Travel insurance is something every traveler should think about before setting off. It’s there to protect you from the unexpected—whether it’s an illness, a canceled flight, or even lost luggage.
In this article, we’ll take a look at some of the best travel insurance companies out there, how their plans stack up, and what you should consider before buying a policy. I’ll also share real customer feedback and compare benefits to help you make a smart decision.
What Is Travel Insurance?
Travel insurance is a type of coverage that helps protect you financially if something goes wrong during your trip. There are several types of travel insurance, including trip cancellation, emergency medical coverage, and lost baggage.
Depending on the plan, some cover costs if your trip is delayed, if you lose your luggage, or if you need emergency medical help while abroad.
Let’s now break down some of the best travel insurance options, including their benefits and why they might be a good fit for you.
John Hancock Travel Insurance
John Hancock Travel Insurance is known for providing strong coverage and being reliable for both short and long trips. Their policies are straightforward and easy to understand, which is perfect if you’re new to travel insurance.
Benefits:
- Offers coverage for trip cancellations, interruptions, medical emergencies, and lost luggage.
- 24/7 customer support for emergency assistance.
- Comprehensive protection for cruises and group travel.
John hancock travel insurance reviews:
Many customers appreciate John Hancock’s quick claim process and helpful staff. However, some have mentioned that their prices can be a bit higher compared to others.
Plans:
- Classic plan
- Premier plan (offers more coverage)
Global Rescue Travel Insurance
Global Rescue focuses on offering high-quality medical evacuation and emergency travel services. Their plans are ideal for adventure travelers who need more specialized protection.
Benefits:
- Excellent for medical emergencies and evacuation.
- Offers coverage for high-risk activities like rock climbing or hiking.
- Includes travel delay and baggage loss coverage.
Reviews:
Customers say Global Rescue is a lifesaver in emergencies, especially for international travelers. Some people find their plans to be on the more expensive side but value the extra coverage.
Plans:
- Basic medical
- Comprehensive rescue and evacuation
Seven Corners Travel Insurance
Seven Corners is a popular choice for those looking for affordable and flexible travel insurance. They offer a range of policies, from medical-only coverage to full trip protection.
Benefits:
- Affordable coverage options.
- Includes trip interruption, travel delay, and emergency medical evacuation.
- Offers a customizable plan to fit your needs.
Reviews:
Many travelers find Seven Corners’ customer service helpful, but some have noted slower response times when filing claims.
Plans:
- Essential travel plan
- Deluxe travel plan (includes more extensive coverage)
Assist Card Travel Insurance
Assist Card offers robust travel insurance with a focus on worldwide coverage. Whether you’re traveling for business or leisure, their plans provide peace of mind.
Benefits:
- Covers emergency medical, trip cancellations, and lost luggage.
- 24/7 medical assistance worldwide.
- Ideal for those traveling to remote destinations.
Reviews:
Assist Card has a great reputation for offering solid coverage and reliable support. However, some customers feel the price is high compared to others on the market.
Plans:
- Classic plan
- Premium plan (adds more medical benefits)
Allianz Travel Insurance
Allianz is one of the most well-known names in the travel insurance space. They offer a variety of options that suit different travel needs.
Benefits:
- Covers trip cancellation, medical emergencies, and interruptions.
- Includes coverage for weather-related delays and missed connections.
- Good for both domestic and international travelers.
Reviews:
Customers often praise Allianz for their fast claim process and straightforward plans. A few users mentioned that their coverage limits could be a bit low, especially for medical expenses.
Plans:
- Basic plan
- Deluxe plan (covers more)
Travel Guard Travel Insurance
Travel Guard is perfect for people looking for flexible coverage at an affordable price. Whether you’re traveling for business, leisure, or an organized tour, their plans have you covered.
Benefits:
- 24/7 emergency assistance.
- Trip cancellation, interruption, and baggage loss coverage.
- Includes emergency medical and evacuation services.
Reviews:
Travel Guard receives positive reviews for their value for money and good customer service. Some customers noted that the website could be more user-friendly when booking plans.
Plans:
- Standard plan
- Preferred plan (more coverage)
USAA Travel Insurance
USAA offers travel insurance exclusively for military members and their families. It includes strong protection for both trips in the U.S. and abroad.
Benefits:
- No age limits on policies.
- Good coverage for trip cancellations, medical emergencies, and travel delays.
- Known for excellent customer service.
Reviews:
USAA customers often praise their excellent customer support, though some people have mentioned that the insurance offerings are limited compared to other providers.
Plans:
- Travel insurance for active-duty members
- Travel insurance for military families
AXA Travel Insurance
AXA Travel Insurance is another great option that offers affordable and reliable coverage. They offer several options that cater to different types of travelers.
Benefits:
- Excellent coverage for trip cancellations and medical emergencies.
- Provides options for single trips, multi-trips, or long-term travel.
- Global customer support.
Reviews:
Many users recommend AXA for its reliability and affordable pricing. However, some have mentioned that they had trouble with the claims process.
Plans:
- Basic plan
- Premium plan
Berkshire Hathaway Travel Insurance
Berkshire Hathaway offers solid coverage for travelers seeking protection for a wide range of events. Known for reliable claims support and straightforward policies, they’re a safe bet.
Benefits:
- Offers comprehensive trip cancellation and interruption protection.
- Emergency medical and evacuation coverage.
- Good for frequent travelers.
Reviews:
Customers appreciate Berkshire Hathaway’s customer support and easy-to-understand plans. Some feel that it’s not as customizable as other providers.
Plans:
- Basic plan
- Comprehensive plan
Travel Insured International
Travel Insured International offers affordable plans for all kinds of travelers. Their plans are designed to be straightforward and easy to choose.
Benefits:
- Includes trip cancellation, trip delay, and medical emergencies.
- Good value for money, especially for international travel.
- Provides a 24/7 help line for emergencies.
Reviews:
Travel Insured is popular for its affordability and ease of use. Some customers noted the claims process could be more efficient, but overall it’s a solid choice.
Plans:
- Basic travel plan
- Comprehensive travel plan
FAQs
What does travel insurance typically cover?
Travel insurance usually covers trip cancellations, medical emergencies, lost luggage, and trip delays. Some policies also offer coverage for trip interruptions or emergency evacuations.
Which is the best travel insurance company?
The best company depends on your needs. For comprehensive coverage, John Hancock and Global Rescue stand out. If you’re looking for affordable options, Seven Corners and Assist Card are great choices.
Can I buy travel insurance after booking my trip?
Yes, you can purchase travel insurance at any time before your trip, but it’s best to buy it as soon as possible for the most coverage.
Is travel insurance worth the cost?
Yes, especially if you’re traveling internationally or engaging in risky activities. Travel insurance can save you a lot of money if something unexpected happens.
How do I file a claim with my travel insurance?
Contact your insurer, submit the necessary documents like medical bills or receipts, and follow their claim procedure.
Conclusion
Choosing the right travel insurance can make all the difference in how stress-free your trip is. Whether you choose John Hancock, Global Rescue, or any other company, be sure to read the fine print and pick a plan that suits your travel needs. Remember, the best insurance is the one that provides the coverage you need at a price you can afford.