Traveling is exciting, but it also comes with risks flight delays, medical emergencies, lost luggage, and even unexpected trip cancellations. That’s where travel insurance becomes essential. If you’re searching for the best travel insurance companies in the USA, this guide will help you choose a provider that offers the right balance of affordability, coverage, and reliability.
Whether you need cheap travel insurance for international trips, cruise travel protection, or comprehensive medical coverage, the companies below are the top-rated options for 2025.
Why You Need Travel Insurance?
Many travelers wonder, is travel insurance worth it. The answer is yes especially when traveling abroad or booking expensive trips. Travel insurance provides:
- Trip cancellation protection: Reimbursement for prepaid expenses if you can’t travel.
- Emergency medical coverage: Crucial if your health insurance doesn’t cover international care.
- Evacuation and repatriation: Covers the cost of medical evacuation back home.
- Lost or delayed baggage protection: Reimbursement for essentials if bags are lost or delayed.
- 24/7 travel assistance: Round-the-clock help for emergencies.
With the right policy, you can travel with peace of mind knowing you’re covered.
Top 8 Best Travel Insurance Companies in the USA:
Here are the leading travel insurance providers in 2025, trusted by millions of travelers.
Allianz Global Assistance – Best for Frequent Travelers:
Allianz is one of the most recognized names in travel insurance.
- Offers single-trip and annual multi-trip policies.
- Great for frequent travelers and families (children often covered free).
- 24/7 assistance with a user-friendly mobile app.
Best for: People who travel multiple times per year.
Travel Guard by AIG (Zurich) – Best Customizable Plans:
Travel Guard (now Zurich) offers a wide variety of flexible coverage options.
- Choose from Essential, Preferred, and Deluxe plans.
- Add-ons include Cancel for Any Reason (CFAR) and pre-existing condition waivers.
- Strong medical and evacuation coverage.
Best for: Travelers who want to customize their insurance.
Travelex Insurance Services – Best Overall Coverage:
Travelex is consistently ranked as one of the best travel insurance companies in the USA.
- Affordable single-trip plans.
- Generous trip cancellation and baggage coverage.
- Strong medical protection for international travelers.
Best for: Families and international trips.
World Nomads – Best for Adventure Travelers:
World Nomads is designed for active travelers who enjoy sports and outdoor adventures.
- Covers 200+ adventure activities like scuba diving, skiing, and trekking.
- Ability to extend coverage while traveling.
- Flexible and ideal for long-term travel.
Best for: Backpackers, digital nomads, and adventure seekers.
Seven Corners – Best for Customer Support:
Seven Corners offers versatile policies with strong customer service.
- Includes CFAR coverage and pre-existing condition waivers.
- 24/7 multilingual assistance.
- Great ratings on Trustpilot and Squaremouth.
Best for: Travelers who value reliable support.
Berkshire Hathaway Travel Protection (BHTP) – Best for Fast Claims:
Backed by Warren Buffett’s Berkshire Hathaway, BHTP is known for technology-driven payouts.
- Offers ExactCare and luxury travel policies.
- Instant claims for common issues like flight delays.
- Great for business and frequent travelers.
Best for: Tech-savvy travelers who want quick claim processing.
IMG (iTravelInsured Travel LX) – Best for Medical Coverage:
IMG provides some of the highest medical coverage in the industry.
- Up to $500,000 in medical coverage and $1 million evacuation coverage.
- Includes hospital-of-choice and CFAR upgrades.
- Covers baggage loss, delays, and trip interruptions.
Best for: Travelers who want top-tier medical protection.
Nationwide Travel Insurance – Best Budget Option:
Nationwide offers affordable and comprehensive plans.
- Cruise, single-trip, and annual plans available.
- CFAR upgrades for added flexibility.
- Great mix of affordability and coverage.
Best for: Budget-conscious travelers who still want strong coverage.
How to Choose the Best Travel Insurance Policy
When comparing travel insurance in the USA, consider:
- Destination: Some regions have higher medical costs.
- Trip cost: Buy coverage that matches your prepaid expenses.
- Medical coverage: At least $100,000 for international trips.
- Adventure activities: Make sure risky sports are covered.
- Cancel For Any Reason (CFAR): Provides maximum flexibility.
- Customer reviews: Look for companies with responsive support.
Final Thoughts:
Choosing the best travel insurance company in the USA depends on your travel style, budget, and destination. No matter where you go, the right travel insurance policy ensures you’re protected from unexpected costs and can focus on enjoying your trip.
