Top 7 Travel Insurance Plans for 2021

We’ve done all the mind-numbingly boring research so that you don’t have to! Read more about our unbiased ranking methodology and advertiser disclosure.

4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

No

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE POLICIES FOR

General Travel

  • Covers almost all adventure activities for a reasonable price for U.S. residents up to age 70 (worldwide up to age 65)
  • Can insure up to 9 people in one family and the signup process is super easy
  • Founded in 2002 and underwritten for U.S. travelers by Nationwide Insurance
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Yes

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE WEBSITE FOR

Comparing Policies

  • Compare dozens of travel insurance policies from all the major providers in one place
  • Easily filter for the features you want and get support from their award-winning customer service team
  • Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Yes

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE POLICIES FOR

Travelers Aged 55+

  • $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
  • Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
  • Founded in 1998 and underwritten by Nationwide and GBG Insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

No

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE POLICIES FOR

Business Travel

  • Covers employment termination or if you are called to jury duty
  • Provides excellent support for trip interruptions caused by inclement weather
  • Founded in 2012 and underwritten by Arch Insurance
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

No

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE POLICIES FOR

Luxury Travel

  • A well rounded travel insurance policy with a good user experience
  • They cover 150% of trip cancellations and interruptions on trips that cost up to $50,000 via their Travel Select plan
  • Founded in 1996 and is underwritten by Berkshire Hathaway
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Yes

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE POLICIES FOR

Concierge Travel

  • White glove level concierge service provided by Travel Guard agents
  • Broad choice of plans which cater to a wide range of customers of all ages
  • Founded in 1982 and is underwritten by AIG
3.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

No

THIS COMPANY OFFERS COVID-19 COVERAGE?

Yes

THEY HAVE THE BEST
TRAVEL INSURANCE POLICIES FOR

Long-term Travel

  • Ideal for digital nomads and long-term travel, available to anyone anywhere
  • Scored lower because short-term travel coverage isn’t as robust as competitors
  • Founded in 2018 and is underwritten by Lloyds of London

SwiftScore Ranking Methodology

We ranked 7 of the best travel insurance policies based on a variety of important factors including the following:

  • Average price for a 2-week vacation based on a 35-year-old California resident traveling to Mexico with a $3,500 trip cost
  • Coronavirus coverage
  • Cancel for any reason (CFAR)
  • AM Best rating of the underwriter
  • Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
  • Ease of sign up
  • Policy language clarity
  • User reviews