider can change your flight plans, find you a place to stay, and make everything easier so you don’t worry too much.
A good company makes claiming simple. When bags are lost, or there’s trouble, you want quick, straightforward help.
Read More: How to File an Auto Insurance Claim & Win It Each Time
Experienced claims adjusters play a crucial role in ensuring that claims are handled fairly and efficiently, helping you receive compensation without unnecessary hassle. Travel insurance isn’t just a cost—it’s an investment in your safety and peace of mind.
Top Travel Insurance Companies for Savings
Of the top 8 travel insurance providers, Chubb and TravelSafe lead the pack with the largest online promotional discounts at 35%, providing substantial savings for travelers who book online. IMG also impresses with excellent group travel discounts of up to 20%, making it a great option for frequent or family travelers.
Top Travel Insurance Discounts| Company | Online Promo | Group | Student | Senior | Seasonal Promo |
|---|---|---|---|---|---|
| 35% | 15% | 10% | 15% | 30% |
| 20% | 15% | 15% | 13% | 15% |
| 20% | 10% | 10% | 15% | 15% |
| 15% | 20% | 12% | 9% | 15% |
| 35% | 10% | 12% | 10% | 20% |
| 20% | 10% | 10% | 15% | 15% |
| 15% | 10% | 13% | 10% | 10% |
| 15% | 10% | 14% | 10% | 15% |
These discounts reflect key principles in tips for paying less for car insurance, such as bundling and rewarding low-risk behavior, demonstrating that smart policy selection extends beyond price alone.
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— Chubb (@Chubb) May 28, 2025
If you’re wondering, “What are the best travel insurance companies when it comes to discounts?” Those with robust online promotional offers, like Chubb and TravelSafe (35% online promos), and group travel incentives, like IMG (20% group discounts), provide added value for seasoned globetrotters.
8 Best Travel Insurance Companies
Chubb, Seven Corners, and AXA are the best travel insurance companies. Check out our pros and cons to see why these top providers offer quality coverage for those individuals traveling abroad:
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#1 – Chubb: Top Overall Pick
Pros
- Exceptional Trip Cancellation Protection: Covers 100% of your trip cost if you need to cancel, plus an impressive 150% coverage for trip interruptions – perfect when your $10,000 vacation gets derailed by emergencies.
- Luxury Travel Perks: Concierge services, premium hotel rebooking assistance, and first-class flight change support that regular travel insurance simply doesn’t offer.
- Biggest Online Savings: Score 35% off with their online promo – that’s $35 saved on every $100 of premium, beating most competitors by 5-15%.
Cons
- Premium Price Point: Annual costs exceed budget options like Pacific Cross ($80), making it less accessible for occasional travelers. For additional information, refer to our guide “Comparing Plans and Getting an Insurance Plan that Works for You.”
- Overkill for Simple Trips: Features like concierge services and luxury rebooking add costs you won’t use on budget backpacking or simple domestic trips.
#2 – Seven Corners: Best for Family Trips
Pros
- Family-First Coverage Design: Covers all family members under one policy with 100% trip cancellation and interruption protection, ensuring that if one child gets sick, everyone’s $8,000 Disney trip is protected.
- Medical Evacuation for Kids: $250,000 emergency medical evacuation coverage ensures your child gets proper care like Medicaid.
- Solid 20% Online Discount: Save $20 on every $100 of premium with their online booking, making family coverage more budget-friendly.
Cons
- Group-Only Focus: The policy structure assumes multiple travelers, making it inefficient and potentially more expensive for solo adventurers.
- Mid-Tier Discounts: 20% online savings trail behind Chubb and TravelSafe’s 35% offerings, costing families extra money.
#3 – AXA: Best for Comprehensive Plans
Pros
- All-in-One Protection: Covers trip cancellation (100% of the cost), baggage loss, medical emergencies, and flight delays under one policy – no need to buy separate coverage types.
- Global Medical Network: Direct billing arrangements with hospitals in 190+ countries mean you won’t pay upfront for that $50,000 emergency surgery in Japan. Learn more about financing what your health insurance won’t cover.
- Trip Interruption Excellence: 100% trip cost coverage if you need to cut your vacation short, whether it’s a family emergency or natural disaster.
Cons
- Information Overload: Multiple coverage types and options can confuse first-time buyers who just want basic trip protection.
- Inconsistent Discounts: Promotional offers vary by season and region, making it harder to predict your actual premium costs.
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#4 – IMG: Best for Medical Coverage
Pros
- Massive Medical Limits: $500,000 emergency medical evacuation and $100,000 emergency medical coverage provide coverage for serious incidents, such as helicopter rescues from Mount Everest or ICU stays in Switzerland.
- Group Travel Savings: 20% group discounts make it perfect for corporate trips or large family reunions, saving $200 on a $1,000 group premium.
- Pre-Existing Condition Waiver: Covers your diabetes, heart condition, or other health issues if you buy within 14 days of your initial trip deposit (See our complete guide to health insurance for more details).
Cons
- Highest Annual Cost: The $160 yearly premium costs double what Pacific Cross charges, making it expensive for travelers who rarely get sick abroad.
- Fixed Trip Limits: The $10,000 trip cancellation and $15,000 interruption caps may not fully cover the $25,000 luxury African safari.
#5 – TravelSafe: Best for Budget Trips
Pros
- Maximum 35% Online Discount: Ties with Chubb for the biggest online savings, turning a $120 premium into just $78 when you book online.
- Reasonable Annual Cost of $120: The middle-ground pricing between budget Pacific Cross ($80) and premium IMG ($160) makes quality coverage accessible.
- Adequate Trip Protection: $10,000 cancellation and $15,000 interruption limits cover most vacation budgets under $8,000 comfortably.
Cons
- Won’t Cover Luxury Travel: $10,000-$15,000 limits fall short for expensive trips like $20,000 European river cruises or $30,000 Antarctic expeditions.
- Basic Medical Coverage: $35,000 emergency medical and $100,000 evacuation limits might not handle complex surgeries in expensive countries, especially concerning younger travelers with basic coverage (Check more in our millennial’s guide to health insurance).
#6 – Allianz: Best for Single Trips
Pros
- One-Trip Optimization: Policy designed for single vacations with $10,000 trip cancellation, $10,000 interruption, and $10,000 emergency medical. Learn how Allianz became the world’s largest insurer.
- Fair $130 Annual Pricing: Costs $50 less than IMG while providing solid coverage for travelers who take 1-2 trips annually.
- Emergency Medical Evacuation: $50,000 coverage gets you home safely from most international destinations without breaking the bank.
Cons
- Poor Value for Frequent Travelers: Annual policy structure wastes money if you take 4+ trips yearly – per-trip policies would cost less.
- Average Discount Programs: 20% online, 10% group, and 15% senior discounts lag behind TravelSafe and Chubb’s 35% online offers.
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#7 – Pacific Cross: Best for Cheapest Rates
Pros
- Unbeatable $80 Annual Cost: Costs half of TravelSafe ($120) and one-third less than Allianz ($130), making travel insurance accessible to tight budgets.
- Essential Trip Protection: $3,000 cancellation and interruption coverage handles weekend getaways, domestic flights, and budget international trips perfectly.
- No-Frills Efficiency: Straightforward coverage without complex riders or add-ons that first-time buyers don’t need or understand. Much simpler than navigating programs like Medicare (see our expert guide to Medicare for comparison).
Cons
- Severely Limited Trip Coverage: $3,000 limits won’t even cover a basic $5,000 European vacation, leaving you exposed to major financial losses.
- Minimal Promotional Offers: A 15% online discount pales in comparison to Chubb and TravelSafe’s 35% savings, ultimately costing you more in the long run.
#8 – World Nomads: Best for Adventure Sports
Pros
- Adventure Sports Coverage: Only provider that covers bungee jumping, skydiving, scuba diving, and mountain climbing – activities that void most standard policies. Learn more about its single premium life insurance.
- Backpacker-Friendly Limits: The $2,500 trip cancellation and interruption limits match typical backpacking budgets of $2,000-$ 4,000 perfectly.
- High-Risk Medical Coverage: $300,000 emergency medical evacuation handles helicopter rescues from remote climbing locations or diving accidents.
Cons
- Useless for Luxury Travel: $2,500 trip limits won’t cover a $15,000 luxury resort stay or $10,000 first-class flights to Asia.
- Expensive for Basic Travelers: The $150 annual cost is nearly double the Pacific Cross ($80) without added value for travelers who stick to museums and beaches.
How to Find the Best Travel Insurance Company
Choosing one of the top 3 travel insurance companies can make all the difference when unexpected events disrupt your plans. Chubb is the best trip insurance company for luxury travelers, offering 100% trip cancellation coverage and 150% trip interruption protection, plus 35% online discounts that are ideal for high-end vacations requiring premium support.
Seven Corners stands out as the best company for travel insurance if you’re planning family trips, offering 100% trip cost protection designed specifically for group travel dynamics and $250,000 emergency medical evacuation coverage.
AXA provides dependable coverage at great value, with reliable claims processing and flexible plan options that cover everything from trip cancellation to medical emergencies in one policy.
These insurers are also helpful when you’re denied insurance coverage elsewhere, often offering plans with fewer exclusions and broader eligibility. Whether it’s trip cancellations, medical emergencies abroad, or lost luggage, these providers offer strong protection and peace of mind.
Choose one for reliable coverage and support wherever you travel. See how much you could save on coverage by entering your ZIP code into our free quote comparison tool.
Frequently Asked Questions
What happens if I’m in an accident while traveling?
The best travel insurance companies cover medical costs, emergency transport, and trip interruptions. Some even consider buckling up behaviors when determining benefits, rewarding safe travelers with faster claims and enhanced coverage options.
What makes a travel insurance company the best?
The best travel insurance companies offer comprehensive coverage, strong customer support, affordable pricing, and high customer satisfaction ratings, helping travelers stay protected during unexpected events.
Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool. Travel insurance is best when it’s both affordable and tailored to your needs.
Which travel insurance company has the best customer reviews?
Many travelers consider the best travel insurance company to be one that combines excellent reviews, quick claims processing, and dependable support, often including names like Allianz, Travelex, and World Nomads.
Why should I consider travel insurance if I already have health coverage?
The best travel insurance companies help finance what your health insurance won’t cover, including emergency evacuations, overseas treatments, and unexpected trip cancellations that typical health plans often exclude while traveling internationally.
What travel insurance companies cover adventure sports?
Top providers like World Nomads and IMG offer plans that cover adventure sports, making them some of the best travel insurance companies for thrill-seeking travelers. Use our free quote comparison tool to find the cheapest coverage in your area.
Which company offers the best coverage for lost luggage?
Travelex and Allianz are often praised for offering the best luggage insurance, with generous limits and quick claims, making them top picks among the best travel insurance options.
What types of emergencies do top travel insurance companies typically cover?
Leading travel insurance providers typically cover medical emergencies, trip cancellations, lost luggage, and delays, providing comprehensive support wherever you are in the world.
How do the best travel insurance companies protect my personal information?
Top travel insurance companies safeguard your data through strict security protocols outlined in their privacy policy, ensuring your personal and financial details remain confidential before, during, and after your trip.
Can I get coverage for adventure sports or high-risk activities?
Many of the best travel insurance companies offer optional add-ons or specialized plans that include coverage for activities like skiing, scuba diving, or hiking, which standard policies may exclude.
Are there travel insurance companies that offer COVID-19 coverage?
Yes, several of the best travel insurance companies offer COVID-19 coverage, including trip cancellation and emergency medical expenses if you contract the virus before or during travel.
Read More: How to Finance What Your Health Insurance Won’t Cover
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.