10 Best Travel Insurance Companies For 2025: Expert-Rated
3 min readWe researched and analyzed 69 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.
Cost (35% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:
- Couple, age 30 for a Mexico trip costing $3,000
- Couple, age 40, for an Italy trip costing $6,000
- Family of four for a Spain trip costing $15,000
- Couple, age 65, for an Italy trip costing $6,000
- Couple, age 70, for a Mexico trip costing $3,000
Medical expenses (15% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.
Medical evacuation (15% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.
“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.
Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.
Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.
Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.
Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).
“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.
Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.
More: Read how Forbes Advisor rates travel insurance
About Our Travel Insurance Customer Surveys
We commissioned travel insurance customer satisfaction surveys of 2,800 people who bought new policies within the past 12 months to gauge company performance.
We surveyed 1,400 Americans who have purchased a new travel insurance policy within the last 12 months. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ± 1.5 point with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).
We also surveyed 1,400 Americans who filed a travel insurance claim within the past 12 months. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ± 1.9 point with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).
