11 Best Travel Insurance Companies in 2025

Key Takeaways

  • We analyzed 100+ policies and found the best travel insurance plans are offered by: Tin Leg, Berkshire Hathaway, Travel Insured International, John Hancock, Seven Corners, & IMG.
  • The best travel insurance plans provide coverage against a wide-range of trip disruptions like trip cancellations, delays, medical emergencies, & baggage loss
  • Some travel insurance plans include benefits that appeal to specific groups, such as adventure travelers or travelers with pre-existing medical conditions
  • Comprehensive policies typically cost 4-10% of your total travel expenses, but you can purchase more affordable travel insurance by choosing a plan without cancellation coverage
  • Try our online travel insurance comparison tool to get top travel insurance quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369

Top 3 Best Travel Insurance Plans for 2025

Tin Leg
Gold

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Travel Insured International
FlexiPAX

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Berkshire Hathaway
ExactCare Value

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After evaluating all 20+ providers and 100+ plans available in the Squaremouth marketplace, Tin Leg Gold stands out as the top travel insurance plan in 2025. Below are our best trip insurance recommendations for various demographics, travel habits, and group types:

How We Chose the Best Travel Insurance Plans

Unlike other industry lists, our list is built around real customer purchase habits. These plans are among the top-selling senior policies on Squaremouth’s marketplace. Our team of editors reviewed each plan versus competing plans on our marketplace to assign an award based on policy highlights.

To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. We independently evaluated plans within the multiple categories and used the top plan from each category for our Best Travel Insurance Companies of 2025 award winners.

Best Overall Travel Insurance

Tin Leg

  • Best Plan: Gold

  • The top-selling travel insurance plan on Squaremouth, accounting for roughly 18% of all policy sales

  • Comes standard with $500,000 in Emergency Medical and Medical Evacuation coverage, which is among the highest offered by any comprehensive travel insurance plan

  • Includes 100% Trip Cancellation protection, which reimburses up to $30,000 in trip expenses per traveler in the event of a covered cancellation

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Tin Leg’s popular Gold policy is consistently among the best-selling travel insurance policies on Squaremouth, particularly among international travelers. It comes standard with $500,000 in Emergency Medical and Medical Evacuation coverage, which is more generous than most comprehensive plans. Gold also offers strong cancellation coverage, reimbursing travel expenses up to $30,000 per traveler in the event you can no longer travel as planned and are forced to cancel your trip.

Tin Leg Gold customers can also qualify for Cancel for Any Reason and Pre-Existing Condition coverage by purchasing the plan within its 14-day time-sensitive window.

Best Overall International Travel Insurance

Tin Leg

  • Best Plan: Gold

  • The most popular travel insurance plan among overseas travelers, accounting for more than 20% of international policy sales

  • Offers up to $500,000 in Emergency Medical coverage, which is ten times greater than our minimum coverage recommendation for trips abroad’

  • Provides coverage for 250+ unique sports and activities, making it a great option for travelers with high-risk or adventurous activities

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Tin Leg Gold is our pick for the best overseas travel insurance, in large part due to its strong medical coverage and superior customer service. The policy’s Emergency Medical and Medical Evacuation coverage far exceed our minimum coverage recommendation for trips overseas, ensuring that customers are protected from unexpected medical expenses while away from home. Tin Leg Gold also features fair protection for other disruptions, including delays, baggage loss, and missed connections.

Similar to other Tin Leg plans, Gold offers financial protection for a wide-range of adventure sports, covering more than 250+ unique activities like scuba diving and snowboarding.

View our rankings of the Best International Travel Insurance Companies.

Best Overall Domestic Travel Insurance

Berkshire Hathaway Travel Protection

  • Best Plan: ExactCare Value

  • The most popular plan among domestic travelers, protecting roughly 13% of all trips within the United States insured through Squaremouth

  • More affordable than most comprehensive plans with comparable coverage limits, at an average price of $113, less than half the cost of the average domestic travel insurance policy

  • One of the five providers that includes concierge service as part of coverage package, to assist you with booking dinner reservations, arranging golf tee times, and more

  • Provides up to $15,000 in Emergency Medical coverage and up to $150,000 in Medical Evacuation coverage, which can help supplement existing health insurance while traveling within the U.S.

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Berkshire Hathaway Travel Protection is one of the most recognized insurance brands in the United States. Their ExactCare Value policy is currently the most popular plan among domestic travelers, offering budget-friendly, no-frills coverage that’s well-suited for short-term domestic travel. Some key highlights include up to $150,000 in Medical Evacuation coverage, up to $750 in Baggage Loss reimbursement, and broad Trip Cancellation coverage that can provide reimbursement for trips cancelled due to significant delays, inclement weather, employment layoff, and more.

The ExactCare Value plan also offers up to $15,000 in Emergency Medical coverage, which can supplement any existing health insurance in the event you get sick or injured during your covered trip.

View our rankings of the Best Domestic Travel Insurance Companies.

Best Overall Cruise Insurance

Travel Insured International

  • Best Plan: FlexiPAX

  • Selected by over 31% of Squaremouth cruisers, making it the most popular option

  • Offers comprehensive medical coverage: This primary medical plan exceeds Squaremouth’s medical recommendation with $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage

  • Plans include flexible coverage options: Upgrades are available to cancel or interrupt your cruise for any reason

  • This is the top-selling plan for luxury cruises ($15,000 or more) due to its extensive and comprehensive benefit limits

  • Provides free coverage for up to 9 children with an adult, making it a great choice for family cruises

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We chose Travel Insured’s FlexiPAX as the provider best for cruises due to its comprehensive coverage and flexibility, making it the top choice for Squaremouth customers. The plan offers full Trip Cancellation protection, covering 100% of your trip costs, and includes delay benefits to cover expenses if your trip is interrupted. With options for Cancel For Any Reason and Interruption For Any Reason, FlexiPAX provides unmatched flexibility for cruisers.

While on your cruise, FlexiPAX also covers medical emergencies with $100,000 in Emergency Medical coverage—meeting Squaremouth’s recommended amount—and $500,000 in Medical Evacuation coverage, exceeding the recommended amount for additional peace of mind.

View our rankings of the Best Cruise Insurance Companies.

Best Overall Flight Insurance

John Hancock Insurance Agency, Inc.

  • Best Plan: Gold

  • Provides reimbursement for food and accommodations after a 3 hour delay, more favorable than the 6-12 hour delay minimum found in most plans

  • Covers 100% of your prepaid flight costs and other trip expenses, up to a maximum of $100,000

  • Will pay you $200 if you are forced to change the date of your flights for a covered reason

  • Provides up to $500 in reimbursement if your luggage is delayed by at least 12 hours en route to your destination, only six plans offer greater coverage

  • Includes up to $1,000 in Missed Connection coverage to help cover the cost to book new travel arrangements if you miss a connecting flight

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If you’re concerned about flight disruptions impacting your trip, we suggest John Hancock Insurance Agency, Inc.’s Gold plan to protect your upcoming journey. The comprehensive policy includes some of the most well-rounded protection for flight-specific disruptions like flight delays, baggage delays, and missed connections. The plan also features Trip Cancellation and Trip Interruption coverage, ensuring your airfare and other prepaid travel expenses are protected before and during your trip.

The plan’s medical coverage is also nothing to ignore, either, providing up to $250,000 in Primary Emergency Medical coverage and $1,000,000 in Medical Evacuation protection.

View our rankings of the Best Flight Insurance Companies.

Best Overall Travel Medical Insurance

Seven Corners

  • Best Plan: Trip Protection Choice

  • Accounts for roughly 20% of all travel medical policy sales, making it one of the most popular plans on Squaremouth for customers seeking medical coverage

  • Provides up to $500,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation protection, the strongest combination of medical coverage offered of any comprehensive policy on Squaremouth

  • Gives the option to protect your travel expenses through the policy’s Trip Cancellation coverage, a benefit not always offered by travel medical policies

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Seven Corners earns our pick for the best travel medical coverage with their immensely popular Travel Protection Choice plan. Whether you’re heading overseas or staying stateside, this policy offers some of the most generous Emergency Medical and Medical Evacuation coverage found on the Squaremouth platform, with $500,000 and $1,000,000 in coverage per benefit, respectively. Seven Corners rounds out this coverage by including strong reimbursement limits for other in-demand benefits like Travel Delay, Baggage Loss, and Missed Connection, plus the option to protect 100% of your trip costs.

Competitive protection coupled with the provider’s 30+ year track record of delivering peace of mind to the global travel community makes this plan a safe bet for any upcoming trip.

View our rankings of the Best Travel Medical Insurance Companies.

Best Overall Travel Insurance for Seniors

IMG

  • Best Plan: iTravelInsured Choice

  • With 30 years of experience providing reliable travel insurance at competitive prices ($400 per trip), IMG plans are popular among seniors with pre-existing medical conditions.

  • Offers $100,000 in Emergency Medical coverage, meeting our medical recommendation, with Primary coverage to ensure more efficient claims

  • Offers $500,000 in Medical Evacuation coverage, double our minimum recommendation for senior travelers

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IMG’s iTravelInsured Choice is the best travel insurance for seniors because of its extensive medical benefits, flexibility, and accessibility. At around $400 per trip, it provides competitive cruise insurance pricing and significant medical and cancellation flexibility.

ITravelInsured Choice comes standard with up to $100,000 in Emergency Medical coverage and up to $500,000 in Medical Evacuation coverage, which exceeds our minimum coverage recommendation for international trips. The plan also features a generous pre-existing condition eligibility window and no age restrictions, making it a great choice for senior travelers with existing health issues that may flare up during their trip.

View our rankings of the Best Travel Insurance Companies for Seniors

Best Overall Family Travel Insurance

Travel Insured International

  • Best Plan: FlexiPAX

  • Features the most generous ‘Free Coverage for Kids’ pricing, allowing up to 9 children to be covered at no additional cost for an insured adult

  • The top selling family plan, chosen by roughly 23% of families insuring trips through Squaremouth

  • The customization options, well-rounded coverage, and up to $500,000 in medical coverage also make FlexiPAX our pick for ‘Best International Travel Insurance For Families’

  • The only family plan on Squaremouth that offers the optional Cancel For Any Reason (CFAR) and Interruption for Any Reason (IFAR) upgrades, providing the most possible flexibility for families

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Travel Insured International’s FlexiPAX plan receives our pick for the best overall family travel insurance because it offers well-rounded protection and a pricing structure that offers the most potential savings for parents traveling with young children. FlexiPAX customers can insure up to nine children under the age of 18 per insured adult at no additional cost. It also provides families with the most opportunities for customization, offering popular add-ons like CFAR, IFAR, and Rental Car Damage Protection.

Even without any upgrades applied, FlexiPAX offers the highest amount of Emergency Medical coverage of any family plan listed on the Squaremouth platform, plus comprehensive cancellation coverage and coverage for delays and luggage.

View our rankings of the Best Family Travel Insurance Companies.

Best Overall Adventure Travel Insurance

Tin Leg

  • Best Plan: Adventure

  • Covers 400+ adventure sports and activities, more than than any other travel insurance policy listed on Squaremouth

  • The most popular adventure travel insurance plan, chosen by more than 15% of adventure travelers on Squaremouth

  • Provides up to $1,000,000 in coverage for medical evacuations, the highest reimbursement limit of any comprehensive plan on Squaremouth

  • Trip Cancellation coverage for trip costs up to $50,000, making it a great option for luxurious adventures

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Many travel insurance policies have strict restrictions and exclusions when it comes to adventure tourism. That’s why Tin Leg Adventure is our favorite policy when it comes to protecting trips that include sports and activities. Not only does it cover the widest range of adventure sports of any policy found on Squaremouth, providing protection for 400+ unique activities, but it also includes up to $1,000,000 in Medical Evacuation coverage, up to $100,000 in reimbursement for unexpected medical expenses, and well-rounded protection against other common travel disruptions.

More importantly, Tin Leg Adventure includes a suite of sports-related benefits that are not typically found in most plans. This includes coverage for Sports Equipment Loss, Sports Equipment Delay, and Sports Fee Loss.

View our rankings of the Best Adventure Travel Insurance Companies.

Best Overall Luxury Travel Insurance

Travel Insured International

  • Best Plan: FlexiPAX

  • Great for high-cost vacations, with Trip Cancellation covering trips up to $100,000 per insured traveler

  • Provides Identity Theft coverage to assist in recovering stolen identity, reporting fraud, and restoring credit

  • Includes concierge services at no additional cost, which can help make dinner reservations, purchase event tickets, and book golf tee times

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Higher cost vacations often require specialized protection. We chose Travel Insured International’s FlexiPAX plan as our recommendation for luxury travel because it’s able to insure up to $100,000 in prepaid travel expenses per traveler. The plan also features additional benefits like Identity Theft and Concierge Services to add an extra layer of support. The policy’s benefits and coverage limits seem to resonate with travelers with expensive trips, as FlexiPAX accounts for more than 35% of all luxury travel insurance sales.

The extensive amounts of customization options that FlexiPAX offers makes it easy for customers to invest further in their policy in exchange for greater protection.

View our rankings of the Best Overall Luxury Travel Insurance.

Best Value Travel Insurance with Comprehensive Coverage

Berkshire Hathaway Travel Protection

  • Best Plan: ExactCare Value

  • Covers 100% of prepaid, non-refundable trip costs for just an average premium of $154 per trip

  • Offers substantial medical protection without overspending, including $15,000 in Emergency Medical coverage and $100,000 in Medical Evacuation coverage at an affordable price

  • Ideal for travelers who value added flexibility, offering optional Cancel For Any Reason (CFAR) protection

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We chose Berkshire Hathaway’s ExactCare Value as the top travel insurance for value-conscious travelers seeking comprehensive coverage without overspending. With an average cost of just $154 per person, it’s one of the most affordable options on Squaremouth, and it has comprehensive coverage for the most common traveler concerns.

Despite its low price point, ExactCare Value provides comprehensive coverage that can protect you from a wide range of trip disruptions. Standout benefits include 100% Trip Cancellation coverage, 150% Trip Interruption coverage, and the option to add Cancel for Any Reason to your policy for added peace of mind. This affordable plan by Berkshire Hathaway also features up to $15,000 in Emergency Medical coverage and up to $100,000 in Medical Evacuation protection, which is handy if you’re traveling abroad to a country that does not accept U.S. health insurance.

View our rankings of the Best Value Travel Insurance Companies.

Best Overall Travel Insurance for Pre-Existing Conditions

Travel Insured International

  • Best Plan: FlexiPAX

  • Has among the longest Time Sensitive Periods, allowing customers to qualify for coverage up to 21 days after their initial trip deposit
  • Comes standard with $100,000 in Primary Emergency Medical coverage, with the option to increase coverage limits to $500,000 through unique Medical Upgrade Bundles

  • Offers numerous ways to enhance trip protection, including optional benefits like Cancel For Any Reason, Interruption For Any Reason, and Rental Car Damage protection
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Travel Insured International’s FlexiPAX plan receives our pick for the best travel insurance plan for pre-existing conditions. It offers a generous 21-day Time Sensitive Period, making it easier for travelers to qualify for coverage for an existing health issue. If a flare-up or medical emergency occurs, the plan will reimburse up to $100,000. Customers who want additional travel protection can choose from a wide range of add-ons and policy upgrades during the checkout process.

As well as being our pick for pre-existing condition coverage, FlexiPAX is also our favorite travel insurance plan for CFAR coverage and families.

View our rankings of the Best Travel Insurance for Pre-Existing Conditions.

Best Overall Cancel for Any Reason (CFAR) Travel Insurance

Travel Insured International

  • Best Plan: FlexiPAX

  • The most popular travel insurance plan with CFAR coverage, accounting for roughly 45% of all CFAR sales

  • Provides the longest Time-Sensitive Window of any CFAR plan, allowing travelers to qualify for the benefit up to 21 days after their initial trip deposit’

  • Covers up to $100,000 in travel expenses per person, making it one of the best trip cancellation insurance policies available on Squaremouth

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Travel Insured International gets our pick for the best CFAR travel insurance policy with their FlexiPAX plan due to its generous eligibility requirements, high reimbursement percentage, and overall popularity among travelers. It features an industry-leading 21-day Time-Sensitive Window, making it easier for CFAR shoppers to qualify for coverage. It also reimburses up to 75% of prepaid travel expenses in the event of an uncovered cancellation, which is the highest offered by any policy on Squaremouth.

In addition to CFAR, FlexiPAX offers a multitude of different ways for customers to enhance their coverage. This includes other add-ons, like Interruption for Any Reason and Rental Car Damage Protection, to unique policy upgrade bundles that can increase coverage limits for select benefits.

View our rankings of the Best Cancel for Any Reason (CFAR) Travel Insurance

The Best Travel Insurance Benefits You Should Consider

A travel insurance policy consists of a collection of benefits that outline what expenses and scenarios will be covered. Most travel insurance plans are comprehensive, meaning they provide extensive coverage for wide-ranges of travel disruptions.

To help you know what to look for, consider the following benefits when comparing policies:

Emergency Medical Coverage

Experiencing a medical emergency while traveling is the primary concern for most customers, especially Americans taking an international trip. This is mainly because most U.S. healthcare policies, such as Medicare and employer-sponsored plans, don’t offer coverage overseas.

The Emergency Medical benefit acts as health insurance while you travel, covering hospital stays, doctor visits, and any other unexpected medical expenses you may face while you’re away. As a baseline, you should consider plans that offer at least $50,000 in Emergency Medical coverage. Exclusions, deductibles, and coverage limits will vary by policy.

Medical Evacuation & Repatriation

Another popular travel medical benefit is Medical Evacuation, which provides coverage in the event you need to be emergency transported to the nearest adequate medical facility. This coverage is especially important if you’re taking a cruise, participating in adventurous activities, or visiting a remote destination.

Emergency evacuations, such as being airlifted, are expensive, so we recommend policies that include coverage limits of at least $100,000 in Medical Evacuation coverage.

Trip Cancellation Insurance

Trip Cancellation coverage is designed to protect your prepaid, non-refundable trip costs if you must cancel your travel plans for a covered reason. This benefit essentially reimburses you for expenses you’d otherwise lose if you are forced to cancel your trip.

Most Trip Cancellation plans will reimburse travelers who are forced to cancel due to an unforeseen injury or illness, the death of a family member, and natural disasters at your destination, among other reasons.

Most plans that include this coverage are considered comprehensive and generally cost between 4-10% of your prepaid, non-refundable trip costs.

Cancel For Any Reason (CFAR) Coverage

You may consider adding Cancel for Any Reason to your travel protection for additional trip cancellation coverage. CFAR coverage is an optional add-on that can partially reimburse your prepaid, non-refundable trip costs if you cancel for a reason not covered by your policy.

CFAR is a time-sensitive benefit that must be purchased 10-14 days after your initial trip deposit. Adding this benefit will increase your policy’s premium by 40-50%.

Trip Delay Insurance

Roughly a quarter of all flights are delayed. Luckily, most travel insurance policies include Travel Delay coverage that provides reimbursement for food and accommodations if your travel schedule is significantly pushed back.

Many policies also include Missed Connection coverage that can reimburse you if a delay forces you to miss a connecting flight and make new travel arrangements.

Baggage Loss & Delay Coverage

Airlines mishandle millions of bags each year. Travel insurance policies often cover lost luggage, as well as personal items that are damaged or stolen. However, coverage is usually limited, so we recommend insuring expensive items in other ways.

Baggage Delay coverage is another popular benefit that offers protection for personal belongings. If your luggage is delayed en route to your destination, this benefit can reimburse you for clothes, toiletries, and other necessities.

Pre-Existing Medical Condition Coverage

Pre-existing medical conditions are commonly excluded from travel insurance coverage. However, some travel medical plans will include a Pre-Existing Condition waiver, ultimately removing this exclusion, meaning you’ll be eligible for coverage.

With Pre-Existing Condition coverage, you can be reimbursed for medical care relating to a prevalent medical issue when you purchased your policy. It’s important to note that this is also a time-sensitive benefit and pre-existing medical conditions may be subject to a lookback period.

Other Travel Insurance Benefits

Depending on your travel plans, you may want to consider additional, less common travel insurance benefits:

  • Adventure Sports Coverage: Provides medical coverage if you get injured while participating in an activity typically excluded from basic plans, such as skiing, scuba diving, hiking, and skydiving.
  • Sports Equipment: Provides reimbursement if your personal sports equipment is lost, stolen, damaged, or delayed during a covered trip.
  • Rental Car Damage: Often available as an add-on, this benefit will cover damage, vandalism, and theft of a rental car up to a specified amount.
  • 24 Hour Emergency Assistance: All travel insurance providers on Squaremouth offer travel assistance to support you for the duration of your trip.

Tips on Finding the Best Travel Insurance Policy For Your Trip

There are more ways to protect your trip than ever. Knowing what to focus on can save you time and money when looking for a policy. Here are a few essential tips to consider when you begin your search:

Review Your Itinerary

Your travel plans play a significant role in determining which policy is right for your next trip. Reviewing your itinerary will help you identify parts of your trip that pose additional risk or require a specific type of coverage.

For example, if you’re planning a ski trip with friends, it’s important to find a policy that will cover accidents that occur on the slopes. However, if you plan on relaxing at an all-inclusive resort by the beach, a basic plan will likely provide adequate protection.

Determine What Coverage You Already Have

You may already have some form of travel protection without knowing it. Some credit cards now include travel benefits, such as trip protection, to attract new customers and provide existing cardholders with financial security while they’re away from home.

It’s important to note that credit cards rarely offer medical coverage, so they are not seen as a substitute for standard travel insurance. If you have existing coverage, you can purchase a travel insurance policy to fill any coverage gaps or have more peace of mind when you travel.

Compare Policies From Multiple Travel Insurance Companies

The only way to know if you’re getting the best trip insurance is to compare plans and coverage amounts from multiple providers. Things like premium, upgrades, and the level of coverage a policy provides can vary from one plan to the next.

As a rule of thumb, we recommend comparing plans from at least 3-4 different travel insurance companies before you make a purchase. Using a travel insurance comparison tool like Squaremouth allows you to easily see how plans compete side-by-side.

Consider Provider Reviews & Ratings

Most travel insurance companies are not necessarily household names. Unless you purchase travel insurance frequently, you’ll likely have questions about the reliability and trustworthiness of the brands you encounter.

We suggest taking time to read reviews from past travelers. This can provide valuable insight into a provider’s ability to provide customer support before a trip while traveling and throughout the claims process. A provider’s AM Best Rating can also highlight their ability to pay their claims.

What Type of Travel Insurance Is Right For You?

Trip protection can come in multiple forms. However, from a bird’s eye view, there are two main types of coverage options you should know about when you buy travel insurance.

Single-Trip Insurance Coverage

Single-trip plans are by far the most popular among travelers and will be the type of policy you encounter most often. Single-trip plans, as the name suggests, are designed to cover you for the entirety of one trip, from the moment you leave home to the moment you return regardless of how many destinations you visit along the way.

Single-trip plans provide a simple solution to travelers who want financial protection and peace of mind heading into a trip. If you want to protect your trip costs, single-trip plans are the only type of travel insurance that will include Trip Cancellation and Trip Interruption coverage.

Annual Travel Insurance

Annual plans, also known as multi-trip travel insurance, provide year-round coverage regardless of how many trips you take. Like single-trip plans, they’re designed to provide financial protection while you’re away from home.

This type of coverage can be cost-effective if you travel at least three times per year, and it offers the convenience of not having to purchase a separate policy each time you take a trip. Annual plans often include strong medical coverage, but rarely offer cancellation benefits.

The Bottom Line: Finding the Best Travel Insurance

Finding the best travel insurance policy for your trip doesn’t have to be difficult. Begin by reviewing your itinerary and determining how much coverage you’ll need while you’re away from home. From there, you can start comparing options from top providers.

Keep in mind that the best travel insurance policy will be one that meets your or your group’s coverage needs, fits your budget, and provides peace of mind. These factors can vary dramatically from one traveler to the next.

A comparison site, like Squaremouth, is the best place to buy travel insurance as it allows you to easily view quotes from multiple companies.

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