Alyssa Lane
When planning an international trip, it is important to consider purchasing travel insurance to safeguard yourself against unforeseen circumstances such as trip cancellations, interruptions, medical emergencies, and evacuations. While it may vary, travel insurance typically covers trip delays, missed connections, lost or delayed bags, medical emergencies, and medical evacuation and repatriation. It is crucial to carefully review the terms of different insurance policies to ensure they meet your specific needs. This includes understanding the coverage limits, exclusions, and the availability of 24/7 emergency assistance. Additionally, some companies offer add-on coverage for specific activities or situations, such as sports, adventure activities, or global term life insurance. When choosing an international travel insurance provider, it is recommended to consider their ratings, customer reviews, coverage limits, and the range of benefits offered.
| Characteristics | Values |
|---|---|
| Top International Travel Insurance Companies | Robust trip cancellation, trip interruption, and medical coverage |
| Key Factors | Coverage for trip cancellation, trip interruption, trip delays, missed connections, lost or delayed bags, medical emergencies, medical evacuation, and repatriation |
| Travelex | Highest Overall Rating, positive customer reviews, robust trip cancellation and medical coverage, cancel for any reason add-on, $1 million or more in evacuation coverage, up to $50,000 each in trip cancellation, interruption, and medical coverage |
| Ultimate Plan | Best and most comprehensive policy available from Travelex, great for families traveling abroad, covers one child 17 or younger per insured adult traveler, trip inconvenience coverage, up to $1 million in emergency medical evacuation and repatriation coverage, 100% of the insured trip cost for trip cancellation (maximum $50,000), 150% for trip interruption (maximum $75,000), Cancel for Any Reason upgrade available, recoup up to 75% of prepaid trip costs |
| Seven Corners | 24/7 emergency assistance, positive user reviews on Squaremouth and Trustpilot |
| William Russell Medical Insurance | Four plan tiers built around specific needs, excellent benefits including top-notch coverage for cancer care and extensive preventive care coverage, customizable rates based on chosen deductible and coverage area, full cover for inpatient, most tiers have no limit on outpatient treatment, all plan levels offer Medevac Basic with the option to include Medevac Plus coverage |
| GeoBlue Xplorer | Most comprehensive plan with unlimited medical benefits worldwide, up to 9 months of coverage in the USA each year for U.S. citizens abroad |
| International Medical Group (IMG) | Broadest range of products, long-term international medical plan, over 20 years of experience providing international medical insurance, travel insurance, and affordable coverage to clients in more than 170 countries, excellent preventative care coverage and pricing options |
| IMG Gold Level Plan | Best combination of coverage, benefits, and price, premiums available in USD, British Pounds, and Euros |
| SafeTrip Travel Protection | Three plan options, including International Travel Medical Plus, a combination protection plan with travel medical insurance and travel protection (including trip cancellation) |
| Allianz Travel Insurance | Ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler, affordable pricing compared to competitors, highly-rated mobile app |
| World Nomads Travel Insurance | Coverage for over 300 adventure activities and sports, three tiers: Standard, Explorer, and Epic, generous travel medical coverage starting at $125,000 with the cheapest plan, evacuation coverage maxing out at $700,000, plans available after departure (coverage begins after 72 days) |
| C&F's Travel Insured | Allows travelers to customize travel insurance to fit their specific needs, annual travel insurance plan with CFAR coverage for higher-risk portions of travel |
| Travel Insured International | 100% coverage for trip cancellation, up to 150% for trip interruption, reimbursement for up to 75% of non-refundable travel costs with select plans |
| Nationwide | 91% customer satisfaction, above average for the companies in the analysis |
| Medicare Supplement Insurance (Medigap) | May cover emergency care when traveling outside the U.S. |
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What You'll Learn
Top international travel insurance companies
When considering international travel insurance, it is important to review the level of coverage for trip cancellation, trip interruption, trip delays, missed connections, lost or delayed bags, medical emergencies, and medical evacuation and repatriation.
Travelex is considered the Best International Travel Insurance company, with high ratings and positive customer reviews. Travelex offers a range of plans, from medical-specific and flight-focused policies to budget-friendly and single-trip plans. The Ultimate plan is Travelex's most comprehensive policy, covering one child aged 17 or younger per insured adult traveller and providing trip inconvenience coverage.
Seven Corners is known for its excellent 24/7 emergency assistance and positive user reviews.
Allianz Travel Insurance offers highly customizable coverage for international trips, with single or multi-trip plans and add-ons such as rental car damage, cancel for any reason, and business travel coverage. Allianz also has a highly-rated mobile app, allowing easy access to policies and claims anywhere in the world.
IMG has an A- rating from A.M. Best and offers four plan levels with optional add-ons, including coverage for global term life insurance, terrorism, and sports. The IMG Gold level plan offers an excellent combination of coverage, benefits, and price, with premiums available in USD, British Pounds, and Euros.
William Russell medical insurance offers four plan tiers, each tailored to individual needs, with excellent benefits such as comprehensive coverage for cancer care and preventive care. Their rates can be customized according to the chosen deductible and coverage area, and they provide 24/7 customer service.
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Medical coverage and evacuation
When travelling abroad, it is important to consider investing in travel medical insurance to safeguard against unforeseen medical emergencies. This is because most domestic health insurance policies do not cover medical emergencies while travelling abroad.
International travel medical insurance provides coverage for emergency medical, dental and evacuation services. It is important to note that travel insurance does not always include health insurance, so it is crucial to carefully review the terms and conditions of your policy.
Some key factors to consider when choosing an international travel insurance policy include the level of coverage for trip cancellation, trip interruption, trip delays, missed connections, lost or delayed luggage, medical emergencies, medical evacuation, and repatriation. It is also worth considering a plan that allows you to add on “cancel for any reason" coverage for added flexibility.
- Travelex: Travelex offers a range of plans, including medical-specific policies, with up to $50,000 in trip cancellation, interruption, and medical coverage, and $1 million in evacuation coverage.
- Seven Corners: Seven Corners is known for its excellent 24/7 emergency assistance and has received positive reviews from customers.
- IMG: IMG offers a broad range of products, including trip cancellation and long-term international medical plans. They have an A- rating from A.M. Best and offer four plan levels with optional add-ons to choose from.
- William Russell: William Russell has been in the healthcare business for over 30 years and offers four plan tiers with excellent benefits, including top-notch coverage for cancer care and extensive preventive care. Their plans include Medevac Basic, with the option to add Medevac Plus coverage.
- Allianz Travel Insurance: Allianz offers highly customizable coverage for international trips, with affordable pricing compared to competitors. Their TravelSmart mobile app allows easy access to policies and claims filing from anywhere in the world.
- World Nomads Travel Insurance: World Nomads offers three tiers of coverage, including generous travel medical coverage starting at $125,000. Their evacuation coverage, however, maxes out at $700,000.
- Cruise Luxury: The Cruise Luxury policy provides $250,000 in medical expense coverage per person and superior evacuation benefits, including $1 million for medical evacuations and $25,000 for non-medical evacuations.
Remember to carefully review the terms and conditions of each policy to ensure that it meets your specific needs and provides adequate coverage for your destination and activities.
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Trip cancellation and interruption
Trip cancellation coverage typically reimburses you for the cost of your trip if you need to cancel before your departure. This coverage is essential, especially for international trips that often involve significant expenses. The best international travel insurance companies offer comprehensive trip cancellation coverage, with some even providing up to 100% reimbursement of the insured trip cost, with a maximum limit of $50,000. For example, Travelex, the top-rated company in this regard, offers robust trip cancellation coverage as part of its Essential, Advantage, and Ultimate single-trip plans.
On the other hand, trip interruption coverage comes into effect once your trip has commenced. It provides financial protection if you need to return early or interrupt your trip due to unexpected events. This coverage is particularly valuable if you encounter medical emergencies, travel delays, or other unforeseen circumstances during your trip. Reputable companies like Seven Corners offer excellent trip interruption coverage, ensuring that travellers can recoup a significant portion of their prepaid trip costs.
When selecting an international travel insurance plan, it is advisable to opt for a comprehensive plan that includes both trip cancellation and interruption coverage. This ensures that you are protected financially, regardless of whether you need to cancel your trip before departure or interrupt it while already on your journey. Additionally, look for companies that offer a ""cancel for any reason" add-on, providing you with greater flexibility and peace of mind.
Lastly, it is important to carefully review the terms and conditions of your chosen travel insurance plan. Understand the specific circumstances under which trip cancellation and interruption coverage will apply. Be aware of any exclusions or limitations, such as travel advisories or restrictions on certain regions, that may impact your coverage. By thoroughly understanding your policy, you can confidently embark on your international travels, knowing that you are protected against unforeseen events that may disrupt your trip.
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Customisable travel insurance
When it comes to international travel insurance, it's important to consider a range of factors to ensure you have the right coverage for your needs. Key factors to review include trip cancellation, trip interruption, trip delays, missed connections, lost or delayed bags, medical emergencies, and medical evacuation and repatriation.
One company that stands out for its customisable travel insurance options is Seven Corners. Seven Corners offers 24/7 emergency assistance and has received positive reviews on Squaremouth and Trustpilot. Their Trip Protection plans allow you to choose the medical coverage limit and deductible that best meet your requirements, ensuring you have the necessary level of coverage for your destination countries. Seven Corners also provides urgent medical travel assistance services through their in-house team, Seven Corners Assist.
Another company to consider for customisable travel insurance is William Russell. With over 30 years of experience, William Russell offers four plan tiers built around your specific needs. Their rates can be customised based on your chosen deductible and coverage area, and they provide full cover for inpatient treatment with most tiers offering unlimited outpatient treatment.
Faye is also worth considering for its whole-trip travel insurance, which includes instant claims processing, 24/7 travel care, and a user-friendly app for uploading claims and chatting with specialists.
Additionally, Travel Guard offers customisable travel insurance plans tailored to your needs based on your country of residence. Their comprehensive travel insurance plans provide superb coverage and service from start to finish, including coverage for trip cancellation, travel health insurance, medical expenses, evacuation, lost or delayed baggage, and more.
When choosing travel insurance, it's important to review the specific coverage details and select a plan that aligns with your individual needs and travel circumstances.
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Domestic health insurance
International travel insurance is intended for people making short visits to another country. It covers health, as well as offering protection against risks and expenses associated with travel, such as trip delays and cancellations, baggage loss, and medical emergencies. However, it is important to note that travel insurance only covers you outside your country of residence, and many domestic health insurance plans may not cover medical emergencies while travelling abroad.
International health insurance is a specialist product specifically designed and tailored to the needs of expats and individuals who work overseas. It provides comprehensive coverage, including inpatient hospitalisation, routine check-ups, daycare procedures, and pre-existing disease coverage, in addition to emergency care. It is important to note that international health insurance is generally sold annually and does not cover things like missing luggage or trip cancellation.
When considering international travel insurance policies, some key factors to review include how much coverage is available for trip cancellation, trip interruption, trip delays, missed connections, lost or delayed bags, medical emergencies, and medical evacuation and repatriation.
Some of the top international travel insurance companies include Travelex, which offers a range of plans, from medical-specific and flight-focused policies to budget-friendly and well-rounded single-trip plans. The Ultimate plan is Travelex's most comprehensive policy, covering one child aged 17 or younger per insured adult traveller. Seven Corners is another company known for its excellent customer service, offering 24/7 emergency assistance and receiving positive reviews.
For international health insurance, IMG offers the broadest range of products, from trip cancellation to their long-term international medical plan, and has provided international medical insurance to clients in more than 170 countries globally. William Russell is another company that has been in the healthcare business for over 30 years, offering four plan tiers built around specific needs, with excellent benefits and highly personalised 24/7 customer service.
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Frequently asked questions
International travel insurance covers medical emergencies, trip cancellations, trip delays, missed connections, lost or delayed bags, and medical evacuation and repatriation. It is important to note that travel insurance does not always include health insurance, so it is crucial to carefully read the terms and conditions.
Some of the best international travel insurance companies include Travelex, Allianz Travel Insurance, IMG, Seven Corners, William Russell, and World Nomads Travel Insurance. These companies offer a range of comprehensive coverage options, excellent customer service, and competitive pricing.
When choosing an international travel insurance plan, consider your specific needs and the level of coverage required. Evaluate factors such as the coverage limits, the range of benefits offered, the company's customer service reputation, and the geographical area of coverage. Additionally, consider any pre-existing medical conditions and the duration of your trip, ensuring that your policy can be extended if needed.
