10 Best Travel Insurance Companies in 2025 (Top Providers)
Among the best travel insurance companies, Progressive, Farmers, and Nationwide provide affordable premiums starting at $17 monthly. Progressive has the lowest rates, Farmers offers up to 20% off for bundling, and Nationwide covers cancel-for-any-reason. Each is a solid choice based on your travel needs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 10, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 10, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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13,283 reviewsCompany Facts
Full Coverage for Travels
A.M. Best
Complaint Level
Pros & Cons
13,283 reviews
3,072 reviewsCompany Facts
Full Coverage for Travels
A.M. Best
Complaint Level
Pros & Cons
3,072 reviews
3,071 reviewsCompany Facts
Full Coverage for Travels
A.M. Best
Complaint Level
Pros & Cons
3,071 reviewsProgressive, Farmers, and Nationwide are the best travel insurance companies, with premiums starting at $17 a month. This guide is your ultimate insurance cheat sheet to help you compare travel insurance companies and find the best fit for your needs.
Our Top 10 Picks: Best Travel Insurance Companies| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Budget Travelers | Progressive |
 | #2 | 20% | A | Multi-Policy Savings | Farmers |
 | #3 | 20% | A+ | Affordable Coverage | Nationwide |
 | #4 | 30% | A+ | Claims Experience | Amica |
 | #5 | 13% | A++ | Comprehensive Plans | Travelers |
 | #6 | 17% | A++ | Reliable Coverage | State Farm |
 | #7 | 25% | A | Flexible Policies | Liberty Mutual |
 | #8 | 25% | A+ | Family Travel | Allstate |
 | #9 | 16% | A++ | Strong Reputation | Auto-Owners |
 | #10 | 25% | A | Custom Plans | American Family |
We review the top 10 travel insurance providers based on coverage options, customer satisfaction, claim processes, and pricing.
- Allstate offers up to a 10% discount for safe travelers
- Liberty Mutual has the cheapest full coverage rate for travel insurance
- You can save up to 12% when you opt for group travel
Whether you’re looking for emergency medical coverage, trip cancellation protection, or 24/7 assistance, this article breaks down everything you need to know to make an informed decision before your next adventure. Enter your ZIP code to start comparing premiums from highly-rated insurers in your area.
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#1 – Progressive: Best for Budget Travelers
Pros
- Affordable Premium Rates: Progressive’s minimum coverage starts at only $17, offering budget-conscious individuals the most economical travel protection in the market.
- Multi-Level Savings Potential: The Progressive insurance review highlights their combined 10% bundling and 10% group travel discounts that significantly reduce costs for family travel plans.
- Streamlined Claims Process: Despite their budget-friendly pricing, Progressive processes travel claims faster than many competitors without compromising on service quality.
Cons
- Limited Loyalty Benefits: Returning customers receive merely a 7% discount on future travel insurance policies, the lowest loyalty incentive among top-rated providers.
- Basic Coverage Features: While full coverage costs just $57, Progressive’s travel insurance plans lack the specialized adventure sports protections that premium insurers offer.
#2 – Farmers: Best for Multi-Policy Savings
Pros
- Substantial Bundling Incentives: Policyholders who combine auto or home insurance with travel protection from Farmers enjoy an impressive 20% multi-policy discount.
- Group Travel Advantages: Farmers insurance review confirms their 11% group discount significantly reduces costs when insuring extended family members for international travel together.
- Comprehensive Coverage Options: The $63 full coverage travel plans include robust medical evacuation benefits that exceed the industry standard for emergency situations abroad.
Cons
- Higher Base Premiums: The minimum coverage rate of $23 positions Farmers among the pricier options for basic travel protection without additional discounts applied.
- Average Safe Traveler Discounts: Farmers offers only a 9% reduction for travelers with a clean claims history, falling behind competitors that better reward cautious travel behavior.
#3 – Nationwide: Best for Affordable Coverage
Pros
- Balance of Cost and Coverage: Nationwide insurance review reveals their $21 minimum coverage includes trip cancellation benefits that many competitors only offer in premium travel plans.
- Strong Financial Backing: The A+ rating guarantees exceptional financial stability to handle large travel insurance claims even during major global disruption events.
- Consistent Loyalty Rewards: Frequent travelers receive a substantial 13% discount on subsequent travel policies, making Nationwide especially valuable for multiple trips annually.
Cons
- Lower Bundling Incentives: The 10% discount for combining travel insurance with other policies ranks among the least generous multi-policy savings in the top-tier market.
- Mid-Range Premium Costs: At $61 for comprehensive travel protection, Nationwide costs more than budget providers but offers fewer specialty benefits than premium competitors.
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#4 – Amica: Best for Claims Experience
Pros
- Superior Bundling Savings: No competitor matches Amica’s 30% discount when bundling travel protection with home or auto policies (Read More: Amica Insurance Review).
- Exceptional Claims Handling: The $24 minimum coverage includes the fastest reimbursement processing for interrupted travel plans, according to independent customer satisfaction surveys.
- Premium Service Justification: Amica employs specialized travel medicine consultants who assist policyholders with finding appropriate healthcare facilities during international medical emergencies.
Cons
- Higher Premium Costs: The $65 full coverage positions Amica as the third most expensive option for travelers seeking comprehensive protection for international journeys.
- Limited Group Travel Benefits: Families traveling together receive only 8% savings, significantly less than the group travel discounts offered by most competitors.
#5 – Travelers: Best for Comprehensive Plans
Pros
- Superior Financial Strength: The A++ rating ensures Travelers insurance consistently ranks highest for financial capacity to cover catastrophic travel emergencies worldwide.
- Extensive Group Travel Benefits: Large families or travel groups receive an industry-leading 12% discount that substantially reduces the overall cost of insuring multiple travelers.
- Multi-Trip Savings Potential: Frequent travelers can save 10% through annual policies that cover multiple journeys, eliminating the need to purchase separate travel insurance repeatedly.
Cons
- Modest Bundling Opportunities: The 13% bundling discount falls significantly below what top competitors offer when combining travel protection with existing policies.
- Premium Price Point: Travelers charge $62 for full coverage travel insurance, placing them among the more expensive options for comprehensive international protection plans.
#6 – State Farm: Best for Reliable Coverage
Pros
- Consistent Protection Quality: State Farm review confirms their $19 minimum coverage includes trip interruption benefits that many competitors only offer in more expensive travel plans.
- Strong Group Travel Benefits: Families receive an 11% discount when insuring multiple travelers, making State Farm particularly cost-effective for large group vacation coverage.
- Exceptional Financial Rating: The A++ rating guarantees unmatched financial reserves to handle massive travel claims even during widespread global disruption events.
Cons
- Average Loyalty Program: Repeat customers receive only a 9% discount on future travel policies, less than what top competitors offer for continued loyalty.
- Moderate Bundling Savings: The 17% multi-policy discount places State Farm’s travel bundling options in the middle tier compared to more generous competitors.
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#7 – Liberty Mutual: Best for Flexible Policies
Pros
- Customizable Coverage Options: Liberty Mutual insurance review confirms they offer the most adaptable travel protection plans that can be tailored to specific destination requirements.
- Exceptional Bundling Value: Customers save 25% when adding travel insurance to existing policies, making Liberty Mutual among the top three for a multi-policy discount value.
- Multi-Trip Coverage Excellence: Frequent travelers receive specialized annual coverage options with 10% savings that protect multiple international and domestic journeys throughout the year.
Cons
- Premium Price Point: The $70 full coverage rate makes Liberty Mutual the most expensive travel insurance option among all top-rated providers reviewed.
- Limited Group Travel Benefits: Family travel discounts at only 9% fall below what most competitors offer for insuring multiple family members on the same trip.
#8 – Allstate: Best for Family Travel
Pros
- Family-Focused Protection: Allstate insurance review highlights their specialized coverage that includes free travel insurance for children under 18 when traveling with insured parents.
- Exceptional Multi-Policy Savings: Customers who bundle travel protection with existing policies receive a 25% discount, positioning Allstate among the best for multi-policy value.
- Industry-Leading Loyalty Program: Repeat customers receive a 15% discount on future travel policies, the second-highest loyalty reward among all top-rated insurance providers.
Cons
- Above-Average Minimum Rates: The $20 minimum coverage costs more than several competitors while offering similar basic travel protection benefits for short domestic trips.
- Expensive Full Coverage: International travelers pay $60 for comprehensive travel protection plans that lack some specialized features offered by comparably priced competitors.
#9 – Auto-Owners: Best for Strong Reputation
Pros
- Exceptional Financial Stability: The A++ rating ensures Auto-Owners maintains sufficient reserves to cover travel claims even during unprecedented global disruption events.
- Competitive Entry-Level Pricing: Auto-Owners offers basic travel protection at $19, making their minimum coverage more affordable than six other top-rated competitors.
- Balanced Group Travel Benefits: Families receive a 10% discount when insuring multiple travelers, providing reasonable savings for group vacations without excessive premium costs.
Cons
- Limited Bundling Opportunities: The 16% discount for bundling travel insurance is lower than the 20% offered by top competitors (Read More: Auto-Owners Car Insurance Review).
- Modest Full Coverage Value: The $58 comprehensive travel plan lacks some specialized adventure sports protections that similarly priced competitors include standard.
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#10 – American Family: Best for Custom Plans
Pros
- Budget-Friendly Entry Point: American Family insurance review highlights their budget-conscious $18 minimum coverage that includes essential travel protections without unnecessary premiums.
- Exceptional Bundling Opportunities: Customers who add travel protection to existing policies save 25%, placing American Family among the top three for multi-policy discounts.
- Industry-Leading Loyalty Program: No competitor matches their remarkable 18% discount for returning customers seeking travel insurance for subsequent vacation plans.
Cons
- Limited Safe Traveler Benefits: Cautious travelers with a clean claims history receive only a 9% discount, less than what several competitors offer for responsible travel behavior.
- Average Full Coverage Value: The $55 comprehensive travel plan includes standard protections but lacks the specialized benefits that similarly priced competitors provide.
Understanding Travel Insurance
Travel insurance is a protective policy designed to cover unexpected expenses during your trip, offering financial support when things go wrong. At its core, it helps travelers manage risks such as medical emergencies, trip cancellations, lost luggage, or emergency evacuations. One major benefit is medical coverage, which is especially important when traveling abroad without access to your usual healthcare system.
It ensures you receive the necessary treatment without facing overwhelming costs. Additionally, travel insurance typically includes trip cancellation or interruption coverage, reimbursing non-refundable expenses if you cancel or shorten your trip due to unforeseen events. Lost luggage compensation and emergency evacuation assistance also add crucial layers of protection.
Travel insurance is best when planning a trip because it safeguards both your finances and your well-being.
Scott Young MANAGING EDITOR
From flight delays to political unrest, countless risks can disrupt your plans. That’s where having 24/7 emergency assistance through the best-rated travel insurance becomes essential.
Read More: What We Learned Analyzing 815 Insurance Companies
As part of your travel planning, consulting can help identify what’s the best travel insurance company for your specific needs. Ultimately, travel insurance lets you explore with peace of mind, knowing you’re protected from life’s unexpected twists.
Cost Factors When Choosing a Travel Insurance Company
Now that we understand the importance of travel insurance, let’s explore the key factors to consider when choosing a provider. Traveling is exciting, but being prepared for the unexpected is essential. To make the right choice, you’ll need to evaluate a few critical elements before selecting a travel insurance company.
Price and Coverage
Price is another crucial factor to consider when choosing a travel insurance company. When reviewing monthly rates and benefits across the top travel insurance companies, it’s clear that affordability and coverage options vary widely. Progressive offers the best travel insurance quote at $17, while Liberty Mutual tops full coverage at $70.
Travel Insurance Companies Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $20 | $60 |
| $18 | $55 |
| $24 | $65 |
| $19 | $58 |
| $23 | $63 |
| $25 | $70 |
| $21 | $61 |
| $17 | $57 |
| $19 | $59 |
| $22 | $62 |
However, low premiums don’t always equal better value—only a few insurance companies for travel, like Nationwide, Progressive, and Travelers, offer essential benefits like “Cancel for any reason” or a “Pre-existing condition waiver.” While most providers lack key coverage options, American Family and Travelers stands out by including at least one valuable feature at competitive rates.
Insurance Coverages From the Top Providers for Travel Companies| Insurance Company | Cancel for Any Reason | Adventure Sports Coverage | Rental Car Coverage | Pre-existing Condition Waiver | Trip Interruption for Any Reason |
|---|---|---|---|---|---|
| ❌ | ❌ | ❌ | ❌ | ❌ |
| ✅ | ❌ | ❌ | ❌ | ❌ |
| ❌ | ❌ | ✅ | ❌ | ❌ |
| ❌ | ❌ | ❌ | ❌ | ❌ |
| ❌ | ❌ | ❌ | ❌ | ❌ |
| ❌ | ❌ | ❌ | ❌ | ❌ |
| ✅ | ❌ | ❌ | ✅ | ❌ |
| ✅ | ❌ | ❌ | ✅ | ❌ |
| ❌ | ❌ | ✅ | ❌ | ❌ |
| ✅ | ❌ | ❌ | ✅ | ❌ |
Comparing plans and getting an insurance plan that works for you means balancing price with protections that matter most for your travel needs. Amica and State Farm are notable picks for those prioritizing rental car coverage. Ultimately, evaluating both price and coverage helps ensure you select the best quote for travel insurance that delivers true value.
Customer Service & Claim Process
Choosing the best travel insurance provider involves more than just cost—it’s about finding the right balance of price, protection, and service. Amica and State Farm stand out for travelers needing rental car coverage. To ensure value, compare travel insurance companies based on coverage options and pricing.
Equally important is customer service—top-rated travel insurance providers offer reliable, responsive support when things go wrong, like during flight cancellations or delays. A dependable provider helps rebook flights, arrange accommodations, and reduce stress.
Additionally, a smooth claim process is vital. When luggage is lost, or emergencies happen, you want a company that makes filing and resolving claims simple and quick.
Read More: How to File an Auto Insurance Claim & Win It Each Time
Experienced claims adjusters play a key role in ensuring claims are handled fairly and efficiently, helping you get compensation without unnecessary hassle. Travel insurance isn’t just a cost—it’s an investment in your safety and peace of mind. By comparing plans and prioritizing key features, you can confidently choose a policy that supports your travel goals.
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Top Travel Insurance Companies for Savings
When evaluating the best-rated travel insurance companies, discounts can significantly influence overall value. Among the top 10 travel insurance companies, Amica stands out with the highest bundling discount at 30%, offering major savings when combining policies. American Family also impresses with strong loyalty and group travel discounts, making it a smart choice for frequent or family travelers.
Insurance Discounts From the Top Providers for Travel Companies| Insurance Company | Bundling | Loyalty | Group Travel | Multi-Trip | Safe Traveler |
|---|---|---|---|---|---|
| 25% | 15% | 12% | 10% | 10% |
| 25% | 18% | 10% | 10% | 9% |
| 30% | 13% | 8% | 7% | 8% |
| 16% | 10% | 10% | 8% | 7% |
| 20% | 10% | 11% | 9% | 9% |
| 20% | 13% | 9% | 10% | 7% |
| 10% | 13% | 9% | 8% | 7% |
| 17% | 7% | 10% | 7% | 6% |
| 18% | 9% | 11% | 9% | 8% |
| 13% | 9% | 12% | 10% | 8% |
If you’re wondering, “What are the best travel insurance companies when it comes to discounts?” Those with robust multi-trip and safe traveler incentives, like Allstate and Travelers, provide added value for seasoned globetrotters.
Tech-savvy travel tips? Say that five times fast, and make it easier to travel. https://t.co/cvnyPAZhSr pic.twitter.com/omHoCOQaBs
— Progressive (@progressive) February 25, 2016
These discounts mirror key principles in tips to pay less for car insurance, such as bundling and rewarding low-risk behavior, proving that smart policy selection goes beyond price alone.
Best Travelers Insurance Companies
Choosing one of the top 3 travel insurance companies can make all the difference when unexpected events disrupt your plans. Progressive is the best trip insurance company for affordability and seamless digital tools, which are ideal for travelers who want quick access and strong support.
Farmers stand out as the best company for travel insurance if you already have existing policies, offering generous bundling discounts and personalized service. Nationwide provides dependable coverage at a great value, with reliable claims processing and flexible plan options.
These insurers are also helpful when you’re denied insurance coverage elsewhere, often offering plans with fewer exclusions and broader eligibility. Whether it’s trip cancellations, medical emergencies abroad, or lost luggage, these providers offer strong protection and peace of mind.
Choose one for reliable coverage and support wherever you travel. See how much you could save on coverage by entering your ZIP code into our free quote comparison tool.
Frequently Asked Questions
What happens if I’m in an accident while traveling?
The best travel insurance companies cover medical costs, emergency transport, and trip interruptions. Some even consider buckling up behaviors when determining benefits, rewarding safe travelers with faster claims, and enhanced coverage options.
What makes a travel insurance company the best?
The best travel insurance companies offer comprehensive coverage, strong customer support, affordable pricing, and high customer satisfaction ratings, helping travelers stay protected during unexpected events.
Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool.
Which travel insurance company has the best customer reviews?
Many travelers consider the best travel insurance company to be one that combines excellent reviews, quick claims processing, and dependable support, often including names like Allianz, Travelex, and World Nomads.
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Why should I consider travel insurance if I already have health coverage?
The best travel insurance companies help finance what your health insurance won’t cover, including emergency evacuations, overseas treatments, and unexpected trip cancellations that typical health plans often exclude while traveling internationally.
Are there travel insurance companies that offer COVID-19 coverage?
Yes, several of the best travel insurance companies offer COVID-19 coverage, including trip cancellation and emergency medical expenses if you contract the virus before or during travel.
What travel insurance companies cover adventure sports?
Top providers like World Nomads and IMG offer plans that cover adventure sports, making them some of the best travel insurance companies for thrill-seeking travelers. Use our free quote comparison tool to find the cheapest coverage in your area.
Which company offers the best coverage for lost luggage?
Travelex and Allianz are often praised for offering the best luggage insurance, with generous limits and quick claims, making them top picks among the best travel insurance options.
What types of emergencies do top travel insurance companies typically cover?
Leading travel insurance providers often cover medical emergencies, trip cancellations, lost luggage, and delays, offering comprehensive support no matter where you are in the world.
How do the best travel insurance companies protect my personal information?
Top travel insurance companies safeguard your data through strict security protocols outlined in their privacy policy, ensuring your personal and financial details remain confidential before, during, and after your trip.
Can I get coverage for adventure sports or high-risk activities?
Many of the best travel insurance companies offer optional add-ons or specialized plans that include coverage for activities like skiing, scuba diving, or hiking, which standard policies may exclude.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.