The Best Travel Insurance Companies of 2024

The best travel insurance companies offer a wide variety of protection, from family-focused to plans dedicated to the more adventurous.
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What is travel insurance?

Travel insurance is a type of insurance coverage that provides financial protection against unexpected events or emergencies that may occur during your travels, such as trip cancellations, medical emergencies, lost baggage, or other unforeseen circumstances.

What are the main types of travel insurance?
  • The main categories of travel insurance are typically based on the type of coverage they provide. Here are the main categories of travel insurance:
  • Trip cancellation/interruption insurance: This  covers expenses incurred if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, death, natural disasters, or other unforeseen events. 
  • Medical insurance: This provides coverage for medical expenses incurred while traveling. It can include emergency medical treatment, hospital stays, doctor’s visits, medications, and medical evacuations.
  • Baggage and personal  belongings insurance: This type of travel insurance protects against loss, damage, or theft of your luggage, personal belongings, and valuables during your trip. 
  • Travel delay insurance: This covers additional expenses incurred due to unexpected delays, such as flight cancellations, missed connections, or severe weather conditions. 
  • Emergency evacuation insurance: This category assists with the cost of emergency evacuations, particularly in remote or medically inadequate areas. 
  • Accidental death and dismemberment insurance: This provides financial compensation in the event of accidental death, loss of limbs, or permanent disabilities resulting from accidents that occur during your trip.
How much does travel insurance cost?

The cost of travel insurance varies depending on several factors, including your destination, the length of your trip, your age, the coverage options you choose, and any pre-existing medical conditions. It is advisable to compare quotes from different insurance providers to find the best coverage at a competitive price.

Where can you buy travel insurance?

Travel insurance can be purchased from various sources, providing flexibility and options for travelers. Here are some common places where you can buy travel insurance:

  • Insurance companies: Many insurance companies offer travel insurance policies. You can directly contact insurance providers to inquire about their offerings, receive quotes, and purchase a policy. These companies may have online platforms or local offices where you can access their services.
  • Travel agencies: Travel agencies often offer travel insurance as part of their services. When booking your trip through a travel agency, they can provide you with options for travel insurance coverage and facilitate the purchase on your behalf.
  • Online travel booking platforms: Online travel booking platforms, such as Expedia, Travelocity, or Kayak, often provide the option to purchase travel insurance during the booking process. These platforms may partner with insurance providers to offer a range of policies that you can select from.
  • Credit card companies: Some credit card companies offer travel insurance as a benefit to their cardholders. If you have a credit card with travel-related perks, review the terms and benefits associated with your card to see if travel insurance coverage is included and how to access it.
  • Comparison websites: There are online comparison websites that allow you to compare different travel insurance policies from multiple providers. These platforms provide a convenient way to review coverage options, prices, and customer reviews, helping you make an informed decision.
  • Specialized travel insurance providers: There are companies that specialize in travel insurance, offering a wide range of policies tailored to different types of travelers and trips. These specialized providers may have additional coverage options or unique features that cater to specific needs, such as adventure travel or long-term travel.

Travel is amazing. But, as with our everyday lives, it doesn’t always go to plan. That’s where Squaremouth travel insurance comes in handy. 

It’s easy to feel confident, especially if you’ve never had anything go awry in your adventures, but even the most careful among us can’t control our surroundings. From value-sapping travel delays to full-blown natural disasters, your well-earned trip can go sideways quickly.

Being prepared with contingency plans, emergency cash, and consulate numbers goes a long way to ensure you have support in challenging situations, but it’s vital to ensure you’ve got a well-rounded travel insurance policy to help stop your finances from taking a hit, too.

The best travel insurance companies offer a wide variety of protection, from family-focused policies to plans dedicated to the more adventurous among us. Whatever you do, don’t leave without insurance. It’s not worth the risk. To help you sift through the options, we’ve found some of the best travel insurance companies for every kind of traveler—all available through Squaremouth travel insurance, where you can search, compare, and purchase travel insurance from every major provider. 

family in airport

1. Arch RoamRight

Who’s it best for? Families
Notable benefits: One child covered for every adult

After spending years operating as an underwriter for other insurance companies, Arch launched its own brand, RoamRight, to sell directly to consumers. Lauded for its excellent customer service, the company offers a wide array of travel insurance options for specific travelers.

Some notable perks include add-on coverage for pre-booked hazardous sports—perfect if you’re feeling like a bungee jump—and coverage for one child under 18 for every adult covered, making it an excellent option for families.

Company highlights
  • Free coverage for one child under 18 for every adult covered
  • Add-on coverage for hazardous activities like bungee jumping
  • Multi-trip/annual plans offered
  • Medical-only policies available
  • Emergency evacuation coverage

Navigator Tip

When choosing a Squaremouth travel insurance policy geared toward families, ensure that the policy explicitly covers all family members, including children and grandparents, if applicable. Verify whether the policy extends to dependent children under a certain age, as some policies may only cover minors up to a specific age. 

woman shaking hands with man outside home

2. World Nomads

Who’s it best for?: Longer-term travelers
Notable benefits: High coverage limits

One of the most popular digital nomads and backpackers insurance companies, World Nomads is known for its comprehensive coverage. The premium plan has your back on a massive range of over 200 listed activities, and it’s even possible to cover your electronics and other valuables too.

Its limits are high, which is something that’s important for those traveling to countries with a little less infrastructure or prone to political issues and natural disasters. Policyholders are covered up to $500,000 for emergency evacuation—a sizable sum. Prices will fluctuate depending on destination, length of trip, and other factors, but it’s one of the best for the seasoned traveler.

Company highlights
  • Pregnancy coverage for mothers and unborn babies
  • Insurance designed for adventurous activities
  • Specific insurance policies for tech and baggage—perfect for digital nomads, photographers, etc.
  • Emergency evacuation and medical coverage
  • Large range of specific situations covered like terrorism, political unrest, and assault
person bungee jumping

3. Battleface

Who’s it best for?: Adventurous and independent travelers 
Notable benefits: An excellent multi-trip plan

Battleface is a majorly forward-facing travel insurance company, no more evident than their “Space Travel Plan.” With two main plan offerings to satiate different travelers, you can expect reliable service, transparency in your plans, and accessibility across any of your devices.

The two main plans are geared towards individual trips of up to 90 days and full-year plans capable of covering multiple adventures. The latter is perfect if you’re prone to grabbing a last-minute flight and disappearing for the weekend.

Company highlights
  • Multi or single-trip policy options
  • Space coverage…seriously
  • Useful travel tool for checking border issues or health and visa requirements
  • Covers pre-existing conditions after 60 days of coverage
  • Worldwide assistance program

Navigator Tip

Since adventurous travelers often engage in activities that may be considered high-risk, such as extreme sports or adventurous excursions, it’s essential to ensure that your Squaremouth travel insurance policy covers these activities. Many standard travel insurance policies exclude coverage for hazardous activities. Look for a policy that explicitly lists the adventurous activities you plan to participate in and confirms coverage for them.

woman on a cruise

4. GoReady

Who’s it best for?: Cruise lovers and those with medical issues
Notable benefits: A cruise-centered plan

GoReady’s parent company AEGIS has been in business for three decades, so you know you’re in safe and experienced hands when dealing with your insurance. Boasting several hyper-specific plans to meet the demands of every traveler, enjoying your trip worry-free is easy.

The plans include a single-trip comprehensive plan, a cruise-centered option, trip-cancellation-only policies, and high-end coverage for those with fragile medical histories. There’s even a multi-trip option covering endless adventures with trip cancellation included—a rarity for more extended policies like this. If you’re still concerned about pandemic-related issues, there’s coverage for that, too.

Company highlights
  • Long history of providing insurance
  • Trip cancellation for multi-trip policies
  • Cruise specific policies 
  • Up to $1 million in emergency evacuation and medical coverage
  • Varied plans to suit different travelers and budgets
woman studying in london on grass

5. iTravelInsured

Who’s it best for?: Those traveling for volunteer work or study abroad
Notable benefits: A strong cancel for any reason policy

Offering another comprehensive set of plans, iTravelInsured is a Squaremouth travel insurance option that ticks all the boxes, ensuring you’ll be covered for any major cancellations or issue you’ll encounter on your travels. Its parent company operates with a massive variety of different plans, covering specific medical policies, volunteer trips, study abroad programs, and much more, so you can rest assured you’re getting the best policy for your situation.

An excellent add-on for the main travel policies is a “cancel for any reason” option, giving you the most flexibility with the least risk. You’re covered for trip cancellations for anything from unannounced strike action and sudden job relocation all the way to natural disasters and terrorist attacks.

Company highlights
  • Varied policy options ranging from study abroad and volunteer programs to traditional vacations
  • Group coverage options
  • Some policies include the freedom to choose the doctor of your choice
  • 65+ specific insurance policies
  • Multi-trip coverage
female traveler with suitcase

6. Nationwide Mutual Insurance Company

Who’s it best for?: The no-nonsense traveler looking for full coverage 
Notable benefits: High coverage limits

Nationwide Mutual is about as big as you get if you’re after a big name to settle the nerves. With years of experience at the top of the industry, its plans are comprehensive, and its representatives well-versed.

Offering single-trip, multi-trip, and cruise plans, travelers have every eventuality covered. Most come with the option to upgrade to a “prime” plan, including “cancel for any reason” and higher limits on individual aspects of the plan. 

Company highlights
  • Well-regarded and trusted big-name provider 
  • Cancel for any reason policy
  • Free travel assistance hotline
  • Annual plans starting as low as $59 a year
  • Up to $1 million in emergency evacuation costs
two people on a yacht

7. Tin Leg

Who’s it best for?: Luxury travelers 
Notable benefits: A wide variety of super-specific plans

Tin Leg has earned a ton of high praise from the likes of USA Today, which named it “Best Value Travel Insurance Provider” for 2023. Thanks to its reasonable premiums and high coverage figures, it’s becoming a phenomenal option for travelers.

The company offers a staggering nine separate policies, from its basic standard and economy policies covering the necessities to adventure and luxury policies geared towards more specific types of travelers. There’s even a USA-only policy for those not heading overseas.

Company highlights
  • 9 standard policies offering a wide range of coverage and rates
  • Broad cancel for any reason policies
  • Sports equipment coverage
  • $500,000 in primary medical coverage
  • Up to $1 million in emergency evacuation and medical

Navigator Tip

As a luxury traveler, you’ll likely have higher-value possessions and may be booking expensive accommodations and activities. Make sure the Squaremouth insurance policy you choose offers sufficient coverage limits for trip cancellation, trip interruption, baggage loss, and medical expenses. This will ensure you’re adequately protected in case of any unforeseen circumstances during your trip.

people talking in a hostel

8. WorldTrips

Who’s it best for?: The budget traveler
Notable benefits: Customizable plans

Built from the ground up with travelers in mind, the entire WorldTrips experience is designed to ensure you leave nothing to chance. Centering around budget-friendly and customizable plans, travelers can tweak their plans to match their preferred deductibles and coverages.

The website is excellent, offering several resources for trip planning, like VISA information, border processes, and travel requirements. The customer service team is multilingual, ensuring you’re never left out to dry in the far corners of the world.

Company highlights
  • Customizable plans to match individual situations
  • 10% discount on group travel policies
  • Annual plans for business travelers and multi-trip travelers
  • Broad coverage
  • Up to $2 million for maximum coverage 
  • Up to $1 million emergency evacuation
man golfing

9. TravelSafe

Who’s it best for?: Golfers
Notable benefits: Unique plans and 24/7 assistance

TravelSafe has been keeping travelers safe since 1971—an incredible feat by any company’s standard—and isn’t going anywhere anytime soon. The company offers plenty of protection, ensuring your arrangements, medical needs, and belongings are all covered.

As with many providers, 24/7 travel assistance is included to help travelers out of sticky situations with the best advice possible. There’s even a specialized plan for golfers, who have to travel with a lot more equipment than most of us, so if you enjoy a round, check them out.

Company highlights
  • Long-trusted history in the industry
  • Golf-specific plans available
  • Medical-only and trip coverage-only plans available
  • Up to $1 million emergency evacuation
  • Canadian citizen plans available
  • Flexibility with deductibles, maximums, and primary or excess coverage
people working on laptops

10. Safety Wing

Who’s it best for?: Digital nomads
Notable benefits: Subscription-based service and a premium healthcare product

One of the only insurance companies explicitly designed with digital nomads in mind and one of the only subscription-style plans out there, Safety Wing has been soaring in popularity recently. It costs just $45 a month for digital nomads (or average travelers) to insure themselves for most medical situations and other travel-related issues.

You’re covered for your medical bills on a long or full-time trip, even in your home country. Our writer, Steven, uses it to keep himself covered as he travels. A new, fully comprehensive option is available now for just over $120 a month, which offers complete medical coverage in any country. It’s not cheap, but you’ll rarely find better coverage as a nomad.

Company highlights
  • Geared toward digital nomads
  • Subscription-based service
  • All-encompassing health insurance for long-term travelers
  • Ability to start policy after the trip has begun
  • Covers trips home
  • Covid coverage still included

Frequently asked questions

To find the best travel insurance company for your needs, consider factors such as the type of trip, destination, duration, and specific activities you plan to engage in. Compare coverage options, policy limits, deductibles, and read reviews to make an informed decision that aligns with your travel requirements. Additionally, consult with travel experts or insurance professionals if you have any doubts or questions.

Our selection process involved extensive research, customer feedback analysis, and expert reviews. We evaluated each company based on factors such as coverage options, policy benefits, customer service, claim processing efficiency, and overall reputation in the travel insurance industry.

Yes, most travel insurance companies allow you to purchase a policy even after you’ve booked your trip. However, it is advisable to buy the insurance as soon as you make travel arrangements to ensure you have coverage for any potential issues that may arise before your departure.

Yes, many travel insurance companies offer a “free-look period” during which you can cancel the policy and get a full refund if you have not already started your trip or filed a claim. Beyond this period, cancellation policies may differ, so it’s essential to review the terms and conditions of your specific policy.

In the event of a covered loss or emergency, you should contact your insurance provider as soon as possible to initiate the claims process. Most insurers have a claims department that can guide you through the necessary steps and documentation required to file a claim.

Ask the Navigators: Do I need travel insurance?

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