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Top 10 Travel Insurance

Find here the reasons why you should buy travel insurance and where to get them! This article outlines the reasons why you should get it every time you travel.

 

✔ Last updated: 2019-12-09

If you are planning to travel abroad, or even just within the country, taking out travel insurance is strongly recommended. Travel insurance will provide you protection from medical costs, and it can also cover disruptions to your trip.

We created a chart of the top travel insurance for you to choose from.

 

Rank

Insurance Company

Features

Visit Site

★★★★★
100+ Ratings

✔Compare plans from 28 providers & get advice from thousands of reviews, as well as advocates if your insurer denies your claim

✔Plans: Single, Multi & Yearlong
✔Medical Coverage: Varies

★★★★★
100+ Ratings

Compare plans from multiple providers and get help if the insurer doesn’t resolve your complaint to your satisfaction

✔Plans: Annual, Single & Rental Car
✔Medical Coverage: Varies

★★★★★
100+ Ratings

The largest insurance company in the US offering a wide range of plans, with a reputation for resolving claims quickly

✔Plans: Flexible Length & Annual
✔Medical Coverage: $50,000

★★★★
100+ Ratings

Comprehensive plans that include coverage for 200 adventure activities and a higher than average cap on lost or stolen baggage

✔Plans: Single, Multi & Yearlong
✔Medical Coverage: Up to $100,000

★★★★
100+ Ratings

Highly customizable and flexible travel insurance policies that can suit every situation and cover all ages

✔Plans: Single Trip
✔Medical Coverage: Up to $50,000

★★★★
100+ Ratings

Comprehensive and customizable travel insurance that includes kids up to age 21 and accepts many reasons for trip cancellation

✔Plans: Single & Annual
✔Medical Coverage: Up to $50,000

★★★★
100+ Ratings

Comprehensive travel insurance plans that include coverage for extreme sports, for US citizens and non-citizen immigrants

✔Plans: Single, Multi & Yearlong
✔Medical Coverage: Up to $250,000

★★★
100+ Ratings

Compare multiple plans across various criteria, and consult customer reviews to choose the best travel insurance for your trip

✔Plans: Single, Cruise & Annual
✔Medical Coverage: Varies

★★★
100+ Ratings

Choose from 3 different packages of travel insurance for single trip, cruise, or yearlong coverage no matter where you travel

✔Plans: Single & Long-Term
✔Medical Coverage: Up to $75,000

★★★
100+ Ratings

Comprehensive travel medical insurance for short- or long-term coverage when you travel

✔Plans: Single & Long-Term
✔Medical Coverage: Up to $1 million

Why is it Important to Have Travel Insurance?

By getting travel insurance, you are basically covering yourself against the risks while traveling such as stolen or lost luggage, flight cancellation, and most importantly, unexpected medical costs in a foreign land.

A small medical emergency abroad could completely deplete your budget for your vacation. This is how getting travel insurance can give you peace of mind. If you are traveling to the United Kingdom, it would cost you £150 just to visit a general practitioner, and hospital bills are still not included which could run into millions. Travel insurance can also provide a level of protection against currency fluctuations.

Travel Insurance Coverage

A comprehensive travel insurance policy can provide you the following:

1. Losses incurred due to unforeseen cancellation of your trip
2. Emergency medical coverage
3. Death and disability cover
4. Stolen or lost luggage
5. Personal liability cover

But there are also premium policies that can cover damage to rented cars, or even business conflicts. There are too many options that can be included, but you will have to ask your travel insurance provider.

Premium policies are will generally range from 5% to 7% the cost of your trip, but the fees will vary depending on your medical history and your age. A lot of companies offer policies that will include coverage for children with no extra charge.

We strongly advise you not the buy travel insurance from your tour adviser. Here are the reasons why:

1. Travel insurance these travel agencies offer are not as flexible as you want them to be.
2. They will provide a lower amount of coverage.
3. It may only cover a small portion of your trip.
4. The coverage these agencies offer may be secondary and the insurance will only pay for your own private health.
5. May duplicate the coverage that you already have.

A lot of travel agents are not fully aware when it comes to an understanding of the details of travel insurance policies, and they may overlook something that could be essential to you or your family member. Buying travel insurance from them may be less expensive, but for the reasons we have listed above, you should really check around.

But if you still want to buy your insurance policy from your travel agency, just be sure to use a credit card. This way, you may be provided with protection against possible default of the operator.