6 Best Flight Insurance Plans in 2025
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: December 12, 2025
Key Takeaways
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We analyzed 100+ policies and found the best flight insurance plans are offered by: John Hancock, Berkshire Hathaway, World Trips, Detour, & Travel Insured International.
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The cost of flight insurance depends on a wide range of factors, including your age, trip length, and trip cost.
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The best flight insurance plans include strong coverage for flight-specific disruptions like cancellations, flight delays, missed connections, and luggage delays.
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All flight insurance plans on Squaremouth have been carefully vetted by our expert product team and hold strong ratings from AM Best and the Better Business Bureau.
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Try our online travel insurance comparison tool to get flight insurance quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
Our Most Popular Flight Insurance Plans
After evaluating all providers and plans available on the Squaremouth marketplace, we have selected John Hancock as the best flight insurance provider in 2025. Below are our best flight insurance plan recommendations to cater to more specific benefits:
- Best Overall Flight Insurance, John Hancock – Gold
- Best Value Coverage, Berkshire Hathaway – LuxuryCare
- Best Plan for Flight Delays, Travel Insured International – Worldwide Trip Protector
- Best Plan for Missed Flights, WorldTrips – Elevate
- Best Plan for Lost Luggage, Detour Insurance – @the edge
- Best Plan for Delayed Luggage, Travel Insured International – Worldwide Trip Protector
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific criteria outlined below.
- Best Overall Flight Insurance: Over 250 sales, includes 100% trip cancellation coverage, 3-hour travel delay (any delay of a common carrier), 3-hour missed connection, baggage loss, and 6-hour baggage delay, sorted from highest to lowest number of policies sold.
- Best Value Coverage: Over 250 sales, includes 100% trip cancellation coverage, travel delay kicking in after 3-8 hours, missed connection kicking in after 3-8 hours, baggage loss, and 12-hour baggage delay, sorted by average premium from lowest to highest.
- Best Plan for Flight Delays: Over 250 sales, 3-hour delay filter selected (any delay of a common carrier), sorted by travel delay coverage from highest to lowest.
- Best Plan for Missed Flights: Over 250 sales, 3-hour delay filter selected, not cruise and tour only, sorted by missed connection coverage from highest to lowest.
- Best Plan for Lost Luggage: Over 250 sales, sorted by baggage loss coverage from highest to lowest.
- Best Plan for Delayed Luggage: Best Plan for Delayed Luggage: Over 250 sales, 3 or 6-hour delay filter selected, sorted by baggage delay coverage from highest to lowest.
The Best Flight Insurance Plans in Detail
Best Overall Flight Insurance
Medical / Med Evac Coverage
$250,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Provides Travel Delay coverage after a 3-hour delay, which is the most generous minimum delay requirement on the Squaremouth platform
Covers up to $100,000 in travel expenses, including airfare, accommodations, and excursions
Will pay you $200 if you are forced to change the date of your flights for a covered reason
Provides up to $500 in reimbursement if your luggage is delayed by at least 12 hours en route to your destination; only six plans offer greater coverage
Includes up to $1,000 in Missed Connection coverage to help cover the cost to book new travel arrangements if you miss a connecting flight
When it comes to protecting yourself against flight-specific disruptions, John Hancock’s Gold plan offers the most well-rounded coverage available on Squarmeouth. This comprehensive travel insurance plan offers among the most generous coverage limits for benefits like Travel Delay, Baggage Delay, and Missed Connection. John Hancock is especially well-known for their low minimum delay requirements. For example, while some providers require a 12-hour flight delay before providing financial protection, John Hancock offers coverage after just 3 hours. The Gold plan offers robust Trip Cancellation coverage that can cover your airfare expenses if an unexpected event forces you to cancel your trip. The plan’s medical coverage is also nothing to ignore, either, providing up to $250,000 in Primary Emergency Medical coverage and $1,000,000 in Medical Evacuation protection.
Best Value Flight Insurance
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
The most affordable travel insurance policy that also includes strong coverage against flight-related disruptions, at an average premium of $182
Includes up to $2,500 in Baggage Loss protection, an amount that only three plans on Squaremouth exceed
Offers up to $2,000 in Travel Delay coverage for flights delayed at least 5 hours, among the better reimbursement limits and delay minimums of any policy
Berkshire Hathaway is a reputable travel insurance provider that specializes in affordable, dependable coverage for any scenario. Their LuxuryCare plan offers great value if you’re concerned about flight delays or cancellations impacting your upcoming trip. It offers up to $2,000 in coverage if your flights are delayed at least 5 hours, providing a great combination of a low delay time minimum and a high reimbursement rate. LuxuryCare also offers great coverage for other aspects of your trip, including up to $100,000 in trip cost protection to safeguard your airfare expenses and up to $1,000,000 in Medical Evacuation coverage.
Best Plan for Flight Delays
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers up to $1,500 in reimbursement per person to cover the cost of meal, overnight accommodation, and transportation expenses in the event of a significant flight delay
One of three policies on Squaremouth that provides coverage for flight delays after just 3 hours, while most require a 6-12 hour delay
Features the broadest flight delay coverage, providing reimbursement for any delay of a common carrier
Travel Delay coverage is one of the most commonly claimed travel insurance benefits, providing financial reimbursement for flight delays and cancellations. Travel Insured International offers the strongest coverage of any provider in this category with their Worldwide Trip Protector plan. This popular policy features up to $1,500 in reimbursement for policyholders who are delayed at least 3 hours by a late or canceled flight. Not only is this one of the highest coverage limits for this benefit, but it is also the lowest delay requirement found on our platform. Travel Insured International’s plans also feature concierge services to all customers, which can assist in booking a hotel room if you’re delayed overnight.
Best Plan for Missed Flights
Medical / Med Evac Coverage
$250,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers the highest coverage limit for the Missed Connection benefit of any policy on Squaremouth, providing up to $2,000 in reimbursement per insured traveler
Coverage kicks in if you miss a connecting flight and are unable to get rebooked on another flight for up to 3 hours, the shortest wait time of any plan on Squaremouth
Features other generous flight-related benefits, such as up to $2,000 in reimbursement for claims relating to flight delays and baggage loss
If you’re taking a trip that involves multiple flights en route to your final destination, you may want to consider plans that offer strong Missed Connection coverage. WorldTrip’s Atlas Journey Premier plan is one of our favorites in this category because it offers the highest coverage of any plan on our platform. At up to $2,000 per person, it provides plenty of coverage if you’re required to make new travel arrangements after a previous flight delay leaves you missing a connecting flight. Unlike other plans, this coverage is not limited to just missed cruise or tour departures.
Best Plan for Lost Luggage
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 100% of trip cost
Includes up to $3,000 in Baggage Loss protection, more than any other policy on Squaremouth
Also offers the most reimbursement for lost, damaged, or stolen sports equipment that you choose to travel with
Features $750 in Baggage Delay and $5,000 Sports Equipment Delay coverage, providing reimbursement for purchasing new essentials if your items don’t arrive on time
Detour Insurance is a travel insurance company that’s built by adventurers, for adventurers. 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. Detour Insurance is one of the only providers in the nation that offers up to $3,000 in Baggage Loss coverage, which is why they’re our pick for the ‘Best Plan for Baggage Loss Protection’. This coverage also extends to customers who are traveling with their own sports equipment, which is a great perk if you’re participating in any sports or activities during your trip. One other unique highlight of @the edge’s coverage is that it offers up to $5,000 in Sports Equipment Delay coverage, which surpasses all plans available on the Squaremouth platform.
Best Plan for Delayed Luggage
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers up to $500 in Baggage Delay coverage to reimburse necessary expenses like a change of clothes or toiletries if your luggage doesn’t arrive at your destination on time
Provides coverage if your bags are delayed more than 3 hours en route to your destination, which is the shortest minimum wait time of any policy
Provides up to $1,500 in Travel Delay coverage if your flight is delayed at least 3 hours, making it one of the strongest policies for flight delay protection around
Millions of bags are mishandled every year by airlines, and more often than not, travelers don’t have time to wait at the airport for their luggage to arrive. We chose Travel Insured International’s Worldwide Trip Protector plan as the best Baggage Delay policy because it provides reimbursement after just three hours, faster than any other policy on the market. The policy’s $500 per person coverage limit also provides ample coverage to purchase a change of clothes, a toothbrush, and other necessities.
Compare Costs for the Best Flight Insurance Plans
The cost of flight insurance can vary dramatically from one provider to the next. Factors such as your age, the cost of your airfare and other trip costs, and the length of your trip can all directly impact your premiums.
Buying flight insurance directly from an airline may be convenient, but it can be expensive and often comes with limited coverage. Comparing plans from multiple travel insurance companies is the best way to find coverage that fits your specific budget.
The table below outlines estimated costs for an example weeklong trip to the United Kingdom, broken down by traveler type.
Plan |
Solo Traveler |
Couple |
Family |
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|---|---|---|---|---|
$160.00 |
$452.00 |
$852.00 |
Get Quotes | |
$145.00 |
$365.00 |
$817.00 |
Get Quotes | |
$140.00 |
$436.00 |
$436.00 |
Get Quotes | |
$120.00 |
$462.00 |
$462.00 |
Get Quotes | |
$89.00 |
$178.00 |
$355.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
As shown in the table above, flight insurance premiums differ by provider and traveler profile.
For solo travelers with low trip costs, Detour’s @the edge plan offers the most affordable coverage of all policies featured in our list. However, since the plan’s Trip Cancellation coverage caps out at $5,000, this policy is generally not recommended for more costly trips.
LuxuryCare by Berkshire Hathaway offers the best value for solo travelers and couples when you factor in the coverage and benefits that come with the plan. While it is not the most affordable plan for every scenario, it does provide generous coverage limits and exceptional customer support.
WorldTrips and Travel Insured International both offer great value for large families taking an international trip. Travel Insured International, in particular, is known for its family-friendly pricing, allowing children under the age of 18 to be covered at no additional cost.
Compare Benefits for the Top Flight Insurance Plans
When comparing flight insurance plans, it’s important to pay close attention to benefits that specifically cover flight-related disruptions. The most important flight insurance benefits are Trip Cancellation, Travel Delay, Missed Connection, and Baggage Delay.
Most flight insurance policies also provide medical protection for the duration of your trip. This coverage is essential if you’re traveling overseas to a destination that doesn’t accept U.S. health insurance.
To help you see how the top flight insurance policies compare side-by-side, we’ve created a table of coverage limits across the most common travel insurance benefits.
| John Hancock Gold |
Berkshire Hathaway LuxuryCare |
Travel Insured International Worldwide Trip Protector |
WorldTrips Elevate |
Detour Insurance @the edge |
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|---|---|---|---|---|---|
| Emergency Medical | Up to $250,000 | Up to $150,000 | Up to $100,000 | Up to $150,000 | Up to $150,000 |
| Medical Evacuation | Up to $1,000,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $1,000,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost | 100% of trip cost |
| Travel Delay | $1,000 per person after a 3-hour delay | $2,000 per person after a 12-hour delay | $1,500 per person after a 3-hour delay | $2,000 per person after a 12-hour delay | $2,000 per person after a 12-hour delay |
| Missed Connection | $1,000 per person after a 3-hour delay | $1,000 per person after a 3-hour delay | $500 per person after a 3-hour delay | $2,000 per person after a 3-hour delay | No Coverage |
| Baggage Loss | $2,500 per person | $2,500 per person | $1,000 per person | $2,000 per person | $3,000 per person |
| Baggage Delay | $500 per person after a 12-hour delay | $500 per person after a 12-hour delay | $500 per person after a 3-hour delay | $500 per person after a 12-hour delay | $750 per person after a 12-hour delay |
All of the flight insurance plans highlighted on this page are comprehensive plans that offer strong coverage against flight-specific disruptions, plus coverage for medical emergencies and evacuations.
John Hancock Gold provides the most complete flight insurance package, offering among the best coverage limits and delay minimums across the board. This is a great option if you’re looking for a well-rounded policy that protects your belongings, flight itinerary, and health while away from home.
If your top priority is protecting against trip or baggage delays, Travel Insured International’s Worldwide Trip Protector plan is an excellent choice. It offers coverage when a delay lasts 3 hours or more, compared to 12 hours for most other featured plans.
Compare Customer Satisfaction Ratings
Beyond cost and coverage, you should always consider a provider’s reputation and the level of service they offer their customers. This is key in the event you need to file a claim for reimbursement. Squaremouth hosts more than 100,000 provider reviews from verified customers to help you compare ratings.
The table below shows how each flight insurance provider is rated by their customers for pre-trip assistance, customer support during a trip, and the level of service they provide during the claims process.
| Customer Satisfaction | John Hancock | Berkshire Hathaway | Travel Insured International | WorldTrips | Detour Insurance |
|---|---|---|---|---|---|
| Overall Rating | 4.16 / 5 | 4.3 / 5 | 4.41 / 5 | 4.42 / 5 | 4.48 / 5 |
| Customer Service Before a Trip | 4.31 / 5 | 4.38 / 5 | 4.48 / 5 | 4.4 / 5 | 4.57 / 5 |
| Customer Service During a Trip | 3.67 / 5 | 3.77 / 5 | 4.08 / 5 | 4.68 / 5 | 3.55 / 5 |
| Customer Service After a Trip | 3.49 / 5 | 4.08 / 5 | 3.73 / 5 | 3.66 / 5 | 4.26 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
Detour Insurance and Travel Insured International are the two highest-rated flight insurance providers based on customer reviews. Detour Insurance, in particular, stands out for delivering the strongest pre-trip and post-trip customer support of any provider on our list.
Berkshire Hathaway is another provider on our list known for its strong customer service. It’s the only company here that maintains an average customer service rating above 4 out of 5 stars during a trip. In addition to award-winning 24/7 emergency assistance, Berkshire Hathaway is also one of the few providers that offer concierge services. These services can help with making dinner reservations, purchasing event tickets, or even booking golf tee times.
How Reliable Are The Top Flight Insurance Providers?
Our experienced product team carefully reviews and vets every single travel insurance company on Squaremouth to ensure they meet our quality standards. Each policy on our site is also backed by our Zero Complaint Guarantee to make sure all customer claims are handled with honesty and integrity.
Review the A.M. Best financial strength ratings, which assess the insurer’s ability to pay claims, and BBB ratings, which reflect how providers handle customer complaints, for each of the best flight insurance plans below.
| Reliability | John Hancock Gold |
Berkshire Hathaway LuxuryCare |
Travel Insured International Worldwide Trip Protector |
WorldTrips Elevate |
Detour Insurance @the edge |
|---|---|---|---|---|---|
| A.M. Best Rating | A (Excellent) | A++ (Superior) | A (Excellent) | A++ (Superior) | A (Excellent) |
| BBB Rating | A+ | A+ | A+ | A+ | A+ |
All flight insurance policies on Squaremouth come from dependable, financially strong providers, with an A.M. Best rating of A (Excellent) or higher. Berkshire Hathaway and WorldTrips stand out for their A++ (Superior) ratings.
Which Flight Travel Insurance Plan is Right for Me?
No two trips are the same, and the right travel insurance plan for you will depend on your specific trip details, budget, and coverage needs.
If none of the plans we highlighted on this page seem right for you, we recommend looking for additional quotes using our
travel insurance comparison tool.
- For the most well-rounded flight protection, we recommend either the Gold plan by John Hancock or Travel Insured International’s Worldwide Trip Protector. Both of these plans offer broad trip cancellation coverage to protect your travel expenses. They also both include Travel Delay coverage that kicks in after just three hours, which is the shortest minimum delay period found on Squaremouth. Both of these plans come from reputable providers that are known for exceptional support leading up to a trip. If you’re on a budget or traveling with family, Worldwide Trip Protector may be the better option due to lower premiums.
- For great value coverage, consider LuxuryCare by Berkshire Hathaway. While it is not always the least expensive option, the plan’s coverage limits, benefits, and level of support justify the added cost. Berkshire Hathaway is one of the highest-rated providers on our site for customer service during a trip, and they provide policyholders with a lot of added benefits through their unique concierge services. LuxuryCare also comes with up to $150,000 in Emergency Medical coverage, which should be more than enough to protect you and your travel companions in the event you get sick or injured during your trip. This plan is ideal if you’re a budget-conscious traveler who wants reputable, no-frills flight insurance ahead of your trips.
- If you’re taking an international trip that involves a layover or a tight connection, it’s important to find a plan that includes strong Missed Connection coverage, like Elevate from WorldTrips. This plan offers among the best Missed Connection coverage on the market, providing up to $2,000 in reimbursement if a missed flight, cruise, or tour delays your trip by more than three hours. This can help considerably in the event you need to book new travel arrangements to make it to your destination.
- This plan from Detour Insurance is ideal if you want the best protection for your baggage and personal items during your trip. @the edge includes up to $3,000 in coverage per person for lost, stolen, or damaged personal effects, the most of any plan on our platform. It will also reimburse up to $2,000 if your luggage is delayed en route to your destination by more than 12 hours. @the edge is also the most affordable plan featured on this page, and can be a great choice if you’re on a budget.
FAQs: Top Flight Insurance Plans
Do All Travel Insurance Plans Cover Flight Disruptions?
Yes, the vast majority of travel insurance policies found on Squaremouth include some form of protection against flight-related disruptions. This protection is usually found in the form of benefits like Trip Cancellation, Travel Delay, Missed Connection, and Baggage Delay.
What is the Highest-Rated Flight Insurance Company?
Based on thousands of customer reviews, Detour Insurance and Travel Insured International are the two highest-rated providers from this list of the top flight insurance companies. However, all travel insurance providers on Squaremouth must adhere to strict quality and customer service standards.
Visit our list of ’Best Travel Insurance Companies’ to view policies from other highly-rated providers.
How Do I Compare Flight Insurance Quotes?
The easiest way to compare flight insurance quotes is to review multiple plans side-by-side and look closely at how they protect you against the most common flight-related disruptions, specifically cancellations, delays, and missed connections.
To start a quote, visit our Flight Insurance page. On this page, you can enter your trip details once and instantly see plans from every major provider, making it simple to identify which options offer the strongest value for your specific itinerary.