Best Flight Insurance Companies of 2025

From significant delays caused by inclement weather to airlines misplacing your luggage, there’s always the chance of travel disruptions before you even make it to your destination. While flying is often necessary to make it from point A to point B, it does come with its unique challenges.

Recent pilot strikes and airline staffing issues have also brought to light just how vulnerable our travel plans are to circumstances outside our control.

To limit the financial impact of flight-related setbacks, many travelers choose to purchase flight insurance before they depart for their trips. Follow along as we share the top travel insurance companies to protect your flights, and your trips, this year.

What is Flight Insurance?

Flight insurance is a type of travel insurance that’s designed to protect travelers against potential risks and financial losses associated with air travel. This can include coverage for trip cancellations, flight delays, lost or delayed baggage, and missed connections.

The majority of flight insurance plans are comprehensive, and include a wide-range of other popular insurance benefits like Trip Cancellation, Emergency Medical, and Medical Evacuation.

By purchasing flight insurance, you can gain peace of mind knowing you’re financially protected from unexpected disruptions that could otherwise derail your travel plans.

Best Flight Insurance Providers in 2025

Methodology: The providers listed in this article were chosen based on Squaremouth policy sales data and policy-specific coverage information.

Best Overall Travel Insurance

Tin Leg
  • Insurer of top-selling travel insurance policy on Squaremouth
  • Offer multiple comprehensive plans at varying coverage limits
  • Award-winning customer service and claims department
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In addition to being the most popular travel insurance provider on Squaremouth, Tin Leg is also amongst the highest rated among customers. Using industry-leading data, their policies are designed to meet the needs of travelers, providing coverage for trip cancellations, flight delays, baggage delays, and other disruptions you may encounter during transit. Their most popular plan, Gold, offers generous cancellation protection and up to $500,000 in Emergency Medical coverage, providing you with peace of mind for the duration of your adventure.

Trawick International
  • Great for Travel Delay and Baggage Delay coverage
  • Up to $250,000 in Emergency Medical coverage on select plans
  • All plans hold an ‘Excellent’ financial strength rating by AM Best
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Trawick International is consistently among the top-selling providers for both frequent globetrotters and occasional explorers. They offer a variety of policies, many of which include strong coverage for trip delays and misplaced luggage. Some Trawick International plans also boast impressive medical coverage, with their Safe Travels Armor policy providing up to $1,000,000 in Medical Evacuation protection.

Generali Global Assistance
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Generali Global Assistance is part of the Assicurazioni Generali Group, one of the world's largest insurance companies. All of the plans offered on Squaremouth provide varying degrees of coverage for flight delays, missed connections, and lost or delayed luggage. Generali’s plans also include generous Trip Interruption coverage, with their base “Standard” plan providing up to 125% reimbursement for unused trip costs in the event you need to cut your trip early and make new travel arrangements.

Best Trip Delay Travel Insurance

Travel Insured International
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Travel Insured International offers multiple comprehensive policies on Squaremouth, each with varying degrees of coverage for cancellations, delays, and medical emergencies. Their Worldwide Trip Protector plan offers arguably the best protection against delays on the marketplace. Not only is it one of the few policies on the platform that provides coverage after delays of just 3 hours (most require 6 hour delay minimums), but it also provides ample financial protection to cover expenses incurred during a delay.

Trawick International
  • Standout Plan: Safe Travels Voyager
  • Up to $3,000 in coverage per person
  • Flight must be delayed at least 6 hours
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Trawick is a favorite among Squaremouth users, in large part due to their coverage for in-demand benefits like Travel Delay. At $3,000, their Safe Travels Voyager plan provides some of the highest reimbursement limits for those whose travel itineraries are pushed back for reasons outside of their control. The benefit also kicks in after 6 hours, which is typically the norm for comprehensive travel insurance policies.

Berkshire Hathaway Travel Protection
  • Standout Plan: LuxuryCare
  • Up to $2,000 coverage per person
  • Flight must be delayed at least 5 hours
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Berkshire Hathaway Travel Protection has made a name for itself as one of the most affordable providers in the nation. Their most robust plan, LuxuryCare, is popular among travelers that want strong coverage without breaking the bank. The policy features up to $2,000 in delay coverage that kicks in for customers delayed at least 5 hours. This combination of a high reimbursement limit and below average delay minimum makes it an appealing choice for occasional and frequent flyers alike.

Best Missed Connection Travel Insurance

WorldTrips
  • Standout Plan: Atlas Journey Premier
  • Up to $2,000 coverage per person
  • Eligible if flight schedule is delayed 3 hours
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WorldTrips is a popular travel insurance provider that specializes in creating policies with strong medical protection for domestic and international travelers. However, at $2,000, their Atlas Journey Premier plan also offers the strongest protection for customers that miss a connecting flight. This could be a great option if you’re worried about short layovers or delays derailing your travel schedule.

John Hancock Insurance Agency, Inc.
  • Standout Plan: Gold
  • Up to $1,000 coverage per person
  • Eligible if flight schedule is delayed 3 hours
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Many travelers gravitate towards John Hancock travel insurance policies because of their well-rounded coverage and competitive pricing. Gold, in particular, is their strongest plan and offers exceptional protection against costly flight-related disruptions. When it comes to Missed Connection coverage, they offer the second highest reimbursement rate on Squaremouth at up to $1,000 per person.

Arch RoamRight
  • Standout Plan: Pro Plus
  • Up to $750 coverage per person
  • Eligible if flight schedule is delayed 3 hours
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Founded in 2012, Arch RoamRight is one of the nation’s fastest-growing and highest-rated travel insurance providers. Built with family travel in mind, their Pro and Pro Plus plans include coverage for one child (under the age of 18) with each insured adult. In addition, their Pro Plus plan offers up to $750 to those that miss a connecting flight for reasons outside of their control, which is among the highest offered by all travel insurance companies.

Best Baggage Loss Travel Insurance

AXA Assistance USA
  • Standout Plan: Platinum
  • Up to $3,000 in baggage loss coverage
  • $500 per item limit
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AXA Assistance USA is a long standing travel insurance provider with more than 50 years of experience protecting travelers. Their plans – Silver, Gold, and Platinum – provide increasing levels of coverage for popular benefits. For some of the best coverage you can find for your personal items, look no further than their Platinum plan. Not only does it offer among the highest overall coverage limit, but the $500 per item limit is also among the highest around.

Detour Insurance
  • Standout Plan: @the edge
  • Up to $3,000 in baggage loss coverage
  • $300 per item limit
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Detour Insurance is a travel insurance company built by adventurers, for adventurers. Their plans are designed to cover a wide-range of thrill-seeking sports and activities. However, the Baggage and Personal Loss protection they provide within both their @the edge and @the edge plus plans will appeal to all types of travelers. In fact, they are one of the only providers in the nation that offer up to $3,000 in coverage for your personal belongings within their base plan.

WorldTrips
  • Standout Plan: Elevate
  • Up to $2,500 in baggage loss coverage
  • $500 per item limit
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While WorldTrips’ Atlas Journey Premier policy earned acclaim for Missed Connection coverage earlier in this list, their Elevate plan has made a name of its own for the level of baggage loss protection it offers. With up to $2,500 in total reimbursement available for lost, damaged, or stolen items as well as a $500 per item limit, it’s hard to overlook this policy if you’re interested in insuring your belongings while away from home.

Best Baggage Delay Travel Insurance

Travel Insured International
  • Standout Plan: Worldwide Trip Protector
  • Up to $500 in coverage for delayed baggage
  • Coverage applies if bags are delayed at least 3 hours
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In addition to having the best Travel Delay reimbursement on the Squaremouth platform, Travel Insured International’s Worldwide Trip Protector plan also has some of the best coverage for Baggage Delay. While the $500 coverage limit isn’t the highest, the fact that travelers are eligible for reimbursement after just 3 hours makes it a great pick for both domestic and international travelers traveling by commercial airline.

Trawick International
  • Standout Plan: Safe Travels Voyager
  • Up to $600 in coverage per person
  • Coverage applies if bags are delayed at least 8 hours
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Trawick International is a globally recognized trip insurance company with a long history of helping travelers adventure with peace of mind. While many of their plans offer financial protection for flight-related disruptions, their Safe Travels Voyager plan is particularly great for travelers that want strong Baggage Delay coverage. Not only does the policy offer up to $600 in reimbursement per person, among the highest found on Squaremouth, but coverage kicks in if you’re forced to wait just 8 hours for your luggage to arrive.

Detour Insurance
  • Standout Plan: @the edge
  • Up to $750 in coverage for delayed baggage
  • Coverage applies if bags are delayed at least 12 hours
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Detour Insurance’s plans are built for everyone from adrenaline lovers to budget travelers. While their comprehensive policies are especially good at providing customers with peace of mind when it comes to their luggage. Not only do the plans provide above average protection against baggage loss, as noted above, but they also offer great reimbursement for travelers that are impacted by luggage delays en route to their destination.

How Much is Flight Insurance?

The cost of travel insurance, whether you’re purchasing it for a flight, cruise, or other type of adventure, is based on several risk factors.

Travel insurance companies will take into account your age, trip length, trip costs, destination, and coverage needs when determining premiums. The type of policy you choose will also impact the amount you pay for coverage.

Overall, the average travel insurance policy costs roughly $308. As a rule of thumb, a comprehensive travel insurance policy will cost between 4-10% of the prepaid, nonrefundable trip costs you choose to insure. So, for example, protecting a $5,000 trip may cost anywhere from $200 to $500.

Does Flight Insurance Cover Trip Cancellations?

Yes, the majority of flight insurance policies are comprehensive, and will cover your prepaid, non-refundable travel expenses. The most common expenses travelers choose to insure include their flight bookings, hotel reservations, rental car deposits, prepaid excursions, and other preplanned itinerary items.

If you’re looking to protect your trip investment, be sure to look for a policy that includes Trip Cancellation. This will provide up to 100% reimbursement of eligible travel expenses if you’re forced to cancel your trip for a covered reason, such as an unforeseen illness, injury, or death of a family member.

For additional cancellation coverage, you should consider policies that include the Cancel for Any Reason benefit. This optional policy upgrade provides partial reimbursement for trips cancelled for reasons not already covered by Trip Cancellation.

Should You Purchase Travel Insurance From an Airline?

No, it’s generally not recommended to purchase travel insurance from an airline, or at least not until you’ve had some time to shop around.

When booking your flights, you may have seen an option to add “travel protection” or something similar before finalizing your reservation. It’s quite common now for airlines to partner with travel insurance providers to offer customers a convenient, one-stop approach to safeguarding their travel expenses.

While the plans offered by airlines are legitimate, they’re often more expensive and provide more limited coverage than policies found by comparing multiple travel insurance providers. Using a comparison site, like Squaremouth, is the best way to find more affordable plans that offer more robust protection.

Is Flight Insurance Worth It?

Typically, yes. Flight insurance is a great way to ease your mind and protect your trip costs before heading into a trip. Considering that almost a quarter of flights in the United States are either delayed or cancelled, and millions of bags are misplaced each year, there’s always a chance that you’ll encounter a costly disruption at some point during your journey.

Travel insurance can provide reimbursement for unexpected events you encounter that result in financial loss. Best of all, it doesn’t have to be expensive. Depending on the type of coverage you need, it’s possible to find quality travel protection without breaking the bank.

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