Compare Travel Insurance
Compare travel insurance plans side by side across trip cancellation, interruption, medical and evacuation benefits, delays, baggage, time-sensitive flexibility, trip-duration rules, availability and legal insurer structure.
Choose the travel insurance plans you want to compare
Search by plan or provider, or use a trip need below to narrow the list. Select two or three plans and compare the same verified contract fields side by side.
Allianz AllTrips Prime
Frequent travelers taking multiple trips of 45 days or less with modest prepaid costs and recurring medical, delay or rental-car exposure
Allianz OneTrip Premier
High-cost single trips where covered-reason cancellation and interruption protection matter more than having the market's highest medical limit
Arch RoamRight Multi-Trip Plan
Frequent travelers taking short, moderate-cost trips who value one annual policy and can work within shared annual benefit limits
AXA Explorer Elite
High-value or complex trips that benefit from strong evacuation, rescue, baggage and flexible-cancellation options in one comprehensive plan
Berkshire Hathaway Travel Protection ExactCare Extra
Frequent flyers who want comprehensive trip protection plus simple fixed payments for common flight disruptions
Faye Forward Travel Protection Plan
International travelers who want strong primary medical coverage, app-driven disruption support and flexible add-ons without automatically paying for Faye Flagship
Generali Premium
Expensive international trips needing high medical limits and time-sensitive pre-existing-condition coverage
GeoBlue Trekker Choice
Frequent international travelers with qualifying U.S. health insurance whose individual trips stay within 70 days
GeoBlue Voyager Choice
U.S. travelers with qualifying primary health insurance who want medical-first international coverage, including pre-existing conditions
Go Ready Choice
Travelers who want a customizable comprehensive single-trip plan with strong medical and disruption protection
IMG iTravelInsured Choice
Trips up to $10,000 per person where travelers want solid comprehensive coverage and only a few targeted upgrades
IMG iTravelInsured Travel LX
High-cost, medically exposed or remote trips that need both strong comprehensive protection and substantial evacuation capacity
Seven Corners Trip Protection Choice
Expensive international trips needing strong medical protection and flexible interruption options
Tin Leg Gold
International travelers prioritizing very high primary medical and evacuation limits over baggage and delay benefits
Travel Guard Deluxe Plan
High-value international trips needing large trip-cost limits and strong medical protection
Travel Insured International FlexiPAX
Travelers who want to customize medical, delay, baggage and flexible-cancellation protection around one comprehensive base plan
Travelex Ultimate
High-cost single trips needing strong medical protection and broad customization
Trawick International Pathway Premier
High-cost trips where strong primary medical coverage, high evacuation limits and optional cancellation flexibility matter
World Nomads Annual Plan
Frequent travelers taking multiple trips of 45 days or less who value repeated medical, baggage and disruption coverage more than high trip-cost protection
World Nomads Epic Plan
Adventure-heavy and remote trips where medical, evacuation and activity coverage matter more than insuring a very large prepaid trip cost
Compare your selected travel insurance plans
Focus on the rows that could change a real claim for your trip. Verified plan facts appear only when the current canonical record supports them.
Compare the exact plan, not the provider name
Travel insurance brands often sell several plans that look related but behave differently when a claim occurs. One provider can offer a basic comprehensive plan, a premium plan with much higher medical limits, a travel medical product and an annual policy under the same logo. Comparing the provider name alone hides the part of the decision that matters most: the contract attached to the exact plan.
Use this comparison page to keep that distinction visible. The plan name tells you which benefit schedule and eligibility rules you are looking at. The provider row tells you the consumer-facing company behind the product. The legal-insurer row can identify a different insurance company that actually underwrites the obligation. Those identities may overlap, but they should not be assumed to mean the same thing.
This matters most when two plans from the same provider appear side by side. A higher tier can have a much larger medical limit, a different trip-interruption percentage or a time-sensitive option that the lower tier does not offer. An annual policy from the same company can use per-trip duration rules and annual benefit caps that have little in common with the company's single-trip plan.
Start every comparison by reading the full plan names across the top. If the products solve different jobs, decide whether that is intentional. Comparing a medical-first annual plan with a comprehensive single-trip policy can be useful when you are choosing between two insurance strategies, but it is not an apples-to-apples contest over which provider is better.
Put the money you could lose next to the cancellation rows
Trip cancellation and interruption percentages are easy to compare because they look standardized. The harder question is whether the maximum amount and covered structure fit the money you actually have at risk. A plan that reimburses 100% of eligible cancellation losses can still be inadequate when its trip-cost ceiling is below the amount you have prepaid and cannot recover.
Before using the table, total the nonrefundable parts of the trip. Separate refundable hotels and flexible airfare from cruise fares, tours, villa rentals or other reservations whose cancellation penalties become steep. The purpose is not to insure every dollar you plan to spend. It is to identify the money that could disappear if a covered event forces you to cancel.
Trip interruption needs its own calculation. Some policies can reimburse more than 100% of insured trip cost because an interrupted trip can create new expenses in addition to the unused part of the original booking. A higher percentage can be valuable when getting home from a distant or complicated itinerary would be expensive. The percentage is not a bonus payment. It is additional capacity for eligible interruption losses.
Use the cancellation and interruption rows together. If the trip is expensive but almost entirely refundable until close to departure, a high cancellation limit may matter less than medical or delay protection. If the trip contains large nonrefundable deposits months in advance, cancellation can become the main reason to insure. The table becomes useful only after the numbers are connected to your own loss.
Read emergency medical coverage together with your existing health insurance
Emergency medical coverage is one of the most consequential rows for international travel, but a larger limit is not automatically a better fit. Start with the health coverage you already have. Ask whether your regular plan pays for emergency care outside the United States, whether foreign providers are treated as out of network, whether you must pay first and seek reimbursement later, and how much financial exposure remains after your existing insurance responds.
The comparison table can show the travel policy's verified medical limit and, when the contract states it, whether the benefit is primary, secondary or excess. That payment basis can change the administrative path of a claim. Primary coverage can allow eligible expenses to go directly to the travel insurer. Secondary coverage may coordinate after another applicable health plan. A secondary policy can still be strong, but it may require more documentation.
Do not assume a plan with a high medical limit provides ordinary ongoing health insurance. Travel policies are generally built around unexpected illness or injury during an eligible trip. Preventive care, planned treatment, routine management of a chronic condition and other nonemergency care can fall outside the purpose of the product.
Age and eligibility can alter the limit as well. Some travel medical plans reduce benefits for older travelers or require an eligible U.S. primary health plan. If the table shows a strong medical number, open the plan documents when age, Medicare status or a change in domestic health coverage could affect whether that number applies to you.
A large evacuation limit is useful only if you understand who controls the evacuation
Medical evacuation is one of the rows most likely to create false confidence. A plan can show hundreds of thousands of dollars, or even a seven-figure limit, without giving the traveler an unrestricted right to charter transportation home. The policy normally defines medical necessity, the destination of the evacuation and the role of the insurer or assistance team in authorizing and arranging it.
Compare the evacuation amount, then ask where the policy is allowed to take you. Many contracts focus on transportation to the nearest appropriate medical facility. That can be very different from returning to your home hospital in the United States. Repatriation or transportation after stabilization can have separate rules.
Destination should influence how much weight you give this row. A city trip near advanced hospitals creates a different problem from an expedition cruise, safari, remote trekking route or island stay where specialized care may be far away. A high limit can be much more valuable when distance and transportation logistics are difficult.
Also read the assistance row. Assistance services can help locate care, communicate with providers and coordinate medically necessary transportation. Those services are not the same thing as the insurance benefit that pays an eligible expense, but they can determine whether the benefit is practical to use. When evacuation is central to the trip, the plan with the clearest authorization and coordination process can be more useful than the plan with the largest number alone.
For delay benefits, the trigger can matter more than the maximum
Trip delay, baggage delay and missed connection look like simple dollar comparisons until the qualifying time period is added. A $2,000 trip-delay benefit that begins after a long delay may be less useful on your itinerary than a smaller benefit with a shorter trigger. The same is true of baggage delay and missed-connection protection.
Read the table as a sequence. First ask what event has to occur. Then ask how long the delay must last. Only after those conditions are satisfied should the maximum benefit influence the decision. A plan may also limit the causes that qualify, such as a common carrier delay, severe weather or another defined event. Missing a connection because the original itinerary was unreasonably tight can be treated differently from missing it after an eligible airline disruption.
Cruise travelers should pay particular attention to the missed-connection row. A ship generally does not wait for one late passenger, and catching the itinerary at another port can require new airfare, lodging and ground transportation. A higher connection limit can be genuinely useful when the next viable port is expensive to reach.
Baggage delay deserves similar trip-specific thinking. A delayed bag can be an inconvenience on a city vacation and a serious problem when the traveler boards a ship or leaves for a remote tour before the luggage catches up. Compare the trigger, limit and your ability to replace essentials at the destination rather than judging the row by dollars alone.
Pre-existing-condition and CFAR rows are really deadline rows
The comparison table can show whether a pre-existing-condition waiver or Cancel For Any Reason option is available, but those features are useful only when the purchase timing still works for your trip. Travel insurance is unusual because a benefit can become unavailable while departure is still months away.
For a pre-existing-condition waiver, look for the deadline tied to the first trip payment or another defined purchase event. Then check whether the policy requires the relevant trip cost to be insured and whether the traveler must be medically able to travel when coverage is purchased. The everyday idea that a condition is stable may not match the policy's look-back definition.
For CFAR, compare the reimbursement percentage with the purchase deadline and the cancellation cutoff. A 75% benefit can be more flexible than a 50% benefit, but only when the traveler bought it on time, insured the required trip cost and cancels before the policy's final cutoff. State availability can also change whether the option exists at all.
Do not confuse CFAR with ordinary trip cancellation. Standard cancellation can reimburse up to 100% of an eligible loss when a covered reason applies. CFAR usually reimburses less but allows cancellation for a reason outside the ordinary list. The right comparison is not simply which plan says CFAR. It is whether the timing and residual loss fit the uncertainty you are actually trying to insure.
Maximum trip duration can eliminate a plan before any benefit comparison matters
Trip-duration rules deserve an early check because they can make an otherwise excellent plan unusable. Single-trip policies can cap the maximum journey at a certain number of days. Annual policies often cover multiple trips during a 12-month period while limiting each individual trip to 30, 45, 70 days or another maximum.
This is especially important for retirees, students, long-stay visitors and travelers combining several countries into one journey. An annual plan marketed for frequent travel can work beautifully for ten short trips and fail for one four-month stay. The annual policy period does not override the per-trip cap.
Use the maximum-trip-duration row before comparing annual premiums or annual cancellation limits. If the longest planned trip does not fit, decide whether a separate single-trip policy can cover the outlier while the annual plan handles the rest of the year. A hybrid strategy can be cleaner than forcing every trip into one contract.
Long stays can also change the insurance category itself. Someone temporarily traveling abroad is using travel insurance for a defined journey. Someone relocating, working overseas for an extended period or living outside the United States most of the year may need international health insurance instead. A generous travel plan is not automatically a substitute for ongoing health coverage.
Availability and legal insurer rows explain why the same plan can change by state
Travel insurance is regulated at the state level, and one national-looking product can rely on different policy forms or legal insurers depending on where the traveler lives. The availability row should therefore be read as a current verified summary, not as a guarantee that every optional benefit or exact wording is identical in all jurisdictions.
The legal insurer row identifies the insurance company that underwrites the obligation when current evidence supports that relationship. That company can be different from the travel brand, administrator or assistance provider whose logo appears on the website. Some programs can use more than one legal insurer depending on plan or state.
This distinction becomes important when a feature is state-limited. CFAR, rental-car protection, certain waivers and other optional benefits can be unavailable in particular jurisdictions or issued under different forms. Enter your actual state of residence in the quote process and read the sample policy tied to that state when the feature matters to your decision.
The legal-insurer row can also help when you research financial strength or regulatory records, because those measures attach to the insurer rather than merely the marketing brand. Treat that context as one part of the decision. A financially strong insurer does not make a narrow policy broader, and a generous benefit still needs the correct state form and eligibility conditions to apply.
Before you choose, rebuild the trip that could go wrong
Before you choose, rebuild the trip that could go wrong. Start with the day you make the first nonrefundable payment. Note the amount at risk, the deadline for any pre-existing-condition waiver or CFAR option, and the date each later reservation becomes nonrefundable. Then move forward to departure and imagine the disruption you are most concerned about.
If the problem is medical, trace the path from the first hospital visit to a possible evacuation. Which insurer pays first? What limit applies at the traveler's age? Who has to approve transportation? If the problem is a flight delay before a cruise, trace the missed-connection trigger, the amount available to catch the ship and the expenses the policy can reimburse. If the problem is cancellation, calculate what the policy would actually pay after supplier refunds and the reimbursement percentage.
Finally, check the state form and the exact plan name one more time. A comparison is useful because it makes differences visible. It does not replace the policy issued for your residence, purchase date and selected options. Choose the plan whose rules still make sense after you turn the clean rows of the table back into the messy trip you are actually taking.