Traveling in 2025 is more exciting than ever, with new destinations, experiences, and adventures waiting around every corner. But along with the thrill of exploring comes the uncertainty of unexpected events—trip cancellations, medical emergencies, lost luggage, or travel delays. That’s why having reliable travel insurance is essential for every traveler. The right policy protects your investment and ensures you get the help you need, wherever you are in the world.
With so many travel insurance companies available, choosing the best one can be overwhelming. Each provider offers different coverage options, pricing, and unique benefits. This comprehensive guide reviews the 10 best travel insurance companies in 2025, highlighting their strengths and helping you find the perfect plan for your trip. Whether you’re a solo adventurer, a family traveler, or a business professional, this guide will help you make a confident, informed decision to travel with peace of mind.
1. Allianz Global Assistance
Allianz Global Assistance is a giant in the travel insurance industry, known for its comprehensive plans and global reach. Established with decades of experience, Allianz offers a wide range of policies suitable for single trips, annual multi-trip coverage, and specialized plans like international student and cruise insurance.
Coverage and Plans:
Allianz’s plans cover trip cancellations, interruptions, emergency medical care, baggage loss, and even rental car damage. Their “OneTrip Prime” plan is popular among travelers looking for comprehensive protection with a high medical coverage limit of up to $1 million. They also include coverage for COVID-19-related disruptions, which remains relevant in 2025.
Pricing and Flexibility:
Pricing varies depending on trip duration, traveler age, and destination, but Allianz is competitive, often providing affordable options for budget travelers and premium plans for those seeking extensive coverage. Flexible plans allow for easy customization.
Customer Service and Claims:
Allianz is praised for its 24/7 customer support and efficient claims process. The company provides an intuitive mobile app for policy management and claims filing, making it user-friendly for tech-savvy travelers.
Unique Features:
- No age limit on most plans
- COVID-19 coverage included
- Travel delay compensation and missed connection benefits
- Concierge service for medical and travel assistance
Allianz Global Assistance stands out as a reliable and versatile choice for all types of travelers in 2025.
2. Travel Guard by AIG
Travel Guard, a product of AIG, is known for its customizable travel insurance solutions catering to solo travelers, families, and business travelers. With extensive global partnerships, Travel Guard delivers worldwide protection with specialized add-ons.
Coverage and Plans:
Their plans cover emergency medical expenses, trip cancellations, lost or delayed baggage, and travel interruptions. Unique add-ons include adventure sports coverage and “cancel for any reason” options, giving extra flexibility for unpredictable travel plans.
Pricing and Flexibility:
Travel Guard offers tiered pricing to fit different budgets. Their entry-level “Essential” plan covers basic needs, while the “Preferred” and “Deluxe” plans offer higher coverage limits and more comprehensive protection. They also provide group plans for families or corporate travel.
Customer Service and Claims:
The company boasts a solid reputation for fast claims processing and a multilingual support team available 24/7. Their online portal and mobile app streamline claims submission and policy management.
Unique Features:
- Adventure sports and hazardous activities coverage
- Cancel for any reason upgrade
- Rental car damage protection
- Identity theft assistance services
Travel Guard’s flexibility and extensive coverage options make it an excellent choice for travelers with diverse needs in 2025.
3. World Nomads
World Nomads is a favorite for adventurous travelers and backpackers seeking flexible and affordable coverage. Founded with a focus on adventure tourism, World Nomads is known for its quick online purchasing and coverage for extreme sports.
Coverage and Plans:
World Nomads covers medical emergencies, evacuation, trip cancellation, and lost belongings. It uniquely covers adventure activities such as scuba diving, mountain climbing, and skiing, making it ideal for thrill-seekers.
Pricing and Flexibility:
Pricing is affordable and based on trip length and traveler age. The company offers “Standard” and “Explorer” plans, the latter including higher medical coverage and adventure sport benefits. Travelers can purchase or extend their policy online while traveling.
Customer Service and Claims:
World Nomads offers 24/7 support with a reputation for responsive claims service. Their online claims portal is straightforward and quick to navigate.
Unique Features:
- Coverage for over 200 adventure activities
- Ability to buy or extend coverage mid-trip
- Flexible worldwide coverage
- High emergency evacuation limits
World Nomads remains the go-to travel insurance for adventurous souls exploring the globe in 2025.
4. AXA Assistance USA
AXA Assistance USA, part of the global AXA Group, offers comprehensive travel insurance plans with a focus on medical coverage and emergency assistance. Known for strong financial backing, AXA delivers reliable insurance services worldwide.
Coverage and Plans:
AXA’s plans include trip cancellation/interruption, emergency medical and dental, lost baggage, and travel delays. Their “Travel Select” plan is popular for providing high medical limits and generous trip interruption benefits.
Pricing and Flexibility:
AXA’s pricing is competitive with various plans catering to single trips, multi-trips, and group travel. The policies allow add-ons like rental car damage and adventure sports coverage.
Customer Service and Claims:
AXA Assistance USA provides 24/7 customer support with multilingual agents and a mobile-friendly claims process. They also offer a concierge service for urgent travel assistance.
Unique Features:
- High emergency medical coverage limits
- Rental vehicle damage protection
- Cancel for any reason upgrades
- Worldwide 24/7 emergency assistance
AXA Assistance USA is a strong contender for travelers seeking robust medical and emergency coverage in 2025.
5. Travelex Insurance Services
Travelex Insurance Services is known for its family-friendly travel insurance plans with flexible coverage options tailored for domestic and international trips. It is a popular choice for travelers seeking easy-to-understand plans.
Coverage and Plans:
Travelex offers coverage for trip cancellations, emergency medical care, lost baggage, and travel delays. Their “Deluxe” plan includes high medical limits, trip interruption, and accidental death and dismemberment coverage.
Pricing and Flexibility:
Their pricing is competitive, and plans can be customized with optional upgrades such as “cancel for any reason” coverage. Travelex policies accommodate travelers of all ages, including seniors.
Customer Service and Claims:
Travelex offers 24/7 customer service with claims assistance over the phone or online. Their claims process is streamlined and customer-friendly.
Unique Features:
- Childcare expense coverage for family travelers
- Cancel for any reason option
- 24/7 emergency assistance hotline
- Coverage for pre-existing medical conditions with waiver
Travelex is ideal for families and senior travelers looking for comprehensive and flexible travel insurance in 2025.
6. IMG (International Medical Group)
IMG specializes in international health insurance and travel medical insurance, making it perfect for long-term travelers, expatriates, and digital nomads in 2025. The company is known for global medical coverage and evacuation benefits.
Coverage and Plans:
IMG offers several plans including “Patriot Travel Medical Insurance,” which covers emergency medical treatment, evacuation, and trip interruption. Their plans also include coverage for COVID-19 and pre-existing conditions under specific criteria.
Pricing and Flexibility:
Pricing is based on trip length, age, and destination, with customizable deductibles and coverage limits. IMG provides short-term travel medical insurance and long-term expatriate coverage.
Customer Service and Claims:
IMG offers multilingual customer support available 24/7 and a simple online claims submission system.
Unique Features:
- Comprehensive international medical and evacuation coverage
- Options for expatriates and long-term travelers
- COVID-19 and pre-existing condition coverage
- Global network of healthcare providers
IMG is perfect for travelers seeking medical-focused insurance for extended stays abroad in 2025.
7. Seven Corners
Seven Corners offers travel insurance plans with a focus on flexibility and customization. It caters to both leisure and business travelers and is known for excellent medical coverage options.
Coverage and Plans:
Their flagship plan, “RoundTrip,” covers trip cancellation, medical emergencies, emergency evacuation, and baggage loss. They also provide specialized plans for students, expatriates, and missionaries.
Pricing and Flexibility:
Seven Corners offers competitive pricing with various deductible options and coverage limits. Their “Cancel for Any Reason” upgrade is a popular choice.
Customer Service and Claims:
They have 24/7 customer service and a reputation for fair and fast claims processing via their online portal.
Unique Features:
- Plans for a wide variety of travelers, including students and missionaries
- High medical coverage limits
- Flexible coverage upgrades available
- Strong emergency assistance services
Seven Corners is a versatile choice suitable for a broad range of travelers in 2025.
8. Generali Global Assistance
Generali Global Assistance, part of the Generali Group, provides a wide range of travel insurance products known for good coverage and reliable service worldwide.
Coverage and Plans:
Their plans cover trip cancellation, medical emergencies, baggage loss, and travel delays. The “Preferred” plan is popular for including rental car coverage and enhanced medical protection.
Pricing and Flexibility:
Generali offers various plans with flexible deductible options and pricing tailored to traveler profiles. Policies can be purchased for single trips or annually.
Customer Service and Claims:
Generali provides 24/7 customer support, multilingual agents, and a simple claims process online and via mobile app.
Unique Features:
- Rental car damage and theft protection
- Cancel for any reason options
- 24/7 worldwide emergency assistance
- COVID-19 coverage included
Generali is a reliable choice for travelers wanting balanced coverage with good customer service in 2025.
9. Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection is known for innovative travel insurance solutions with fast claims payouts and digital-first services.
Coverage and Plans:
Their flagship plans “ExactCare” and “ExactCare Lite” provide trip cancellation, interruption, medical coverage, and baggage protection. The company uses AI technology for rapid claim processing.
Pricing and Flexibility:
Pricing is competitive, and policies are easily customizable online. Berkshire Hathaway offers competitive premiums for the level of service and quick claim turnaround.
Customer Service and Claims:
The company excels in digital claims processing with fast payouts. Customer support is available 24/7, with a focus on tech-enabled convenience.
Unique Features:
- AI-powered claims processing with quick turnaround
- Transparent and straightforward policies
- Mobile-first policy management
- Strong coverage for trip cancellations and medical emergencies
Berkshire Hathaway Travel Protection is ideal for travelers valuing speed, technology, and efficiency in 2025.
10. RoamRight
RoamRight, a member of the Tokio Marine Group, offers travel insurance focused on high medical coverage and assistance services.
Coverage and Plans:
Their plans cover trip cancellation, emergency medical and dental care, evacuation, and baggage loss. RoamRight also provides “cancel for any reason” and adventure sports coverage.
Pricing and Flexibility:
RoamRight’s pricing is mid-range with options for both budget and premium plans. They offer flexible deductibles and coverage limits.
Customer Service and Claims:
RoamRight provides 24/7 customer support and a user-friendly claims process. Their emergency assistance services are highly rated.
Unique Features:
- High medical coverage limits
- Cancel for any reason upgrade available
- Coverage for hazardous activities
- Worldwide 24/7 assistance
RoamRight is an excellent option for travelers seeking strong medical protection with flexible add-ons in 2025.
Travel Insurance Tips: How to Choose a Travel Insurance Policy?
Choosing the best travel insurance policy can feel overwhelming, especially with so many options available. However, selecting the right plan is crucial to protect yourself from unforeseen events that could disrupt or ruin your trip. Here are some key factors to consider when choosing a travel insurance policy in 2025:
Coverage Needs
Start by identifying what kind of coverage you need. Common protections include trip cancellation and interruption, emergency medical and dental care, emergency evacuation, baggage loss or delay, and travel delays. If you plan to do adventure sports or activities like skiing or scuba diving, look for policies that cover hazardous activities. Some policies also offer “cancel for any reason” coverage, providing more flexibility if your plans change unexpectedly.
Destination and Duration
Where you’re traveling and for how long affects the policy cost and coverage. Some countries require specific medical coverage or have higher healthcare costs, so ensure your plan meets those requirements. For long trips, consider annual multi-trip insurance if you travel frequently.
Medical Coverage Limits
Medical emergencies can be costly abroad. Check the policy’s maximum coverage for medical expenses and emergency evacuation. A minimum of $100,000 in medical coverage is often recommended, but higher limits may be necessary for certain destinations or pre-existing health conditions.
Exclusions and Fine Print
Always read the policy’s terms and conditions carefully. Look for exclusions such as pre-existing medical conditions, pandemics, or specific activities not covered. Understanding these details helps avoid surprises during claims.
Claim Process and Customer Service
Research the insurer’s reputation for customer support and claim handling. Look for companies with 24/7 assistance, easy claims filing (online or via app), and positive customer reviews.
Price and Value
While cost is important, don’t choose a policy based on price alone. Balance affordability with comprehensive coverage to get the best value for your money.
By considering these factors, you can confidently select the best travel insurance policy to safeguard your trip and enjoy your travels worry-free.
What does travel insurance cover?
Travel insurance policies vary widely, but most include a set of core coverages designed to protect travelers from common risks. Understanding what travel insurance covers helps you choose the right policy based on your needs. Here are the main types of coverage typically included:
- Trip Cancellation and Interruption: This coverage reimburses you if your trip is canceled or cut short due to unforeseen events like illness, injury, death in the family, natural disasters, or other covered reasons. It can help recover non-refundable expenses such as flights, hotels, and tours.
- Emergency Medical Expenses: One of the most critical protections, this covers medical treatment if you get sick or injured while traveling. It often includes hospital stays, doctor visits, medications, and sometimes dental emergencies. Since healthcare costs abroad can be expensive, having this coverage is essential.
- Emergency Medical Evacuation: If you require urgent medical transport to the nearest suitable facility or back home due to serious illness or injury, emergency evacuation coverage pays for the costs of ambulance flights, medical escort, and other transportation expenses.
- Baggage Loss, Delay, and Theft: Travel insurance can reimburse you for lost, stolen, or damaged baggage and personal belongings. Many policies also provide compensation for essentials if your luggage is delayed for a certain number of hours.
- Travel Delay: If your trip is delayed due to weather, strikes, or mechanical issues, travel delay coverage reimburses expenses such as meals, accommodations, and transportation incurred during the delay.Accidental Death and Dismemberment: This coverage provides a lump sum benefit to you or your beneficiaries in the event of severe injury or death during your trip.
- Optional Add-ons: Many insurers offer optional coverages such as “Cancel for Any Reason” (allowing cancellation without a specific covered reason), rental car damage protection, coverage for adventure sports, and coverage for pre-existing medical conditions (usually with a waiver).
Knowing these typical coverages helps you compare policies and ensure you get the protection that fits your travel plans. If you want, I can help you write about what’s typically not covered by travel insurance as well. Would that be helpful?
Final Thoughts
Travel insurance is a vital part of planning any trip in 2025. It offers financial protection and peace of mind against unexpected events that could otherwise derail your travel plans or result in significant expenses. With so many options available, it’s important to carefully assess your travel needs, destination, and activities before choosing a policy.
The 10 travel insurance companies reviewed in this guide all offer strong benefits, but the best choice depends on your personal situation—whether you’re an adventure seeker, family traveler, or long-term expatriate. Remember to prioritize medical coverage limits, read policy exclusions, and understand claim processes to avoid surprises later.
Investing in good travel insurance lets you focus on what truly matters—enjoying your journey confidently and safely. Take the time to compare plans and pick a provider that fits your trip and budget. With the right coverage, you’ll be prepared for anything 2025’s adventures may bring.
