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WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies. Its Atlas Journey Preferred and Atlas Journey Premier plans get 5 stars in our rating because of the extensive coverage they provide for the price. Both plans come with high limits for important benefits such as emergency medical and evacuation, travel delay and missed connections. WorldTrips travel insurance also offers a pre-existing medical condition exclusion waiver if you buy a plan within 21 days of making your first trip deposit.

Best travel insurance of 2024

BEST TRAVEL INSURANCE COMPANYTOP-SCORING PLANOUR RATINGAVERAGE COST OF TOP-SCORING PLANWHY IT’S THE BEST
Atlas Journey Preferred and Atlas Journey Premier (tie)
$334 / $408Best travel insurance
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANAtlas Journey Preferred and Atlas Journey Premier (tie)
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$334 / $408
WHY IT’S THE BESTBest travel insurance
Worldwide Trip Protector
$370Best travel insurance for emergency evacuation
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANWorldwide Trip Protector
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$370
WHY IT’S THE BESTBest travel insurance for emergency evacuation
Classic
$431Best travel insurance for missed connections
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANClassic
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$431
WHY IT’S THE BESTBest travel insurance for missed connections
Go Ready Choice
$305Best trip insurance for traveling with a pet
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANGo Ready Choice
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$305
WHY IT’S THE BESTBest trip insurance for traveling with a pet
Travel Select
$391Best travel insurance for families
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANTravel Select
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$391
WHY IT’S THE BESTBest travel insurance for families
Travel Guard Preferred
$413Best travel insurance for add-on coverage options
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANTravel Guard Preferred
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$413
WHY IT’S THE BESTBest travel insurance for add-on coverage options
Cruise Choice
$407Best travel insurance for cruise itinerary changes
BEST TRAVEL INSURANCE COMPANY
TOP-SCORING PLANCruise Choice
OUR RATING
AVERAGE COST OF TOP-SCORING PLAN$407
WHY IT’S THE BESTBest travel insurance for cruise itinerary changes

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips. This plan offers solid travel insurance for cruises for a low rate.

CRUISE INSURANCETOP-SCORING PLANCRUISE INSURANCE RATINGAVERAGE COST OF CRUISE INSURANCELearn More
Atlas Journey Preferred
$334

Via TravelInsurance.com’s website

CRUISE INSURANCE
TOP-SCORING PLANAtlas Journey Preferred
CRUISE INSURANCE RATING
AVERAGE COST OF CRUISE INSURANCE$334
Learn More

Via TravelInsurance.com’s website

Atlas Journey Premier
$408

Via TravelInsurance.com’s website

CRUISE INSURANCE
TOP-SCORING PLANAtlas Journey Premier
CRUISE INSURANCE RATING
AVERAGE COST OF CRUISE INSURANCE$408
Learn More

Via TravelInsurance.com’s website

Classic
$431

Via TravelInsurance.com’s website

CRUISE INSURANCE
TOP-SCORING PLANClassic
CRUISE INSURANCE RATING
AVERAGE COST OF CRUISE INSURANCE$431
Learn More

Via TravelInsurance.com’s website

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners. It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

COVID TRAVEL INSURANCETOP-SCORING PLANCOVID TRAVEL INSURANCE RATINGAVERAGE COST OF COVID TRAVEL INSURANCELearn More
Trip Protection Basic
$502

Via TravelInsurance.com’s website

COVID TRAVEL INSURANCE
TOP-SCORING PLANTrip Protection Basic
COVID TRAVEL INSURANCE RATING
AVERAGE COST OF COVID TRAVEL INSURANCE$502
Learn More

Via TravelInsurance.com’s website

Atlas Journey Preferred
$513

Via TravelInsurance.com’s website

COVID TRAVEL INSURANCE
TOP-SCORING PLANAtlas Journey Preferred
COVID TRAVEL INSURANCE RATING
AVERAGE COST OF COVID TRAVEL INSURANCE$513
Learn More

Via TravelInsurance.com’s website

Atlas Journey Premier
$627

Via TravelInsurance.com’s website

COVID TRAVEL INSURANCE
TOP-SCORING PLANAtlas Journey Premier
COVID TRAVEL INSURANCE RATING
AVERAGE COST OF COVID TRAVEL INSURANCE$627
Learn More

Via TravelInsurance.com’s website

Trip Protector
$639

Via TravelInsurance.com’s website

COVID TRAVEL INSURANCE
TOP-SCORING PLANTrip Protector
COVID TRAVEL INSURANCE RATING
AVERAGE COST OF COVID TRAVEL INSURANCE$639
Learn More

Via TravelInsurance.com’s website

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

CFAR TRAVEL INSURANCETOP-SCORING PLANCFAR TRAVEL INSURANCE RATINGAVERAGE COST OF CFAR TRAVEL INSURANCELearn More
Trip Protection Basic
$502

Via TravelInsurance.com’s website

CFAR TRAVEL INSURANCE
TOP-SCORING PLANTrip Protection Basic
CFAR TRAVEL INSURANCE RATING
AVERAGE COST OF CFAR TRAVEL INSURANCE$502
Learn More

Via TravelInsurance.com’s website

Atlas Journey Preferred
$513

Via TravelInsurance.com’s website

CFAR TRAVEL INSURANCE
TOP-SCORING PLANAtlas Journey Preferred
CFAR TRAVEL INSURANCE RATING
AVERAGE COST OF CFAR TRAVEL INSURANCE$513
Learn More

Via TravelInsurance.com’s website

Travel Guard Preferred
$525

Via TravelInsurance.com’s website

CFAR TRAVEL INSURANCE
TOP-SCORING PLANTravel Guard Preferred
CFAR TRAVEL INSURANCE RATING
AVERAGE COST OF CFAR TRAVEL INSURANCE$525
Learn More

Via TravelInsurance.com’s website

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg. It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

SENIOR TRAVEL INSURANCETOP-SCORING PLANSENIOR TRAVEL INSURANCE RATINGAVERAGE COST OF SENIOR TRAVEL INSURANCELearn More
Gold
$436

Via TravelInsurance.com’s website

SENIOR TRAVEL INSURANCE
TOP-SCORING PLANGold
SENIOR TRAVEL INSURANCE RATING
AVERAGE COST OF SENIOR TRAVEL INSURANCE$436
Learn More

Via TravelInsurance.com’s website

Travels First Class
$439

Via TravelInsurance.com’s website

SENIOR TRAVEL INSURANCE
TOP-SCORING PLANTravels First Class
SENIOR TRAVEL INSURANCE RATING
AVERAGE COST OF SENIOR TRAVEL INSURANCE$439
Learn More

Via TravelInsurance.com’s website

Trip Protection Choice
$483

Via TravelInsurance.com’s website

SENIOR TRAVEL INSURANCE
TOP-SCORING PLANTrip Protection Choice
SENIOR TRAVEL INSURANCE RATING
AVERAGE COST OF SENIOR TRAVEL INSURANCE$483
Learn More

Via TravelInsurance.com’s website

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs

How much you pay for travel insurance will depend on:

  • The cost of your trip.
  • Your destination.
  • The length of your trip. 
  • The ages of travelers being insured.
  • Your state of residence.
  • The travel insurance policy you choose.
  • The total coverage amounts in your policy.
  • Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

COST OF TRIP AVERAGE COST OF TRAVEL INSURANCE
$1,000
$61
$2,500
$120
$5,000
$228
$10,000
$512
$20,000
$1,204
$30,000
$1,848
$50,000
$3,091

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

  • Emergency medical coverage: At least $50,000. 
  • Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

  • Emergency medical coverage: At least $100,000. 
  • Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

  • You may be able to add on cancel for any reason” (CFAR) coverage, an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
  • You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
  • You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

  • Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
  • In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise, travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

TRAVEL INSURANCE BENEFIT % OF SEARCHES WITH THIS FILTER APPLIED
27.45%
21.54%
14.43%
14.19%
9.32%
8.64%
8.54%
8.44%
8.26%
8.06%

*Source: Squaremouth.com. Travel insurance quote filter usage from March 24 to April 23, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles:
    • $3,000, 8-day trip to Mexico for two travelers age 30.
    • $3,000, 8-day trip to Mexico for two travelers age 70.
    • $6,000, 17-day trip to Italy for two travelers age 40.
    • $6,000, 17-day trip to Italy for two travelers age 65.
    • $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
    • $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
    • $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Preferred and Atlas Journey Premier — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

  • Trip cancellation. With trip cancellation insurance, you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business.
  • Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation.
  • Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home.
  • Travel medical. Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling.
  • Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling.
  • Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200.
  • Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems:

  • Bankruptcy of a travel insurance company, such as your airline or tour operator.
  • Dangerous weather conditions.
  • Delayed and lost luggage.
  • Illness or death in your family that requires you to stay home or cut your trip short.
  • Illness that needs medical attention.
  • Injury requiring medical evacuation.
  • Jury duty.
  • Travel delays and missed connections.
  • Terrorism.
  • Theft of your personal belongings while traveling.
  • Unexpected job loss.

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

  • Accidents or injuries caused by drinking or drug use.
  • Canceling your trip because you changed your mind.
  • Ending your trip early because you changed your mind.
  • Losses caused by intentional self harm, including suicide.
  • Losses due to war, civil disorder or riots.
  • Medical tourism.
  • Medical treatment for pre-existing conditions.
  • Mental health care.
  • Natural disasters that begin before you buy travel insurance.
  • Non-medical evacuation.
  • Normal pregnancy.
  • Medical treatment related to high-risk activities.
  • Routine medical care, such as physicals or dental care.
  • Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically.

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits.

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department.

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events.

Some credit cards, such as the Chase Sapphire Preferred® Card, offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation.

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

  • Travel Insured International — Rental car damage and theft coverage of $50,000.
  • WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible.

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations.

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill.

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub

BLUEPRINT

Heidi Gollub is the ӣƵ Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.