Travel insurance is an essential aspect of any journey, offering peace of mind and financial protection in the face of unexpected events such as trip cancellations, medical emergencies, and lost luggage. With numerous travel insurance options available, selecting the right one can be a daunting task. To assist you in making an informed decision, we’ve compiled a list of the best travel insurance companies for 2023, drawing on expert reviews and customer feedback.
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Forbes Advisor’s Top Picks
Forbes Advisor, a trusted source for financial information, has identified the following travel insurance companies as the top choices for 2023:
HTH Worldwide: Great for Medical Coverage
HTH Worldwide stands out for its exceptional medical coverage. Their plans encompass medical expenses, emergency medical evacuation, and repatriation. Moreover, they provide 24/7 access to a global network of physicians and hospitals. HTH Worldwide’s offerings cater to both U.S. residents and non-U.S. residents traveling outside their home country.
Nationwide: Best for Upgrades
Nationwide excels in offering customizable upgrades. Travelers can tailor their plans with add-ons such as adventure sports coverage, rental car damage protection, and identity theft insurance. Nationwide extends its services to both U.S. residents and non-U.S. residents traveling abroad.
Seven Corners: Best Value for Robust Coverage
Seven Corners offers excellent value by providing robust coverage. Their plans include medical expense coverage, emergency medical evacuation, trip cancellation, and trip interruption insurance. Additionally, they offer 24/7 travel assistance services, ensuring peace of mind throughout your journey. Seven Corners welcomes both U.S. residents and non-U.S. residents traveling internationally.
Travel Insured International: Best for Non-Medical Evacuation
Travel Insured International specializes in non-medical evacuation coverage. Their plans encompass trip cancellation, trip interruption, and non-medical evacuation due to political unrest or natural disasters. Like other top providers, they offer 24/7 travel assistance services and cater to both U.S. residents and non-U.S. residents traveling abroad.
TravelSafe: Best for Missed Connection Coverage
TravelSafe is renowned for its missed connection coverage. Their plans include trip cancellation, trip interruption, and coverage for missed connections caused by airline delays or cancellations. TravelSafe also offers 24/7 travel assistance services and extends its services to both U.S. residents and non-U.S. residents traveling internationally.
WorldTrips: Great for Add-On Coverages
WorldTrips stands out for its customizable add-on coverages. Travelers can enhance their plans with options like adventure sports coverage, rental car damage protection, and identity theft insurance. WorldTrips welcomes both U.S. residents and non-U.S. residents traveling outside their home country.
AXA Assistance USA: Best for Baggage and Personal Effects Coverage
AXA Assistance USA excels in baggage and personal effects coverage. Their plans protect against lost or stolen baggage, as well as personal belongings like laptops and cameras. Additionally, they provide 24/7 travel assistance services and cater to both U.S. residents and non-U.S. residents traveling abroad.
Cat 70: Great for Parents
Cat 70 is an excellent choice for parents traveling with children under the age of 18. Their plans cover medical expenses, emergency medical evacuation, trip cancellation, and trip interruption for families traveling together. Like other top providers, Cat 70 offers 24/7 travel assistance services and welcomes both U.S. residents and non-U.S. residents traveling internationally.
Generali Global Assistance: Great for Pre-Existing Medical Condition Coverage
Generali Global Assistance specializes in coverage for pre-existing medical conditions, provided you purchase the plan within a specified number of days after your initial trip deposit (usually 14-21 days). Their plans also include 24/7 travel assistance services and are available to both U.S. residents and non-U.S. residents traveling outside their home country.
IMG: Great for Dog Owners
IMG is an ideal choice for dog owners who wish to travel with their pets. They offer pet insurance policies that cover unexpected veterinary expenses while you’re away from home.
NerdWallet’s Top Picks
NerdWallet, a trusted financial resource, has selected the following travel insurance companies as the best for 2023:
Allianz Global Assistance
Allianz Global Assistance offers a wide range of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include 24/7 travel assistance services.
Travelex Insurance Services
Travelex Insurance Services provides various travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include 24/7 travel assistance services.
World Nomads
World Nomads offers a variety of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for adventure sports.
John Hancock
John Hancock offers diverse travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include 24/7 travel assistance services.
IMG
IMG offers a range of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for pre-existing conditions.
Which?’s Top Picks
Which?, a reputable consumer advocacy group, has identified the following travel insurance companies as the best for 2023:
Staysure
Staysure is Which?’s top pick for 2023. They offer a range of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for pre-existing conditions.
Saga
Saga is another top pick for 2023. They provide a variety of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for pre-existing conditions.
LV
LV is another top pick for 2023. They offer a range of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for pre-existing conditions.
InsureandGo
InsureandGo is another top pick for 2023. They offer a range of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for pre-existing conditions.
AA
AA is another top pick for 2023. They provide a range of travel insurance policies covering medical expenses, emergency medical evacuation, trip cancellation, and trip interruption. Their policies also include coverage for pre-existing conditions.
Conclusion
Choosing the right travel insurance policy is crucial for ensuring a worry-free journey. By considering the top picks from Forbes Advisor, NerdWallet, and Which?, you can make an informed decision and embark on your travels with confidence.
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