Travel insurance is a vital part of any international journey, offering protection against unexpected setbacks. Companies like Nationwide and AXA Assistance USA provide top-rated coverage options for travelers flying out of major airports such as JFK or LHR.
From medical emergencies abroad to trip cancellations and lost baggage, travel insurance can protect both your health and your wallet.
According to Business Insider, the best providers in 2025 are evaluated for comprehensive benefits, financial strength, customer satisfaction, and affordability.
Best Travel Insurance Companies in the World
The best travel insurance companies in 2025 offer robust coverage, flexibility, and excellent customer service.
Below is a detailed analysis of the top providers, evaluated for policy types, cost, and suitability for specific travel needs, such as adventure sports or preexisting medical conditions.
| Insurance Provider | Best For | Avg. Price | Trip Cancellation Coverage | AM Best Rating | Preexisting Coverage |
|---|---|---|---|---|---|
| Nationwide Travel Insurance | Overall Performance | $206 | Up to 100% or $30,000 | A- | Available |
| AXA Assistance USA | Budget-Friendly Coverage | $218 | Up to 100% | Not Listed | Limited |
| Travel Guard | Families | $171–$319 | Up to 100% | A | Moderate |
| Travel Insured International | Reputation and Claim Process | Varies | Included | A | Yes (with add-ons) |
| Tin Leg Travel Insurance | Preexisting Conditions | Varies | Up to 150% | A++ | Excellent |
| WorldTrips Travel Insurance | Digital Nomads | Varies | Up to 150% | A | Available |
| Trawick International | Value | Varies | Up to 150% | Not Listed | Yes |
| World Nomads | Adventure Travelers | Varies | Tier-based | A- | Yes (limited window) |
Nationwide Travel Insurance: Best Overall
- Rating: 4.5/5
- Average Price: $206
- AM Best Financial Strength Rating: A-
- Reimbursement Options: Up to 200%
Nationwide, headquartered in Columbus, Ohio, stands out for its comprehensive coverage and flexibility.
Its Essential plan offers trip cancellation coverage up to 100% of trip costs (or $30,000 for single-trip plans) and is accessible for travelers seeking straightforward policies.
With an AM Best Financial Strength Rating of A-, Nationwide provides reliability and bundling options with other insurance products like auto or pet insurance.
The average policy cost is $206, making it competitive for travelers departing from major hubs like Los Angeles International Airport (LAX).
Its annual plans are ideal for frequent flyers on carriers like American Airlines (AA), offering a “set it and forget it” approach.
AXA Assistance USA: Runner-Up
- Rating : 4.17/5
- Average Price : $218
- AM Best Financial Strength Rating : A-
- Reimbursement Options : Up to $1 million
AXA Assistance USA, based in Chicago, Illinois, provides generous coverage limits, including up to 150% reimbursement for trip cancellations and $1 million for medical evacuation.
With an average cost of $218, AXA is a strong choice for travelers who don’t need rental car coverage or extensive add-ons, especially those flying from airports like John F. Kennedy International Airport (JFK).
Its Insider’s Rating of 4.17/5 reflects high customer satisfaction, particularly for its primary insurance on lost luggage, making it a reliable option for international trips with airlines like Emirates (EK).
Travel Guard: Best for Families
- Rating: 3.83/5
- Average Price: $171–$319
- Deductible Options: $250
- AM Best Financial Strength Rating: A
Travel Guard, operated by AIG in Stevens Point, Wisconsin, excels for family travelers.
Its policies include free coverage for children 17 and under when traveling with a covered adult, a unique perk for families flying with Southwest Airlines (WN) from airports like Chicago O’Hare International Airport (ORD).
With an AM Best rating of A and prices ranging from $171 to $319, Travel Guard offers high medical and evacuation limits, though its $250 deductible may deter some.
Its focus on simplicity suits older travelers or those planning family vacations.
Travel Insured International: Best Reputation
- Rating: 4.33/5
- AM Best Financial Strength Rating: A
Based in Glastonbury, Connecticut, Travel Insured International earns a 4.33/5 Insider’s Rating for its reliable claims process, with some claims processed within 48 hours.
Its Deluxe and Platinum plans include child-inclusive pricing and unique add-ons like Interruption for Any Reason coverage.
With an AM Best rating of A, it’s a top pick for travelers seeking peace of mind when flying from airports like Miami International Airport (MIA) with carriers like British Airways (BA).
The company’s responsiveness to customer reviews on platforms like Squaremouth enhances its reputation.
Tin Leg Travel Insurance: Best for Preexisting Conditions
- Rating: 4.33/5
- JD Power Customer Satisfaction Rating: 874
- AM Best Financial Strength Rating: A++
Tin Leg, headquartered in St. Petersburg, Florida, is ideal for travelers with medical concerns.
Seven of its eight plans cover preexisting conditions if purchased within 15 days of the initial trip payment, earning it a 4.33/5 Insider’s Rating and an A++ AM Best rating.
With robust medical coverage, including potential COVID-19 protection, Tin Leg suits higher-risk travelers departing from hubs like San Francisco International Airport (SFO) with airlines like Alaska Airlines (AS). Its JD Power Customer Satisfaction Rating of 874 underscores its reliability.
WorldTrips Travel Insurance: Best for Digital Nomads
- Rating: 4.83/5
- AM Best Financial Strength Rating: A
WorldTrips, based in Carmel, Indiana, caters to digital nomads and students studying abroad with customizable plans and low premiums.
Its Insider’s Rating of 4.83/5 reflects strong coverage for trip cancellation (100%) and interruption (150%), with an AM Best rating of A.
Ideal for backpackers flying with low-cost carriers like Spirit Airlines (NK) from airports like Dallas/Fort Worth International Airport (DFW), WorldTrips offers flexibility but has limited coverage amounts unless customized.
Trawick International Travel Insurance: Best for Value
Trawick, also based in Carmel, Indiana, offers five plans with low premiums and high medical evacuation limits up to $1 million.
Its Travel Safe plan allows travelers to build custom policies, avoiding unnecessary coverage.
With a 4.33/5 Insider’s Rating, Trawick is perfect for budget-conscious travelers flying from airports like Seattle-Tacoma International Airport (SEA) with airlines like JetBlue Airways (B6).
Its coverage for preexisting conditions adds value for higher-risk travelers.
World Nomads Travel Insurance: Best for Adventure Travel
- Rating: 3.83/5
- AM Best Financial Strength Rating: A-
World Nomads, headquartered in Oakland, California, specializes in adventure travel, covering over 300 sports and activities like skydiving and scuba diving.
Its three-tier plans (Standard, Explorer, Epic) offer medical coverage starting at $125,000, though evacuation coverage maxes out at $700,000.
With an AM Best rating of A- and an Insider’s Rating of 3.83/5, it’s ideal for thrill-seekers flying with airlines like Qatar Airways (QR) from hubs like Denver International Airport (DEN). Policies can be purchased post-departure with a 72-hour waiting period.
How Travel Insurance Safeguards Travelers
Why Insurance Is Essential for Global Travel
Travelers today face unpredictable risks: sudden illness, natural disasters, or airline disruptions. A comprehensive policy helps minimize financial loss and logistical stress. Most insurers also offer 24/7 global support for emergencies.
Medical and Emergency Coverage
A strong travel insurance policy includes coverage for medical treatment and emergency evacuation, which is especially important in destinations with limited healthcare infrastructure. Tin Leg and WorldTrips offer reliable medical protection tailored to high-risk travelers.
Trip Cancellation and Interruption Benefits
Whether due to illness, job conflicts, or geopolitical unrest, travel plans may need to change. Companies like Nationwide and Travel Guard provide reimbursement for non-refundable expenses, while some plans allow cancellation for any reason (CFAR).
Baggage and Personal Belongings
Lost, stolen, or delayed baggage can severely impact a trip. Insurers such as AXA Assistance USA include generous coverage for lost luggage, reducing out-of-pocket costs and inconvenience.
Choosing the Right Provider
Evaluating Insurer Reputation and Service
Customer satisfaction and claims processing speed are key indicators of a good insurer. Travel Insured International, for example, is praised for processing claims within 48 hours and proactively responding to feedback.
Understand Policy Terms Before You Buy
Coverage exclusions and claim conditions can impact your benefits. Always check timelines, like how soon after booking you must purchase coverage for preexisting conditions—commonly 7 to 15 days.
Getting the Most
Know What Your Plan Covers
Before traveling, read the entire policy. Understand the steps to take during an emergency, from documentation to contacting your provider. Most major companies offer hotlines and online claim submission.
Filing Claims and Receiving Assistance
In the event of a disruption, document everything: receipts, photos, and incident reports. Contact your provider promptly. Companies like World Nomads and Travel Guard support digital claims, which speeds up the process.
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