14 Best Travel Insurance Plans for 2026

If you’re heading abroad for your upcoming trip, we strongly recommend considering Tin Leg Gold. As mentioned previously, this policy offers generous medical reimbursement rates that far surpass our minimum coverage recommendations for trips abroad. Like other Tin Leg plans, Gold offers excellent protection for adventurous travelers, covering more than 250 unique activities like scuba diving and snowboarding. This popular plan also offers fair coverage for flight-related disruptions, such as delays, baggage loss, and missed connections.

View our rankings of the Best International Travel Insurance Companies.

When protecting a trip within the United States, you may not need the most robust travel insurance policy on the market. In most cases, you just need a plan that provides basic coverage against common disruptions. Berkshire Hathaway ExactCare Value is extremely popular among domestic travelers because it offers budget-friendly, no-frills coverage that’s well-suited for quick trips. Despite its low price point, it still offers impressive highlights, including $150,000 in Medical Evacuation coverage and up to $750 in Baggage Loss reimbursement. Berkshire Hathaway is also one of the most innovative and efficient providers when it comes to processing claims, allowing you to get reimbursed faster with less paperwork. If you don’t require high medical coverage for your domestic trip and want dependable, affordable protection, this may be the perfect plan for you.

View our rankings of the Best Domestic Travel Insurance Companies.

IMG’s iTravelInsured Choice is our choice as the best cruise travel insurance plan due to its strong coverage in all key areas for cruisers. This plan boasts full Trip Cancellation and Trip Interruption protection, solid medical coverage amounts that meet our cruise recommendations, and comprehensive coverage for other key concerns. It can also be further improved with the addition of CFAR and IFAR, if flexibility is important to you.

View our rankings of the Best Cruise Insurance Companies.

Flying these days is full of surprises. Fortunately, policies like John Hancock’s Gold plan provide financial protection against common disruptions that can significantly impact your journey. We really like this plan because it has low minimum delay requirements for key benefits like Travel Delay and Baggage Delay, which can reimburse you if you encounter airline or luggage delays during your trip. Other flight-specific benefits, like Missed Connection, boast some of the strongest on the market. 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.

View our rankings of the Best Flight Insurance Companies.

Seven Corners earns our pick for the best medical evacuation coverage with their top-selling Travel Protection Choice plan. Whether you’re heading overseas or staying stateside, this policy offers some of the most generous coverage for unexpected medical and evacuation expenses of any policy found on the Squaremouth platform, with $500,000 and $1,000,000 in coverage per benefit, respectively. Seven Corners completes the policy by offering strong reimbursement limits for other in-demand benefits like Travel Delay, Baggage Loss, and Missed Connection.

Competitive protection coupled with the provider’s 30+ year track record of delivering peace of mind to the global travel community makes this plan a safe bet for any upcoming trip.

View our rankings of the Best Travel Medical Insurance Companies.

Traveling later in life often comes with unique risks and challenges, and it helps to have a plan you can rely on. We recommend IMG’s iTravelInsured Choice plan to seniors due to its strong medical coverage and generous pre-existing condition eligibility window, which lasts up to 21 days after making your first trip payment. The plan also features broad Trip Cancellation coverage, allowing you to be reimbursed for cancellations caused by a wide range of reasons like an unexpected illness, injury, inclement weather, and terrorism. If you need additional cancellation flexibility, the plan provides the option to add CFAR to your coverage for an additional fee at checkout. Overall, this policy gives senior travelers the medical protection and flexibility they need to travel with confidence, and is backed by IMG’s 30 years of experience.

View our rankings of the Best Travel Insurance Companies for Seniors

Travel Insured International’s FlexiPAX plan receives our pick for the best overall family travel insurance because it offers well-rounded protection and a pricing structure that offers the most potential savings for parents traveling with young children. FlexiPAX allows each adult to insure up to 9 children under the age of 18 at no additional cost. We also love this plan because it provides you and your family with multiple ways to customize your coverage through add-ons, such as CFAR and Rental Car Damage protection, and policy upgrades. Even without any enhancements, FlexiPAX offers generous medical coverage that can protect most international and domestic trips.

View our rankings of the Best Family Travel Insurance Companies.

Finding travel protection for adventure trips can be challenging, as many policies exclude high-risk activities. Tin Leg Adventure, however, was designed specifically for travelers who have action-packed itineraries and want to be protected if an accident occurs. Not only does it cover the widest range of adventure sports of any policy found on Squaremouth, protecting 400+ unique activities, but it also includes up to $1,000,000 in Medical Evacuation coverage. This can help cover expenses if you get seriously injured and need to be airlifted to a nearby hospital. Tin Leg Adventure also includes a suite of sports-related benefits that are not typically found in most plans. This includes coverage for Sports Equipment Loss, Sports Equipment Delay, and Sports Fee Loss.

View our rankings of the Best Adventure Travel Insurance Companies.

We chose to highlight FlexiPAX for the best luxury travel insurance plan because it’s one of the few policies that allows you to insure up to $100,000 in travel expenses per person to protect against unexpected cancellations. This coverage is extremely valuable if your trip involves large non-refundable expenses like luxury accommodations and first-class airfare. FlexiPAX can also be a great option for luxury family trips due to the plan’s “Kids Covered Free” pricing. Travel Insured International also provides complimentary concierge services that can elevate your trip by helping you make fine dining dinner reservations, book golf tee times, or purchase tickets to an event. The policy also allows you to add CFAR to your coverage for additional peace of mind. With all of this in mind, it’s no surprise that over a third of travelers booking high-cost trips opt for FlexiPAX.

View our rankings of the Best Overall Luxury Travel Insurance.

Detour Insurance’s @the edge plan is our pick for the best value travel insurance because of its combination of high-quality travel protection and low premiums. At an average premium under $150, this plan offers comprehensive coverage for a great price. Some standout features include the plan’s Medical Evacuation and Baggage Loss coverage, for which it offers the highest reimbursement rates of any comprehensive plan on our platform. If you’re an adventure traveler, this plan offers exceptional protection for you, with coverage for sports equipment and fees. This policy will also cover up to 100% of your prepaid travel expenses, with a maximum Trip Cancellation reimbursement rate of $5,000.

View our rankings of the Best Value Travel Insurance Companies.

If you need coverage for a pre-existing medical condition, we recommend FlexiPAX by Travel Insured International. It offers a generous 21-day Time Sensitive Period, which is longer than most competitors and makes it easier to qualify for coverage if you have an existing health issue that may flare up while you’re away from home. The plan comes standard with $100,000 in Emergency Medical coverage, which can be increased to $500,000 when optional policy upgrades are applied. This additional coverage can be crucial if your pre-existing medical condition results in hospitalization during your trip, especially if you are traveling to an international destination that doesn’t accept U.S. health insurance.

View our rankings of the Best Travel Insurance for Pre-Existing Conditions.

Plans that offer CFAR coverage are designed to provide you with more flexibility heading into a trip. This add-on allows you to receive reimbursement for travel expenses even if you cancel for a reason not covered by your policy’s Trip Cancellation benefit. FlexiPAX is our top pick for this type of plan due to its generous eligibility requirements, high reimbursement percentage, and overall popularity among travelers. It features an industry-leading 21-day Time-Sensitive Window, making it easier for CFAR shoppers to qualify for coverage. It also reimburses up to 75% of prepaid travel expenses in the event of an uncovered cancellation, which is the highest offered by any policy on our platform.

View our rankings of the Best CFAR Travel Insurance.

Tin Leg earns our pick for the best travel medical coverage with their immensely popular Travel Protection Choice plan. The policy offers $500,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, which is among the most comprehensive medical protection available on Squaremouth. Plus, with 24/7 emergency support, this plan is available around the clock to help you in the event of a medical emergency during your trip. Whether you’re taking a cruise, an adventure trip, or traveling internationally, this plan has strong medical coverage to give you the peace of mind of knowing you’re protected.

View our rankings of the Best Medical Evacuation Insurance Companies