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With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.
Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.
Thursday, February 2nd
SquareMouth will impress you in many ways: you can get travel insurance quotes from over 30 different insurers, and you'll benefit from reading thousands of customer reviews on each company and on specific policies. This is also a great way to shop around for annual/multi-trip coverage. With over 100 plans to choose from, this comparison site puts the industry's best travel insurance coverage at your fingertips with a few clicks of the mouse.
At first, Insure My Trip looks like your average travel insurance comparison site: enter your information and get a quote from one of 20+ insurers. However, this company takes service to a whole different level with their Anytime Advocates program: if you need to file a claim, IMT's team will help you do it correctly - and they'll intervene if the insurer gives you any trouble. Over 20,000 customers have given Insure My Trip a five-star rating, and they earn high marks in our review.
Travel Insurance lets you compare quotes from 15 insurance providers with one simple form. You'll love how easy it is to see which policies give you the coverage you need, and what other customers think of the insurance company. We're also glad to see that Travel Insurance has started going to bat for clients who have trouble with claims, intervening on their behalf with the insurers. You won't find any multi-trip policies here, but we still think this is a comparison site that holds its own against the competition.
Travelex Insurance Services offers the basic and expanded trip coverage you're used to, insuring travelers for more than 25 years. However, they have a number of options you won't see with other providers, like a $60 flat-rate policy for trips of up to 14 days within the US and post-departure medical coverage. This company gets good feedback when claims are made, and both an "A+" and accreditation from the BBB. Travelex is well worth considering to protect your next adventure.
The RoamRight brand has only been around for 10 years, but its parent company (Arch Insurance) has been protecting travelers for over 50 years. There are six different travel insurance plans on offer here, including single-and multi-trip, post-departure, travel medical, and rental car coverage. Most customers appreciate the experience they have with RoamRight and say that the claims process goes smoothly. There are a few slight drawbacks here, but nothing that's enough to pass on RoamRight if their policy gives you the coverage you need.
Is there travel insurance for people who want to work remotely from around the world? Insured Nomads says "yes" . While you can also get an affordable, traditional policy here, this company has numerous options that can cover extended travel, multiple trips within a year, and also long-term medical insurance abroad. It's still too new for Insured Nomads to have much feedback from clients, but what we've seen so far is very encouraging and we invite you to see if their coverage is right for your travel plans.
Allianz Travel insures more than 55 million people annually, from families taking their once-a-year vacation to business executives crisscrossing the globe year-round. The company has 10 different policies to choose from, including a standalone car rental plan. Most policyholders making claims say that the reimbursement process goes smoothly with Allianz, though some experience long delays. While you'll get a wider range of travel insurance options with some rival companies, Allianz can be trusted to get the job done.
QuoteWright can quote you a travel insurance policy from one of a dozen insurers, most of which you'll find reviewed separately here. They guarantee that you won't find a lower price on the same policy anywhere else. This company has a perfect score with the BBB, but there's not much customer feedback to consider. QuoteWright isn't a bad option for getting travel insurance, but there are other referral services we prefer.
Travel Guard is frequently recommended by travel agents as the best option for insurance. But, with only three main policy choices and some disappointing experiences related by customers, this insurer just doesn't keep up with its competitors in the travel insurance industry. There are other big names (and even small ones) you'll be able to count on to protect your trip, and we recommend leaving Travel Guard as a backup.
Seven Corners has been insuring travelers for almost three decades. There's an appealing variety of insurance types here, from traditional single-trip plans to multi-trip, student travel, and even health plans for visitors coming to the US. However, client feedback is very mixed when it's time to make a claim: some people get everything processed quickly, while others wait for months on end just for a progress update, let alone a reimbursement. We'd suggest looking at your other travel insurance options before selecting a Seven Corners plan.
From the name, it's easy to guess that World Nomads is geared towards globetrotters: remote workers signing on from the beach or the mountains, backpackers taking that once-in-a-lifetime adventure, and so on. In theory, that's fantastic - but in practice, customers say that they couldn't count on World Nomads to deliver when it was time to make a claim. We recommend that you look at other sources of non-traditional travel insurance before getting a policy through World Nomads.
Trying to get a policy from Travel Insurance Center is frustrating at best. The site doesn't always work as expected, and even if you find a policy you like, you'll still have the hassle of filling out your information all over again on the insurer's website. If you want a better option for comparing travel insurance policies, check out the higher-ranked services in our review and leave Travel Insurance Center aside.
Axa is not a company that we can recommend for travel insurance. Their policies are very limited and don't give you as much for your premiums as rival providers. Almost every client that leaves a review for this company gives them the lowest possible rating of just one star - and we do too. You're unlikely to get your claims approved if you get your travel insurance from Axa, so we recommend you look elsewhere for coverage.
And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.
What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.
Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:
To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!
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