Best Domestic Travel 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
-
Our analysis found that the best travel insurance plans for trips within the USA come from: Berkshire Hathaway Travel Protection, Tin Leg, & Seven Corners.
-
Domestic travel insurance plans can offer financial protection for cancellations, delays, baggage loss, and other common trip disruptions.
-
Some domestic travel insurance policies offer primary medical coverage to help pay for unexpected medical expenses without involving your regular healthcare provider.
-
On average, domestic travel insurance costs around $23 per day, but more affordable medical-only options are available.
-
Try our travel insurance quote tool to compare plans and prices from multiple providers at once, or speak with an agent at 1-800-240-0369 for help choosing a plan.
The Most Popular Domestic Travel Insurance Plans
After reviewing all providers and policies available on the Squaremouth marketplace, Berkshire Hathaway Travel Protection stands out as the top choice for domestic travel insurance in 2025. Below are the best domestic travel insurance plans this year, broken down by category:
- Best Overall Domestic Travel Insurance, Berkshire Hathaway – ExactCare Value
- Most Affordable Coverage, Tin Leg – Luxury
- Most Flexible Coverage Options, Seven Corners – Trip Protection Basic
- Best Plan for Families, Travel Insured International – FlexiPAX
Our list of the top domestic travel insurance plans is based on actual customer purchasing habits. These plans are among the top-selling domestic travel insurance policies on Squaremouth’s marketplace. Our team of editors reviews each plan versus competing plans on our marketplace and assigns awards to the top plan in each category.
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 travel insurance companies, business relationships, affiliates, or other external parties.
See the full criteria of our awards system below.
- Best Overall Domestic Travel Insurance: Over 250 sales, destination in the US, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 100 sales, destination in the US, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by average premium from lowest to highest.
- Most Flexible Coverage Options: Over 100 sales, destination in the US, CFAR and IFAR filters selected, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
- Best Plan for Families: Over 100 sales, destination in the US, number of travelers greater than or equal to 3, emergency medical coverage of at least $10,000, and emergency medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
The Best Domestic Travel Insurance Plans in Detail
Best Overall Domestic Travel Insurance
Medical / Med Evac Coverage
$15,000 / $150,000Cancellation / Interruption Limits
100% / 100% of trip cost
The most popular plan among domestic travelers, protecting roughly 13% of all trips within the United States insured through Squaremouth
More affordable than most comprehensive plans with comparable coverage limits, at an average price of $113, less than half the cost of the average domestic travel insurance policy
One of the five providers that includes concierge service as part of coverage package, to assist you with booking dinner reservations, arranging golf tee times, and more
Provides up to $15,000 in Emergency Medical coverage and up to $150,000 in Medical Evacuation coverage, which can help supplement existing health insurance while traveling within the U.S.
Berkshire Hathaway Travel Protection is one of the most recognized insurance brands in the United States. Their ExactCare Value policy is currently the most popular plan among domestic travelers, offering budget-friendly, no-frills coverage that’s well-suited for short-term travel. Some key highlights include up to $150,000 in Medical Evacuation coverage, up to $750 in Baggage Loss reimbursement, and broad Trip Cancellation coverage that can provide reimbursement if you cancel your trip due to significant delays, inclement weather, employment layoff, and more.
The ExactCare Value plan also offers up to $15,000 in secondary Emergency Medical coverage, which can supplement any existing health insurance in the event you get sick or injured during your covered trip.
Most Affordable Coverage
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 150% of trip cost
The most affordable comprehensive plan for domestic trips, with an average premium of just $77
Includes up to $100,000 in Primary Emergency Medical coverage and $250,000 in Medical Evacuation coverage, which is more than adequate for domestic travel
Provides up to $2,000 in coverage for flight delays that exceed 6 hours, among the highest reimbursement rates of any policy for a trip delay
You don’t need to travel first-class or stay in 5-star hotels to benefit from the protection of Tin Leg Luxury. While it does cover up to $100,000 in travel expenses, the plan also offers among the most budget-friendly comprehensive coverage you can find on Squaremouth. Some policy highlights include $100,000 in primary Emergency Medical, $2,000 in Travel Delay protection, which is generous for a relatively low-cost policy.
For greater coverage, you have the option to increase coverage limits in the plan’s medical benefits for a small fee. Add-ons like CFAR and Rental Car Damage protection are also available for purchase.
Most Flexible Coverage Options
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 100% of trip cost
Four add-ons are available during the checkout process, including Cancel for Any Reason (CFAR), Interruption For Any Reason (IFAR), Rental Car Damage Protection, and Sports Equipment Rental
With an average premium of $341, this plan is $180 less expensive than the average premium for plans with similar customization options
Covers up to $30,000 in travel expenses per insured traveler, making it a great option whether you’re budget-conscious travelers or planning a luxury trip
No two trips are identical, which is why it helps to have a policy that you can tailor to your specific travel needs. Seven Corners’ Trip Protection Basic delivers this flexibility by providing you with a wide range of optional add-ons when taking a domestic trip. Notable additions include CFAR and IFAR, which can provide further protection for your prepaid, non-refundable travel expenses in the event you need to cancel or disrupt your travel plans due to an uncovered reason. The policy’s optional Rental Car Damage Protection and Sports Equipment Rental coverage can also protect you from expenses related to damage done to rented property used during your domestic vacation.
In addition to these flexible benefits, Trip Protection Basic also offers well-rounded coverage, such as $100,000 Emergency Medical coverage, $250,000 Emergency Medical coverage, and 100% trip cost protection in the event of a covered cancellation.
Best Plan for Families
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
One of five policies that offers ‘Free Coverage for Kids’ pricing, allowing you to protect your family’s trips for less
Allows you to enhance coverage before purchase through add-ons and upgrade bundles, such as increasing Emergency Medical coverage from $100,000 to $500,000
One of the few policies on Squaremouth that allows you to increase your Baggage Loss protection, with coverage limits reaching $2,500 per person
Traveling as a family can be both stressful and expensive. Travel Insured International attempts to address both of these problems with FlexiPAX. Their family-friendly pricing structure also allows for children 17 or under to receive coverage at no additional cost, which is a huge bonus if you’re planning domestic travel with your little ones. The extensive amount of add-ons and coverage upgrades available also gives you the ability to customize your plan to meet your specific travel needs.
FlexiPAX is the plan of choice for over 16% of families insuring trips within the United States, making it the most popular policy this year.
Compare Costs for the Best Domestic Travel Insurance Plans
Price plays a major role in choosing the right travel insurance plan. The good news is that premiums are, on average, about 24% lower for trips within the U.S. compared to international travel.
The cost of travel insurance can vary widely depending on your trip details, such as the number of travelers, total trip cost, and coverage limits you select. Domestic trips are generally cheaper and shorter than international vacations, resulting in lower premiums.
To help you get a clearer idea of what to expect, we’ve used Squaremouth’s comparison platform to create sample quotes for the top domestic travel insurance plans in 2025. The table below shows ballpark costs for a weeklong domestic trip, broken down by traveler type.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$31.00 |
$64.00 |
$141.00 |
Get Quotes | |
$59.00 |
$122.00 |
$268.00 |
Get Quotes | |
$80.00 |
$214.00 |
$374.00 |
Get Quotes | |
$91.08 |
$200.00 |
$200.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile taking a trip within the United States. The actual price you pay will vary depending on your age, trip length, state of residence, and more. These prices are for example purposes only. For exact pricing, get a quote using your unique trip details.
From the table above, it’s clear to see that Berkshire Hathaway’s ExactCare Value plan consistently offers the lowest pricing across all traveler profiles. Berkshire Hathaway’s budget-friendly premium is a big reason why the plan is so popular among Squaremouth users planning trips within the United States.
While FlexiPAX may be the priciest option for solo travelers, it becomes one of the most cost-effective choices for families. This is thanks to its family-friendly pricing structure that includes free coverage for children under 18.
Compare Popular Benefits for the Top Domestic Travel Insurance Plans
When shopping for coverage, the priority should always be to find a domestic travel insurance policy that offers the best protection for your specific trip. Price is only part of the equation.
From medical benefits to baggage protection, it’s essential to review the specific travel insurance benefits each plan includes. To help, we highlight the most popular benefits you should consider when taking a domestic trip in the table below.
| Berkshire Hathaway Travel Protection ExactCare Value |
Tin Leg Luxury |
Seven Corners Trip Protection Basic |
Travel Insured International FlexiPAX |
|
|---|---|---|---|---|
| Emergency Medical | Up to $15,000 | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| Medical Evacuation | Up to $150,000 | Up to $250,000 | Up to $250,000 | Up to $500,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 100% of trip cost | 150% of trip cost | 100% of trip cost | 150% of trip cost |
| Travel Delay | $500 per person after a 12-hour delay | $2,000 per person after a 6-hour delay | $600 per person after a 6-hour delay | $1,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay | $500 per person after a 3-hour delay | (Cruise and tour only) $500 per person after a 3-hour delay | $500 per person after a 3-hour delay |
| Baggage Loss | $750 per person | $500 per person | $500 per person | $750 per person |
| Baggage Delay | $200 per person after a 24-hour delay | $200 per person after a 24-hour delay | $500 per person after a 6-hour delay | $300 per person after a 6-hour delay |
Berkshire Hathaway offers the most affordable coverage, but it also comes with the lowest medical coverage of all the top-rated domestic plans. This may not be a major drawback if you have primary health insurance that covers you within the USA. However, if you don’t have health insurance, this is an important factor to consider.
If you need higher medical limits, Travel Insured International’s FlexiPAX policy is a stronger choice. It offers generous medical benefits, particularly for evacuations, making it a valuable option if you’re heading to national parks or remote areas where access to medical facilities may be limited.
If you’re traveling across the country or your trip involves multiple layovers, then trip delay protection may be a valuable benefit to consider. In that case, Tin Leg Luxury provides the strongest financial protection if significant delays impact your travel itinerary.
Compare Customer Satisfaction Ratings for These Top Providers
The customer experience that travel insurance companies provide can make a big difference when you file a claim or need assistance during your trip. To give you a quick overview, we reveal average customer satisfaction ratings for each of the top domestic travel insurance providers listed above.
These scores reflect how real Squaremouth customers rate their experience with each company when it comes to factors such as customer support and claims handling.
| Customer Satisfaction | Berkshire Hathaway Travel Protection | Tin Leg | Seven Corners | Travel Insured International |
|---|---|---|---|---|
| Overall Rating | 4.3 / 5 | 4.5 / 5 | 4.4 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.4 / 5 | 4.6 / 5 | 4.5 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 3.8 / 5 | 4.1 / 5 | 3.9 / 5 | 4.1 / 5 |
| Customer Service After a Trip | 4.0 / 5 | 4.1 / 5 | 3.5 / 5 | 3.7 / 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.
As shown in the table above, Tin Leg offers among the best customer support before, during, and after a trip. It’s no surprise that they are one of the highest-rated travel insurance companies on the entire Squaremouth platform.
Providers tend to get the lowest scores for the assistance they provide after trips. This is likely due to poor feedback from customers who did not receive the desired outcome when submitting their claim. This appears to be the case with Seven Corners, which has the lowest score in this category despite being well-known for offering robust coverage.
For a deeper dive into what customers are saying, you can visit our reviews pages, where we break down ratings and share detailed feedback for every insurer on our marketplace.
How Reliable Are The Top Domestic Travel Insurance Providers?
Our expert product team carefully vets every travel insurance company that we list on Squaremouth to ensure reliability and is backed by our Zero Complaint Guarantee.
When comparing travel insurance plans, the two most common measures of reliability are 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.
| Reliability | Berkshire Hathaway Travel Protection ExactCare Value |
Tin Leg Luxury |
Seven Corners Trip Protection Basic |
Travel Insured International FlexiPAX |
|---|---|---|---|---|
| A.M. Best Rating | A++ (Superior) | A++ (Superior) | A (Excellent) | A (Excellent) |
| BBB Rating | A+ | A++ | A+ | A+ |
As you can tell from the table, every domestic trip insurance plan we list on this page comes from a reputable, reliable travel insurance company. These insurers also have a track record of responding to customer complaints promptly, which shows that they will handle claims seriously and resolve them fairly.
Which Domestic Travel Insurance Plan is Right For Me?
All of these domestic travel insurance plans offer strong protection against common trip disruptions and are backed by reputable providers. However, the perfect plan for you may still be out there. Use your trip details to compare quotes on Squaremouth and find the right coverage for your next domestic getaway.
- If you’re on a tight budget, Berkshire Hathaway’s ExactCare Value plan is a strong choice. It offers some of the lowest premiums available while still providing solid protection against common disruptions on a domestic trip. While this plan comes with lower medical coverage limits than other featured policies, it may be sufficient for short trips or low-risk itineraries. Medical coverage may not be a primary concern for you if you’re already protected by your existing health insurance. However, if higher medical limits are important to you, Tin Leg Luxury is another affordable option worth considering.
- If you’re traveling as a family, consider FlexiPAX by Travel Insured International. It combines well-rounded trip protection with a “Kids Covered Free” pricing structure, making it an excellent value if you want strong coverage while traveling with family members under the age of 18. Family trips can be unpredictable, but FlexiPAX allows you to customize your coverage with add-ons and policy upgrades, ensuring you’re prepared for whatever disruptions may come your way.
- If you’re taking an expensive trip, Tin Leg Luxury offers strong reimbursement protection for your travel expenses. To be specific, this policy covers up to $100,000 in prepaid, non-refundable trip costs per person, which is designed to cover expenses like first-class flights, extended hotel stays, or luxury cruise bookings. Other key features include up to $100,000 of Emergency Medical coverage and up to $2,000 of Travel Delay protection. All of this coverage comes at a relatively low cost, making it a great value plan for any domestic or international trip.
- If you want customizable coverage, consider Seven Corners’ Basic plan or Travel Insured International’s FlexiPAX option. Both of these policies give you multiple ways to enhance your coverage through popular add-ons like Cancel for Any Reason, Interruption for Any Reason, and Rental Car Damage protection. Plans that provide high levels of customization empower you to essentially build a policy that best meets your travel needs and trip demands. FlexiPAX also offers policy upgrades that allow you to increase coverage limits for select benefits for an additional fee.
FAQs: Top Domestic Travel Insurance Plans
How Much Does Domestic Travel Insurance Cost?
The average cost of travel insurance for a trip within the United States is roughly $245.
Travel insurance premiums depend on a variety of different factors, such as your age, trip length, coverage needs, total trip costs and the type of policy you choose.
As a rule of thumb, comprehensive travel insurance policies will cost 4-10% of the prepaid, non-refundable travel expenses you choose to insure.
Domestic travel insurance is often less expensive than international travel insurance. This is mostly due to generally lower travel expenses and a lower demand for travel medical insurance.
Do I Need Travel Insurance for Domestic Travel?
Domestic travel insurance is designed to offer financial protection against unexpected events like lengthy flight delays, trip cancellations and trip interruptions, medical emergencies, and lost luggage. While it may not be a requirement for your trip, purchasing a policy before you depart can allow you to travel with peace of mind.
We’d recommend travel insurance if the following scenarios apply:
- Taking a Long Trip: Traveling for longer periods of time leaves you more vulnerable to unexpected disruptions that result in out-of-pocket financial loss.
- Taking an Expensive Trip: The more you spend on travel, the more you stand to lose if you’re forced to cancel your plans.
- No Existing Medical Insurance: Travel insurance can cover unforeseen medical emergencies that occur during your trip.
- Want Peace of Mind: If you’re concerned about delays, cancellations, and other disruptions impacting your vacation, travel insurance can ease your mind and allow you to travel with confidence. Every provider also offers 24-hour emergency assistance services in the event you need to arrange coverage during your trip.
Not everyone needs travel insurance coverage, and it may not be necessary for your upcoming domestic adventure. Specifically, you may not need travel insurance if the following apply:
- Have Health Insurance: If you have healthcare through Medicare, Medicaid, or an employer-sponsored plan, you may not need additional medical coverage through travel insurance.
- Have Existing Travel Protection: Some credit cards now offer various travel protection benefits to members, which may offer suitable coverage for your trip.
- Taking a Short or Inexpensive Trip: Not all trips require travel insurance, especially those that are short or do not involve large travel expenses.
If you have questions or want to know if it is a worthy investment to buy domestic travel insurance for your trip, we’re here to help. Contact our award-winning customer service department at 1-800-240-0369, available daily from 8 AM to 10 PM EST.
Which Domestic Plans Cover Pre-Existing Medical Conditions?
Out of the plans we feature on this page, Berkshire Hathaway ExactCare Value, Tin Leg Luxury, and Travel Insured International FlexiPAX all provide pre-existing condition coverage. Plans that offer this protection can provide reimbursement if a flare-up of an existing health issue disrupts your trip.
To qualify for pre-existing condition coverage, you must meet certain eligibility requirements. You can find a full list of these requirements and plans that offer this coverage on our Pre-Existing Condition benefit page.
Is Primary or Secondary Medical Insurance Better for Domestic Travel?
In general, primary medical coverage is the better option as it can pay for medical expenses directly, without requiring you to first file a claim with your regular health insurance.
Plans that offer primary insurance are generally faster at reimbursing medical claims, too. However, if you have good health insurance within the U.S., you may be okay opting for secondary coverage, as your standard health insurance will likely cover you. This is an easy way to save money on your domestic travel insurance policy.
Regarding the plans on our list, both Tin Leg Luxury and Travel Insured International FlexiPAX offer primary Emergency Medical coverage, whereas Berkshire Hathaway ExactCare Value and Seven Corners Basic both offer secondary coverage.
Read our recent article for a full breakdown of the difference between primary and secondary travel insurance coverage.
Which Domestic Travel Insurance Plans Cover Rental Cars?
All of the best travel insurance plans we feature on this page offer rental car coverage as an optional upgrade.
Many U.S. travelers rely on rental cars when taking a domestic trip. If you don’t have rental coverage through your car insurance policy, you may want to consider a travel insurance policy that provides this protection for peace of mind.
You can find a full list of plans that include this coverage at no additional cost on our Rental Car Damage benefit page.
Which Domestic Travel Insurance Plans Cover Adventure Sports?
All policies we list on this page cover basic adventure sports and activities, but certain limitations apply. Participating in high-risk activities or competitive sports will likely require specialized coverage.
To find coverage for your specific adventure itinerary, we recommend visiting our Adventure Sports page and selecting all of the activities you plan to pursue during your trip. You can also apply activity-specific filters to your results when comparing quotes on Squaremouth.
You can also visit our Best Adventure Travel Insurance page to find the top policies specifically designed to cover adventure trips.