9 Best Travel Insurance of 2026

Faye is a travel insurance plan built around a phone app, and it is the only trip cancellation provider in this comparison that prints sample prices on its home page: $4.36 a day for a 14-day domestic or cruise trip and $5.76 a day for a 14-day international trip. Its coverage page lists trip cancellation up to 100% of non-refundable costs and trip interruption up to 150%, so it covers the same core risk as the large carriers. Emergency medical expenses are covered up to $250K on a primary basis, with emergency medical evacuation up to $500K and access to more than 20K telemedicine doctors abroad through Air Doctor. Claims are filed in the app, and approved payouts go to the phone's wallet. Add-ons include cancel for any reason, rental car care up to $50K and pet care. The limits are mid-range rather than top tier, and lost belongings are capped at $200 per item, so travelers carrying expensive gear or booking very costly trips should compare higher tiers elsewhere.

Allianz Travel Insurance sells a ladder of single-trip plans, and its comparison page sets out the limits clearly. OneTrip Basic covers trip cancellation and interruption up to $10,000 each with $10,000 of emergency medical cover, which Allianz itself labels a budget option. OneTrip Prime lifts cancellation to $100,000, interruption to $150,000 and emergency transportation to $500,000, and OneTrip Premier goes to $200,000 for cancellation, $300,000 for interruption, $75,000 for emergency medical and $1 million for emergency transportation. On Prime and Premier, children 17 and under are covered free when traveling with a parent or grandparent, except on policies issued to Pennsylvania residents. The Cancel Anytime upgrade reimburses up to 80% of trip costs in cash for reasons the plan does not otherwise cover. The drawback is price transparency: Allianz does not publish a starting price, so you need a quote with destination, dates, age, state and trip cost. Plans are sold only to U.S. residents.

Travel Guard offers five main plans for U.S. residents: Deluxe, Preferred, Essential, Pack N' Go and an Annual Plan, plus a Medevac Per Trip plan for stays up to 365 days. Its Preferred plan, which Travel Guard calls its most popular, covers trip cancellation up to 100% of insured trip cost with a $150,000 maximum and trip interruption up to 150% with a $225,000 maximum. It adds trip exchange up to 50% of trip cost, a Trip Saver benefit up to $2,500, trip delay up to $800 at $200 a day after 5 hours, travel medical up to $50,000 and emergency evacuation up to $500,000. One child 17 and under is included in the rate for each paying adult. Optional upgrades and bundles let you raise baggage limits or add pet cover. Travel Guard does not publish prices, but says a quote takes two minutes or less, and every plan has a 15-day look period. The $50,000 medical limit on Preferred is modest for long trips abroad.

Travelex Insurance keeps its lineup to three plans and publishes a full side-by-side benefit table. Essential covers trip cancellation and interruption up to $10,000 each, $25,000 of emergency medical cover and $200,000 for evacuation. Advantage raises interruption to $12,500, medical to $50,000 and evacuation to $250,000. Ultimate covers cancellation at 100% of trip cost up to $50,000, interruption up to $75,000, travel delay up to $2,000 and evacuation up to $1,000,000, and it waives the pre-existing condition exclusion if you buy within 21 days of your first trip payment and insure the full trip cost. A cancel for any reason upgrade reimburses up to 75% of prepaid costs, up to $7,500, but only for trips costing $10,000 or less. All three plans have a 21-day review period, and one companion aged 17 or younger can be covered at no extra cost. Trips must be at least 100 miles from home, and the two lower plans stop at 30 days.

World Nomads is aimed at travelers whose trips include sports. Its U.S. site lists four plans with limits per person. Standard covers trip cancellation at $2,500, emergency medical at $125,000 and evacuation at $400,000, with 250+ adventure activities. Explorer, the recommended plan, raises cancellation to $10,000, medical to $150,000 and evacuation to $500,000, covers 300+ activities and offers optional cancel for any reason up to 50% of the non-refundable insured trip cost. Epic covers cancellation at $15,000, medical at $250,000, evacuation at $700,000 and 340+ activities, with optional cancel for any reason up to 75%. The activity list is specific: for example, scuba diving to 165 feet is included on all plans and skydiving on Explorer. You can buy cover while already traveling. The weak point for trip-cost protection is the cancellation ceiling, which stays at $15,000 even on Epic, and World Nomads does not publish prices.

Heymondo leads with medical cover: its international policy pays emergency medical and dental expenses abroad up to $10,000,000, including medical transportation and repatriation, plus lodging and a return ticket for a family member if you are hospitalized for more than 7 days. Trip cancellation and interruption are covered up to $7,000, and baggage theft and damage up to $2,500. The Heymondo app adds 24/7 medical chat and video consultation and handles claims. Heymondo's own cost guide, updated August 2026, says its rates can go as low as $1.45 a day even with high medical limits, and it puts typical medical-only plans at $1.50 to $5 a day. The limits on trip cost are the catch: $7,000 of cancellation cover suits a mid-priced trip, not an expensive cruise, and cancellation cover must be bought no later than 7 days after your first booking. Add-ons cover gadgets, sports and cruises.

Atlas Travel is the most popular travel medical plan from WorldTrips, a member of the Tokio Marine HCC group. WorldTrips says it starts as low as 50 cents a day, or $3.50 for a full week, which is the lowest published price in this comparison. You choose a deductible from $0 to $5,000 and a medical maximum; travelers under 65 can pick $50,000 up to $2,000,000, while the maximum is $50,000 or $100,000 for ages 65 to 79 and $10,000 at 80 or older. The plan includes emergency medical evacuation and smaller travel benefits for trip interruption, travel delay and lost checked luggage, and it can be extended if your trip runs longer. Upgrades add crisis response, personal liability and accidental death cover. Atlas Travel is not trip cancellation insurance, so it will not refund prepaid flights or hotels if you cancel before leaving; WorldTrips sells separate trip protection plans for that.

Generali Global Assistance keeps its travel protection to three plans and shows the main limits on its home page. Every plan covers trip cancellation at 100% of insured trip cost. Standard, which Generali pitches for U.S. travel such as road trips and vacation rentals, adds interruption at 125% of trip cost, $1,000 of baggage cover and $50,000 of medical and dental cover. Preferred lifts interruption to 150%, baggage to $1,500 and medical to $150,000. Premium, designed for costly trips such as cruises and tours, covers interruption at 175% of trip cost, baggage at $2,000 and medical and dental at $250,000, and it is the plan that can cover pre-existing conditions. Generali cites a 30-year customer service record and 24/7 assistance. It does not publish prices, so you need a quote. Compared with Travel Guard or Allianz, the plans are fewer and simpler, with less room for add-ons.

SafetyWing Nomad Insurance works like a subscription: the Essential plan costs $62.72 every 4 weeks for ages 10 to 39, in USD, with other age bands priced on the same page. It is travel medical insurance with an overall limit of US$250,000, covering hospital stays, surgeries and medication for new problems abroad, emergency dental up to $1,000, evacuation up to US$100,000 lifetime and lost checked luggage up to US$3,000 per plan. You can buy it before you leave or after you are already abroad, it covers 180+ countries, and it includes up to 30 days of medical cover in your home country. Trip interruption pays US$5,000 for a ticket home after a family death, and travel delay pays $60 or $150 depending on the delay. Essential does not cover trip cancellation, pre-existing conditions, maternity or cancer treatment, and U.S. coverage is an extra. That makes it a fit for long stays, not for protecting a prepaid vacation.