Compare Travel Insurance Plans & Quotes

Compare travel insurance plans, coverage terms, and quotes from the top travel insurers. We compared and analyzed 42 plans offered 13 travel insurance companies help you get the right travel insurance.

Start comparing travel insurance plans and quotes below.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Katherine Kurtz, PhD

Updated: September 12, 2025

Advertising & Editorial Disclosure

Compare Travel Insurance Plans: Key Takeaways

We've made comparing travel insurance plans easier: There are dozens of travel insurance companies all offering multiple unique travel insurance plans. We allow you to compare coverage features side-by-side and compare quotes for each travel insurance plan.

Compare travel insurance affordability: Travel insurance costs 3% to 12% of your total trip cost, with age being the main price driver above 5% of trip cost. Expect to pay $75 to $200 for a $2,500 trip if you're under 50, $150 to $400 if you're 65, and $300 to $700 if you're 75 or older.

Compare coverage to get the right travel insurance plan: We recommend having trip cancellation and interruption, medical coverage of $50,000-$250,000, evacuation coverage and a moderate level of baggage coverage. If you are planning more dangerous activities, like scuba diving, make sure your plan covers your activities.

Compare Travel Insurance Plans: Side-by-Side

We organized 42 travel insurance plans into three categories based on coverage levels and features to simplify your travel insurance comparison process. The main differences between categories are medical coverage limits, evacuation amounts, and premium features like "cancel for any reason" (CFAR) coverage.

Basic plans work for healthy travelers on standard trips under $5,000 who want essential protection at the lowest cost. Comprehensive plans provide the best balance of coverage and value for most travelers, especially trips between $2,500-$15,000. Premium plans offer maximum coverage limits and specialized features for expensive trips, seniors, or travelers with high-risk activities.

Basic Travel Insurance Plans Comparison

These plans provide fundamental coverage including trip cancellation and medical coverage at lower prices. They work well for healthy travelers taking standard trips under $5,000. Medical coverage ranges from $25,000-$50,000, which covers routine medical emergencies but won't provide protection for for serious incidents requiring surgery or evacuation.


Seven Corners	Basic	100% of trip cost	$25,000	$100,000	$500	Not Available	Not Available
IMglobal	Lite	100% of trip cost	$50,000	$500,000	$750	Not Available	Included (within 14 days)
Travel Guard	Essential	100% of trip cost	$25,000	$100,000	$600	Not Available	Included (within 14 days)
Nationwide	Essential	100% of trip cost	$50,000	$100,000	$750	Not Available	Included (within 14 days)
Tin Leg	Basic	100% of trip cost	$25,000	$100,000	$500	Not Available	Not Available

Comprehensive Travel Insurance Plans Comparison

These plans offer the best balance of coverage and value for most travelers, with $100,000-$150,000 medical coverage and evacuation limits up to $1 million. Most include CFAR options and pre-existing condition waivers.


AXA	Gold	100% of trip cost	$100,000	$500,000	$1,000	Available	Included (within 14 days)
Allianz	Prime	100% of trip cost	$100,000	$1,000,000	$1,000	Available	Included (within 14 days)
BHTP	ExactCare	100% of trip cost	$100,000	$1,000,000	$1,000	Available	Included (within 14 days)
Generali	Premium	100% of trip cost	$100,000	$500,000	$1,500	Available	Included (within 14 days)
Tin Leg	Luxury	100% of trip cost	$150,000	$1,000,000	$2,500	Available	Included (within 21 days)
World Nomads	Explorer	100% of trip cost	$100,000	$1,000,000	$3,000	Not Available	Included (within 14 days)

Premium Travel Insurance Plans Comparison

These plans provide the highest coverage limits ($250,000-$1 million medical) and specialized features for expensive trips, seniors or high-risk activities. Premium plans offer the maximum financial protection but cost 60-100% more than comprehensive options.


AXA	Platinum	100% of trip cost	$1,000,000	$1,000,000	$2,500	Available	Included (within 14 days)
Allianz	Premier	100% of trip cost	$500,000	$1,000,000	$2,000	Available	Included (within 14 days)
BHTP	LuxuryCare	100% of trip cost	$250,000	$1,000,000	$2,000	Available	Included (within 14 days)
World Nomads	Epic	100% of trip cost	$1,000,000	$1,000,000	$4,000	Not Available	Included (within 14 days)
World Trips	Elevate	100% of trip cost	$500,000	$1,000,000	$2,000	Available	Included (within 14 days)

How to Compare Travel Insurance

Travel insurance comparison is challenging because plans use different coverage names for similar benefits, vary widely in their exclusions, and price identical coverage differently based on your age, destination and trip details. When you compare travel insurance plans, focus on coverage that matches your specific risks and budget. We recommend evaluating plans across these core factors that directly impact your financial protection and out-of-pocket costs.

We make this easier by organizing 42 plans from 13 companies into clear categories and showing exactly how factors like age and trip cost affect your travel insurance quotes. Also, see our guide to how travel insurance works and what it covers.

1
Compare Trip Cancellation & Interruption
Trip cancellation reimburses 100% of non-refundable costs if you can't travel for covered reasons like illness, job loss or severe weather. Standard plans cover 10-15 specific reasons, while "cancel for any reason" (CFAR) allows cancellation for any reason with 50-90% reimbursement.

Trip interruption pays for the portion of your trip you missed plus additional return costs if you need to come home early during travel. If you paid $3,000 for a 10-day trip but had to come home after 6 days, the insurance would reimburse you for the 4 unused days (roughly $1,200). This coverage is valuable for trips over $5,000 or lasting more than two weeks.
- CFAR requires purchase within 10-21 days of trip deposit
- Must cancel 48+ hours before departure for CFAR benefits
- Standard plans need qualifying cancellation reasons with documentation
2
Compare Travel Insurance Medical Coverage
Travel emergency medical coverage ranges from $25,000 to $1 million, with most travelers needing $100,000-$250,000 for good protection.
- Minimum $100,000 medical for basic trips
- $250,000+ recommended for adventure activities
- Primary medical insurance coverage pays first without your health insurance, contributing while secondary coverage only pays after your primary insurer.
3
Compare Plans for Pre-Existing Conditions Exclusions
Travel insurance plans exclude pre-existing medical conditions unless you purchase a waiver within 10-21 days of your initial trip deposit. You must also be medically stable when buying coverage.

Lookback periods vary from 60-180 days, with definitions ranging from any medical attention to just symptom changes. This timing requirement makes early purchase important for travelers with health concerns.
4
Compare Additional Coverage Options
Baggage coverage protects lost or stolen items ($500-$4,000 with per-item limits), while travel delay coverage reimburses expenses from covered delays ($100-200 per day). Adventure sports coverage is available on select plans for activities like scuba diving and skiing, while rental car coverage provides collision protection.
- Baggage claims require receipts and police reports for theft
- Travel delays typically need 5-12 hour delays to trigger coverage
- Adventure sports and rental car coverage often require additional premiums
- Rental car coverage may duplicate your existing auto insurance or credit card benefits
5
Compare Travel Insurance Quotes
Travel insurance cost varies by company for similar coverage. Get three to five quotes before buying. The biggest factors that impact your travel insurance quotes are: 1) total trip cost 2) age of travelers 3) destination 4) number of travelers 5) coverage terms and conditions in the plan you choose. Age is the biggest factor for older travelers, with 75-year-old travelers paying 300-500% more than those aged 20-50 for identical coverage.

Compare Travel Insurance Plan Costs by Company

We analyzed over 5,000 travel insurance quotes from 13 companies to help you compare the cost of travel insurance by company and plan. The table below allows you to compare travel insurance quotes for each plan at different trip cost amounts.


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
IMglobal	Lite	$52	$89	$162
IMglobal	Choice	$89	$152	$278
IMglobal	SE	$123	$210	$378
IMglobal	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

Read more: Comparing travel insurance cost

Compare Travel Insurance Cost by Trip Coverage Amount

Travel insurance plans cost more as the cost of the trip increases. Our analysis of travel insurance quotes across four trip cost levels reveals how much a plan will cost depending on the cost of your trip.


$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 cost by age is relatively flat until you reach age 55. Seniors will pay more for travel insurance due increased medical risks with the most dramatic cost increases for those older than 70. See the table below to compare travel insurance cost by age.


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

Travel Insurance Comparison by Destination

Your travel destination affects travel insurance cost, though less dramatically than age, trip cost, or coverage terms. Certain regions have higher insurance costs due to higher medical costs, political instability or natural disaster risks. See below for a comparison of travel insurance quotes by country.


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

Quotes above are based on a traveller aged 20-50 years old with a trip cost of $2,500.

Most popular tourist destinations including European countries, established Asian destinations like Thailand and Japan, Australia, New Zealand, and Canada have standard pricing. Some destinations like Greece, Turkey, and Mexico cost 8-15% more to insure due to higher medical expenses or evacuation costs. Countries with limited medical infrastructure like India, Brazil, and parts of Africa cost 15-25% more to insure due to higher claim costs and complex evacuation requirements.

Travel Insurance Plan Comparison: Bottom Line

When comparing travel insurance, make sure to compare quotes for equal of similar travel insurance protection. The tables above allow you to compare the travel coverage features and pricing for each plan.

Age, trip cost, and destination all affect pricing. Timing your purchase within 10 to 21 days of your trip deposit payment gives you the best coverage options including CFAR and pre-existing condition waivers.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

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