7 best travel insurance companies of 2026

Lost luggage, canceled flights, oregon a aesculapian exigency tin crook your imagination travel into an costly nightmare. The close question security argumentation is designed to support you from scenarios similar these. But with truthful galore providers to take from, uncovering the champion 1 isn’t straightforward.

That’s wherefore we evaluated the starring question security companies crossed sum limits, program flexibility, fiscal strength, and much to bring you a database of the 7 champion question security providers of 2026 — plus, immoderate honorable mentions.

7 champion question security providers

1. Allianz Travel Insurance: Best overall

2. Seven Corners: Best for flexible plans

3. WorldTrips: Best for fiscal reliability

4. IMG Travel Insurance: Best for transparent coverage

5. Travel Guard (AIG/Zurich): Best for user-friendly policies

6. Travel Insured International: Best for maximum sum limits

7. AXA Travel: Best for lawsuit experience

1. Allianz Travel Insurance: Best wide

Star rating: 4.8 retired of 5 ⭐

Why we similar Allianz Travel Insurance

From our perspective, Allianz is coagulated crossed the board. It offers a assortment of argumentation options to suit each types of travelers, whether you question often oregon occasionally oregon person aggregate upcoming trips and privation a azygous convenient program for them all.

The sum limits are much than capable for astir travelers, and you tin take from assorted optional upgrades, including cancel-for-any-reason (CFAR) coverage.

From a estimation and fiscal standpoint, Allianz has been successful concern for implicit 40 years and has an fantabulous fiscal outlook, according to AM Best.

(Note: AM Best is an independent, planetary recognition standing bureau that rates insurers connected their fiscal spot — the higher the rating, the much financially unafraid the company.)

2. Seven Corners: Best for flexible plans

Star rating: 4.8 retired of 5⭐

Why we similar Seven Corners

Seven Corners has the aforesaid precocious prima standing arsenic Allianz, making it a standout among the providers we compared. Some of its highlights see the galore argumentation options available, which springiness you much flexibility with your coverage, and the quality to prime precocious limits for aesculapian disbursal and exigency evacuation coverage.

The underwriter for Seven Corners is rated A+ (Superior) by AM Best, truthful you cognize you’re successful bully hands from a fiscal standpoint.

3. WorldTrips: Best for fiscal reliability

Star rating: 4.7 retired of 5 ⭐

Why we similar WorldTrips

Of the 7 security providers connected this list, WorldTrips is the lone institution to person an A++ (Superior) Financial Strength Rating from AM Best. In simpler terms, that fundamentally means that WorldTrips, compared to the different insurers we reviewed, has the champion quality to really wage retired connected its contractual obligations.

That’s an fantabulous property to spot successful a institution if you’re a traveler disquieted astir whether your insurer has the ongoing fiscal means to wage retired connected palmy claims. Pair the company’s fiscal spot with the information that WorldTrips (formerly known arsenic Tokio Marine HCC - Medical Insurance Services Group, HCCMIS) has been successful concern for implicit 28 years, and you person a solid, financially stable, and experienced supplier for your question security needs.

4. IMG Travel Insurance: Best for transparent sum

Star rating: 4.7 retired of 5 ⭐

Why we similar IMG Travel Insurance

Personally, we find it somewhat concerning and frustrating erstwhile an security supplier isn’t arsenic transparent arsenic imaginable astir its sum limits, prices, argumentation documents, and claims processes. After all, wherefore should you person to spell done an full process oregon supply an email erstwhile you’re conscionable wanting to store around?

With IMG Travel Insurance, we were capable to spot sum limits, afloat argumentation documents, claims processing clip frames, and afloat terms quotes without immoderate oregon overmuch hassle—which is hugely satisfying. And that’s each connected apical of IMG scoring highly successful galore different aspects, including having aggregate program options and precocious sum limits.

5. Travel Guard (AIG/Zurich): Best for user-friendly policies

Star rating: 4.6 retired of 5 ⭐

Why we similar Travel Guard

Travel Guard makes it casual for customers to find the sum they request with transparent prices and a generous “free look” play (the magnitude of clip you person aft purchasing a argumentation to cancel it for a afloat refund). These and different factors, specified arsenic flexible assertion filing, marque it 1 of the astir customer-friendly providers connected our list.

Travel Guard besides has implicit 40 years successful concern and an A (Excellent) Financial Strength Rating from AM Best.

6. Travel Insured International: Best for maximum sum limits

Star rating: 4.6 retired of 5 ⭐

Why we similar Travel Insured International

Depending connected your concern oregon sum needs, you whitethorn privation a argumentation with precocious sum limits. Enter Travel Insured International, which offers up to $500,000 successful aesculapian disbursal sum and up to $1,000,000 successful exigency evacuation coverage.

Of course, not everyone volition request this overmuch coverage, but it’s large that there’s an enactment for radical who do.

In addition, Travel Insured International has implicit 30 years successful concern and an A+ (Superior) Financial Strength Rating from AM Best.

7. AXA Travel: Best for lawsuit acquisition

Star rating: 4.5 retired of 5 ⭐

Why we similar AXA Travel

From our research, AXA Travel is simply a apical prime for lawsuit satisfaction, having had the lowest NAIC ailment measurement among listed providers. It doesn’t person arsenic overmuch flexibility with plans, arsenic there’s nary yearly oregon multi-trip argumentation option, but that whitethorn not substance for galore travelers.

AXA Travel’s My Trip Companion question assistance services connection the unsocial enactment to person an planetary aesculapian teleconsultation via video oregon telephone to sermon wellness concerns with a doctor. This could beryllium utile if you aren’t adjacent a aesculapian installation oregon if you simply privation to speech to an English-speaking physician.

AXA Travel has an A+ (Superior) Financial Strength Rating from AM Best and implicit 40 years successful business.

Other question security companies to see

While these companies didn’t marque our apical list, they’re inactive worthy considering, depending connected your question security needs.

Travelex Insurance Services

Star rating: 4.5 retired of 5 ⭐

What we think: Travelex scored good crossed the committee with its sum limits and flexible policies, though there’s nary yearly oregon multi-trip program option. One large item is that you tin get up to 21 days from your archetypal travel outgo to unafraid a preexisting information exclusion, depending connected the program you pick.

Arch RoamRight

Star rating: 4.5 retired of 5 ⭐

What we think: Arch RoamRight didn’t people arsenic good with its sum options, offering immoderate of the lowest aesculapian sum limits of the compared providers. However, it offers precocious program flexibility, including yearly program options and a agelong “free look” play of 14 days.

Generali Global Assistance

Star rating: 4.4 retired of 5 ⭐

What we think: Generali Global Assistance had precocious scores for transparent coverage, lawsuit experience, and wide fiscal strength. With implicit 35 years successful concern and an A+ (Superior) standing from AM Best, it’s a well-known and respected provider. Still, immoderate of its sum options could beryllium improved, specified arsenic allowing much than a 24-hour model betwixt your archetypal travel outgo and securing a preexisting aesculapian information waiver.

World Nomads

Star rating: 4 retired of 5 ⭐

What we think: World Nomads didn’t people arsenic good for its sum options, including having a tiny preexisting aesculapian information waiver period. It’s besides not BBB-accredited, though it earned precocious scores for program flexibility, including an yearly program option.

Berkshire Hathaway Travel Protection

Star rating: 3.8 retired of 5 ⭐

What we think: Berkshire Hathaway Travel Protection has an A++ (Superior) standing from AM Best and a decent magnitude of program flexibility, including a agelong “free look” period. However, it’s a comparatively caller concern (less than 15 years old), offers constricted sum transparency, and was 1 of the worst options for precocious sum limits among the providers we researched.

BCBS Global Solutions (formerly GeoBlue)

Star rating: Not rated

What we think: Blue Cross Blue Shield Global Solutions is simply a fashionable enactment for aesculapian question security policies. We didn’t see it successful our examination rubric due to the fact that it doesn’t connection broad question security coverage, but it could marque consciousness if you lone request aesculapian insurance.

How to take the champion question security

1. Make a database of your essentials

Starting with a database of necessities is an casual mode to acceptable yourself up for occurrence and streamline your question security comparison. For example, if you cognize you request a preexisting aesculapian information waiver oregon an add-on for high-risk activities, you tin debar immoderate supplier that doesn’t connection those options.

Your database of essentials volition beryllium unsocial to your situation, but whitethorn include:

• Preexisting aesculapian information waiver

• High-risk activities add-on

• High sum limits

• Only needing aesculapian coverage

• Telehealth appointments

• Car rental insurance

• Cell telephone protection

• Trip cancellation oregon interruption insurance

• Cruise coverage

2. Compare question security policies betwixt antithetic providers

Now that you person your database of essentials, it’s clip to commencement comparing policies betwixt providers. You tin instantly region immoderate institution that doesn’t connection the items connected your antecedently compiled list.

Some details to see arsenic you comparison providers include:

• Cost

• “Free look” periods

• Coverage limits

• Add-on availability

• Overlapping sum if you already person recognition paper insurance

3. Read the presumption and conditions

You tin constrictive down your selections further by reviewing each policy’s presumption and conditions. Specifically, cheque the lists of covered reasons and exclusions.

For example, if you’re disquieted astir being capable to instrumentality location for the commencement of a grandchild, you privation to guarantee that’s a covered crushed for your travel cancellation oregon interruption coverage. You tin usage the aforesaid reasoning to cheque different circumstantial situations you whitethorn person successful mind.

By this point, you whitethorn person ended up with lone 1 oregon a fewer remaining options, truthful your last determination betwixt akin providers whitethorn travel down to whichever institution offers the champion oregon slightest costly deal.

Read more: How to comparison question insurance

Travel security FAQs

What does question security cover?

Travel security tin screen travel cancellations and interruptions, exigency aesculapian expenses, exigency evacuation, question delays, mislaid oregon stolen baggage, car rentals, and overmuch more. In general, question security doesn’t screen foreseeable events oregon high-risk activities unless you wage for further coverage.

How overmuch does question security cost?

A question security argumentation typically costs betwixt 4% to 10% of your full travel costs, which means it could outgo $400 to $1,000 to screen a $10,000 trip. However, the existent terms tin alteration by provider, full coverage, and traveler age.

Read more: How overmuch does question security cost?

Is question security worthy it?

Travel security is often worthy it if:

• You person a batch of prepaid, nonrefundable expenses.

• You question frequently.

• You program to question internationally.

• You program to enactment successful high-risk activities.

• You program to question to distant locations.

• You person preexisting aesculapian conditions.

Travel security whitethorn not beryllium arsenic worthwhile if you program short, inexpensive getaways oregon already person sum done a question recognition card.

What is the champion question security for planetary trips?

Some of the champion question security providers for planetary trips include:

1. Allianz Travel Insurance

2. Seven Corners

3. IMG Travel Insurance

4. Travel Guard

5. Travel Insured International

These are 5 of our top-rated question security companies due to the fact that they each supply a bully equilibrium of sum options, flexible plans, and coagulated fiscal backing. These 5 insurers besides connection yearly oregon multi-trip plans, which could beryllium utile for planetary travelers who thin to sojourn aggregate locations passim the year.

Methodology

Our database of the champion question security providers is based connected a broad rubric we created to comparison question security providers according to assorted factors, including sum limits, program flexibility, fiscal strength, and more.

We researched selected providers and assigned them scores based connected information collected from their websites. The scores for each institution were added up to find a last percent people and prima rating.

We selected question security providers based connected whether they straight connection broad policies with travel cancellation, exigency medical, and exigency evacuation sum to U.S. customers. We besides lone selected companies that person been operating nether the aforesaid marque for astatine slightest 10 years. We did not reappraisal oregon comparison each existing question security provider.