10 Best Travel Insurance of 2026

Allianz covers more trip types than anyone else on this list. Its plan page lists five single-trip plans and four annual plans, so you can buy only cancellation cover for a domestic trip (OneTrip Cancellation Plus), only medical cover without cancellation (OneTrip Emergency Medical or AllTrips Basic), or a full package. OneTrip Prime, which Allianz calls its most popular plan, covers children 17 and under at no extra charge when they travel with a parent or grandparent, which matters for family bookings. The homepage advertises plans from $27, but that figure is the floor; your quote depends on age, trip cost and state of residence. Allianz says it helped more than 55 million people last year and offers 24/7 assistance plus the Allyz app. Plans are sold only to US residents. We compared documented features and published prices, and Allianz scored highest on breadth while staying competitive on price.

Faye is built around its app. You buy a whole-trip plan, then get flight delay and cancellation alerts, telemedicine with a network of more than 20,000 doctors, and claim filing from your phone, with approved payouts sent to your phone's wallet. Core cover includes trip cancellation and interruption, missed connections, trip delay, emergency medical and evacuation, and baggage. Add-ons cover adventure and extreme sports, cancel for any reason, vacation rental damage, pet care, rental cars and cancel for work reasons. Faye also publishes prices, which most insurers do not: from $4.36 a day for a 14-day domestic or cruise trip and $5.76 a day for international travel, so about $61 for two weeks at home. Plans are underwritten by United States Fire Insurance Company or Great American Insurance Company. The site notes that some coverage may not be available in every state.

AXA Assistance USA is the most open about price of the classic trip insurers we checked. Its homepage gives a starting price for every plan: North America Explorer from $11, Explorer Standard from $18, Worldwide Explorer from $21, Explorer Select from $26, Explorer OnTrip from $38, Explorer Elite from $52 and Cruise Explorer from $80. The single-trip plans insure up to 100% of trip cost for cancellation, and medical limits climb from $25,000 on North America Explorer to $250,000 on Select and Elite. Explorer OnTrip skips cancellation and adds $100,000 of medical cover for same-day or last-minute trips. Annual plans start at $293, but their cancellation limits are shared across all trips, from $2,500 to $10,000 per policy year. Coverage runs from age 0 to 99, though only US residents over 18 can buy. Cover is underwritten by United States Fire Insurance Company and Starr Indemnity & Liability Company.

SafetyWing is not a trip cancellation product, and it says so in its plan details. It is travel medical insurance sold like a subscription: the Essential plan costs $62.72 every 4 weeks for ages 10 to 39 and renews until you stop it, for up to 364 days at a time. You can sign up before you leave or while already abroad, which most US trip insurers do not allow. Essential has a $250,000 overall limit, evacuation up to $100,000 lifetime, lost luggage cover of $500 per item, and $5,000 toward a ticket home after a family death. It covers 180+ countries, adds up to 30 days of cover in your home country, and charges extra for US coverage. It excludes pre-existing conditions, maternity care and cancer treatment. Complete adds routine care and canceled accommodation from $177.50 a month. Prepaid trips need separate cancellation cover.

Travelex suits expensive trips. Its top Ultimate plan covers up to $50,000 in trip cancellation, $75,000 in trip interruption, $250,000 in emergency medical and $1,000,000 in evacuation, and it adds one traveler aged 17 or younger per insured adult at no extra cost, as long as the child's trip cost is no higher than the adult's. Ultimate can add cancel for any reason cover at 75% of insured trip cost, bought within 21 days of your first trip payment. Advantage drops to $10,000 cancellation and $50,000 medical, and Essential to $10,000 and $25,000, with excess rather than primary medical cover except for Connecticut residents. Travel Med Go is a post-departure plan without cancellation. Coverage only applies to trips at least 100 miles from home. Travelex does not publish prices, so we could not compare its cost.

Travel Guard offers a clear tiered lineup. Deluxe has the highest benefit limits and most coverages as standard, Preferred adds optional add-ons for most vacations, cruises and family trips, and Essential is the budget plan for domestic travel and road trips. Pack N' Go starts coverage on the day of your trip and is meant for spontaneous travel, and the Annual Plan covers several trips in a year. For long stays abroad, the Medevac Per Trip Plan provides medical and evacuation cover for up to 365 days and is pitched at Schengen visa applicants, though you have to call for a quote. Rental Vehicle Damage Coverage pays up to $35,000 or $50,000 in collision damage. Every plan includes 24/7 assistance and a 15-day look period. Coverage is limited to residents of US states and DC, and prices are only shown in a quote.

World Nomads is the specialist for adventurous trips. Its US site lists more than 250 covered activities by plan, with limits such as scuba diving to 165 feet on all plans and higher climbing altitudes on Explorer and Epic, so you can check your plans before buying. There are four US plans: Standard, Explorer, Epic and Annual. Single-trip plans can include up to seven dependents under 25 at no extra charge, but everyone must live in the same state. You can buy cover after you have left home. Explorer and Epic offer a cancel for any reason add-on that repays 50% of prepaid costs up to $5,000 or 75% up to $11,250, if you cancel at least 2 days before departure, and both have a pre-existing exclusion waiver when bought in time. Prices are only shown in a quote.

Generali keeps things simple with three plans. All of them insure 100% of trip cost for cancellation. Standard, aimed at US travel, adds 125% interruption, $1,000 baggage and $50,000 medical and dental per person. Preferred raises those to 150%, $1,500 and $150,000, and Premium, built for cruises, tours and pricier trips, to 175%, $2,000 and $250,000. Premium can cover pre-existing medical conditions if you buy it before or within 24 hours of your final trip payment, are medically able to travel, and insure all prepaid costs. Generali suggests buying when you make your first payment and adding later bookings to the same plan. The brand says it will become Redion in the new year, with the same cover and services. Prices are shown only in a quote.

IMG is known for international medical cover, and its iTravelInsured line brings that to trip protection. All three main plans insure up to 100% of trip cost for cancellation and 150% for interruption, and they include telehealth. The difference is medical depth: Choice has $100,000 medical and $500,000 evacuation per person, Travel SE raises medical to $250,000, and Travel LX gives $500,000 medical and $1,000,000 evacuation, which IMG pitches for remote and exotic destinations. Cancel for any reason can be added to LX for an extra cost, but not in New York. IMG also sells Choice Lite, Choice Plus, Travel GT and cruise variants, plus Patriot travel medical plans if you only need medical cover. That range is useful but takes longer to sort through, and prices only appear after you request one.

Ekta is the cheapest option we found, and it is a different kind of product from the US trip insurers above. It sells travel medical policies online to citizens of any country, priced per day in USD. The Start tariff covers up to $50,000 from $0.99 a day but carries a 25% deductible, so on a $1,000 hospital bill you pay $250. Gold raises cover to $150,000 from $1.75 a day with no deductible. Policies cover ages 0 to 100, arrive by email within minutes, and Ekta says they suit Schengen visa applications. A travel eSIM and 24/7 concierge are included. The tradeoffs are serious for US buyers: policies are underwritten by IC Auras Insurance LLC, licensed in the Union of Comoros, not by a US-regulated insurer, and the tariffs we checked list no cover for prepaid, nonrefundable trip costs. The site also shows a countdown discount.