Best Travel Medical Insurance Plans of 2025
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: December 2, 2025
Key Takeaways
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After analyzing over 100 plans, we found that the best travel medical insurance plans come from Seven Corners, Travel Insured International, Tin Leg, & Blue Cross Blue Shield.
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The plans on this list can cover you for unexpected medical expenses, such as ambulance rides, hospital visits, prescription medications, treatment, & even emergency evacuations back to the United States.
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Most U.S. health insurance is not accepted abroad, so travel medical insurance is highly recommended for international travelers.
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Data from the past 12 months shows that medical-only travel insurance costs travelers an average of $5 per day, making it well worth the investment.
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We recommend using our travel insurance quote tool to compare plans & prices from multiple providers at once, or speak with an agent at 1-800-240-0369.
The Most Popular Travel Medical Insurance Plans
After evaluating all plans and providers sold on Squaremouth’s marketplace, Seven Corners stands out as offering the most robust travel medical insurance in 2025. Below are our top travel medical insurance plan recommendations to cater to more specific coverage types:
- Strongest Coverage Overall, Seven Corners – Trip Protection Choice
- Great Value for the Money, Tin Leg – Gold
- Comprehensive Coverage on a Budget , Travel Insured International – FlexiPAX
- Best for Supplementing U.S. Health Insurance Abroad, Blue Cross Blue Shield Global Solutions -
Single Trip Platinum excl US
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 highlight is given to the top-selling plans that meet the specific criteria outlined below.
All Plans met the following criteria:
Plans sorted by most frequently purchased by customers over the past year, trip cost insured equal to $0, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $500,000.
Our team reviewed the policy details for each plan to highlight relevant criteria for each relative to the other.
The Best Travel Medical Insurance Plans in Detail
Strongest Coverage Overall
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Accounts for roughly 12% of all travel medical policy sales, making it one of the most popular plans on Squaremouth for customers seeking medical coverage
Provides up to $500,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation protection, the strongest combination of medical coverage offered of any comprehensive policy on Squaremouth
Gives the option to protect your travel expenses through the policy’s Trip Cancellation coverage, a benefit not always offered by travel medical policies
Seven Corners Trip Protection Choice is our premium selection for the best travel medical insurance plans, thanks to its wide breadth of coverage and extremely high medical limits.
This plan can cover up to $500k of emergency medical expenses and up to a staggering $1M of medical evacuation and repatriation coverage. These limits are some of the highest in the industry and are one of the reasons this plan is so popular among Squaremouth visitors.
This plan offers primary medical coverage, so you don’t need to file a claim with your regular health insurance provider first. It can cover pre-existing conditions if you purchase the policy within 19 days of your initial trip deposit.
Apart from medical coverage, you’ll also get up to 100% and 150% of your trip costs reimbursed for trip cancellations and trip interruptions, respectively, when you opt for the comprehensive option.
This plan comes with a whole host of other benefits, but it also comes out as the most expensive plan on our list. This plan is great for people who want all the bells and whistles and don’t mind paying a bit more for it.
Most Affordable Travel Medical Insurance
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Customers spend just $50 on average for coverage, less than half of the average premium among all travel medical policies listed on Squaremouth
Provides up to $500,000 in Primary Emergency Medical coverage, among the highest coverage limit of any travel insurance plan and 5 times more than our recommended minimum
Covers 250+ adventure activities, including popular sports like skiing, surfing, hiking, and scuba diving, making this plan great for adventurous travelers
Tin Leg Gold is Squaremouth’s proprietary travel insurance plan, built to offer comprehensive protection with all travelers in mind. This plan is a great middle-of-the-road option that offers a whopping $500k of emergency medical coverage and $500k of medevac and repatriation coverage. In addition to these high limits, this plan offers up to 100% and 150% of your trip costs, respectively, when you opt for the comprehensive plan.
Pre-existing medical coverage is included when you purchase a policy within 14 days of your initial deposit. The primary medical coverage means that you may get speedier claims, as this policy doesn’t require you to file with your regular health insurance first. Coverage is available in and outside of the United States. Despite offering five times the amount of medical coverage as the FlexiPAX plan, Tin Leg Gold is known for its affordability and offering strong value for the money. This plan can also offer coverage for certain less risky adventure sports like golf and snorkeling.
Ultimately, if you are looking for high medical coverage limits at a reasonable price, this plan is a great option.
Comprehensive Coverage on a Budget
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers the options of medical-only coverage or comprehensive coverage
Offers primary coverage within the United States or abroad
Covers pre-existing conditions if purchased within 21 days of initial trip deposit
The FlexiPAX plan from Travel Insured International is one of the top-selling plans on Squaremouth thanks to its solid coverage limits and affordable pricing.
Unlike the GeoBlue Voyager Choice plan, which is purely a medical-only policy, the FlexiPAX plan can be purchased as a medical-only plan or a comprehensive plan. This plan offers a solid $100k of emergency medical coverage and up to $500k of medevac coverage. If you opt for the comprehensive option, you’ll also get trip cancellation and trip interruption reimbursement for up to 100% and 150% of your trip costs, respectively.
This plan can cover you both in and outside of the USA, and can cover pre-existing medical conditions when purchased within 21 days of your initial trip deposit, and opting for comprehensive coverage for the entire cost of your trip.
This plan is a great choice for travelers looking for budget-friendly medical protection with comprehensive coverage. While it lacks high medical coverage limits, depending on your destination and your unique risk factors $100k could be enough. If you plan to travel to a country with expensive healthcare, or have pre-existing conditions that could flare up, or other risk factors, you may want to consider a plan with higher coverage.
Great for Supplementing U.S. Health Insurance Abroad
Medical / Med Evac Coverage
$50,000 / $500,000Cancellation / Interruption Limits
None / $1,000 for Return Airfare
True Medical Insurance plan backed by Blue Cross Blue Shield
- Offers secondary medical coverage only for trips outside the United States
Covers pre-existing conditions if you are enrolled in a primary U.S. health insurance plan
Blue Cross Blue Shield’s Single Trip Platinum plan can cover up to $50k of medical coverage and up to $500K for emergency medical evacuations and repatriations. You’ll also get access to 24/7 phone, web, mobile, and telemedicine support, as well as quick access to Blue Cross Blue Shield’s network of trusted doctors and hospitals.
Unlike other plans on our list, this plan offers secondary medical coverage as it is built to work in conjunction with your normal U.S. health insurance. This means that Blue Cross Blue Shield will expect you to file any claims with your normal insurance first, then request reimbursement from Blue Cross Blue Shield for anything your main health insurance plan denied coverage for.
As with a standard health insurance plan, the Single Trip Platinum plan comes with a $250 deductible that is applied per person per trip. The Single Trip Platinum plan can cover pre-existing medical conditions as long as you are enrolled in a primary health insurance plan in the United States, regardless of whether it’s through Blue Cross Blue Shield.
Ultimately, this is strictly a medical travel insurance plan with medical-only benefits, built for people traveling outside of the United States. As such, if you fall ill during a trip, the interruption coverage only offers up to $1,000 per person to cover return airfare. That said, despite being limited in focus, it does a great job at offering medical protection.
Compare Costs for the Best Travel Medical Insurance Plans
Cost is an important factor to consider when choosing medical travel insurance.
However, cost is only part of the picture. It’s important to weigh the cost of your plans versus the benefits that are provided to ensure you get the best value for your money. Understanding the price of travel insurance within the context of the benefits offered can help you choose the best policy for your needs.
In the table below, we provided ballpark figures for each provider to help you understand:
- How much you could expect to spend on a top travel medical insurance plan
- Where each provider sits in regard to affordability versus the others
To give you a rough idea of where these plans fall for pricing, we got a sample quote for a 40-year-old traveler from California spending 8 days in Mexico, opting for medical-only coverage.
Plan |
Medical Only Coverage |
Comprehensive Coverage |
|
|---|---|---|---|
$58.00 |
$186.00 |
Get Quotes | |
$28.00 |
$130.00 |
Get Quotes | |
$27.00 |
$113.00 |
Get Quotes | |
$20.08 |
No Coverage |
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, destination, state or residence, and more. These prices are for example purposes only. For exact pricing, get a quote.
As you can see, Blue Cross Blue Shield is the cheapest option for Medical Only Coverage, but comes with imitations such as secondary coverage, a deductible, and no coverage for trips within the USA. That said, for just a few dollars more, plans like FlexiPAX, Tin Leg Gold, and Trip Protection Choice can offer robust primary medical coverage.
When it comes to comprehensive coverage, FlexiPAX is the most affordable based on this example. That said, for a few more dollars, you can get 5x the medical coverage by opting for a plan like Tin Leg Gold.
We always recommend getting a quote to see exact options and pricing for your trip parameters.
Compare Medical Benefits for the Top Plans
When choosing a travel medical insurance policy, there are many medical-related benefits to consider besides just coverage for medical expenses and evacuations.
In the table below, we’ve included some of the most common medical benefits that travel insurance has to offer, as well as details of the specific coverage offered by each of the top plans on our list.
It’s important to note that these plans all offer solid coverage in these areas listed below, which is why they make it on our list of top plans in the first place.
That said, here’s a more detailed look at the medical-related benefits from these top plans:
| Blue Cross Blue Shield Single Trip Platinum | Travel Insured International FlexiPAX | Tin Leg Gold | Seven Corners Trip Protection Choice | |
|---|---|---|---|---|
| Type of coverage | Secondary | Primary | Secondary | Secondary |
| Emergency Medical Care | $50K | $100K | $500K | $500K |
| Medical Evacuation & Repatriation | $500K | $500K | $500K | $1M |
| Cancel for Medical Reasons | Only Trip Interruption | 100% of the trip cost | 100% of the trip cost | 100% of the trip cost |
| Interruption for Medical Reasons | $1K for return airfare | 150% of the trip cost | 150% of the trip cost | 150% of the trip cost |
| Pre-existing Conditions | Covered if you have health insurance | Covered within 21 days of deposit | Covered within 14 days of deposit | Covered within 19 days of deposit |
| Covid-19 | 100% Covered | 100% Covered | 100% Covered | 100% Covered |
| Deductible | $250 | $0 | $0 | $0 |
| Extension of Coverage | No Coverage | Coverage can extend 7 days | Coverage can extend 7 days | Coverage can extend 10 days |
For more information on these benefits and how they work, have a look at our complete travel insurance benefits section.
Compare Customer Satisfaction Ratings for These Top Providers
Here is a quick breakdown of how real Squaremouth customers who purchased plans through the platform have rated each provider.
Below you can see the overall satisfaction rating, as well as ratings for the customer service received before and during their trips, as well as customer service during the claims process.
| Customer Satisfaction | Blue Cross Blue Shield Single Trip Platinum |
Travel Insured International FlexiPAX |
Tin Leg Gold |
Seven Corners Trip Protection Choice |
|---|---|---|---|---|
| Overall Rating | 4.6 stars | 4.4 stars | 4.5 stars | 4.4 stars |
| Customer Service Before Trip | 4.7 | 4.5 | 4.6 | 4.5 |
| Customer Service During Trip | 4.1 | 4.1 | 4.1 | 3.9 |
| Customer Service After Trip | 3.9 | 4.7 | 4.1 | 3.5 |
From the table above, it’s easy to see that all of the providers on our list have strong customer satisfaction ratings, with Blue Cross Blue Shield narrowly taking the win overall. That said, customers rate Blue Cross Blue Shield the second lowest for claims support, whereas Travel Insured International is rated much higher than the rest for claims support.
At the end of the day, the claims process is arguably when you want the best customer support. For more information, consult our provider ratings and reviews section.
How Reliable Are Plans From These Top Providers?
All the travel insurance plans shown on our best travel medical insurance list are reputable providers. They all boast a Better Business Bureau rating of A+, and an AM Best rating of A (excellent), or higher.
| Customer Satisfaction | Blue Cross Blue Shield Single Trip Platinum | Travel Insured International FlexiPAX | Tin Leg Gold | Seven Corners Trip Protection Choice |
|---|---|---|---|---|
| AM Best Rating | A (Excellent) | A (Excellent) | A++ (Superior) | A (Excellent) |
| BBB Rating | A+ | A+ | A+ | A+ |
When choosing a travel medical insurance plan, it’s important to ensure the provider is financially stable and has a solid track record. A great way to do this is to look at each provider’s AM Best and Better Business Bureau (BBB) ratings.
AM Best ratings show financial strength, whereas BBB ratings can give insight into customer experience and how reliable the business is. At Squaremouth, our product team actively vets and reviews travel insurance providers for financial stability before deciding to host them on our platform. In this way, we ensure that our customers have access to only the highest quality plans and providers.
For more details, check out our AM Best ratings page.
Which Plan Is Right For Me?
All of these travel medical plans made our list of the best plans because they stand out for their superior medical coverage. That said, certain plans may be better suited to certain types of travelers or destinations.
Blue Cross Blue Shield Single Trip Platinum excl US
If you care about having a travel insurance plan that is backed by a medical provider, such as Blue Cross Blue Shield, consider opting for the Single Trip Platinum plan. This plan is suitable if your destination is a nearby country outside of the United States. While Blue Cross Blue Shield offers convenient benefits like telehealth visits and a curated network of premium hospitals, the secondary coverage, lower emergency medical limits, and non-existent cancellation coverage could be a dealbreaker for some. If you are headed far overseas, prefer an insurance plan to pay the bills directly, or you have unique medical risks that may require expensive emergency medical interventions, you may want to consider other plans on our list.
Tin Leg Gold or Travel Insured International FlexiPAX
Consider either the Travel Insured International FlexiPAX or Tin Leg Gold plans if you need primary medical coverage with higher limits than Blue Cross Blue Shield but aren’t concerned about needing the absolute highest medical coverage in the industry. Both of these plans offer high enough coverage for trips to most places abroad, but the Tin Leg Gold plan may be better suited to some destinations where medical care is expensive. These plans are also fantastic options if you are interested in having a slew of other comprehensive benefits like full trip cancellation and interruption coverage.
Seven Corners Trip Protection Choice
Lastly, if you are interested in having some of the highest medical coverage in the industry, consider the Seven Corners Trip Protection Choice Plan. This plan offers the most comprehensive coverage of any plan on our list and is well-suited for luxury travelers, senior travelers who may be at a higher risk of needing medical care, and those who prefer to have all the bells and whistles included in their travel insurance plan. If you don’t mind spending more for top-quality coverage, this is a great plan to consider.
FAQs – Top Medical Trip Insurance Plans
Should I buy directly from a provider or through a comparison site?
Travel insurance plans are priced the same regardless of where you buy them. Comparison sites are helpful as they can help you quickly find plans you are eligible for that match your trip. They also let you sort and filter through plans to quickly find one that aligns with your coverage needs and price point.
That said, where you decide to buy your travel insurance plan from is at your discretion. At Squaremouth, we are committed to helping you find the right travel insurance policy for your needs, regardless of whether you buy it from us.
How do I know which plan will cover my pre-existing conditions?
You can filter by plans that only include pre-existing conditions coverage when buying travel insurance through Squaremouth. Simply get a quote, and once you are presented with plan options, use the filters found on the left sidebar to select “Pre-existing Medical”. This will filter the results to only show you plans that cover pre-existing conditions.
Which of these plans has the highest medical limits?
Seven Corners Trip Protection Choice offers the highest medical limits of any plan shown on our list of the best travel medical insurance plans. That said, there are other plans on Squaremouth’s platforms with similar benefits. $500k for Emergency Medical expenses and $1M for Medical Evacuations represent some of the highest limits in the industry.
Which plan is best if I’m traveling with expensive luggage or gear?
Of the top travel medical insurance plans on our list, Seven Corners Trip Protection Choice offers the highest limits for Baggage Delay and Baggage Loss.
That said, some plans offer slightly higher coverage that were not included on our list. Use our quote tool to explore more plans and filter by baggage loss and delay limits.