If you’ve ever had a flight canceled at the last minute or dealt with lost luggage, you already know that travel insurance isn’t just an optional add-on—it’s a necessity. Whether you’re planning a quick weekend getaway or an extended international adventure, the right travel insurance policy can safeguard your investment, health, and peace of mind.
With countless providers offering different coverage options, finding the perfect policy can feel like trying to book a first-class ticket at economy prices—confusing and overwhelming. To simplify your search, we’ve analyzed the top travel insurance companies for 2025 based on coverage, customer satisfaction, affordability, and ease of claims processing.
Why You Need Travel Insurance
Travel mishaps can happen at any time—baggage gets lost, flights get delayed, and sometimes, emergencies arise that force you to cancel your plans. A good travel insurance policy ensures you don’t end up footing the bill for circumstances beyond your control.
Common travel insurance benefits include:
- Trip cancellation and interruption coverage (for covered reasons)
- Emergency medical expenses (including preexisting conditions in some cases)
- Lost, stolen, or delayed baggage reimbursement
- Emergency evacuation and repatriation
- Cancel for any reason (CFAR) coverage (available with select policies)
The Best Travel Insurance Companies of 2025
After evaluating dozens of providers, these nine travel insurance companies stand out for their comprehensive coverage and top-rated customer service.
1. Travelex Insurance Services – Best Overall
- Best For: Comprehensive trip protection with multiple upgrade options.
- Why We Love It: Travelex offers three plans—Essential, Advanced, and Ultimate—giving travelers flexibility in choosing coverage that fits their needs. Their Ultimate plan is the most robust, covering trip cancellations, delays, lost baggage, medical emergencies, and even pet coverage.
- Coverage Highlights:
- 100% trip cancellation reimbursement (up to $50,000)
- 150% trip interruption coverage (up to $75,000)
- Emergency medical and dental coverage up to $250,000
- $1 million in emergency evacuation and repatriation
- User Ratings: 4.4/5 (Trustpilot), 4.43/5 (Squaremouth)
👉 Get a Quote from Travelex
2. Nationwide Insurance – Best for Last-Minute Travel
- Best For: Travelers who book trips at the last minute.
- Why We Love It: Nationwide allows you to buy travel insurance up to a day before departure, making it a solid option for procrastinators.
- Coverage Highlights:
- Trip cancellation coverage up to $30,000
- 200% reimbursement for trip interruptions
- $1 million in emergency evacuation and repatriation
- User Ratings: 4.02/5 (Squaremouth)
3. Seven Corners – Best for 24/7 Travel Support
- Best For: Travelers who want round-the-clock assistance.
- Why We Love It: Seven Corners provides 24/7 emergency travel assistance, including help with lost passports, medical emergencies, and trip interruptions.
- Coverage Highlights:
- Trip interruption up to 150% of trip cost
- Up to $500,000 in medical coverage
- $1 million in emergency medical evacuation
- User Ratings: 4.3/5 (Trustpilot), 4.37/5 (Squaremouth)
👉 Explore Seven Corners’ Plans
4. Berkshire Hathaway Travel Protection – Best for Specialized Coverage
- Best For: Travelers looking for customizable insurance plans.
- Why We Love It: Whether you’re on a road trip, an adventure vacation, or a cruise, Berkshire Hathaway has a policy tailored for you.
- Coverage Highlights:
- 100% trip cancellation coverage
- Medical coverage up to $100,000
- Emergency evacuation up to $1 million
- User Ratings: 4.29/5 (Squaremouth)
👉 See Berkshire Hathaway’s Options
5. Tin Leg – Best for Preexisting Conditions
- Best For: Travelers with chronic conditions.
- Why We Love It: Seven out of Tin Leg’s eight plans cover preexisting conditions, provided the policy is purchased within 14-15 days of the first trip payment.
- Coverage Highlights:
- 100% trip cancellation coverage
- $100,000 in emergency medical coverage
- $250,000 in medical evacuation and repatriation
- User Ratings: 4.56/5 (Squaremouth), 3.7/5 (Trustpilot)
6. WorldTrips – Best for Lost or Stolen Baggage
- Best For: Travelers carrying high-value items.
- Why We Love It: WorldTrips provides up to $2,500 in baggage coverage, including $500 per individual item—perfect for those carrying cameras, laptops, or other valuables.
- Coverage Highlights:
- Up to $1 million for medical evacuation
- Up to $250,000 in emergency medical coverage
- Missed connection coverage up to $1,500
- User Ratings: 4.4/5 (Trustpilot), 4.26/5 (Squaremouth)
👉 Check WorldTrips’ Policies
7. Allianz Travel Insurance – Best Cancel for Any Reason (CFAR) Upgrade
- Best For: Travelers who want maximum flexibility.
- Why We Love It: Allianz’s Cancel Anytime upgrade reimburses up to 80% of your trip cost, regardless of the reason for cancellation.
- Coverage Highlights:
- $200,000 in trip cancellation coverage
- $1 million in emergency medical evacuation
- Travel delay reimbursement up to $1,600
- User Ratings: 4.1/5 (Trustpilot)
👉 Compare Allianz Travel Insurance Plans
8. Travel Insured International – Best for Customer Service
- Best For: Travelers who prioritize hassle-free claims processing.
- Why We Love It: Known for excellent customer support, this provider offers high limits on medical and trip cancellation coverage.
- Coverage Highlights:
- Up to $500,000 in medical coverage
- $1 million in emergency evacuation
- Up to 150% trip interruption coverage
- User Ratings: 4.3/5 (Trustpilot), 4.4/5 (Squaremouth)
👉 See Travel Insured’s Plans
How Much Does Travel Insurance Cost?
Here’s a quick snapshot of travel insurance costs for a weeklong trip to Spain in June 2025:
| Company | Solo Traveler (25 y/o) | Couple (35 y/o) | Family (4, 45, 45, 12, 10) |
|---|---|---|---|
| Travelex Insurance (Ultimate) | $133 | $224 | $288 |
| Nationwide (Prime) | $141 | $301 | $530 |
| Seven Corners (Elite) | $153 | $368 | $644 |
| Berkshire Hathaway (LuxuryCare) | $153 | $258 | $621 |
| Tin Leg (Luxury) | $140 | $207 | $567 |
Final Thoughts: Is Travel Insurance Worth It?
If you’re spending thousands on a vacation, travel insurance is a smart investment. While it may seem like an extra cost upfront, the right policy can save you from financial disaster if something goes wrong. Whether it’s medical emergencies, trip cancellations, or lost luggage, having the right coverage means less stress and more adventure.
Before you book your next trip, compare policies and get a quote from one of these top-rated travel insurance providers. Safe travels! 🚀