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8 best options for travel insurance in 2025

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  Published in Travel and Leisure on Wednesday, November 5th 2025 at 16:57 GMT by Business Insider

The Ultimate Guide to Choosing the Best Travel Insurance: What Business Insider Found

When a trip is on the horizon, the first thought that pops into mind is usually the itinerary, the flights, and the accommodations. Yet for a truly worry‑free adventure, a solid travel insurance policy is a must. Business Insider’s recent deep dive into the world of travel insurance brands highlighted how a handful of companies consistently deliver the most reliable coverage, value, and customer service. Here’s what the article revealed, broken down into key take‑aways and a detailed look at each top provider.

Why Travel Insurance Really Matters

1. Unexpected Emergencies – From sudden illness to accidental injuries, the cost of medical treatment abroad can be staggering. A good policy covers both hospitalization and out‑patient care.
2. Trip Cancellations and Interruptions – Flights get delayed, hotels overbook, or family emergencies arise. Insurance protects non‑refundable expenses.
3. Lost or Stolen Belongings – Whether it’s a suitcase, electronics, or a passport, loss or theft can derail your vacation.
4. 24/7 Assistance – A dedicated hotline that connects you to a local team can be life‑saving when you’re in a foreign country.

With these points in mind, Business Insider sifted through dozens of policies and ultimately spotlighted the following four providers as the most dependable options for most travelers.

1. Allianz Travel

Coverage Highlights

• Medical & Emergency Evacuation – Up to $5 million per person, with an option to upgrade to $10 million for high‑risk regions.
• Trip Cancellation & Interruption – Covers prepaid expenses up to the policy limit.
• Baggage & Personal Effects – Up to $3,000 per person for lost, stolen, or damaged items.
• 24/7 Global Assistance – Multilingual support available 24 hours a day.

Strengths

Allianz’s brand recognition is a huge advantage. Their policy options are flexible, with a “TravelFlex” plan that adds extra coverage for adventure activities such as scuba diving and skiing. The insurer also offers “Allianz Travel’s Global Health” which extends coverage to those with pre‑existing conditions (subject to specific exclusions).

Pricing & Value

Pricing ranges from $50 to $150 per trip, depending on trip length, destination, and coverage limits. Although not the cheapest, Allianz provides the best balance of cost, coverage, and worldwide reputation.

2. Travel Guard (A AIG Brand)

Coverage Highlights

• Medical & Emergency Evacuation – Up to $5 million per person, with optional “Enhanced” coverage to $10 million.
• Trip Protection – Includes cancellation, interruption, and missed connection benefits.
• Baggage – Up to $3,000 per person.
• Adventure Sports – Coverage for high‑risk activities such as mountaineering, rafting, and more.

Strengths

Travel Guard’s standout feature is its “Trip Protection” module, which protects you if you have to cancel due to unforeseen circumstances like illness or a natural disaster. The insurer also offers a “Worldwide Medical” plan that extends coverage to pre‑existing conditions under certain circumstances.

Pricing & Value

The base policy starts at around $45 per trip for a 7‑day vacation, scaling up with trip length. Many travelers find Travel Guard’s price to be very competitive, especially when the “Adventure Sports” add‑on is required.

3. World Nomads

Coverage Highlights

• Medical & Emergency Evacuation – Up to $2 million per person, with a “World Nomads Plus” that pushes this limit to $5 million.
• Trip Protection – Covers cancellation, interruption, and missed connections.
• Baggage – Up to $2,500 per person.
• Adventure Activities – Extensive coverage for trekking, cycling, white‑water rafting, and more.

Strengths

World Nomads is a favorite among backpackers and adventure travelers. Its “Flexi” coverage lets you add extra coverage at the point of purchase or anytime before you depart—ideal for those who decide to extend or alter their plans mid‑trip. The company also offers “Health‑Plus” that adds an extra $25,000 for medical expenses outside the U.S.

Pricing & Value

A standard policy costs between $30 and $70 per trip. The lower entry price, combined with the breadth of adventure coverage, makes World Nomads a compelling choice for budget travelers who don’t want to sacrifice protection.

4. Travelex Insurance

Coverage Highlights

• Medical & Evacuation – Up to $2 million per person, upgradeable to $5 million.
• Trip Protection – Covers cancellations, interruptions, and missed connections.
• Lost / Stolen Items – Up to $2,000 per person.
• 24/7 Customer Support – Dedicated travel assistance.

Strengths

Travelex has a unique selling point: it offers “Travel Protection” in conjunction with the company’s extensive travel products—such as flights, hotel bookings, and tour packages—via a partnership with major travel agencies. That means you can bundle your travel insurance with other travel services for a potential discount. Travelex also runs a “Travel Rewards” program that can lead to free or discounted future insurance.

Pricing & Value

The average policy costs around $35–$60 for a typical 10‑day trip. Travelex’s main advantage is the bundling discount, which can save travelers a significant amount if they book flights or hotels through the company’s network.

How Business Insider Evaluated Each Policy

The Insider team used a rigorous methodology that involved:

1. Feature Comparison – All four insurers were compared on essential criteria: medical coverage limits, evacuation cost, baggage protection, trip cancellation, and special activity coverage.
2. Customer Experience – The team examined claims process speed, ease of filing claims, and overall customer satisfaction scores.
3. Pricing Transparency – Evaluated how clear the price breakdown was and whether hidden fees were present.
4. Flexibility – How well the policy allowed travelers to customize coverage for adventure sports, pre‑existing conditions, and extended stays.
5. Global Reach – Assessed 24/7 support availability and the geographic scope of coverage.

After scoring each insurer on these dimensions, Allianz Travel emerged as the overall champion for its comprehensive coverage and global reputation. Travel Guard ranked second, closely followed by World Nomads and Travelex.

Bottom‑Line Recommendation

• For High‑Risk, Adventure‑Heavy Trips – World Nomads offers the best value and flexibility for activities like trekking, white‑water rafting, and scuba diving.
• For Premium Medical Coverage and a Trusted Name – Allianz Travel is the gold standard, especially for travelers heading to remote or high‑risk regions.
• For Budget Travelers Seeking Good Value – Travel Guard and Travelex both provide solid coverage at a lower price point, with Travel Guard offering a slight edge in medical limits.

No matter which insurer you choose, the key to a great travel insurance policy is understanding what each plan covers and ensuring it aligns with your itinerary, destination, and risk tolerance.

Final Thoughts

The pandemic underscored how unpredictable travel can be. With the rise in medical costs abroad and the ever‑present risk of sudden trip changes, a robust insurance plan is no longer optional—it's essential. Business Insider’s research points to a handful of reliable providers that deliver the protection most travelers need while keeping costs reasonable. Armed with this knowledge, you can finally book that dream trip, secure in the knowledge that your insurance will have your back, wherever the road takes you.