Best Travel Insurance Companies and Plans

World Nomads combines low costs (98 affordability score) with solid coverage across three plans. The company specializes in adventure sports and flexible policies that let you extend trips or change destinations without penalties.

Epic (94 score) delivers maximum protection:

• 75% CFAR up to $11,250 (7-day purchase window)
• $250,000 emergency medical, $1 million evacuation
• $3,000 baggage ($500 per item)
• 200+ adventure activities covered (skiing, scuba, rock climbing)

Standard (92 score) offers the best value with a perfect 100 cost score, $100,000 medical coverage and identical adventure sports protection.

World Nomads trails in claims processing (89 vs. Allianz's 100) and has shorter CFAR windows than competitors.

Allianz Premier maxes out coverage limits while delivering the company's perfect claims and service rating (100). It's built for expensive trips where you need comprehensive protection and fast support.

Premier provides:

• $200,000 trip cancellation (highest limit)
• 80% "Cancel Anytime" coverage up to $16,000
• $75,000 emergency medical, $1 million evacuation
• $2,000 baggage ($750 per item)
• 24/7 customer support with global network access

Premier costs more than budget options (77 cost score), making it worth the premium only for high-value trips or travelers who prioritize top-tier service.

Generali delivers strong coverage at low prices with a 94 affordability score and perfect stability rating (100). All three plans feature 100% trip cost coverage with no dollar caps, unlike competitors who cap cancellation at $100,000 to $200,000.

Preferred (93 score) offers the best balance:

• 100% trip cost coverage (cancellation and interruption)
• $150,000 emergency medical, $500,000 evacuation
• $1,500 baggage ($500 per item)
• Pre-existing condition waiver with no purchase restrictions

Premium (90 score) adds 75% CFAR with no dollar cap and extends the purchase window to 24 hours after final payment, giving you more flexibility than most competitors.

Generali's claims and service score (89) trails Allianz (100) and Travel Guard (98). The Standard plan doesn't include pre-existing condition coverage.

IMG offers the most generous CFAR terms in the industry with 75% reimbursement, no dollar caps and up to 21 days to purchase after booking. Most competitors limit you to 7 to 14 days and cap CFAR at $10,000 to $16,000.

Choice (94 score) provides maximum flexibility:

• 75% CFAR with no dollar cap (21-day window, 48-hour notice)
• $100,000 emergency medical, $500,000 evacuation
• $1,000 baggage ($250 per item)
• Comprehensive pre-existing condition waiver (21-day window)

LX upgrades to $150,000 trip cancellation limits and $500,000 medical coverage while keeping the same flexible CFAR terms.

CFAR isn't available in New York, and IMG's claims score (95) trails Allianz's perfect rating.

Tin Leg offers the highest emergency medical limits with plans up to $500,000, double what most comprehensive plans provide. The company's seven plans give you extensive options to match medical coverage needs to your budget.

Gold (91 score) maxes out medical protection:

• $500,000 emergency medical and evacuation
• 75% CFAR with no dollar cap (14-day window, 48-hour notice)
• 100% trip cost coverage
• 14-day pre-existing condition waiver

Silver (93 score) provides $250,000 medical coverage at a lower price point while maintaining strong coverage across all categories.

Tin Leg's claims and service score (89) lags behind top providers, with fewer customer service hours and support options.

World Nomads includes adventure sports coverage as a standard benefit rather than an expensive add-on, covering over 200 activities like skiing, scuba diving, rock climbing and mountaineering. The company specializes in backpackers, digital nomads and extended trips with spontaneous itinerary changes.

Epic (94 score) covers the most activities:

• 200+ adventure activities with no location restrictions
• 75% CFAR up to $11,250
• $250,000 emergency medical, $1 million evacuation

Explorer (93 score) includes the same adventure coverage with 50% CFAR and $150,000 medical at a lower price.

World Nomads' CFAR percentages (50% to 75%) fall below industry leaders like Allianz (80%), and its claims score (89) trails top providers.

Travel Guard combines responsive customer service (98 score) with family-friendly benefits like strong missed connection coverage and a straightforward claims process. The company's support matters most when traveling with children and dealing with unexpected situations.

Preferred (93 score) balances coverage and cost:

• $1,000 missed connection coverage
• $50,000 emergency medical, $1 million evacuation
• 50% CFAR with no dollar cap (15-day window, 48-hour notice)
• $1,000 baggage ($500 per item)
• Pre-existing condition waiver (15-day window)

Deluxe upgrades to $150,000 medical and $2,500 baggage for families carrying valuable electronics and equipment.

Travel Guard costs more than budget options with an 88 affordability score compared to World Nomads (98) and Generali (94).

Allianz delivers a perfect 100 for claims processing and customer support, with 24/7 emergency assistance and the industry's best cancel for any reason coverage at 80% reimbursement through its "Cancel Anytime" benefit. Most competitors offer 50% to 75% CFAR.

Prime (92 score) and Premier (91 score) offer identical service and CFAR terms:

• 80% "Cancel Anytime" coverage up to $16,000
• 24/7 multilingual customer support
• Direct billing with medical providers (no upfront payment)
• Claims processed within 10 business days
• Pre-existing condition waiver (14-day window)

Prime provides $50,000 medical and $100,000 trip cancellation, while Premier upgrades to $75,000 medical and $200,000 cancellation.

Allianz costs more (86 cost score) than budget options and requires purchase within 14 days, shorter than IMG (21 days) or Generali (24 hours after final payment).

AXA Platinum offers the highest baggage protection with $3,000 total coverage and $750 per-item limits, ideal for travelers carrying expensive cameras, electronics or luxury items that exceed competitors' $250 to $500 per-item caps. The plan includes no deductible on baggage claims.

Platinum provides:

• $3,000 total baggage (highest available)
• $750 per-item limits (3x higher than most plans)
• No deductible on claims
• 75% CFAR with no dollar cap
• $250,000 emergency medical, $1 million evacuation

AXA offers only three plans compared to competitors with more diverse options, and its overall affordability score trails budget leaders.