Best Travel Insurance for International Travel in 2023
International trips account for roughly 90% of all policies sold on Squaremouth. These trips typically come with increased costs, risks, and concerns for travelers. As they go into their long-anticipated international trip, many travelers are looking for ways to protect themselves from the unexpected.
With hundreds of travel insurance policies to choose from, finding the best plan for your next vacation can be overwhelming. To help inform your search, we’ve ranked the best international travel insurance plans based on several factors, including total sales, average premium price, and benefits offered. No matter the destination, Squaremouth can help you choose a policy that’s right for you.
Best International Travel Insurance in 2023
- Best Overall International Travel Insurance
- Most Affordable International Travel Insurance
- Best International Travel Medical Insurance
- Best International CFAR Insurance
- Best Overall International Travel Insurance
- Trawick International
- Comprehensive Trip Cancellation coverage at an affordable price
- Worldwide 24/7 Emergency Assistance Services
- Generous Money-Back Guarantee period
Trawick International plans are consistently among the most popular travel insurance policies for globetrotters. They offer various trip protection options that fit most budgets, each with generous coverage limits. Most policies include benefits for the most common concerns of international travelers, such as Trip Cancellation, Travel Delay, and Emergency Medical coverage, among others.
- Seven Corners
- Voted one of the ‘Best Travel Insurance Companies’ by Forbes
- Offers several benefit upgrades including Cancel For Any Reason
- Generous Missed Connection and Travel Delay reimbursement
International travelers love Seven Corners because their comprehensive policies offer competitive coverage and affordable prices. The average premium for Seven Corners policies is roughly $260, which is $10 cheaper than the average policy found on Squaremouth. Travelers can enhance their policy with Cancel for Any Reason and Trip Interruption for Any Reason benefits for added flexibility.
- Tin Leg
- Offers policy options that fit most travel budgets
- Award-winning customer service and claims department
- $500+ Baggage & Personal Items Loss coverage per traveler
Tin Leg uses industry data and expertise to create policies that meet the needs of today’s international travelers. Travelers can choose from various plans, all offering comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits. If you need assistance during your trip, Tin Leg’s award-winning, 24-Hour customer service department will be at your assistance.
- Most Affordable International Travel Insurance
- GeoBlue
- Comprehensive portfolio of international health insurance plans
- Emergency Medical plans ranging from $50,000 to $1,000,000 in coverage
- 24/7 Emergency Assistance department
GeoBlue is known for offering strong medical policies at very affordable prices. With premiums averaging just $50 per traveler, their policies offer Emergency Medical coverage up to $1,000,000 and Medical Evacuation coverage up to $500,000. Certain policies offered by GeoBlue also cover pre-existing conditions. Customers heading out on international vacations benefit from GeoBlue’s extensive global network of medical partners.
- WorldTrips
- Comprehensive policies with Trip Cancellation and Trip Interruption benefits
- Coverage for delays longer than five hours
- AM Best's Rating of A++ (highest possible rating)
With over 25 years in business, WorldTrips specializes in offering affordable travel insurance policies for international trips. Policies average $86 per traveler and include comprehensive benefits that include cancellation, delay, and medical coverage. WorldTrips offers a generous Missed Connection benefit, which reimburses travelers if a 3+ hour delay causes them to miss a connecting flight.
- Travel Insured International
- Inclusive plans with Travel, Medical, and Baggage Protection
- Offers benefit upgrades including Cancel for Any Reason and Medical Expense Upgrade
- Family-friendly plans include Kids are Free coverage
Travel Insured International is a popular provider among international travelers because they offer comprehensive policies at a lower price. At the average premium of $90 per traveler, policyholders receive popular travel benefits ranging Trip Cancellation to Medical Evacuation. In addition to optional policy upgrades, Travel Insured International also offers strong Job Loss Protection in all plans.
- Best International Travel Medical Insurance
- Seven Corners
- Primary and secondary travel medical insurance plans
- Emergency Medical coverage ranging from $1,000 to $1,000,000
- Medical Evacuation plans starting at $100,000 in coverage
Seven Corners began offering travel medical insurance to the international travel community more than 30 years ago. Since then, they have become one of the most trusted names in the industry. On Squaremouth, Seven Corners offers 10 different policies, many of which meet or exceed Squaremouth’s coverage recommendations for international travel. Sports and activities are covered under Seven Corners policies, but limitations and exclusions may apply.
- Trawick International
- Up to $1,000,000 in Emergency Medical Coverage
- Extensive worldwide healthcare network
- 15 policies to choose from, each with varying degrees of medical coverage
When medical emergencies occur while traveling abroad, it helps to know you’re in good hands. Trawick is a globally recognized travel insurance provider, and has a reputation for its extensive global network of physicians. With many policies to choose from, they offer plans that can fit most trip types and budgets. For those taking remote trips, Trawick has policies that provide up to $2,000,000 per person in Medical Evacuation coverage. Many of Trawick’s policies meet Squaremouth’s minimum medical coverage recommendations of $50,000 in Emergency Medical and $100,000 in Medical Evacuation coverage.
- Tin Leg
- Policies with an AM Best's Rating of A++
- Emergency Medical coverage ranging from $20,000 to $500,000
- Most plans offer Pre-Existing Condition coverage
Tin Leg’s policies are consistently among the most popular medical insurance plans for international travelers. Starting with their Economy plan, customers can get basic medical, delay, and cancellation coverage at an affordable price. Tin Leg’s popular Gold plan offers $500,000 in primary Emergency Medical and Medical Evacuation coverage, far exceeding Squaremouth’s international coverage recommendations. Almost all of Tin Leg’s travel insurance policies also offer coverage for Sports & Activities.
- Best International Cancel For Any Reason Insurance
- Seven Corners
- Cancel for Any Reason can be added to most policies
- Cancel for COVID-19 Sickness included in Trip Cancellation
- Trip Cancellation coverage offers reimbursement up to 100%
No travel plans are set in stone, and when travelers need to cancel their trip, it helps to have a travel insurance policy that offers flexibility and generous cancellation coverage. Seven Corners is one of the most popular providers for international travelers searching for a policy with the Cancel for Any Reason upgrade.
- Tin Leg
- Cancel for Any Reason is an optional upgrade with most policies
- Offers up to 75% reimbursement for CFAR cancellations
- Comprehensive benefits including medical and delay coverage
Because travel is often unpredictable, Cancel for Any Reason provides travelers a layer of protection if they need to cancel their plans for an uncovered reason. Tin Leg has a handful of policies that offer CFAR as an optional upgrade. With the upgrade, customers can cancel their trip and receive up to 75% of all prepaid, nonrefundable trip costs, such as flights and hotel stays.
- John Hancock Insurance Agency, Inc.
- Cancel for any Reason Coverage upgrade available to eligible travelers
- Customer service and claims support is available 24/7
- Only 3 hours of trip delay needed for an insurance payout
John Hancock Insurance Agency is one of the leading providers for customers wanting a policy with the Cancel For Any Reason benefit. Cancel For Any Reason can be added to their Bronze, Silver, or Gold plans, and can reimburse travelers that use the benefit up to 75% of their prepaid, nonrefundable trip costs.
What Benefits Does the Best International Travel Insurance Include?
Roughly 9 out of 10 policies purchased on Squaremouth are made by travelers heading to an international destination. With added costs and risks involved, these travelers could stand to lose the most if their trip is disrupted for reasons out of their control. For this reason, it’s important to understand the various benefits offered by providers and how they can be applied to your upcoming trip.
Fortunately, comparing insurance benefit levels, prices, and exclusions is easier now than ever before. When browsing for travel insurance for your international trip, you should consider the following benefits.
- Trip Cancellation: Over 70% of travelers who purchase travel insurance buy a policy that includes Trip Cancellation insurance. This protection helps recover up to 100% of a traveler’s nonrefundable trip costs if they are forced to cancel due to a covered emergency, such as an illness, injury, or severe weather, among other reasons. Travelers should purchase insurance to cover their prepaid and non-refundable trip costs, including flights, hotel stays, and excursions.
- Trip Interruption: Emergencies can happen when you are on vacation. Trip Interruption benefits can help you cover the costs of returning home early for a covered reason. Most plans offer coverage between 100% and 150% of the insured trip cost.
- Emergency Medical Coverage: Most health insurance and Medicare policies won’t offer coverage overseas. With medical coverage through a travel insurance policy, travelers may be reimbursed for costs related to treatment overseas, such as hospital bills, x-rays, ambulance services, and lab costs. We recommend having at least $50,000 in Emergency Medical coverage for most international trips, but more coverage may be suggested depending on the destination and itinerary.
- Medical Evacuation: In the event of a true medical emergency, a doctor may order a traveler to be transported to another medical facility or return home to receive treatment. Medical Evacuation insurance can cover these transportation costs, which can easily rise to tens of thousands of dollars. For most international destinations, we recommend travelers carry $100,000 in Medical Evacuation coverage.
- Travel Delay: If a traveler’s flight is delayed, the Travel Delay benefit will cover food and accommodation expenses throughout the duration of the delay. To be eligible, the delay must meet the minimum amount of time outlined in the policy details, typically 3-12 hours.
- Missed Connection: Airline and railway delays can happen at any time, causing travelers to miss their connecting flights. Missed Connection coverage can help reimburse travelers the costs to catch up to their trip and make it to their destination.
- Hurricane & Weather: If a flight is significantly delayed or canceled due to severe weather, Hurricane & Weather coverage can help travelers recover non-refundable costs and pay for a return trip home. In order for this benefit to cover a trip, travelers must purchase their insurance plan before a storm is named and meet a minimum delay requirement.
- Baggage Delay: Luggage can get lost anytime it’s checked, whether it is on an airplane or aboard a cruise ship. Baggage Delay benefits may help travelers pay for emergency replacement items, including clothes and personal items, if their bags are lost for an extended period of time.
- Cancel for Any Reason: Cancel For Any Reason benefits helps travelers recover a portion of their non-refundable costs if they decide not to go for most uncovered reasons.
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