5 Best International Travel Insurance Plans for 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Key Takeaways
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After analyzing top-rated plans on the Squaremouth marketplace, we found that the best options for international travel are offered by Tin Leg, WorldTrips Travel Insured International, IMG, and Seven Corners.
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Comprehensive travel insurance plans are recommended for international travel because they include coverage for the disruptions that are most likely to occur when traveling overseas, including medical emergencies, trip cancellations, travel delays, baggage coverage, and more.
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Comprehensive travel insurance for trips abroad costs an average of $30/day. If you don’t need cancellation benefits, medical-only travel coverage is available for even less if you are on a tight budget.
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Since U.S. health insurance is not accepted abroad, we recommend opting for a policy with at least $50,000 of Emergency Medical coverage and at least $100,000 of Medical Evacuation coverage.
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We recommend using 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.
The Most Popular International Travel Insurance Plans
After evaluating all policies and sales data on the Squaremouth marketplace, Tin Leg Gold is consumers’ top pick for the best international travel insurance plan for 2026. Here is a quick look at all of the top international plans by category:
- Best Overall International Travel Insurance, Tin Leg – Gold
- Most Affordable Coverage, WorldTrips – Atlas International
- Best International Medical Coverage, Seven Corners – Trip Protection Choice
- Most Customizable Coverage Options, Travel Insured International – FlexiPAX
- Most Flexible Cancellation Coverage, IMG – iTravelInsured Choice
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 International Travel Insurance: Over 1000 sales, destination not in the US, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 500 sales, destination not in the US, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by average premium from lowest to highest.
- Best International Medical Coverage: Over 500 sales, destination not in the US, primary medical filter selected, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest medical coverage limits to lowest.
- Most Customizable Coverage Options: Over 500 sales, destination not in the US, CFAR and IFAR filters selected, sorted by the highest to lowest number of policies sold.
- Most Flexible Cancellation Coverage: Over 500 sales, destination not in the US, CFAR filter selected, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest to lowest number of policies sold.
The Best International Travel Insurance Plans in Detail
Best Overall International Travel Insurance
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Accounts for more than 24% of all international policy sales, making it the most popular plan among Squaremouth customers traveling abroad
Offers up to $500,000 in primary Emergency Medical coverage, the highest of any comprehensive plan found on Squaremouth
Covers more than 250 unique sports and activities, making it a great plan if you’re participating in active or high-risk itineraries
Tin Leg’s Gold policy is our top pick for international travel insurance due to its well-rounded coverage and popularity among customers insuring trips overseas. The plan’s Trip Cancellation benefits provide 100% protection for a wide range of unexpected events, ensuring that your travel expenses are safe in the event you need to cancel all or part of your trip. With $500,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage per person, Tin Leg Gold’s medical coverage far exceeds our minimum coverage recommendation for international travel.
Similar to other Tin Leg plans, Gold offers strong protection if you plan on participating in recreational sports and adventure activities. In fact, two Tin Leg policies are listed in our Best Adventure Travel Insurance rankings.
Most Affordable Coverage
Medical / Med Evac Coverage
$50,000 / $1,000,000Cancellation / Interruption Limits
None / $10,000 policy limit of trip cost
The most affordable travel insurance policy for international trips, with an average premium of just $78
Includes $50,000 in Emergency Medical coverage, which meets our minimum coverage recommendations for overseas getaways
Features among the highest evacuation coverage on the platform, offering up to $1,000,000 in Medical Evacuation coverage and $100,000 in Non-Medical Evacuation coverage
For budget-conscious travelers, sometimes it makes sense to opt for a travel medical policy. The Atlas International plan by WorldTrips focuses on strong medical coverage limits and foregoes cancellation coverage to provide world travelers with a cost-effective way to cover medical emergencies abroad. At an average premium of just $78, this plan is roughly 75% lower than the industry average.
Despite its low cost and lack of Trip Cancellation benefits, the Atlas International policy still boasts some impressive benefits. It includes up to $1,000,000 in Medical Evacuation coverage and $100,000 in Non-Medical Evacuation coverage, which rivals many high-cost policies. It also comes standard with Trip Delay and Baggage Loss coverage.
Best International Medical Coverage
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers higher medical coverage than any other comprehensive policy on Squaremouth, with up to $500,000 in Emergency Medical and $1,000,000 in Medical Evacuation
Includes up to $20,000 for any Non-Medical Evacuation, a benefit found in less than 25% of policies on our site
Extends coverage for pre-existing medical conditions if you purchase your policy within 20 days of initial trip deposit, while the cutoff for most plans is 14 or 15 days
For more than 30 years, travelers have been turning to Seven Corners for affordable, reliable international medical insurance. We chose their Trip Protection Choice plan as the best medical option for overseas medical coverage because it offers superior Emergency Medical and Medical Evacuation protection compared to other comprehensive policies on the market.
If you’re looking for comprehensive benefits beyond just medical, this plan also provides excellent coverage for other travel disruptions, such as cancellations, flight delays, baggage delays, and missed connections.
Most Customizable Coverage Options
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
One of just five policies on Squaremouth to offer CFAR, Interruption For Any Reason (IFAR), and Rental Car Damage protection as optional add-ons, providing you with additional peace of mind while abroad
Offers multiple ‘Policy Upgrade Bundles’ that allow you to increase coverage limits for key benefits like Emergency Medical, Medical Evacuation, Baggage Loss, and Baggage Delay
Pre-Existing Condition coverage is available if you purchase the plan within 21 days of your initial trip deposit, compared to the standard 15 days that most providers offer
No two trips overseas are the same, so it helps to find a policy that allows you to adapt your coverage based on your unique itinerary. That’s why FlexiPAX is our vote for the most customizable policy to cover international trips. This popular plan from Travel Insured International offers more customization options than almost any other plan on Squaremouth, which allows you to build a plan that works best for you and your unique needs.
In addition to a wide range of add-ons, FlexiPAX is one of the very few plans that allows you to improve your personal item protection by increasing coverage limits for benefits like Emergency Medical, Medical Evacuation, Travel Delay, Baggage Loss, and Baggage Delay.
Most Flexible Cancellation Coverage
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The most popular policy among international travelers that offers CFAR and IFAR coverage, giving you the maximum amount of trip cost protection in the event of a cancellation
Covers up to $10,000 in prepaid, non-refundable travel expenses per person, making it ideal for a quick trip abroad
Generous 21-day eligibility window for optional add-ons like CFAR and IFAR, increasing your chances to qualify for additional cancellation coverage
If you’re planning an international trip with high upfront costs, choosing a plan that protects your investment is essential. IMG’s iTravelInsured Choice stands out for its exceptional cancellation flexibility, offering optional add-ons like CFAR and IFAR. When purchased, these benefits can reimburse up to 75% of your prepaid, non-refundable trip costs if you cancel or interrupt your trip for a reason not otherwise covered by the policy. This is the highest reimbursement rate available for these add-ons.
iTravelInsured Choice also includes robust coverage for medical emergencies and emergency evacuations. Combined with its strong benefits and flexibility, it’s one of our top-selling travel insurance plans among senior travelers.
What is the Average Cost of International Travel Insurance?
In 2026, the average cost of an international travel insurance policy was roughly $308. In general, comprehensive travel insurance will cost 4-10% of the total prepaid, non-refundable travel expenses you choose to insure.
The cost of travel insurance will depend a lot on your specific trip details. Providers will often consider your total trip costs, age, destination, trip length, and coverage amounts when generating a quote.
The table below outlines estimated costs for a weeklong trip to Spain, broken down by traveler type.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$152 |
$368 |
$370 |
Get Quotes | |
$7 |
$17 |
$42 |
Get Quotes | |
$169 |
$410 |
$438 |
Get Quotes | |
$135 |
$256 |
$168 |
Get Quotes | |
$90 |
$176 |
$223 |
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.
The table above reveals that WorldTrips’ Atlas International plan is the most affordable international plan by a considerable margin. This is mostly due to the fact that it’s the only plan featured on this page that doesn’t include Trip Cancellation or Trip Interruption coverage, which heavily impact premiums. This plan also offers the lowest coverage for interruptions like delays, baggage loss, and other common disruptions.
Travel Insured International’s FlexiPAX plan offers the greatest value if you’re a parent traveling abroad with young children. This is due to the plan’s generous family-friendly travel insurance pricing structure, which allows you to cover up to 9 children under the age of 18 at no additional cost. FlexiPAX also provides you with numerous ways to customize your coverage, which can be useful given the unpredictable nature of traveling with little ones.
On the other hand, Seven Corners’ Trip Protection Choice policy is the most expensive plan across all traveler types. However, this plan also provides some of the strongest travel medical coverage available on Squaremouth. You may find the higher premium worth it if you’re concerned about getting sick or injured while overseas.
Compare International Travel Insurance Benefits for the Top Plans
When planning international travel, remember that your U.S. health insurance is not typically accepted overseas. Medical care abroad can be expensive, especially if you require evacuation or repatriation services.
The CDC reports that international medical evacuations can cost more than $100,000, depending on your location and the severity of your condition. For that reason, we recommend plans with $50,000 or more in Emergency Medical coverage and at least $100,000 in Medical Evacuation coverage for overseas trips.
The best travel insurance policies will also protect against common trip disruptions such as cancellations, delays, and luggage issues. Comprehensive policies are the type of plan best suited for international trips because they offer the most robust coverage and limit your financial responsibility while away from home.
The table below shows how these policies compare side by side when it comes to coverage for in-demand benefits.
| Travel Insurance Benefit | Tin Leg Gold |
WorldTrips Atlas International |
Seven Corners Trip Protection Basic |
Travel Insured International FlexiPAX |
IMG iTravelInsured Choice |
|---|---|---|---|---|---|
| Emergency Medical | Up to $500,000 | Up to $50,000 | Up to $500,000 | Up to $100,000 | Up to $100,000 |
| Medical Evacuation | Up to $500,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $500,000 | Up to $500,000 |
| 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 | 150% of trip cost |
| Travel Delay | $500 per person after a 6-hour delay | $200 per person after a 12-hour delay | $2,000 per person after a 6-hour delay | $1,000 per person after a 6-hour delay | $2,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay | No coverage | (Cruise and tour only) $1,500 per person after a 3-hour delay | $500 per person after a 3-hour delay | (Cruise and tour only) $500 per person after a 6-hour delay |
| Baggage Loss | $500 per person | (Checked luggage only) $1,000 per person | $2,500 per person | $750 per person | $1,000 per person |
| Baggage Delay | $200 per person after a 24-hour delay | No coverage | $500 per person after a 6-hour delay | $300 per person after a 6-hour delay | $300 per person after a 6-hour delay |
As the table highlights, all of the top-rated providers on this page include high Emergency Medical and Medical Evacuation coverage limits. A clear standout in these categories, however, is Seven Corners Trip Protection Choice, which offers the highest combined medical coverage of any comprehensive plan on Squaremouth. This level of coverage isn’t always necessary, especially if you’re taking a quick trip or visiting a destination with access to quality healthcare.
All policies on this page, except for Atlas International, offer similar cancellation benefits. Strong coverage in this department is important if your trip involves numerous prepaid expenses, such as hotels, flights, cruise bookings, or tours.
If your international trip involves multiple flights or tight layovers, then Travel Delay and Missed Connection coverage should be a consideration for you when comparing plans. Of the policies we list on this page, Seven Corners’ Trip Protection Choice plan offers some of the highest reimbursement rates for delay-related disruptions.
Compare Customer Satisfaction Ratings
Traveling in a foreign country with the right provider can make all the difference. A top-rated insurer can provide crucial support during emergencies, as well as help you navigate policy-related questions.
We ask every Squaremouth customer to rate their provider at the end of each trip. These reviews can provide insight into how insurers support at each stage of their journey.
The average customer satisfaction scores for each of the top-rated international travel insurance providers can be found in the table below.
| Customer Satisfaction | Tin Leg | WorldTrips | Seven Corners | Travel Insured International | IMG |
|---|---|---|---|---|---|
| Overall Rating | 4.5 / 5 | 4.2 / 5 | 4.4 / 5 | 4.4 / 5 | 4.2 / 5 |
| Customer Service Before a Trip | 4.6 / 5 | 4.4 / 5 | 4.5 / 5 | 4.5 / 5 | 4.3 / 5 |
| Customer Service During a Trip | 4.1 / 5 | 3.7 / 5 | 3.9 / 5 | 4.1 / 5 | 3.6 / 5 |
| Customer Service After a Trip | 4.1 / 5 | 3.6 / 5 | 3.5 / 5 | 3.7 / 5 | 3.4 / 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.
While all providers on this page come highly rated, Tin Leg offers among the best customer service across the board, especially when it comes to post-trip support. Having a provider that offers a stress-free claims experience can be a huge benefit if you need to recover expenses quickly after an unexpected disruption.
If you’re planning an international trip, pay close attention to an insurer’s rating for their customer support during a trip. The best-rated plans deliver exceptional 24 Hour Emergency Assistance, including translation services, emergency cash transfers, medical referrals, and evacuation arrangements.
How Reliable Are The Top International Travel Insurance Providers?
Our expert product team carefully vets every travel insurance company that we list on our marketplace to ensure reliability. Every policy on Squaremouth is also backed by our Zero Complaint Guarantee to ensure providers handle each claim fairly and honestly.
The two most common measures of reliability for travel insurance providers 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 | Tin Leg Gold |
WorldTrips Atlas International |
Seven Corners Trip Protection Choice |
Travel Insured International FlexiPAX |
IMG iTravelInsured Choice |
|---|---|---|---|---|---|
| Underwriter | Starr Indemnity & Liability Company | TMHCC (CI) Insurance SPC Ltd. | United States Fire Insurance Company | United States Fire Insurance Company | SiriusPoint America Insurance Company |
| A.M. Best Rating | A (Excellent) | A++ (Superior) | A (Excellent) | A (Excellent) | A- (Excellent) |
| BBB Rating | A+ | A+ | A+ | A+ | A+ |
As shown in the table, little separates the top international trip insurance companies in terms of reliability. All are highly regarded by third-party organizations that oversee insurance operations. You can confidently buy from any of these providers, knowing your coverage is backed by a company that is financially strong and responsive to customer complaints.
Which International Travel Insurance Plan is Right For Me?
Any of the options discussed on this page can be trusted ahead of your international trip. However, the best plan for you will depend on your travel plans, coverage needs, and concerns.
If none of the plans on this page provide the coverage you need, we recommend using your trip details to find additional quotes on Squaremouth.
Tin Leg – Gold: Best for High-Risk & Adventure Travel Protection
Tin Leg is well-known for its adventure-related coverage. Their Gold plan covers more than 250 unique sports and activities, which is ideal if you plan on participating in thrill-seeking activities that are typically not covered by standard travel insurance. Purchasing a plan that offers coverage for specific items on your itinerary ensures you’re covered if an accident occurs. Tin Leg Gold also offers generous travel medical coverage limits, such as up to $500,000 in both Emergency Medical and Medical Evacuation. Given that this plan is backed by one of the highest-rated providers on Squaremouth, it’s no surprise that it’s consistently the most popular option among international travelers.
WorldTrips – Atlas International: Best for Low-Cost Coverage
When it comes to affordability, few policies can compete with WorldTrips’ Atlas International plan. This travel medical policy is the least expensive policy on Squaremouth that offers at least $50,000 in Emergency Medical coverage. This makes it a great option if you’re not concerned about protecting your travel expenses or already have trip cost protection through a travel credit card. In addition to affordable medical protection, Atlas International also features among the highest evacuation coverage on the platform, covering up to $1,000,000 in medical evacuation and repatriation expenses.
Seven Corners – Trip Protection Choice: Best International Medical Coverage
While this is the most expensive option listed on this page, its premium can be justified by the high levels of medical coverage it provides. Specifically, Trip Protection Choice offers up to $500,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage. These limits are among the highest on any comprehensive plan on Squaremouth, and are perfectly suited for trips that involve remote destinations or long periods away from home. Similar to Tin Leg Luxury, this policy also offers generous trip delay coverage, as well as more Baggage Loss and Baggage Delay protection than any other plan discussed above.
Travel Insured International – FlexiPAX: Most Add-Ons & Customizations
Since no two trips abroad are the same, it helps to have the option to adjust your travel protection as needed. FlexiPAX provides an abundance of options when it comes to enhancing your policy. When it comes to add-ons, FlexiPAX lets you apply benefits like CFAR, IFAR, and Rental Car Damage protection to your coverage for additional peace of mind. If standard reimbursement rates aren’t high enough, then you have the option to increase coverage limits for key benefits like Emergency Medical, Medical Evacuation, and Baggage Loss. This plan is also a great value for families thanks to its “Kids Covered Free” approach to pricing.
IMG – iTravelInsured Choice: Best for Flexible Cancellation Coverage
This plan comes complete with broad Trip Cancellation and Trip Interruption coverage, which can protect your trip investments if you’re forced to cancel your trip or end it early due to reasons outside of your control. If you need additional peace of mind, you can enhance your coverage with CFAR and IFAR protection, which will reimburse up to 75% of your travel expenses if you cancel for any reason not already covered by your plan. Like other plans featured in this list, iTravelInsured Choice also features generous coverage for medical emergencies and evacuations.
FAQs: Top International Travel Insurance Plans
Which International Travel Insurance Plans Cover Pre-Existing Medical Conditions?
Tin Leg Gold, WorldTrips Atlas International, Travel Insured International FlexiPAX, IMG iTravelInsured Choice, and Seven Corners Trip Protection Choice all cover pre-existing medical conditions. To qualify for coverage, you have to purchase your plan within 14-21 days after your initial trip deposit, depending on the plan.
You must meet certain eligibility requirements to qualify for pre-existing condition coverage. These requirements often vary from one provider to the next.
You can find a full list of eligibility criteria and plans that offer this coverage on our Pre-Existing Condition benefit page.Which International Travel Insurance Offers the Best Customer Support Overseas?
Tin Leg and Travel Insured International both offer reputable customer assistance while traveling, according to the latest customer reviews and ratings for providers featured on this page. Top providers that excel in this department can provide crucial 24-hour support and peace of mind during stressful situations, such as a medical emergency or evacuation.
There are many other providers found on Squaremouth that offer superior in-trip customer service, including BlueCross BlueShield Global Solutions and Travelex.
Which International Travel Insurance Policy Offers the Best Coverage for Flight Delays and Cancellations?
Of the best international travel insurance plans, Seven Corners’ Trip Protection Choice plan provides some of the strongest reimbursement rates if you experience a trip delay or flight cancellation. Specifically, this plan offers up to $2,000 in reimbursement for Travel Delay claims and up to $1,500 if your tour or cruise is impacted by missed connections.
However, stronger coverage can be found by comparing other policies. if flight-related travel disruptions, we recommend reviewing the plans we highlight on our Best Flight Insurance page.
Which International Travel Insurance Plans Are Good for Adventure Travel?
Tin Leg Gold, Travel Insured International FlexiPAX, IMG iTravelInsured Choice, and Seven Corners Trip Protection Choice cover basic adventure sports and activities, but certain limitations apply. Participating in high-risk excursions like scuba diving, island ATV riding, and jet skiing will likely require specialized coverage.
Tin Leg plans are known for providing coverage for a wide range of activities. To find coverage for your specific itinerary item, we recommend visiting our Adventure Sports page and selecting all of the activities you plan to pursue during your trip.
We also recommend you visit our Best Adventure Travel Insurance page to find the top policies specifically designed to cover adventure trips.
Why Is Picking the Right International Travel Insurance Plan So Important?
International travel calls for more extensive insurance coverage because of the nature of these trips. Traveling internationally typically comes with higher trip costs, longer trips, and a lack of coverage from your primary health insurance, leaving you vulnerable to significant out-of-pocket financial losses. An international travel insurance plan covers all of these main concerns.