Key Highlights
- Discover 2025’s best travel insurance plans tailored for diverse needs, including adventure sports, international travel, and business trips.
- Focus on essential benefits like medical coverage, trip cancellation, and protection for trip delays.
- Gain insights into top-notch customer service and reliable claims processes across leading providers.
- Learn about flexible coverage options, from annual multi-trip insurance to single-trip plans.
- Explore policies offering evacuation coverage and coverage for pre-existing medical conditions for peace of mind.
- Understand customizable coverage features like rental car insurance and cancel-anytime upgrades.
Introduction
Travel insurance is not just something nice to have. It is important if you want your trips to go well and not be caught off guard by problems. In 2025, picking the right travel insurance plan is a big deal because there can be many unexpected changes when you travel. Travel insurance can help with medical coverage, trip cancellation, or missed connections. These insurance coverage choices are made to keep your travel plans safe. When you have a good travel insurance plan, you get peace of mind. You know that if there is a medical issue or your trip gets canceled, you are covered. This gives you one less thing to worry about so you can enjoy your time away.
The Best Travel Insurance Plans for 2025 in the United States
Trying to choose from the many travel insurance plans out there can be hard. You may be traveling in your own country or to other countries, but having a plan that fits your needs is important. The year 2025 has options that give the best coverage and also special plans for people who love adventure, have pets, or travel a lot. When you look into the coverage options from each company, you can focus on what’s important to you. It may be medical emergencies, your trip getting changed, or just wanting a simple claims process. So, you can pick the travel insurance that works best for you.
1. Berkshire Hathaway Travel Protection: Leading Overall Coverage
Berkshire Hathaway Travel Protection stands out in the year 2025 because of the travel insurance policy choices it gives. You can choose a plan that fits you. The plans let you get things like trip cancellation coverage, and there is help if you run into delays, as well as a place to stay if something goes wrong. There is good customer service, too, so you can always talk to someone if you have a problem.
One big plus about Berkshire Hathaway is that it can pay people faster than other companies. Some plans can even give you money on the same day. Even the basic insurance policy comes with a lot to cover you. This includes covering your medical expenses and giving you protection when your cruise gets changed or your road trip does not go the way you planned.
Berkshire Hathaway is special because it can change to fit different ways people travel. There are plans just for adventure trips or for people who want luxury travel. This kind of flexibility and focus on all kinds of needs helps make Berkshire Hathaway a strong leader when it comes to good and trustworthy travel protection.
2. Allianz Global Assistance: Best for Emergency Medical Coverage
Allianz Global Assistance is known as a trusted name for great medical emergency coverage in 2025. They have over 25 years of know-how, and their travel insurance plans offer many coverage options. The plans work well for different travel needs. They are a smart choice if you want to focus on good medical care when you travel. If a sudden health problem or evacuation comes up, they have you covered.
Allianz travel insurance gives you a 24/7 assistance hotline that helps at any time. They also offer a Covered Reason feature, which means you can get money back if sickness or an accident interrupts your trip. If you want to spend less, you can choose the OneTrip Cancellation Plus plan. It gives protection for trip cancellation and trip interruptions and does not cost too much.
If you want more safety, you can buy cancel anytime upgrades with select premium plans. This shows Allianz really cares about giving you peace of mind. Top-quality service and strong medical benefits make Allianz travel insurance a leading choice for coverage options centered on healthcare, medical emergencies, and trip cancellation.
3. Travel Guard by AIG: Ideal for Pre-Existing Conditions
If you worry about pre-existing conditions, Travel Guard by AIG gives you more choices by offering an exclusion waiver on their Essential, Preferred, and Deluxe plans. If you buy a policy within 15 days of paying for your trip cost, you can get this important feature.
This insurance provider makes sure that the insurance coverage matches your needs. AIG offers extra options like the Pack N’ Go plan if you need to book a trip quickly, or yearly plans made with business travelers in mind. If you love adventure, AIG also gives you the right protection with special terms for outdoor fun or cruising trips.
AIG wants to give people both good value and clear details. They know how to build plans that work even if you have tough medical conditions or face random problems along the way. With trip protection through Travel Guard, you can feel safe and prepared for wild adventures or whatever life throws at you.
4. Travelex Insurance Services: Comprehensive Value Plans
Travelex Insurance Services keeps standing out in 2025 by offering a good mix of complete coverage and fair prices. Their comprehensive travel insurance plans are made for people who want some security while still keeping an eye on spending. You will find options that fit your needs, no matter if you want just the basics or a higher level of coverage.
The Essential plan, as an example, gives solid protection and lets you boost it up by adding things like cancel-for-any-reason or extra help for adventure sports. Customers say good things about how fast and smooth the company pays back on trip cost claims, and they like the customer-approved reviews. This service gets noticed for being reliable when you need help.
The top policies add even more, giving increased help with medical expenses, help getting to safety, or support with your things if problems come up. People know Travelex as a trusted and ready-to-help insurance provider, which helps make it one of the best picks for anyone who wants maximum protection. You can travel, knowing you have a strong policy watching out for your trip.
5. Seven Corners: Flexible Options for Frequent Travelers
Seven Corners gives you great flexibility if you are a frequent traveler and need policies that change with your needs in 2025. Their annual multi-trip insurance is a good way to get travel protection for all of your trips during the year. That makes it one of the best plans for people who travel a lot, especially in different seasons.
One thing that stands out is how far you can take the custom options. Upgrades let you add interruption-for-any-reason, so you can get back up to 75% of your nonrefundable costs if you need to. You can also get plans that cover sports gear or expensive purchases, which works out well if you go to events or do fun activities when you travel.
Seven Corners is known for providing many coverage options. They also get good customer reviews because of their fast claims process. By going with Seven Corners, you get a plan that helps control costs while giving you strong protection for your medical needs, any cancellations, and all-around travel protection.
6. IMG: Top Choice for Long-Term and Senior Travelers
If you are planning to go on a long trip, IMG is a good option. They have travel medical insurance made for people who need insurance coverage for a long time. You can pick from many of their plans. One popular choice is iTravelInsured Lite, which covers trips up to 180 days. This is great for travelers, students in a gap year, and people enjoying retirement while traveling far from home.
With years of experience, IMG helps people pick the right medical plan more easily. You can trust them to offer international travel medical insurance that often pays the bills straight to doctors and hospitals. This helps keep the money you spend up front low. Seniors will have better peace of mind because these plans are strong and keep them protected during trips between countries.
It may take some time to get claim approvals, but customer reviews say that IMG is able to give very good care and changes its plans to suit what people need. If you want to take a long, worry-free vacation, IMG is the ideal insurance provider for international travel and medical insurance coverage.
7. World Nomads: Best for Adventurous and Active Trips
For people who love adventure and excitement, World Nomads is the top pick. This travel insurance company is made for those who want to go on new journeys, even if they like to do extreme sports. The coverage options are strong and can help with things that traditional plans do not always cover. You get medical coverage that is important if you get hurt while hiking, scuba diving, or doing other thrilling activities. There is also trip cancellation, so you do not lose your money if your plans change. The company has a good name in the market. World Nomads gives you peace of mind while you travel, making sure you are protected from medical emergencies and trip delays. That way, you can just focus on what depends on you—having a good time and making the most of your travels.
8. Tin Leg: Great for Customizable Coverage
Tin Leg is known for its flexibility in travel insurance. You can adjust your plan to fit what you need. If you want coverage for medical needs, trip cancellation, or adventure sports, Tin Leg has options for you. You choose what to include. This helps you get the peace of mind you want. It is good for people who do things that can be risky. This way, your insurance matches your trip cost and your own needs.
9. Travel Insured International: Excellent for Family and Group Travel
Travel Insured International is a good choice for families and groups who want strong coverage. The company offers plans that fit different trips and activities. This means you can find the right coverage options for your needs. Their cancellation coverage is excellent, and they also cover adventurous activities. You and your group can have peace of mind, knowing your medical expenses and trip cancellations are taken care of. They are known for their reliable customer service, so you can trust them to help when needed. This makes them one of the best options for group travel and ensures all people in your group will be well protected.
10. HTH Travel Insurance: Superior International Health Coverage
HTH Travel Insurance is made for people who travel outside their home country. This travel insurance gives strong medical coverage for international trips. The insurance policy is good if you need medical care or help with a medical evacuation. It helps with medical expenses if you get sick or hurt when you are out of your country.
There are different coverage options. You can pick what works for you. These options are for medical expenses and care. If anything bad happens abroad, you have support. You can feel peace of mind because the insurance policy will look out for you when you need it most.
With medical evacuation and other medical care covered, you can go to new places and try new things without worry. This travel insurance helps keep you safe and well during your trip, whether it’s your first time away or you travel every year. So, with HTH Travel Insurance, you, your family, and your friends can see the world and know you have a good plan for your health.
11. Nationwide Insurance: Well-Rounded Protection for All Travelers
Comprehensive coverage is what you get with Nationwide Insurance, making the company a good pick for any traveler. They have policies with trip cancellation coverage, options for medical evacuation, and protection for trip delays. This helps give you peace of mind. Nationwide stands out as an insurance provider that lets you change your medical insurance plan the way you want, to fit your needs best. Many positive customer reviews talk about their good customer service, saying they are quick to help if there is a problem. If you want a travel insurance plan that covers a lot, you will find strong choices with Nationwide that work well for many travel needs.
12. TravelSafe: Optimal for Trips Booked with Points or Miles
TravelSafe is a great pick for travelers who like to use points or miles when they go on trips. The insurance policy is made for people like them. It is there to give you peace of mind with full trip protection. There are good coverage options. You get trip cancellation help and medical evacuation if you need it. If you worry about using reward points for travel, TravelSafe can help with these needs.
TravelSafe also does very well when it comes to customer service. They give solid help and support on your trip. If you have flight delays or run into medical expenses, you know someone is there for you. All the features in this plan are made for people who want to get the most out of their loyalty rewards. This is why TravelSafe stands out when it comes to insurance choices.
13. John Hancock Insurance Agency, Inc.: Standout Flight Insurance
Coverage for sudden flight cancellations or delays is very important if you want peace of mind while traveling. John Hancock Insurance Agency, Inc. gives strong travel protection. The company has flight insurance that helps with many things, such as trip interruptions or when you lose your bags. Their plans give you good cancellation coverage. You get your money back for non-refundable costs if your flight is canceled. This company has great customer service and quick help for claims. Because of this, they are a good choice when you want solid travel protection. With their help, you can go on your trips without worry. Their options are made to fit what you need.
14. WorldTrips: Strong Coverage for International Journeys
WorldTrips is great at offering travel protection that helps you when you go abroad. Their policies cover medical expenses and trip cancellation. They also have good options for help if you need to leave a place quickly. The people at WorldTrips know what travelers go through in other countries, so they give a level of coverage that gives peace of mind.
They offer strong customer service and will help you with claims, which is helpful for both business travelers and people going on holiday. With trip cancellation coverage and cancellation coverage, you get the support you need, so you can just enjoy your trip. You can feel good knowing that your travel needs are looked after.
15. AXA Assistance USA: Good for Cancellation Flexibility
Axa Assistance USA is known for giving people great cancellation flexibility. This makes it a strong choice for travelers who want peace of mind. Its travel insurance lets you change or cancel your plans without a lot of trouble. That means if something unexpected comes up, you can deal with trip delays or call off your trip without a big financial hit. Their coverage options and comprehensive travel insurance policies show they understand why people might need to change trips, like for medical emergencies or other reasons. People like the good customer service and trust the company, so Axa Assistance USA is a top pick for those who put cancellation coverage first.
16. Generali Global Assistance: Reliable Claims and Customer Service
Generali Global Assistance is known for its dependable claims process and great customer service. You can count on them to help if you have an emergency while you are traveling. This gives you peace of mind when you go on international trips. The company is focused on helping with medical expenses and trip cancellation, which makes their coverage options work well for many different needs. They deal with claims quickly, and their team is always there to answer your questions. With all of this, Generali is a good choice for people who want strong travel protection.
17. InsureMyTrip: Best Marketplace for Comparing Plans
InsureMyTrip is a top place to find travel insurance. The website helps you compare lots of different plans in one spot. You can look at important things like medical coverage, trip cancellation, and help with getting out of tough situations. There are many choices, so you can get a plan that works for your trip, even if you want to do adventure sports or travel around the world. InsureMyTrip also has customer reviews, so you can see what other people say about each insurance provider. This makes it easy to know who gives good service and what to expect from their plans.
18. AIG Travel: Enhanced Business and Work-Related Trip Insurance
Business travelers can face many problems when they travel. It can be hard to get good protection for these trips. AIG Travel gives insurance plans made just for people who travel for work. The plan comes with help for trip cancellation and covers you if there is a medical emergency. It also has a key feature: medical evacuation if you need to be moved from one place to another for care. This makes sure nothing unexpected stops your important plans. Good customer service and extra help give you peace of mind. You can focus on your job and not worry about what might go wrong. AIG is a good option for people who travel often for business.
19. MedJet: Top Medical Evacuation Plans
Medjet is known for its strong medical evacuation coverage. This makes it a good choice for people who care about health and safety when they travel. The insurance policy from Medjet gives peace of mind. If you need help, you can get fast transportation no matter where you are.
This travel insurance plan works well for trips outside your home country. It covers medical expenses and gives care during hard or emergency times. Medjet gets good ratings for its customer service, so you will get help when you need it.
If you want evacuation coverage in your travel protection, Medjet is one of the best choices. It gives reliable service, many coverage options, and makes sure you are safe while you are traveling.
20. RoamRight by Arch Insurance: Travel Tech and App Convenience
Seamlessly bringing together travel technology and insurance coverage, RoamRight by Arch Insurance stands out for people traveling today. It has a user-friendly mobile app. This lets you quickly get the information you need, like your policy details and how to send in a claim. You get peace of mind when you travel because you know everything is there for you.
The platform is built for tech-savvy people who want modern tools when they travel. You get strong features, such as real-time push alerts for emergencies. With this, you will also have instant access to medical care if you need it on your trip.
If you face any problems, the customer service team is there to help. This extra support makes it easy to get through any travel issues. With RoamRight, you can go on your trip knowing you have good insurance coverage and the help you need every step of the way.
What to Look for in a Top Travel Insurance Plan
When you pick a top travel insurance plan, there are some important things to keep in mind. The main areas to look at are medical expenses, trip cancellation, and delay protection. These be the core coverages that you should check carefully to see if they match what you need. Some people want more, so you can also look at add-ons for things like adventure sports or extra cancellation coverage. These give more choices if you like different things when you travel.
If you have a pre-existing condition, try to get a waiver to help you get peace of mind. Don’t forget to look at how good the insurance provider’s customer service is. What other people say matters. Look up customer reviews and check their customer service ratings. This way, you get the best value from your travel insurance and know you will be looked after if something goes wrong.
Understand Core Coverages: Medical, Trip Cancellation, and Delay
A good travel insurance policy should include some main coverages. These are things like medical coverage, trip cancellation, and delay benefits. Medical coverage takes care of unexpected medical expenses you might have during international travel. This gives you peace of mind if there is an emergency.
Trip cancellation coverage is also very important. It helps you get your money back for non-refundable costs if you cannot start your trip because of illness or another covered reason.
Trip delay benefits will help pay for your hotel and food if your trip is held up for a covered reason. This way, your money is safe even if plans change.
When you make sure your travel insurance has all these things, you are more likely to have a good travel experience, without worry.
Evaluate Optional Add-Ons: Adventure Sports, CFAR, Rental Car
Choosing extra coverage can make your travel insurance plan much better. Add-ons for adventure sports are important if you will take part in high-risk activities. They can help be sure you get care if there is a medical emergency during extreme sports. CFAR (Cancel for Any Reason) gives you more peace of mind and flexibility. You can get your money back for reasons that your usual travel insurance may not cover. This can be very good for people who want more travel protection.
If you add rental car insurance, you are covered if something goes wrong or the car is damaged while you drive in another country. This helps make your travel insurance stronger. Look at all your coverage options so you can get a plan that fits what you need. This way, it will give you and the people you travel with more peace of mind and good travel protection.
Check for Pre-Existing Condition Waivers
Pre-existing condition waivers are very important when you choose an insurance policy. Many plans have limits on covering medical conditions that you already had before your trip. That is why it is good to look for options with waivers. These waivers can give you peace of mind, knowing that medical expenses will not surprise you and get out of hand. Always look at the terms closely because every insurance provider will have different levels of coverage and rules for these waivers. When you focus on getting this feature, you lower the chance of problems with medical conditions. You also make sure you get travel protection and a strong safety net if things go wrong on your trip.
Review Provider Reputation and Customer Service Ratings
Knowing about the reputation of an insurance provider can help you get better protection. Customer service ratings are important. They show how well a company helps people with claims and problems, like medical emergencies or trip cancellations. The feedback from other travelers can help you see if an assistance company is good at answering questions and caring about people. By looking at customer reviews, you might find out if there are any problems, such as slow claims or issues with coverage options. So, it is a good idea to pick providers who are known for great customer service. This way, you will have peace of mind when you travel.
Types of Travel Insurance Plans Available in 2025
There are many travel insurance choices in 2025. If you have one trip planned, single-trip insurance is good for you. If you travel a lot, it can be better to get an annual multi-trip insurance policy. For protection in your own country, choose a domestic plan. If you are leaving your country, international travel medical insurance gives you more coverage.
There are also special plans, like those for cruises, adventure sports, or students. These plans help give the right type of coverage for different needs. If you know about the different types of insurance, you can pick a travel insurance plan that fits you best. This helps you get the right medical insurance and feel safe when you go on your next trip, whether it is for fun, study, or something else.
Single-Trip vs. Annual Multi-Trip Insurance
Choosing between single-trip and annual multi-trip insurance comes down to your travel habits and what you want. Single-trip insurance is good if you travel rarely. It covers one trip, including medical emergencies, trip cancellations, and unexpected delays. This option can save money for people who do not travel often.
Annual multi-trip insurance is better for those who travel a lot through the year. It gives you coverage for many trips in that time. This plan comes with benefits like medical evacuation and trip interruption. People who pick this type enjoy peace of mind. They get to explore new places without worry, knowing their trip insurance takes care of them.
Domestic vs. International Coverage
Understanding the difference between domestic and international coverage is very important for travelers. Domestic plans help with basic trip protection like cancellation coverage and paying for medical expenses if something happens in your home country. On the other hand, international travel insurance is made for trips outside your country. It often covers things like medical evacuation and full medical care that work with healthcare in other countries. Looking at the level of coverage for each plan helps people pick the right amount of travel insurance, whether you go somewhere at home or start an international travel adventure.
Specialty Plans: Cruise, Adventure, Student, and Group Travel
Specialty travel insurance plans are made for trips that are different from the usual. This type of travel insurance gives you coverage that fits what you want to do. Cruise insurance has trip cancellation help. It also gives you medical coverage while you’re on the cruise. If there is an emergency at sea, you will get evacuation coverage too. People who enjoy extreme sports can get medical insurance made just for them. If you get hurt doing these activities, there is coverage.
Student plans cost less but still have the trip protection you need. They also offer medical benefits, so you do not have to worry. Group travel insurance helps when there is more than one person traveling. Families and friends can all be covered, so everyone has peace of mind. Every plan is made for a different need. This way, you get coverage that will really help you if you need it.
Conclusion
Choosing the right travel insurance plan helps give you peace of mind while you are away from home. It is important to have coverage that will protect you if there is a medical emergency or if you have to cancel your trip. With medical evacuation and trip cancellation coverage, you can feel better knowing your money is protected. There are many travel insurance plans to pick from, so you need to look at each one closely. Check policy details, customer service reviews, and coverage limits to see which plan is right for you. The best travel insurance plan is the one that offers good protection and is also easy for you to use, giving you peace of mind for every trip.
Frequently Asked Questions
What is the average cost of travel insurance in the U.S. for 2025?
The average cost of travel insurance in the U.S. for 2025 is usually between $100 and $200 for one trip. The price depends on things like your age, how long the trip is, and where you go. If you compare different travel insurance plans, you can find the one that gives you good value and the right coverage for what you need.
Which travel insurance plan covers COVID-19 related incidents?
Many travel insurance options now come with COVID-19 coverage, but this can change depending on who you buy from. You should look for travel insurance plans that talk about the pandemic, cover medical expenses, and allow trip cancellation if you get COVID-19. Make sure to check all the terms and conditions before you buy your travel insurance.
Can I buy travel insurance after booking my trip?
Yes, you can buy travel insurance after you book your trip. But you should act fast because some parts of the plan, like trip cancellation, can have rules about when you can get them. Pick a plan that fits what you need for your trip before you leave.
How do I file a claim with my travel insurance provider?
To file a claim with your travel insurance provider, you need to get all the needed papers together. This may include receipts and any reports about what happened. You can contact your insurance provider through their website or by calling customer service. You should fill out all the needed forms and send in everything the company asks for. By doing this as they say, you will help speed up the process.
