Best Travel Insurance Websites 2023
Travel insurance has become a must-have for travelers in the 21st century. With travel disruptions due to war, inflation, and more, investing in coverage for your 2023 trips or vacations could be a wise decision.
In 2023, the top travel insurance websites offer comprehensive coverage, and low-risk and user-friendly sign-up tools. These leading companies boast excellent customer service ratings from Pilot as well.
1. InsureMyTrip
InsureMyTrip offers a wide selection of travel insurance plans from top providers. Additionally, its review system enables policyholders to give feedback after the purchase.
Insure My Trip is ideal for travelers who understand the significance of travel insurance and want a straightforward way to compare their options. The site's SMART algorithm utilizes thousands of data points to match travelers with the appropriate plan based on their individual needs.
Insure My Trip offers plans from top travel insurers such as ACE, Travel Guard, and American Express. Additionally, it provides cruise coverage for travelers booking on popular cruise lines.
2. Seven Corners
If you're planning a trip abroad, having travel insurance is essential. Not only will it cover any medical costs in case of an accident, but it may also assist with trip cancellations and delays.
Seven Corners is one of the top travel insurance providers, offering various plans for both individuals and groups. Their website makes it simple to compare each travel medical and trip protection plan side-by-side, so you can quickly assess your options.
They offer a number of optional benefits, such as the Cancel for Any Reason (CFAR) upgrade that permits you to cancel your trip without incurring a penalty. They also have luggage protection which reimburses you if any personal belongings are lost, stolen, or damaged while traveling.
3. World Nomads
World Nomads provides travel insurance tailored to travelers' needs, with pre-and post-departure coverages. Plus, they provide 24/7 emergency assistance as well as claims support.
The Standard Plan is an economical choice that provides pre- and post-departure coverages such as trip cancellation, delay, interruption, emergency evacuation, medical insurance, and baggage/personal effects coverage.
For adventurers, The Explorer Plan may be worth considering. Although not cheap, this plan provides more coverage and has higher maximum limits (up to $5 million) for medical expenses.
It is critical to read your policy thoroughly and ensure you understand exactly what is covered. Many travelers have had bad experiences with travel insurance companies online, often due to not reading their policies carefully.
4. Allianz
Allianz is a well-known travel insurance provider with various plans to choose from. Their products provide coverage for cancellations, medical emergencies, lost luggage, and more - making them an excellent choice for travelers.
They offer a rental car protection plan, which can safeguard your budget in case the car you rent while away is damaged.
Allianz provides both single-trip and annual plans. For those who travel frequently, the annual plan provides coverage of all their trips for one full year - perfect for those with busy schedules!
5. Travel Guard
With Travel Guard, you're always protected when traveling abroad. Its range of products and 24/7 assistance services are trusted by millions of travelers each year.
Three primary plans (Essential, Preferred, and Deluxe) are tailored to meet the needs of most travelers. You can also purchase specialized benefits like trip cancellation coverage for trips paid with frequent flyer miles or loyalty rewards programs, lodging expense coverage for COVID-19 testing travelers, and rental car damage protection.
Travel Guard's annual plan is ideal for frequent travelers, providing coverage for multiple trips throughout the year. It includes 24/7 emergency travel assistance services as well as medical expenses, trip interruption, lost or delayed baggage, and medical evacuations.
Why Travel Insurance Is Necessary
Americans are generally encouraged to purchase travel insurance as their own health plans, Medicare and Medicaid, don't cover medical expenses abroad.
But these policies don't always provide the full picture -- particularly when traveling to war zones, high-risk countries, or engaging in risky activities such as mountain climbing or hang gliding.
