Travel insurance gives you the peace-of-mind to enjoy your trip to the fullest. The best travel insurance provides essential protection against unforeseen circumstances, transforming potential expenses and stress into minor inconveniences. Without adequate coverage, you may find yourself facing unexpected, and often hefty, financial burdens should anything go awry.

To help you navigate through the plethora of choices and ensure you are well-protected, we’ve curated a list of the six best travel insurance options available. These recommendations are designed to simplify your decision-making process, allowing you to focus on the excitement of your upcoming journey.

Best All-Around: Allianz Travel Insurance

Allianz Travel Insurance is one of the best all-around travel insurance providers.  

Its Basic, Prime, and Premiere plans cover essentials, such as baggage coverage, trip delays, interruptions, or cancellations. The Basic plan is well-suited to less experienced travelers or people who don’t anticipate expensive, nonrefundable costs.

If you want more benefits, its Prime plan offers higher coverage, while its Premier plan compensates up to $1,000 in expenses if you need to change or cancel a trip.

You can narrow these travel insurance plans even more for details like emergency medical coverage and rental car protection. They make it easy to file a claim online, by phone, or through the Allianz app.

When a cancellation or surprise medical bill can cost you more than you expected, getting Allianz Travel Insurance remains one of our top recommendations for travel-saving strategies.

For Cruises: Squaremouth

If you’re worried that an emergency could cut your cruise short, Squaremouth will help you save money. Squaremouth is one of the best travel insurance resources to get quotes and comparisons for cruise insurance.

This tailored resource ensures you choose a form of insurance that isn’t too generalized and covers common cruise ship issues. For example, cruise ships have a higher chance of experiencing extreme weather such as hurricanes or storms due to traveling in tropical areas. Through Squaremouth, you can find an insurance plan that reimburses you if you have to cancel.

Another vital detail is finding cruise insurance that provides medical coverage to keep you safe and healthy no matter which country you’re in. If you get food poisoning while eating at a restaurant or are injured on the ship, your cruise ship insurance will provide medical coverage.

Squaremouth’s annual travel insurance plan provides a convenient, one-policy solution if you take multiple trips. This plan includes essentials like travel delay and baggage delay as well as emergency medical and evacuation coverage.

For Car Rental Coverage: AMEX Travel Insurance

If you enjoy taking a rental car and traveling at your leisure, you need to ensure you’re covered. Although you don’t own the car, you’re still financially responsible for it.

American Express provides car rental protection insurance to cover minor and severe problems that could occur during your trip. If you accidentally dent the car, they’ll work with you as a primary provider in place of your usual car insurance company. If someone steals your rental car, they’ll cover up to $100,000 worth of damages.

This pick is one of the best travel insurance options since it only charges you once you rent and covers you in most countries (with the exception of Italy, Jamaica, New Zealand, Israel, Australia, and Ireland). Several American Express cards also provide car rental protection as a perk:

• Delta SkyMiles Platinum American Express
• American Express Gold Card
• The Blue Business Plus Credit Card
• Marriott Bonvoy Bevy American Express Card
• Hilton Honors American Express Surpass
• Marriott Bonvoy Brilliant American Express

For Road Trips: AAA Travel Insurance

AAA Travel Insurance gives you peace of mind while enjoying your road trip andis one of the best travel insurance options for vacations, business trips, and frequent travelers.

Their travel insurance options cover single-trip and annual plans for domestic and international travel. Their coverage for short-term and long-term trips includes travel delay, flight delay, vehicle rental, and emergency medical for up to 45 days. If you’re traveling for business, they’ll offer coverage for business equipment delays or rentals.

AAA Travel Insurance offers a rental car damage protection plan that covers the costs of a damaged or stolen rental car. This plan can even reimburse you for any unused portion of the trip. If you want even more flexibility, their Classic Plan offers a ‘cancel for any reason’ upgrade. 

You don’t have to be a AAA member to still purchase one of the best travel insurance options. If you have a card that provides some car rental protection, you can use AAA travel insurance to fill in any gaps from your existing coverage.

For Digital Nomads and Adventure-Seekers: World Nomads Travel Insurance

The digital nomad lifestyle is rooted in being flexible and able to leave on a whim. World Nomads Travel Insurance lets you buy insurance and stay covered anywhere.

This is one of the best travel insurance options if you have an active lifestyle, change travel plans frequently, or travel to several countries per year. Its plans cover more than 250 activities across categories such as water, snow, air, land, sports, and experience. They also protect gear and equipment, making this insurance crucial for backpackers, vloggers, and photographers.

Adventure-seekers will appreciate the peace of mind of World Nomads Travel Insurance when venturing out on long expeditions or trying thrill-seeking activities. You’ll still have access to travel insurance fundamentals like emergency medical insurance, medical evacuation, and cancellation.

They also offer ongoing resources to help you plan your trip with useful insights, timely alerts, and general travel advice.

If all this still seems daunting, you can request a quote from us or your travel advisor.