Travel Insurance Reviews

Traveling doesn’t come without risk. No one wants to have an accident, but sometimes they are unavoidable. So, before hitting the road look into getting travel insurance to be prepared and safe in case of an emergency. Some countries don’t even allow tourists to enter without verification of travel insurance.

To help you decide, here our top reviews for travel insurance companies below.

1. WorldNomads

This company provides travelers with excellent travel insurance, as well as safety advice. All of which are guaranteed to improve your traveling experience.

As far as credibility goes, WorldNomads has a reputation as a well-known and trusted brand. They provide insurance for many sizable companies, like Tour Rader, Lonely Planet, Intrepid, etc. So, don’t think twice about choosing the Nomad travel insurance.

Pros Of WorldNomads Travel Insurance

• Online quote generator
• Purchases can be made while on the road
• Online claims
• 24/7 customer service, unlimited in both plans
• Great coverage span

Types of Coverage

• Trip cancellations 
• Overseas medical & dental care
• Gear & baggage 
• Electronics 
• Medical repatriation
• Death overseas
• Assault & terrorist attacks

WorldNomads Types Of Travel Insurance Plans

Standard Plan

• Emergency accident & Sickness Medical Expense – $100,000
• Emergency evacuation & repatriation – $300,000
• Non-medical emergency evacuation – $25,000
• Trip cancellation & interruption – $2,500
• Trip delay – $500
• Baggage & personal effects – $1,000
• AD&D – $5,000

Explorer Plan

• Emergency accident & Sickness Medical Expense – $100,000
• Emergency evacuation & repatriation – $500,000
• Non-medical emergency evacuation – $25,000
• Trip cancellation & interruption – $10,000
• Trip delay – $1,500
• Baggage & personal effects – $3,000
• AD&D – $10,000 

2. TravelInsurance.com

The platform provides consumers with an easy-to-use plan comparison tool. In a matter of minutes, you get a detailed list describing multiple major insurance companies. The list includes everything you’d need to know – like a thorough break-down of what the policies entail, the company’s prices, and so on. This way, travelers can make an educated choice on which insurance provider is right for them.

Pros Of TravelInsurance.com

• 24 Hour Emergency Assistance
• Online claims
• Compares quotes from multiple insurance agencies

Types of Coverage

• AD&D
• Emergency evacuation
• Medical evacuation
• Emergency medical treatments
• Baggage loss or delay
• Pregnancy
• Trip interruption
• Cancellation for any reason
• Cancellation for work reasons
• Group travel
• Flight insurance
• Missed connections
• Pre-existing conditions
• Vacation rental

Since it’s an aggregator platform, TravelInsurance.com doesn’t have any plans of their own. However, we reviewed some of the best insurance providers they partner with.

3. Allianz

It’s owned by Allianz SE, the world’s largest diversified insurance corporation. The company’s underwritten by BCS Insurance Company. Since its launch back in 1890, Allianz has been collaborating with thousands of hotels, airlines, and travel agents.

When it comes to plans, Allianz is never short of options. This insurance company provides travelers with ten robust plans to choose from. They’re divided into three categories: single trip, multi-trip, and rental car insurance. We compiled a list of the top three plans. You can find the others on Allianz’s website.

Pros Of Allianz Travel Insurance

• Online claims
• Multitude of plans
• Free family coverage
• 24/7 support hotline

Types of Coverage

• Trip cancellation & interruption
• Accident and Sickness Medical Expenses   
• Emergency Evacuation, Medically Necessary Repatriation
• Repatriation of Remains   
• Non-Medical Emergency Evacuation   
• Regular and Air AD&D
• Baggage and Personal Effects   
• Baggage Delay   
• Change Fee Coverage   
• Travel Delay   
• Missed Connection   
• Itinerary Change   
• Reimbursement of Miles or Rewards Points   
• Rental car damage

Types of Travel Insurance Plans By Allianz

OneTrip Basic Plan

Whether you’re traveling domestically or internationally, this plan is a perfect and economical insurance choice. Trip cancellations & interruptions are covered, as well as non-medical emergency evacuation. 

• Accident and Sickness Medical Expenses – $10,000
• Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains – $50,000
• Baggage and Personal Effects – $500
• Baggage delay – $200

OneTrip Prime

The company’s most popular plan. If you’re planning a family vacation, this is a perfect choice for you. Children accompanied by an adult get free coverage. This plan also covers 100% of costs for trip cancellations and 150% for interruptions. 

• Accident and Sickness Medical Expenses – $25,000
• Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains – $500,000
• Baggage and Personal Effects – $1,000
• Baggage delay – $300
• Change fee coverage – $500
• Travel delay – $800
• Reimbursement of miles or reward points – $500
• Missed connections & non-medical emergency evacuation – included

Allianz AllTrips Premier Plan

This is Allianz’s all-inclusive plan. This plan provides travelers with year-long worldwide travel insurance. A great feature of this plan is that customers can choose the limits which best accommodate their necessities. It provides up to $2,000 coverage for trip cancellations & interruptions. 

• Accident and Sickness Medical Expenses – $20,000
• Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains – $100,000
• AD&D – $25,000
• Baggage and Personal Effects – $1,000
• Baggage delay – $200
• Travel delay – $500
• Rental car damage – $25,000
• Missed connections, itinerary changes & non-medical emergency evacuation – included

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4. John Hancock

Since it was set in motion, it has become a leading name with a powerful reputation in the travel industry. John Hancock provides its customers with lavish coverages, versatile add-ons, and much more!

With over 150 years of experience in the field, you know that you’re in safe hands if you choose John Hancock. This is furthermore verified by all the satisfied customer reviews you can find online.

Pros Of John Hancock Travel Insurance

• Online quote generator
• 24/7 multilingual emergency travel assistance
• Upgradable plans
• Online claims

Types of Insurance Coverage

• Trip cancellation & interruption
• Airline ticket change fee
• Terrorist attack
• Trip delay (3 or more hours)
• Missed connection
• Single occupancy supplement
• Baggage and personal effects
• Baggage delay (12+ hours)
• Primary emergency medical expenses
• Emergency medical evacuation and repatriation
• Repatriation of remains
• Frequent travel loyalty
• 24/7 support
• Renters collision insurance
• Pre-existing conditions Exclusion and Waiver
• Regular and Air AD&D
• CFAR (not available to New York residents)

John Hancock provides its customers with three robust plans to choose from. Every plan includes free-of-charge terrorist attack coverage, 24-hour assistance, and a single occupancy supplement. The prices start at $24 per trip and go up respectively to their plans.

The Bronze Plan

This package is appropriate for economy travelers since it provides them with low-cost coverages. It reimburses the customers 100% of trip cancellation costs, as well as 125% of trip interruption costs (there’s a $12,500 maximum).

• Airline Ticket Change Fee – $200 (certain conditions apply)
• Trip delay – $500 ($150 a day)
• Missed connection – $200
• Baggage and personal effects – $750
• Baggage delay (minimum 12 hours) – $250
• Primary emergency accident and sickness medical expenses – $50,000 ($750 for dental)
• Emergency medical evacuation and medically necessary repatriation – $250,000
• Repatriation of remains – $250,000
• Frequent travel loyalty – $200
• Renters collision insurance – upgradable
• Pre-existing conditions Exclusion and Waiver – 60 Day Look Back 14 Day Waiver (Certain Conditions Apply)
• AD&D – $25,000 

The Silver Plan

This plan is suitable for people with a mid-sized budget since it has considerably higher limits for most expenses. It covers 100% of trip cancellation costs, as well as 150% of trip interruptions on itineraries up to 90 days.

• Airline Ticket Change Fee – $200 (certain conditions apply)
• Trip delay – $750 ($150 a day)
• Missed connection – $750
• Baggage and personal effects – $1,000
• Baggage delay (minimum 12 hours) – $500
• Primary emergency accident and sickness medical expenses – $100,000 ($750 for dental)
• Emergency medical evacuation and medically necessary repatriation – $500,000
• Repatriation of remains – $500,000
• Frequent travel loyalty – $200
• Pre-existing conditions Exclusion and Waiver – 60 Day Look Back 14 Day Waiver (Certain Conditions Apply)
• AD&D – $100,000 

The Gold Plan

The gold plan has the highest coverage limits. It’s a perfect choice for business travelers, as well as people visiting high-risk countries. With it, your trip cancellation is covered up to 100%. You can also recover 150% of your trip interruption costs up to $150,000.

• Airline Ticket Change Fee – $200 (certain conditions apply)
• Trip delay – $1,000 ($200 a day)
• Missed connection – $1,000
• Baggage and personal effects – $2,500
• Baggage delay (minimum 12 hours) – $500
• Primary emergency accident and sickness medical expenses – $250,000 ($750 for dental)
• Emergency medical evacuation and medically necessary repatriation – $1 Million
• Repatriation of remains – $1 Million
• Frequent travel loyalty – $200
• Pre-existing conditions Exclusion and Waiver – 60 Day Look Back 14 Day Waiver (Certain Conditions Apply)
• AD&D – $100,000 

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5. RoamRight

It’s owned by its parent company, Arch Capital Group, and headquartered in Maryland. RoamRight takes pride in its outstanding customer service, as well as the affordable and thorough plans they offer.

Here, you can find a myriad of different coverages to choose from. Some of them include trip cancellations & interruptions, CFAR, medical, sports coverage, and more! The company also provides free coverage for one child (under 18) per covered adult.

Pros Of RoamRight Tracel Insurance

• Trip cancellation coverage
• Online claims
• Great customer service available 24/7
• Security alerts that get sent to your phone

Types of Coverage

• Trip cancellations & interruptions
• Cancel for work reasons
• CFAR
• Emergency accidents and sickness medical expenses
• Dental
• Medical evacuation
• Security evacuation
• Regular and Air AD&D
• Sports coverage
• Collision damage waiver
• Flight insurance
• Baggage and personal effects
• Repatriation of remains

RoamRight has a husky array of plans for its customers. They provide both comprehensive and medical only policies.

The Pro Plan

Some traits of this plan include no medical deductibles and no time requirements for weather-related trip cancellation/interruptions. You get up to 100% of the trip cancellation coverages. Trip interruption coverage goes up to 150%.

• Trip Delay (6 hours minimum) – $1,000 ($200 a day)
• Missed Connection and Itinerary Change (3 hours minimum) – $500
• Baggage Delay (12 hours) – $300
• Baggage and Personal Effects – $1,000 ($250 per article, Combined limit of $500 for valuables)
• Emergency Accident and Sickness Medical Expense – $50,000, $750 for Dental, No Deductible
• Primary or Excess – excess
• Emergency Evacuation and Repatriation – $500,000 (evacuated to preferred hospital)
• Political and Security Evacuation – $100,000
• AD&D – $10,000

The Pro Plus Plan

With the Pro Plus Plan, you get almost the same coverage as with the package above. These are the differences:

• Primary or Excess – primary
• Trip Cancellation – 100% of trip cost
• Cancel For Work Reasons – 100% of trip cost
• Trip Interruption ($750 Return Air Only if $0 displayed for Trip Cancellation on Your Confirmation of Benefits.) – 150% of trip cost

Multi-Trip Annual Insurance For Trip Cancellation

This plan consists of all the great features you get with the other plans – expanded into an annual contract. It allows you to stay covered for an unlimited number of trips anywhere in the world for a whole year. Trip cancellations and interruption coverages are equal to the trip cost. Medical & Travel Assistance is included in the plan.

• Trip Delay – $1,000
• Missed Connection – $500
• Baggage Delay – $300
• Baggage & Personal Effects – $1,000
• Emergency Medical Expense – $25,000
• Evacuation and Repatriation of Remains – $250,000
• Accidental Death and Dismemberment – $25,000
• Waiver of Pre-Existing Medical Conditions Exclusion – Included
• Political & Natural Disaster Evacuation – $100,000

The Travel Medical Plan

• Accident and Sickness Medical Expense – Choice of: $50,000, $100,000, $250,000, or $500,000 (Ages 70-79: limited to $50,000; Ages 80+: limited to $10,000)
• Deductible – $250
• Dental Sublimit – $200 per tooth to a max of $1,000
• Incidental Home Country Benefit – $25,000- for a maximum of 60 days
• Extension of Benefits – $5,000 for a maximum of 30 days / $0 deductible
• Extension of Benefits Period – Within 180 days of accident or sickness
• In-Hospital Indemnity – $100/day for a maximum of 30 days (3 day waiting period)
• Unexpected Recurrence of Pre-existing Condition – $1,000
• Emergency Medical Evacuation / Repatriation – $100,000
• Return of Mortal Remains – $20,000
• Escort Expense – $10,000
• Return of Minor Child – $5,000
• Emergency Medical Reunion- $10,000
• Trip Interruption – $5,000
• Baggage and Personal Effects – $250
• AD&D – $25,000

Auto Rental Insurance Plus

The best alternative to the expensive collision damage coverage that most rental companies offer. The main requirement is that you must be traveling at least 100 miles from home.

• Rental Collision Insurance – $35,000
• Deductible – $0
• Baggage Coverage – $500

6. April International

Since its launch back in 1998, it’s built a strong reputation for itself. April prides itself as a leading brand in the industry, that provides comprehensive and quality travel plans.

Pros Of April International Travel Insurance

• 24/7 live support
• Online claims
• Quote generator

Types of Coverage

• Trip Cancellation & Interruption
• Missed Connection
• Travel Delay
• Baggage Coverage & Delay
• AD&D
• Medical and Dental
• Emergency Assistance and Transportation
• CFAR & CFBR
• Business Equipment Delay
• Sporting Equipment Delay
• Rental Car Damage

Types of Travel Insurance Plans

APRIL CHOICE PLAN

This is the company’s most popular plan. It providers travelers with comprehensive benefits that are customizable to their needs. With it, customers get 100% coverage for trip cancellations, and 150% for trip interruptions.

• Missed Connection – $500
• Travel Delay ($150 Per Person Daily Limit Applies) – $1,000
• Baggage Coverage – $500
• Baggage Delay – $200
• AD&D – Travel Accident – $10,000 ($50,000 Maximum Plan Limit)
• Medical and Dental – $50,000
• Emergency Assistance and Transportation ($10,000 Limit Applies for Companion Hospitality Expenses) – $250,000

The following coverages are optional:

• Trip Cancellation for Any Reason – 75% of Trip Cost Insured
• Trip Cancellation for Business Reasons – 100% of Trip Cost Insured
• Emergency Assistance and Transportation ($10,000 Limit Applies for Companion Hospitality Expenses) – $500,000
• Medical and Dental – $500,000
• AD&D – Travel Accident – $100,000
• Baggage Coverage – $2,000
• Business Equipment – $1,000
• Business Equipment Delay – $500
• Sporting Equipment – $1,000
• Sporting Equipment Delay – $500
• Rental Car Damage (not available to residents of Texas) – $50,000

APRIL CRUISE PLAN

• Trip Cancellation – 100% of Trip Cost 
• Insured Trip Interruption – 150% of Trip Cost 
• Insured Missed Connection $750 Travel Delay – ($250 Per Person Daily Limit Applies) $1,000 
• Trip Inconvenience – $250 
• Baggage Coverage – $1,500
• Baggage Delay – $750 
• Missed Port of Call – ($200 Per Missed Port Limit Applies) $600 
• AD&D – Travel Accident – $25,000($100,000 Maximum Plan Limit) 
• Medical and Dental – $100,000
• Emergency Assistance and Transportation ($10,000 Limit Applies for Companion Hospitality Expenses) – $250,000

Optional coverages:

• Trip Cancellation for Any Reason – 75% of Trip Cost Insured 
• Baggage Coverage – $2,500 
• Travel Delay ($250 Per Person Daily Limit Applies) – $2,500 
• Rental Car Damage (not available to residents of Texas) – $50,000($50,000 Maximum Plan Limit)

APRIL TRIP CANCELLATION PLAN

• Trip Cancellation – 100% of Trip Cost Insured
• Trip Interruption – 150% of Trip Cost
• Insured Trip Cancellation for Any Reason – 75% of Trip Cost Insured

APRIL VIP PLAN

• Trip Cancellation – 100% of Trip Cost Insured
• Trip Interruption – 175% of Trip Cost Insured
• Missed Connection – $1,000
• Travel Delay ($250 Per Person Daily Limit Applies) – $1,500
• Baggage Coverage – $2,500
• Baggage Delay – $750
• Trip Inconvenience – $500
• AD&D – Travel Accident – $50,000 ($100,000 Maximum Plan Limit)
• Air AD&D – Flight Accident – $100,000 ($200,000 Maximum Plan Limit)
• Medical and Dental – $250,000
• Emergency Assistance and Transportation ($10,000 Limit Applies for Companion Hospitality Expenses) – $1,000,000
• Rental Car Damage (not available to residents of Texas) – $50,000 ($50,000 Maximum Plan Limit)

Upgradable options:

• Trip Cancellation for Any Reason – 75% of Trip Cost Insured
• Trip Cancellation for Business Reasons – 100% of Trip Cost Insured
• Business Equipment – $2,000
• Business Equipment Delay – $1,000
• Sporting Equipment – $2,000
• Sporting Equipment Delay – $1,000

APRIL ANNUAL PLAN

• Trip Cancellation – 100% of Trip Cost Insured 
• Trip Interruption – 100% of Trip Cost Insured 
• Missed Connection – $500 
• Travel Delay ($150 Per Person Daily Limit Applies) – $750 
• Trip Inconvenience – $200 
• Baggage Coverage – $1,000 
• Baggage Delay – $200 
• AD&D – Travel Accident – $10,000 ($50,000 Maximum Plan Limit) 
• AD&D Air Flight Accident – $25,000 ($50,000 Maximum Plan Limit) 
• Medical and Dental – $50,000 
• Emergency Assistance and Transportation ($10,000 Limit Applies for Companion Hospitality Expenses) – $100,000

Optional coverages:

• Baggage Coverage – $2,500
• Baggage Delay – $500 
• Travel Delay ($250 Per Person Daily Limit Applies) – $1,500 
• Missed Port of Call ($200 Per Missed Port Limit Applies) – $600 
• Mechanical Breakdown ($200 Daily Limit Applies) – $1,000 
• Rental Car Damage (not available to residents of Texas) – $25,000

Travel Insurance Reviews – Bottom Line

When you are looking for what are the best travel insurance companies, reading reviews and details about them are the of the most important criteria. So, we hope our detailed travel insurance reviews will help you choose the right travel plan and coverage for your needs.