Travel insurance company reviews
By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 24 September 2026
I have read every one of these policies. Here is who I would buy from, and who I would skip. Three companies get most of the business on CoverTrip: Travel Insured International, Tin Leg and IMG. All three are good. Tin Leg is the value pick. Travel Insured and IMG are the ones to look at for cruises and big trips abroad.
Every company sold here is priced side by side in the comparison, at the same price as buying direct. The insurer pays us a commission when you buy. It does not change what you pay, and it does not decide the rating.
Quick picks
How we rate
Ratings are out of 5 and they are ours. They come from the policy wording, the plan limits, the price against the rest of the comparison, and what our readers report when they claim. Nobody pays for a rating. The order below is not a rating: it is the share of policies CoverTrip buyers actually chose from July to September 2026, out of 1,314 policies. It is what people picked when every plan was priced side by side.
The companies our buyers choose
Example prices are for two travelers, 65 and 63, on an $8,000, 10-day trip to Italy in February 2027, bought within a week of the first deposit. Quoted on our comparison on 24 September 2026. Your price will be different.
Travel Insured International
★★★★★5 / 5Best for cruises and big trips abroad
One plan, FlexiPAX, that you build up with add-ons. Cancellation pays 100 percent of the trip cost, interruption pays 150 percent, and the medical is primary, so it pays first.
Limits: FlexiPAX: $100,000 primary medical, $500,000 evacuation. Cancel for any reason is an optional add-on.
Good for, and skip it if
Good for
- $100,000 primary medical and $500,000 evacuation
- Interruption pays 150 percent of the trip cost
- Add cancel for any reason, interruption for any reason or rental car cover only if you want them
Skip it if
- The add-ons cost extra, so the example price is the base plan only
- One plan only, so there is no budget tier
Tin Leg
★★★★★5 / 5Best value
Nine plans that cover almost every budget, and the lowest average price of the top three. Cancellation is 100 percent on every plan. The catch is picking the right one.
Limits: Gold $500,000 primary medical. Silver $250,000 medical and $1,000,000 evacuation. Luxury adds 75 percent cancel for any reason.
Good for, and skip it if
Good for
- Lowest average price among the companies our buyers choose
- Gold carries $500,000 of primary medical
- Cancel for any reason on the upper tiers
Skip it if
- Economy is not for trips abroad: $20,000 medical, no waiver
- Massachusetts residents get a different Gold with no emergency medical benefit, so check the plan details
- Nine plans is a lot to choose from
IMG
Review comingMost bought company on CoverTrip this year
One in four CoverTrip buyers picked IMG this summer. Our full review is coming. Until then, see it priced for your trip next to the others.
Limits: Choice: $100,000 primary medical, $500,000 evacuation.
Seven Corners
★★★★★5 / 5Biggest medical limits
One of the strongest plans on the market for the money, and the one to look at if a health problem abroad is your main worry.
Limits: $500,000 primary medical and $1,000,000 evacuation, with a 75 percent cancel-for-any-reason upgrade.
Good for, and skip it if
Good for
- $500,000 primary medical, the top of this list
- $1,000,000 evacuation
- Cancel for any reason pays 75 percent
Skip it if
- Basic has no pre-existing condition waiver and caps trips at $30,000 per person
- New York and Washington residents get different plans
Go Ready by Aegis (formerly APRIL)
★★★★★5 / 5Three simple plans
APRIL became Go Ready, now sold by Aegis. Three plans: Choice, Pandemic Plus and Cruise. Choice is the mid-priced pick. Its pre-existing condition waiver is an add-on, so tick that box if you need it.
Limits: Choice: $50,000 primary medical, $250,000 evacuation. The pre-existing condition waiver is an add-on.
Good for, and skip it if
Good for
- Three plans, easy to tell apart
- Pre-existing condition waiver available as an add-on on Choice
Skip it if
- Choice carries $50,000 medical, on the low side for a trip abroad
- No cancel for any reason on Choice
- Still sold under the APRIL name on some sites
Trawick International
★★★★½4.5 / 514-day waiver window
Solid plans for most trips abroad, with a 14-day window for the pre-existing condition waiver.
Limits: Pathway Plus $100,000 primary medical, $350,000 evacuation.
Good for, and skip it if
Good for
- $100,000 primary medical and $350,000 evacuation on Pathway Plus
- 14-day waiver window
Skip it if
- Pathway Essential is not for trips abroad: $25,000 medical, no waiver
- No cancel for any reason on Premium for New York residents
Generali
★★★★4 / 5Buy on deposit day
A solid mid-range plan. The pre-existing condition waiver on Premium has a 24-hour window from final payment, so buy it the day you pay.
Limits: Preferred: $150,000 secondary medical, $500,000 evacuation.
Good for, and skip it if
Good for
- Preferred is a well-priced mid-range plan
Skip it if
- Waiver window is 24 hours from final payment, Premium only
- Cancel for any reason must be bought within a day of the first deposit
Berkshire Hathaway Travel Protection
★★★½3.5 / 5Fixed, fast payouts for delays
ExactCare pays fixed amounts for delays, missed connections and lost bags, fast, without receipts. Good for frequent flyers. Not built for medical abroad.
Good for, and skip it if
Good for
- Fixed payouts for delays and bags, no receipts
Skip it if
- ExactCare and ExactCare Value carry $50,000 and $15,000 medical, too little for a trip abroad
- Cancel for any reason only on LuxuryCare, at 50 percent, trips up to $10,000
Travelex
★★★★½4.5 / 5Kids free on Ultimate
One child 17 and under travels free per adult on Ultimate. A good family pick for a trip abroad.
Limits: Ultimate: $250,000 primary medical, $1,000,000 evacuation.
Good for, and skip it if
Good for
- One child free per adult on Ultimate
Skip it if
- Essential and Advantage cap cancellation at $10,000 per person and carry no waiver
Reviewed, but not sold on CoverTrip
We reviewed these because people ask about them. They are not on the comparison, so we earn nothing if you buy them.
TravelSafe
★★★★4 / 5Three plans, no clutter, from a company around since 1971. You cannot see plan limits without running a quote, and it is not on the comparison.
Read the review →Travel Guard
★★★½3.5 / 5One child 17 and under is free per paying adult. Preferred and Essential carry only $50,000 and $15,000 medical, which is thin for a trip abroad. Not sold on CoverTrip.
Read the review →Allianz
★★★3 / 5Kids 17 and under are free on Prime and Premier. Fine for a domestic trip. For a trip abroad the companies above give you more medical for the money. Not sold on CoverTrip.
Read the review →American Express
★★½2.5 / 5For experienced buyers who know exactly which limits they want. Not sold on CoverTrip.
Read the review →Questions people ask
Which travel insurance company is best?
For most trips abroad, Travel Insured International or Tin Leg. For a cruise, Travel Insured, IMG or Seven Corners. For the lowest price that still covers you properly, Tin Leg Gold.
Is a 5-star company always the right pick?
No. The right plan depends on your trip cost, your ages and where you are going. That is why the comparison prices every plan for your trip instead of one list for everyone.
Why isn't Allianz on the comparison?
Allianz sells direct and through airlines and cruise lines, not through comparison sites. We reviewed it so you can see how it stacks up. For a domestic trip with kids it is fine. For a trip abroad, the companies above give you more medical coverage for the money.
Do you make money on these reviews?
Yes, on the companies sold through the comparison. The insurer pays us a commission after you buy. The price is the same as buying direct, and the commission does not decide the rating.
See every company priced for your trip
Enter your trip once. Every plan comes back side by side, priced for your dates and ages. Same price as buying direct.
See Plans & PricesBuyer shares and average premiums are from CoverTrip policies sold 1 July to 23 September 2026 (1,314 policies). They change over time and we refresh them each quarter. Example prices come from a live quote on our comparison on 24 September 2026 and will differ for your trip.