Best Travel Insurance Companies in the USA

Traveling is one of life’s greatest joys, but even the best-laid plans can go awry. From flight cancellations and medical emergencies to lost baggage or last-minute changes, unexpected issues can turn a dream trip into a costly nightmare. That’s where travel insurance comes in: offering peace of mind and financial protection before and during your journey. While some credit cards provide basic coverage, many travelers prefer the broader protection of a standalone travel insurance plan. Here are eight top travel insurance companies that stand out for their comprehensive coverage, customer satisfaction, and flexibility.

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection is consistently ranked as one of the top travel insurers, offering fast claims processing and strong all-around coverage. Their plans include protection for trip cancellation, delays, lost baggage, and emergency medical services. What sets Berkshire apart is its user-friendly mobile app and innovative “ExactCare” plans, which are especially appealing to families and frequent travelers.

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Allianz Global Assistance

Allianz Global Assistance is a leading choice for travelers who prioritize medical coverage. Their policies offer high limits for emergency medical and evacuation expenses, making them ideal for international trips or cruises. Allianz also provides annual plans, perfect for frequent flyers. The company’s 24/7 assistance services and strong global network of medical providers offer peace of mind wherever you go.

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Travel Guard by AIG

Travel Guard by AIG is highly recommended for travelers with pre-existing medical conditions. Their plans often include coverage for such conditions if purchased within a specific time frame, along with a wide array of additional protections. Travel Guard offers three tiers of plans (Essential, Preferred, and Deluxe), allowing travelers to choose based on budget and needs.

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World Nomads

World Nomads is tailored for travelers who enjoy hiking, scuba diving, mountain biking, and other adventurous activities. Unlike many insurers, World Nomads includes coverage for over 200 activities by default. Their policies are flexible, allowing coverage to be purchased or extended while already abroad. The company also supports responsible travel through partnerships with global nonprofits.

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Seven Corners

Seven Corners offers versatile travel insurance plans that work well alongside credit card benefits. Their customizable policies allow you to boost coverage where your card may fall short, such as emergency medical, baggage delay, or missed connections. They also offer “Wander Frequent Traveler” plans for people who take multiple trips annually.

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IMG

IMG specializes in travel medical insurance and is particularly strong for long-term travelers, expatriates, and digital nomads. Their “Patriot” series plans offer comprehensive global coverage, including emergency evacuation and repatriation. Flexible plan durations, high coverage limits, and multilingual customer service make IMG a reliable option for extended stays outside the U.S. It’s especially useful for people traveling for months at a time.

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Travelex Insurance Services

Travelex Insurance Services offers well-rounded policies with strong coverage for both trip cancellation and medical emergencies. Their two main plans, Travel Basic and Travel Select, are suitable for various types of travelers. Travelex also provides optional upgrades for adventure sports, rental car coverage, and additional medical coverage. Their services are backed by more than 25 years of experience in the industry.

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Travel Insured International

Travel Insured International stands out for offering coverage options that extend to pet-related travel concerns, such as pet return services in case of an emergency. The company provides comprehensive plans that include trip interruption, delay, baggage loss, and medical coverage. It also offers Cancel for Any Reason (CFAR) upgrades and strong support for group travel and families.

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