10 Best Travel Insurance Plans for Every Type of Trip

10 Best Travel Insurance Plans for Every Type of Trip

Best Overall Travel Insurance

Berkshire Hathaway Travel Protection routinely earns excellent evaluations for its extensive coverage and reasonable rates. Their ExactCare Value plan offers a strong basis of coverage and choices to add pre-existing condition exemptions and other perks. Their claims processing is likewise famously rapid. Travel insurance comparison site Squaremouth notes Berkshire Hathaway's focus on speed and their regular five-times faster claim processing than the industry average.

Best for Emergency Medical Coverage

Travelers looking for strong medical protection would particularly want Allianz Global Assistance. Their OneTrip Premier plan guarantees you receive the required treatment regardless of cost by including up to $1 million in emergency medical transportation. This is especially important for overseas travel, where domestic health insurance might not be applicable.

Best for Pre-Existing Medical Conditions

Travelers with pre-existing medical issues would choose Travel Guard from AIG. Their plans are broader than those of many rivals, and they provide waivers for certain limitations if bought within a designated period following the first trip deposit.

Best for Those Who Pack Expensive Equipment

Travel Insured International's Worldwide Trip Protector plans cover lost, stolen, or damaged luggage—including high-value items like electronics and sports equipment. They even cover ticket events. This is perfect for individuals heading to essential events or transporting pricey equipment.

Best for Adventurous Travelers

World Nomads is meant for daring tourists. Their designs automatically include more than 200 exciting activities, from bungee jumping to scuba diving, removing the need for extra add-ons. However, they only insure passengers up to age 69.

Best for Cruises

Nationwide provides tailored cruise insurance programs that address particular cruise-related issues, including itinerary adjustments, missing port calls, and ship breakdowns. Their plans sometimes cover emergency medical conditions and provide more medical evacuation limits than several rivals.

Best for Trip Delay Coverage

Faye distinguishes itself with its generous flight delay coverage—up to $4,500 per passenger for more than six-hour delays. Additionally, its smartphone app enables a completely digital claims process.

Best for Families

C&F Travel Insured excels with plans geared at families. Some policies, such as their Worldwide Trip Protector, provide free coverage for minors under seventeen while accompanied by an insured adult. Their customer service is also quite good.

Best for Budget Travelers

Berkshire Hathaway Travel Protection's ExactCare Value plan provides surprisingly thorough coverage at a reasonable cost. This is an excellent choice for those on a tight budget yet still want strong protection. Another great choice for budget visitors is Trawick International, which guarantees you only pay for what you need through affordable premiums and customizing customization coverage.

Best for Cancel For Any Reason Coverage

Seven Corners, Tin Leg, and John Hancock provide optional "Cancel For Any Reason" (CFAR) coverage, which gives flexibility to travelers who might have to postpone their trip for any reason—including ones not usually covered by standard insurance—. Usually, though, CFAR adds to the coverage premium and only reimburses a percentage of the travel cost—50% to 75%.