Best International Travel Insurance Company: With the demand for international travel to destinations around the world and many airports facing staff shortages, purchasing travel insurance makes more sense than ever. Of course, airfare and hotel prices are causing sticker shock among those willing to explore, but a travel policy will ensure that your trip is canceled or out of your control. You will not lose the money spent if interrupted due to reasons.
While many travel credit cards offer some form of travel insurance coverage as a cardholder perquisite, the limits are low and you typically won’t get any coverage for emergency dental or medical care. On the other hand, by purchasing insurance for international travel from one of the best travel insurance companies, you can get a full suite of protective benefits that will protect you against travel delays, emergency medical transfers, lost luggage, and even essentials.
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Best International Travel Insurance Company
Allianz Travel Insurance
Allianz Travel Insurance offers a variety of plans that can work well for international travel, whether you want to lock in travel insurance for a single trip, multiple trips, or an entire year. You can use this provider to buy a comprehensive international travel plan that includes all the major coverage you’d expect, but you can buy special coverage for international medical expenses, car rentals, and more.
Especially for international travel, the OneTrip Prime plan is a top choice: it includes important benefits like trip cancellation or interruption coverage as well as coverage for medical emergencies and emergency transportation. Coverage plans can be added for pre-existing conditions; Children aged 17 and below are covered free of charge when traveling with parents or grandparents.
GeoBlue offers international travel medical insurance which is specifically applicable for healthcare expenses incurred outside your country. Travelers can buy coverage for one trip or multiple trips at a time, but you can buy extended coverage for international trips lasting at least three months.
The company’s Voyager single-trip plan can be the best option for international travel that requires travel health insurance coverage. Not only does this plan include coverage for COVID-19 testing and treatment, it also comes with a post-departure travel interruption transportation benefit of up to $1,000; a Quarantine facility up to $50 per day (for a maximum of 10 days); and your preferred medical limits and deductibles. The plan also covers pre-existing conditions for medical services and medical evacuation, if the individual is already in the current U.S. Have a health plan.
AIG Travel Guard
AIG Travel Guard is another travel insurance company that offers protective international plans for travel almost anywhere in the world. The basic coverage options included in each plan are trip cancellation and interruption coverage, baggage protection, baggage delay coverage, travel medical expenses coverage, and medevac protection for emergency medical evacuation. That said, you can customize your coverage with any (or all) of the following add-ons:
AIG Travel Guard offers three main international travel insurance plans to choose from with different limits that may best suit your needs – a Basic Essential Plan, a Mid-Level Preferred Plan, and a Comprehensive Deluxe Plan. These options make it easy to choose from existing plans, yet customize your coverage based on the specific limits you need for your travels.
Generali Global Assistance
Generali Global Assistance is a top provider of travel insurance plans for international travel as well as coverage for pandemic-related claims. This provider offers three different levels of travel insurance coverage: a basic standard plan, a mid-level preferred plan, and a premium plan. Each tier offers similar coverage, yet limits are higher for Preferred and Premium plans.
World Nomad Travel Insurance
World Nomad is a great option for international travelers who love adventure sports as the company deliberately offers coverage for more than 150 activities like scuba diving, mountain biking, bungee jumping, surfing, skiing, and more. It also lets you insure your travel according to your needs, but each plan includes trip cancellation and interruption, emergency accident and illness, travel delay, delayed or lost luggage, and rental car coverage. Plans also include 24-hour travel assistance services, which can help coordinate alternative travel arrangements or medical care if something goes wrong during your trip.
Many World Nomad plans also offer coverage for COVID-19, though you can choose any plan. You may want to read the policy details for the service you’re considering insuring. With this coverage, if you test positive or if you get sick in the country, you can be financially protected from costs associated with pandemic-related health care or quarantine.
Squaremouth
Squaremouth is not a travel insurance company, but this website makes it easy to shop for international travel insurance and compare quotes. This insurance platform allows you to enter information about yourself and your upcoming international travel at once. From there, you can see how the various plans stack up in terms of coverage, costs, and any applicable limits.
The good news about Squaremouth is that it only offers plans from top insurance providers that have an AM Best rating of A- or better. For example, you can use this platform to compare travel insurance policies from Berkshire Hathaway, Generali Global Assistance, GeoBlue, Nationwide, and other companies.
Should I use travel insurance with a credit card?
Many travel credit cards offer travel insurance benefits to cardholders, but you should be aware that these coverages have some limitations. For example, credit card travel insurance plans never provide a meaningful amount of coverage for medical emergencies or dental emergencies. Meanwhile, other travel protections may have limited limits, and you must pay with your travel credit card for each trip in order for the coverage to apply.
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