There is no one best fit for travel insurance for everyone and depends widely based on your personal health details and what your plans are for your trip/s. Coverage terms, pricing and ultimately customer experiences vary widely by company and every option specializes in different areas. So, we built guides for you in order to help you find the coverage you need that you can explore below.
Compare Travel Insurance Plans and Quotes
MoneyGeek can help you compare travel insurance plans and quotes side by side to find the right coverage for your budget. We analyzed 42 plans from 13 provide to find you the best travel insurance so you your travels are free from worry.
Start comparing travel insurance plans and quotes below.
Updated: April 2, 2026
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Compare Top Travel Insurance Options For Your Trip
Compare Travel Insurance Plans and Coverage
Travel insurance coverage is broken out into three tiers including basic, comprehensive and premium:
- Basic plans cover essential trip cancellation and medical expenses which are ideal healthy travelers on standard trips under $3,000. They are the cheapest travel insurance plans you can get due to their low coverage.
- Comprehensive plans offer the best coverage-to-cost ratio at 5% to 8% of your trip amount and most trips with costs between $3,000 and $10,000 should have this coverage level.
- Premium plans max out coverage limits but cost 60% to 100% more than comprehensive options. Consider premium if you're over 70, planning high-risk activities or taking expensive trips over $10,000.
Below we show our picks for each plan type to get you a baseline to start comparing travel insurance. We also provide guides on coverage terms and options available to help you understand the fine print and whether you need coverage so you can make the right decision for your situation.
Compare Travel Insurance Quotes
Prices vary by company even when coverage is nearly identical. The table shows what 42 plans cost for $2,500, $5,000 and $10,000 trips. Compare plans within the same tier (basic, comprehensive or premium) across companies to find the best value. A comprehensive plan from one company can cost 50% more than a similar plan from another, so checking multiple options saves you money.
AXA | Gold | $96 | $162 | $293 |
AXA | Silver | $78 | $134 | $245 |
AXA | Platinum | $156 | $267 | $478 |
Allianz Travel Insurance | Basic | $67 | $115 | $212 |
Allianz Travel Insurance | Premier | $145 | $248 | $445 |
Allianz Travel Insurance | Prime | $89 | $152 | $278 |
BHTP | ExactCare Value | $76 | $129 | $234 |
BHTP | ExactCare Extra | $98 | $167 | $301 |
BHTP | LuxuryCare | $178 | $304 | $546 |
Generali Global Assistance | Standard | $58 | $98 | $178 |
Generali Global Assistance | Preferred | $89 | $152 | $278 |
Generali Global Assistance | Premium | $134 | $229 | $412 |
IMG | Lite | $52 | $89 | $162 |
IMG | Choice | $89 | $152 | $278 |
IMG | SE | $123 | $210 | $378 |
IMG | LX | $167 | $285 | $512 |
Nationwide | Essential | $67 | $115 | $212 |
Nationwide | Prime | $134 | $229 | $412 |
Seven Corners | Basic | $45 | $76 | $139 |
Seven Corners | Choice | $89 | $152 | $278 |
Tin Leg | Basic | $38 | $65 | $118 |
Tin Leg | Economy | $52 | $89 | $162 |
Tin Leg | Standard | $67 | $115 | $212 |
Tin Leg | Silver | $89 | $152 | $278 |
Tin Leg | Gold | $134 | $229 | $412 |
Tin Leg | Platinum | $178 | $304 | $546 |
Tin Leg | Luxury | $223 | $380 | $683 |
Travel Guard | Essential | $67 | $115 | $212 |
Travel Guard | Preferred | $134 | $229 | $412 |
Travel Guard | Deluxe | $178 | $304 | $546 |
Travel Insured | Essential | $76 | $129 | $234 |
Travel Insured | Deluxe | $134 | $229 | $412 |
Travel Insured | Platinum | $189 | $322 | $578 |
Travelex | Essential | $67 | $115 | $212 |
Travelex | Advantage | $112 | $191 | $345 |
Travelex | Ultimate | $156 | $267 | $478 |
World Nomads | Standard | $98 | $167 | $301 |
World Nomads | Explorer | $145 | $248 | $445 |
World Nomads | Epic | $234 | $399 | $717 |
World Trips | Escape | $89 | $152 | $278 |
World Trips | Explore | $134 | $229 | $412 |
World Trips | Elevate | $178 | $304 | $546 |
Find out if providers shown above are the best option for you in our comprehensive reviews below.
Compare Travel Insurance Costs
Use the table below to estimate travel insurance costs for your trip amount, then compare across plan types to see where premium coverage fits your budget.
$2,500 | $89–156 | $158–247 | $298–445 | 3.6–17.8% |
$5,000 | $145–267 | $268–412 | $487–723 | 2.9–14.5% |
$10,000 | $267–489 | $498–756 | $834–1,245 | 2.7–12.5% |
$20,000 | $534–978 | $987–1,512 | $1,667–2,489 | 2.7–12.4% |
Compare Travel Insurance Cost by Age
Travel insurance costs stay relatively flat until age 50 . Seniors pay more for travel insurance due to increased medical risks, with the biggest increases after age 70.
AXA Gold | $268 | $564 | $1,187 | 2.1x | 4.4x |
Allianz Prime | $289 | $524 | $998 | 1.8x | 3.5x |
BHTP ExactCare | $245 | $467 | $876 | 1.9x | 3.6x |
Generali Premium | $298 | $678 | $1,456 | 2.3x | 4.9x |
Tin Leg Luxury | $312 | $589 | $1,123 | 1.9x | 3.6x |
World Nomads Explorer | $334 | $721 | $1,534 | 2.2x | 4.6x |
Compare Travel Insurance Cost by Destination
Your destination affects insurance cost, but less than age, trip cost or coverage terms. Certain regions have higher insurance costs due to higher medical costs, political instability or natural disaster risks.
Popular tourist destinations have standard pricing. This includes European countries, Thailand, Japan, Australia, New Zealand and Canada. Greece, Turkey and Mexico cost 8% to 15% more to insure. Greece's remote island locations increase evacuation expenses, while Turkey's proximity to political instability raises costs. India, Brazil and parts of Africa cost 15% to 25% more to insure. India's limited medical infrastructure means insurers often need to arrange medical evacuations to better-equipped facilities, driving up costs.
Thailand | $58 | $112 | $201 |
Italy | $58 | $112 | $201 |
Japan | $58 | $112 | $201 |
Spain | $58 | $112 | $201 |
UK | $58 | $112 | $201 |
Greece | $63 | $121 | $217 |
Turkey | $66 | $127 | $228 |
Mexico | $66 | $127 | $228 |
Morocco | $69 | $133 | $239 |
India | $73 | $140 | $252 |
Brazil | $73 | $140 | $252 |
*The quotes above are based on a traveler aged 20 to 50 with a trip cost of $2,500.
How to Compare Travel Insurance
Plans use different names for similar benefits, exclude different situations and price identical coverage differently based on your age, destination and trip details. Compare these four factors to find the right plan. See our ranking of the best travel insurance
and our guide to how travel insurance works and what it covers.
- 1Compare Trip Cancellation Coverage
Trip cancellation reimburses 100% of nonrefundable costs if you can't travel for covered reasons like illness, job loss or severe weather. Standard plans cover 10 to 15 specific reasons and require documentation. Cancel for any reason (CFAR) lets you cancel for any reason and get 50% to 90% back, but you must buy it within 10 to 21 days of your trip deposit and cancel at least 48 hours before departure.
Trip interruption pays for your unused trip days plus return costs if you come home early. You'll want this for trips over $5,000 or longer than two weeks. If you paid $3,000 for 10 days but came home after six days, you'd get roughly $1,200 back for the four unused days.
- 2Compare Medical and Evacuation Coverage
Emergency medical coverage ranges from $25,000 to $1 million. Get at least $100,000 for basic trips and $250,000 or more if you're planning adventure activities. Primary coverage pays first, before your health insurance kicks in. Secondary coverage only pays after your primary insurer, which means filing two claims and waiting longer for reimbursement.
Emergency evacuation transports you to proper medical facilities when local care isn't adequate. This matters most in remote areas or developing countries where a medical flight can cost $50,000 to $150,000. Look for at least $500,000 in evacuation coverage, with $1 million preferred for destinations with limited medical infrastructure.
- 3Compare Coverage for Your Trip Type
Travel insurance excludes pre-existing medical conditions unless you buy coverage within 10 to 21 days of your initial trip deposit and you're medically stable at purchase. Lookback periods vary from 60 to 180 days. Buy early if you have any health concerns.
Adventure sports like scuba diving and skiing often require additional premiums or upgraded plans. Check your policy documents to verify coverage before booking activities. Baggage coverage protects lost or stolen items with $500 to $4,000 limits and per-item caps, but you'll need receipts and police reports for theft claims. Skip extra baggage coverage if your trip costs under $5,000 and you're not traveling with expensive gear.
- 4Compare Quotes Across Companies
Travel insurance costs vary significantly by company for identical coverage. Get three to five quotes before buying. The biggest price factors are trip cost, your age, destination, number of travelers and coverage terms.
Age matters most for travelers over 65. A 75-year-old pays 3 to 5 times more than someone aged 20 to 50 for the same coverage. Trip cost affects pricing too, but insurance costs drop as a percentage when trip costs increase. You'll pay 12% to 18% for a $2,500 trip but only 8% to 12% for a $10,000 trip.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.