Best Travel Insurance Companies in United States (US)

From the busy streets of New York City to the peaceful expanses of Yellowstone National Park, adventure is around every corner. Both domestic travelers and foreign tourists can enjoy a wide variety of travel opportunities in the United States. One thing never changes, whether you’re arranging a cross-country road trip, a restful beach getaway, or an exciting city exploration: the significance of travel insurance.

Travel insurance is essential for peace of mind during unforeseen circumstances in today’s uncertain world. This in-depth blog series examines several facets of travel insurance in the US, assisting visitors in making decisions that will safeguard their assets, secure their safety, and allow them to fully experience the diversity of the nation.

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1. Travel Insurance

A crucial safety net for travelers, travel insurance provides financial security in the event of unforeseen circumstances including trip cancellation, medical problems, and lost luggage. With a range of coverage options to fit different demands and travel schedules, it offers peace of mind and guarantees an enjoyable trip.

1.1 Need for Travel Insurance

Travelers should always purchase travel insurance since it provides necessary security and piece of mind. Unexpected events can cause even the best-laid plans to fall through when traveling. When an unexpected incident occurs, such as a trip cancellation, medical emergency, travel delay, or lost or delayed baggage, travel insurance comes in to give assistance.

This financial safety net makes sure that you won’t have to cope with the burden of managing emergencies on your own or with having to carry significant costs. Having the appropriate travel insurance in place is a wise choice whether you’re traveling domestically or abroad, for pleasure or business. It gives you the peace of mind that your assets and well-being are safeguarded, allowing you to travel with confidence.

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2. Best Travel Insurance Companies – United States (US)

The finest travel insurance packages bundle beneficial features that might help you save money if unforeseen circumstances cause your trip to be cut short.

2.1 Top 10 Best Travel Insurance Companies According to Our Ratings

Following are the top 10 best travel insurance companies,

1. Travel Insured International – Best For Non-Medical Evacuation
2. Travel Safe – Best For Missed Connection Coverage
3. World Trips – Best for extension of coverage
4. AXA Assistance USA – Best for baggage and personal items coverage
5. Nationwide – Best for tour and cruise missed connection coverage
6. Seven Corners – Best for “cancel for any reason” coverage
7. HTH Worldwide – Best for travelers with layoff concerns
8. Berkshire Hathaway Travel Protection –  Best for hurricane and weather coverage
9. Cat 70 – Best for lower-cost medical and evacuation coverage
10. Generali Global Assistance – Best for trip interruption coverage

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3. Travel Insured International – United States (US)

3.1 Why Its Highly Recommended – Travel Insured International United States

 As compared to other top-rated policies, Travel Insured’s Global Trip Protector plan offers strong benefits at a reduced cost if lower medical expense coverage limits are sufficient.

3.2  Pros & Cons – Travel Insured International United States

Pros	Cons
Premium non-medical evacuation benefits of $150,000 each.	Compared to top competitors, medical coverage of $100,000 per person is on the low side, but it may be sufficient for your needs.
Upgrade to “Cancel for any reason” is available
Available upgrade: “Interruption for any reason.”
After just a 3-hour delay, beneficial travel delay and baggage delay benefits start to kick in.
After a six-hour wait, excellent hurricane and weather coverage.

3.3 Company Overview – Travel Insured International United States (US)

One of the top suppliers of travel insurance, Travel Insured International was established in 1994 and has provided dependable global travel protection for more than 25 years. In addition to emergency assistance and evacuation, trip cancellation and interruption protection, medical insurance, baggage insurance, airline ticket protection, and other benefits, the company, which has its headquarters in Glastonbury, Connecticut, also provides a wide range of travel protection services.

You may travel comfortably, securely, and protected thanks to Travel Insured’s ties with speciality travel suppliers and tour operators as well as its availability of 24/7 insurance assistance.

Industries	Travel
Headquarters Regions	East Coast, New England, Northeastern US
Founded Date	Jan 1, 1994
Top-scoring plan	Worldwide Trip Protector
Covers Covid?	Yes
Medical & evacuation limits per person	$100,000/$1 million

3.4 Products & Services – Travel Insured International United States (US)

Services offered by the company are,

1. Trip and fight cancellation
2. Travel medical and evacuation
3. Baggage delay and loss

3.5 Contact Details – Travel Insured International United States (US)

You can contact the company through,

Phone Number	1‑855-752-8303
Address	Box 6503, Glastonbury, CT 06033; 855-752-8303;
Email	[email protected]
Official Website	https://www.travelinsured.com/

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4. TravelSafe – United States (US)

4.1 Why Its Highly Recommended – TravelSafe United States (US)

The Classic TravelSafe plan provides high limits for other coverage categories even though its medical expenditures coverage is modest in comparison to other top policies.

4.2 Pros & Cons – TravelSafe United States (US)

Pros	Cons
Excellent insurance with $1 million in per-person coverage for medical evacuation.	Compared to top competitors, $100,000 in medical benefits is on the low side, but it might be enough for your requirements.
Upgrade to “Cancel for any reason” is available.	After a 12-hour delay, baggage delay insurance is a tad on the meager side at $250 per passenger.
Superior limitations of $2,500 per person for luggage loss coverage.
After just a 3-hour delay, excellent missed connection coverage of $2,500 per person is available.
Pretty good weather and hurricane coverage.

4.3 Company Overview – TravelSafe United States (US)

A financial services company called TravelSafe Insurance offers tourists all-inclusive insurance.

Industries	Financial Services
Headquarters Regions	Great Lakes, Northeastern US
Founded Date	Jan 1, 1971
Top-scoring plan	Classic plan
Covers Covid?	Yes
Medical & evacuation limits per person	$100,000/$1 million

4.4 Products & Services – TravelSafe United States (US)

Services offered by the company are,

1. TravelSafe’s Classic plan
2. TravelSafe Basic plan

Coverages offered are,

1. Trip Cancellation
2. Trip Interruption
3. Missed Trip Connection
4. Trip Delay
5. Optional Cancel For Any Reason

4.5 Contact Details – TravelSafe United States (US)

You can contact the company through,

Phone Number	1-888-885-7233
Address	40 Commerce Drive Wyomissing, PA 19610-1068
Email	[email protected]
Official Website	https://www.travelinsured.com/

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5. WorldTrips – United States (US)

5.1 Why Its Highly Recommended – WorldTrips United States (US)

In comparison to the other companies we looked at, WorldTrips’ Atlas Journey Preferred policy gives an extension of coverage benefit that is over three weeks longer, and this extension includes medical quarantine coverage.

5.2 Pros & Cons – WorldTrips United States (US)

Pros	Cons
The least expensive of our three 5-star plans.	Secondary emergency medical insurance with a primary level upgrade is available.
Top-notch medical evacuation coverage of $1 million per person.	No coverage of “interruption for whatever cause.”
Very good coverage for missed connections and delays in travel.
Optional 50% or 75% “cancel for any reason” coverage.

5.3 Company Overview – WorldTrips United States (US)

WorldTrips, a pioneer in internet insurance services and products, was established in 1998. They provide travel medical insurance to clients in more than 130 countries and trip protection insurance to Americans through hundreds of international insurance providers who host their electronic tools.

Company Founded	1879
Headquarters	Houston, Texas, Tokio Marine HCC
Top-scoring plan	Classic plan
Covers Covid?	Yes
Medical & evacuation limits per person	$100,000/$1 million

5.4 Products & Services – WorldTrips United States (US)

Services offered by the company are,

1. Travel Medical Insurance
2. Premium Travel Medical Insurance
3. Group Travel Medical Insurance
4. Annual Travel Medical Insurance
5. International Student Health Insurance
6. Trip Cancellation Insurance
7. Trip Protection Insurance

5.5 Contact Details – WorldTrips United States (US)

You can contact company through,

Phone Number	800-605-2282
Address	4 Carter Green #400, Carmel, IN 46032, United States
Email	[email protected].
Official Website	https://www.travelinsured.com/support/

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6. AXA Assistance USA – United States (US)

6.1 Why Its Highly Recommended – AXA Assistance USA

Unless your homeowner’s insurance, renter’s insurance, or credit card has comparable coverage, AXA Help USA’s Platinum policy may be the best method to protect pricey goods you bring on trips.

6.2 Pros & Cons – AXA Assistance USA

Generous limits on medical and evacuation.

Pros	Cons
Upgrade to “Cancel for any reason” is available.	Wait 12 hours before leaving before using luggage delay insurance.
A premium luggage loss policy with a $3,000 per person limit	No coverage of “interruption for whatever cause.”
Generous $1,500 per person coverage for missing connections (but for cruises and tours only)	Only cruises and tours are covered by the missed connection insurance.
Includes ski days, golf outings, and the rental of sporting goods.
Consists of concierge services like restaurant and hotel recommendations and reservations, high-end
Travel arrangements like villa rentals and private jet charters, and more.

6.3 Company Overview – AXA Assistance USA

AXA Travel Insurance offers a range of help services, travel, specialty, and insurance products, as well as credit protection.

Industries	Health Insurance Insurance Life Insurance Travel
Headquarters Regions	European Union (EU), Europe, Middle East, and Africa (EMEA)
Founded Date	2016
Top-scoring plan	Classic plan
Covers Covid?	Yes
Medical & evacuation limits per person	$100,000/$1 million

6.4 Products & Services – AXA Assistance USA

Services offered by the company are,

1. AXA Assistance USA’s Platinum plan
2. AXA Assistance USA’s Silver plan
3. AXA Assistance USA’s Gold plan

6.5 Contact Details – AXA Assistance USA

You can contact the company through,

Phone Number	855-327-1441
Address	122 S Michigan Ave Ste 1100 Chicago, IL 60603-6115
Email	[email protected]
Official Website	https://www.axatravelinsurance.com/

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7. Nationwide – United States (US)

Although Nationwide’s Cruise Luxury plan only offers $150,000 in medical expense coverage, it offers a number of additional attractive advantages at a reasonable cost.

7.1 Why Its Highly Recommended – Nationwide United States (US)

Although Nationwide’s Cruise Luxury plan only offers $150,000 in medical expense coverage, it offers a number of additional attractive advantages at a reasonable cost.

7.2 Pros & Cons – Nationwide United States (US)

Pros	Cons
Upgrade to “Cancel for any reason” is available.	Though less comprehensive than most other top-rated plans, the medical coverage can be adequate for your need.
Available upgrade: “Interruption for any reason.”	Hurricane and weather coverage has a 24-hour delay requirement, as opposed to certain rival policies that simply have a 12-hour delay requirement.
Excellent coverage for medical evacuations.
Includes $25,000 in benefits for non-medical evacuation.
Better $2,500 per person rewards for lost luggage.
Better compensation of $1,000 per person for baggage delays.
After just a 3-hour delay, excellent missed connection coverage of $2,500 per person is available.
After just a 6-hour delay, good travel delay compensation of $1,000 per person are provided.

7.3 Company Overview – Nationwide United States (US)

Since 1925, Nationwide has provided the most popular types of insurance, including life, home, and auto. Additionally, it offers a variety of travel insurance options for single, multiple, and cruise excursions.

Nationwide provides trip cancellation coverage of up to $10,000 with its Essentials plan and $30,000 with its Premier plan to safeguard your single excursions.

The cost of an annual travel insurance package to cover delays, medical costs, medical evacuation, misplaced luggage, and travel support is just $59 for travelers.

Founded	1925
Top-scoring plan	Cruise Luxury
Covers Covid?	Yes
Medical & evacuation limits per person	$150,000/$1 million

7.4 Products & Services – Nationwide United States (US)

Following plans are being offered by the company,

1. Essential Plan
2. Prime
3. Cruise Universal
4. Cruise Choice
5. Cruise Luxury

7.5 Contact Details – Nationwide United States (US)

You can contact the company through,

Phone Number	0800 051 01 54
Address	The Wharf, Neville Street, Leeds LS1 4AZ
Email	[email protected]
Official Website	https://www.nationwide.com

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8. Seven Corner – United States (US)

8.1 Why Its Highly Recommended – Seven Corner United States (US)

The RoundTrip Select plan from Seven Corners offers wonderful advantages and upgrade possibilities for everyone.

8.2 Pros & Cons – Seven Corner United States (US)

Pros	Cons
Superior coverage thresholds for medical evacuation and medical costs.	The policy is on the expensive side; for big savings, think about RoundTrip Basic.
Upgrade to “Cancel for any reason” is available.	After 48 hours, not 12 or even 24, coverage for hurricanes and weather delays begins to apply.
Available upgrade: “Interruption for any reason.”	Only cruises and tours are covered for missed connections
A very good $2,000 per person travel delay insurance policy
Only a 6-hour delay is necessary to receive good baggage delay coverage of $500 per person.
A premium luggage insurance policy costs $2,500 per person.
Good weather and hurricane coverage.
Includes protection for sporting goods.
$20,000 for non-medical evacuation covers transportation to safe location in case of travel advisory or warning.

8.3 Company Overview – Seven Corner United States (US)

An innovative and customer-oriented provider of specialist benefit management services and foreign travel insurance is Seven Corners, Inc. International passengers, U.S. government agencies, foreign governments, businesses, and numerous insurance firms are just a few of its clients. With a business strategy centered on cutting-edge products and

They strive to continually surpass their customers’ demands and expectations by offering personalized service levels. Strategically located in Carmel, Indiana, close to Indianapolis, Seven Corners has a privately held corporate headquarters.

Industries	Insurance
Headquarters Regions	Great Lakes, Midwestern US
Founded Date	1993
Founders	Jim Krampen, Justin Tysdal
Top-scoring plan	RoundTrip Choice
Covers Covid?	Yes
Medical & evacuation limits per person	$500,000/$1 million

8.4 Products & Services – Seven Corner United States (US)

Company offers following services,

1. Trip Protection
2. USA Trip Protection
3. Travel Medical
4. Travel Medical Annual Multi-Trip
5. Travel Medical USA Visitor
6. Medical Evacuation & Repatriation

8.5 Contact Details – Seven Corner United States (US)

You can contact the company through,

Phone Number	800-335-0611
Address	Seven Corners. 303 Congressional Blvd. Carmel, Indiana 46032
Email	[email protected]
Official Website	https://www.sevencorners.com/

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9. HTH Worldwide – United States  (US)

9.1 Why Its Highly Recommended – HTH Worldwide United States (US)

The most comprehensive layoff coverage is provided by HTH’s TripProtector Classic along with a few other products. If you have been working continuously for at least a year without a waiting period, you are qualified.

9.2 Pros & Cons – HTH Worldwide United States (US)

Pros	Cons
If you purchase a TripProtector Classic plan within 21 days after your first trip deposit, pre-existing conditions will be covered.	No “cancel for any reason” upgrade is offered (but the more expensive Preferred plan from the business does).
Following just a 10-day delay, best-in-class financial default protection.	Unavailable “interruption for any cause” upgrading.
Top-notch medical evacuation coverage of $1 million per person.	No coverage for non-medical evacuation.

9.3 Company Overview – HTH Worldwide United States (US)

Worldwide Insurance Services (WIS), founded in 1997, assists global travelers and expatriates in accessing and paying for healthcare worldwide. They offer HTH Worldwide travel medical and trip cancellation plans, leveraging their experience for international travel, expatriate living, study, and commerce.

Industries	Health Care Mobile Travel
Headquarters Regions	Greater Philadelphia Area, Great Lakes, Northeastern US
Founded Date	1997
Top-scoring plan	TripProtector Preferred Plan
Covers Covid?	Yes
Medical & evacuation limits per person	$500,000/$1 million

9.4 Products & Services – HTH Worldwide United States (US)

HTH Worldwide provide the following services,

1. Single Trip Medical
2. Multi Trip Medical
3. Trip Cancellation
4. Group Plans

9.5 Contact Details – HTH Worldwide United States (US)

You can contact the company through,

Phone Number	888.243.2358
Address	1 Radnor Corporate Center, Radnor, PA 19087, United States
Email	[email protected]
Official Website	[email protected]

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10. Berkshire Hathaway Travel Protection – United States (US)

10.1 Why Its Highly Recommended – Berkshire Hathaway Travel Protection United States (US)

Berkshire Hathaway’s LuxuryCare program offers a lot of benefits. The needed waiting times for missing connections and delays in transportation are fewer than those of certain rivals.

10.2 Pros & Cons – Berkshire Hathaway Travel Protection United States (US)

Pros	Cons
After five hours, there are excellent travel delay benefits of $2,000 per person.	A $100,000 per person medical coverage is modest compared to top competitors, yet you could find it adequate.
Better $2,500 per person rewards for lost luggage.	It is possible to upgrade to “Cancel for Any Reason,” but it costs only 50% of the trip cost, as opposed to 75% from most competitors.
After three hours, connection coverage was lost.	Among the top-rated plans with the highest price.
Insurance for misplaced sporting goods.
Coverage for lost sporting goods.
Superior coverage of hurricanes and weather.

10.3 Company Overview – Berkshire Hathaway Travel Protection United States (US)

By providing cutting-edge plans and a fair claims process, Berkshire Hathaway Travel Protection (BHTP) seeks to make purchasing travel insurance more straightforward. In addition to providing commercial property, casualty, healthcare professional liability, and travel insurance programs, Berkshire Hathaway Specialty Insurance (BHSI), a leader in specialized casualty and liability insurance, also owns and operates BHTP.

Industries	Financial Services Insurance
Headquarters Regions	Greater Boston Area, East Coast, New England
Founded Date	2013
Top-scoring plan	LuxuryCare
Covers Covid?	Yes
Medical & evacuation limits per person	$100,000/$1 million

10.4 Products & Services – Berkshire Hathaway Travel Protection United States (US)

Companies offers following services,

1. Trip Cancellation Insurance
2. Travel Medical Insurance
3. Emergency Medical Evacuation Coverage
4. Travel Interruption Insurance
5. Travel Delay Insurance

10.5 Contact Details – Berkshire Hathaway Travel Protection United States (US)

You can contact company through,

Phone Number	844-411-2487
Address	Berkshire Hathaway Travel Protection 1265 Main Street, Suite 301 Stevens Point, WI, 54481
Email	[email protected]
Official Website	https://www.bhtp.com/

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11. Cat 70 – United States (US)

11.1 Why Its Highly Recommended – Cat 70 United States (US)

If the lower restrictions on certain other perks don’t worry you, Cat 70’s Travel Plan is worth a look because it offers excellent medical and evacuation coverage.

11.2 Pros & Cons – Cat 70 United States (US)

Pros	Cons
Superior $500,000 per person medical insurance.	At $500 per person, both the coverage for baggage loss and travel delays is on the low side.
Upgrade to “Cancel for any reason” is available.	The $200 per person cap on baggage delay insurance is minimal and necessitates a 24-hour delay.
Good weather and hurricane coverage.	There is no coverage for rental cars.
After a one-hour delay, provides a $200 benefit for airline ticket modification fees.
If the caregiver of your child is hurt, becomes ill, or passes away, you may be eligible for travel cancellation and trip interruption payments.

11.3 Company Overview – Cat 70 United States (US)

Cat 70, designed by Squaremouth travel insurance experts, offers comprehensive coverage for all types of travelers. It provides high medical coverage, trip cancellation benefits, travel and baggage delay, and personal item loss. Cat 70’s customer service team is dedicated to helping travelers find the best coverage, while Starr Indemnity & Liability Company underwrites all Cat 70 products.

Top-scoring plan	Travel Plan
Covers Covid?	Yes
Medical & evacuation limits per person	$500,000/$500,000

11.4 Products & Services – Cat 70 United States (US)

It provides a single package that may be utilized for both domestic and foreign travel. The travel insurance offered by Cat 70 covers a wide range of potential issues, including missed flights, misplaced bags, accidents, and illnesses.

11.5 Contact Details – Cat 70 United States (US)

You can contact company through,

Phone Number	800-567-3512
Address	Administrative Concepts, PO Box 4000, Collegeville, PA 19426
Email	[email protected]
Official Website	https://www.cat70.com/

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12. Generali Global Assistance – United States (US)

12.1 Why Its Highly Recommended – Generali Global Assistance United States (US)

The Premium plan from Generali offers excellent benefits for a fair average cost. Excellent trip interruption insurance is offered, and sporting equipment that is lost, damaged, stolen, or delayed is also covered.

12.2  Pros & Cons – Generali Global Assistance United States (US)

Pros	Cons
Top-notch medical evacuation coverage of $1 million per person.	Benefits are only available after a 12-hour delay in the arrival of luggage.
After a three-hour delay, decent missing connection insurance of $1,000 per passenger.	60% rather than 75% of the optional “cancel for any reason” coverage.
A solid $2,000 per person baggage loss insurance policy.	Only cruises and tours are covered by the missed connection policy.

12.3 Company Overview – Generali Global Assistance United States (US)

Generali Global Assistance (GGA) is a global assistance company that provides travel insurance and identity theft protection. Established in 1963, GGA is part of the Europ Assistance (EA) Group, a division of Generali Group. With over 76,000 employees in 60 countries, GGA has built trust with clients for its ability to provide assistance in difficult circumstances.

Industries	Elder Care Identity Management Insurance
Headquarters Regions	Washington DC Metro Area, East Coast, Southern US
Founded Date	1963
Founders	Pierre Desnos
Top-scoring plan	Premium Plan

12.4 Products & Services – Generali Global Assistance United States (US)

Services offered by the company are,

1. Trip Cancellation coverage
2. Medical and Dental coverage
3. 24-hour Emergency Assistance 

12.5 Contact Details – Generali Global Assistance United States (US)

You can contact company through,

Phone Number	800-874-2442
Address	4181 Ruffin Rd Ste 150, San Diego, California, 92123, United States
Email	[email protected]
Official Website	https://us.generaliglobalassistance.com/

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13. FAQs – Travel Insurance United States (US)

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