TRAVEL INSURANCE

1. Allianz Global Assistance

  • Key Features:
    • Comprehensive plans (Single-Trip, Annual Multi-Trip, Premier tiers).
    • Covers trip cancellation, emergency medical expenses, baggage loss, and 24/7 assistance.
    • COVID-19 coverage included.
  • Best For: Frequent travelers and families seeking flexible, tiered options.
  • Pros: Strong financial backing, global network.
  • Cons: Limited adventure sport coverage; some pre-existing conditions excluded.
  • Why Choose: Reliability and extensive service network.
  • Official Site

2. World Nomads

  • Key Features:
    • Coverage in 200+ countries, including adventure activities (e.g., skiing, scuba diving).
    • Flexible claims process and “buy as you travel” extensions.
    • COVID-19 coverage for medical expenses.
  • Best For: Backpackers and adventure travelers.
  • Pros: Covers high-risk activities; digital nomad-friendly.
  • Cons: Lower trip cancellation limits; no annual plans.
  • Why Choose: Specialized coverage for off-the-beaten-path adventures.
  • Official Site

3. SafetyWing

  • Key Features:
    • Subscription-based model (monthly billing) for long-term travelers.
    • Covers COVID-19, emergency medical, and travel delays.
    • Minimal home country coverage (except for U.S. residents).
  • Best For: Digital nomads and remote workers.
  • Pros: Affordable, flexible, and family-friendly (2 children free per adult).
  • Cons: Limited trip cancellation/interruption coverage.
  • Why Choose: Budget-friendly, continuous coverage for indefinite travel.
  • Official Site

4. AXA Travel Insurance

  • Key Features:
    • Platinum plans include “Cancel For Any Reason” (CFAR) and high medical limits ($250,000).
    • Covers adventure sports, lost baggage, and rental car damage.
  • Best For: Luxury travelers and those seeking high coverage limits.
  • Pros: Strong COVID-19 coverage; CFAR option.
  • Cons: Pricier for comprehensive tiers.
  • Why Choose: Premium protection for high-cost trips.
  • Official Site

5. IMG Global (International Medical Group)

  • Key Features:
    • Specialized plans like Patriot Platinum for expats and long-term travelers.
    • Covers emergency evacuation, maternity, and pre-existing conditions (if purchased early).
  • Best For: Expats, long-term travelers, and retirees.
  • Pros: Customizable add-ons; multi-year policies available.
  • Cons: Complex plan comparisons.
  • Why Choose: Long-term health-focused coverage.
  • Official Site