Best Travel Insurance Companies Overseas for 2025

While preparing for an international trip, it is vital to find a reputable insurer. We compared the leading brands offering policies for global travel. After studying their terms and conditions, plans, user feedback, and unique features, we drew our conclusions and created a list of the top travel insurers.

Travelex

When reviewing Travelex Insurance, we compared it to other providers. One of the main advantages is the broad coverage at a standard rate. In fact, the basic policy costs $65 for 18 days, which is slightly above average, but covers medical bills, travel interruptions, baggage loss, and emergency evacuation. Also, you can additionally add coverage for sports, pregnancy, or valuables.

Medical evacuation deserves special attention – Travelex covers up to $1 million for transportation back home or hospitalization overseas. This is above the market average (usually $250,000—$500,000). Users confirm the effectiveness of this option: one tourist on Reddit shares how an emergency evacuation from Spain was organized after breaking their leg.

However, like any other service, it has its downsides: high cost for lengthy travels and limited protection for existing health issues without supplements. It’s particularly important to keep this in mind for older travelers.

Compared to Allianz, AXA, and World Nomads, Travelex offers a better balance between quality and coverage. Allianz has cheaper but less medical coverage. AXA limits assistance in the U.S. and Canada, and World Nomads is weaker in urgent care.

We liked that Travelex regularly updates its service, introduces mobile solutions, and partners with a network of healthcare facilities worldwide. This makes the insurance a solid choice for those who value stability and real help abroad.

Seven Corners

We recommend Seven Corners for its reliable and affordable policies with fundamental coverage. If you compare it to some other providers like Travelex, its policies are often cheaper, especially for longer trips. And the level of medical protection remains higher. But in case you choose Seven Corners, just keep in mind that they have fewer options if you want to change something in particular.

What many customers like about this provider is the Travel Basic package, which covers medical bills up to $50,000 and medevac up to $250,000. Still, if you’re planning a trip to countries with high medical costs, such as the U.S. or Canada, RoundTrip — with a healthcare plan up to $1 million and medevac up to $500,000 – is more appropriate.

We particularly enjoyed that Seven Corners includes insurance for canceled travel, baggage loss, and flight delays. There’s also insurance for chronic or pre-existing conditions if you get the policy in time.

We also found out that the customer service is available 24 hours a day. This means you can always get help to call a doctor or arrange a transfer to the hospital.

WorldTrips

If you are looking for a company that will not let you down in a difficult situation, but at the same time will not hit your pocket, pay attention to WorldTrips. We chose it for our detailed review because it offers an interesting balance between cost, coverage, and flexibility. In our estimation, it’s one of the most favourable options for families, retirees, and those taking long-term trips.

After exploring the website, we learned that WorldTrips’ programs feature transparent terms and a good level of protection. We highlighted the Safe Travels Explorer package, which includes medical protection up to $500,000, medevac up to $1 million, trip termination, flight delay, and baggage loss insurance. We also found the additional options interesting. You can add Cancel For Any Reason (CFAR) with a refund of up to 75% of the cost of the trip, above the market average.

Interruption For Any Reason (CFAR) is also available with a refund of up to 150% of the cost of re-routing or returning home early. This is rare in the market, according to our observations.

We also recommend this insurer for people with chronic conditions: it is possible to insure previously diagnosed illnesses, if it is done on time, and without additional premiums.

Allianz Travel

We were attracted to Allianz because they offer a variety of insurance packages for a range of journey types — from short tourist tours to long business trips and family travel. One of the most popular options among tourists is Allianz Travel Classic, which includes medical coverage up to $500,000, evacuation coverage up to $250,000, canceled trips, delayed flights, and luggage loss. The cost starts at $45 per week of travel, which, in our opinion, is one of the most affordable options on the market.

After a detailed analysis, we learned that the company covers not only expensive cases, but also everyday risks. For example, the basic policy includes emergency medical and dental care abroad, which is especially important for long trips or trips to countries with high treatment costs. There is also a refund for lost or damaged luggage and personal belongings, which reduces the stress of unforeseen circumstances during flights or relocations.

Most importantly, Allianz offers flexible options, including “cancel for any reason” and coverage for previously diagnosed illnesses, which makes the insurance competitive in the market.

We analyzed user feedback as well and noted that the company shows stable performance in critical situations. On forums, there are stories about compensation for lost luggage and prompt approval of applications. However, some complain about bureaucracy when making large payments, especially if the documents are not submitted in full

Trawick International

We have included Trawick International in this list of the best travel insurance overseas, thanks to the company’s enhanced coverage of those who like the extreme.

We noticed the main feature of Trawick is a good level of medical protection. We found that the basic policy covers medical care abroad up to $100,000 and also includes emergency medical evacuation—an important advantage when traveling to countries with expensive medicine. In comparison, some competitors offer such options only in top packages.

We especially liked the fact that the insurance supports sports activities—from skiing to diving and even parachuting. This is quite rare among budget insurers, where sports are often not included in the policy.

In addition, the website says you can add a CFAR option— with it, you can get a partial refund if you call off your vacation plans for any reason. This makes the insurance safer and more convenient, in case your plans change.

IMG

While writing this article, we were looking for a provider that is suitable for both spontaneous trips and long-term travel — IMG could be a great option.

We definitely liked that IMG offers a “Cancel For Any Reason” option with up to 75% of the trip cost refunded when you have difficulties at work, and a vacation may be canceled at the last minute. We also found out that the insurance covers flight delays due to hurricanes and severe weather after a 6-hour wait, while many competitors start at 12 or even 24 hours.

We‘ve been interested in the plan for long-term travelers — iTravelInsured Lite. It covers trips up to 180 days, which, in our opinion, is rare among budget insurances. You get a full refund if you cancel your trip, and even more—up to 125%—if your trip is interrupted. This is favorable for those who plan to live “out of suitcases” for several months.

On the official website, we found information about the price of the basic plan, iTravelInsured Choice – about $115.66 for a week of travel. That’s slightly below the market average, $12 cheaper than its peers! Yes, IMG is not the most favorable option, but for this money, you get stable protection and useful features that competitors often don’t have.

Nationwide

Although Nationwide isn’t the most well-known player in the vacation insurance market, we thought it was worth including it on this list. In our opinion, the company has decent terms and conditions and operates as part of a large financial conglomerate.

According to our research of online reviews, more than 80% of customers who applied said that the procedure was easy. However, it’s worth mentioning the downside: only about 80% of travelers were satisfied with the communication during the payment process.

Nevertheless, we found out that Nationwide has an excellent advantage — good emergency cover, including evacuation home, up to £10 million. This is a serious amount and provides protection even in the most costly cases, such as serious illness or urgent return. We also learned that there is a trip cancellation or early termination insurance policy – up to £5,000 – to help cover unexpected expenses.

What we were particularly happy with this provider: if your flight is canceled or you’re stuck somewhere because of the weather, Nationwide offers alternative travel options. They’ll even help you book a new ticket at their expense (up to £5,000 ). This will definitely reduce travelers’ stress in unforeseen situations.

Berkshire Hathaway

We chose Berkshire Hathaway for this review because this program has really serious coverage with maximum protection abroad.

We would like to specifically mention the LuxuryCare plan. It has huge limits in key categories, which is something that even major insurers often lack. In fact, it provides up to $1 million for emergency evacuation and repatriation, which is especially important in case of serious illness or unforeseen circumstances abroad. What impressed us the most is that medical coverage is up to $100,000! So if you are travelling to countries with expensive health care systems, it still allows you to count on qualified medical help.

Another plus that we realized during our analysis is that a company pays back up to 100% if you cancel your travel and up to 150% if it’s interrupted. This means that you can get a significant portion of your money back if your plans do change. You can also add a CFAR option, which helps you to get a refund of up to 50% of non-refundable payments.

Faye

We decided to tell you more about Faye because it is a company that offers favorable digital insurance.

We liked the fact that you can easily add the options you need, such as luggage coverage or trip termination, and everything remains transparent. But the real surprise is the Faye mobile app, which really simplifies life. It gives travelers real-time alerts on weather, flight delays, and even political risks. You can also communicate with support 24/7 and even apply for payments right from the app, wherever you are.

We learned that Faye offers a digital payment card through which reimbursements are processed. In our opinion, this is convenient, as the money comes quickly and you don’t have to wait for paper checks.

But there are certain conditions to keep in mind. The policy can be returned only during 14 days after purchase, and if later, refusal. And most importantly, the insurance is available only to US residents, so travelers from other countries will not be able to use this option.

Travelinsurance

We added Travel Insurance to our review because it is not just an insurer, but an independent online aggregator, where you can choose policies from dozens of reliable providers.

What we liked most of all is the ability to quickly compare different programs by price and coverage without jumping between sites. On the home page, simply enter your country of travel, dates, group composition, and special needs (e.g, age or sports), and the system will instantly give you the top offers with filters by reimbursement amount, options, and reviews.

On the site, we found both basic budget plans and premium policies with maximum protection. For example, there are insurances with coverage for medical expenses up to $1 million, evacuation, CFAR, extreme sports protection, and even insurance for people who work and travel remotely. 

We also tried to add additional options right at the time of purchase, and we succeeded without any problems. We appreciated the customer support as well: the help desk is open 24/7 and available via online chat. 

Of course, TravelInsurance.com is not a direct insurance company, but an intermediary. So the price can sometimes be a little higher than on the official sites of companies. In addition, if you have a complicated situation (for example, advanced age or pre-existing conditions), we recommend reading the terms and conditions of each program more carefully, as not all policies cover them automatically.

Final Thoughts

Choosing among so many insurers, you can easily get confused and hesitate in your choice. That is why we have prepared this analysis and tried to describe in detail all the features of each company from our list of the best travel insurance overseas to guide our readers toward the best decision.

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