5 Travel Insurance Providers to Consider
Whether you're traveling abroad or staying stateside, travel insurance is critical for protecting against unexpected events: trip cancellations, medical emergencies, lost baggage and evacuation costs. Here's a breakdown of the best travel insurance provider packages, key coverage types, costs and expert advice to help you travel worry-free.
Key Providers and What They Offer
1. Global Rescue (Subscription-Based Emergency Support)
Global Rescue is best for adventure travelers, remote/dangerous locations or those seeking seamless field rescue without claims hassle.
- Coverage. 24/7 medical evacuation, field rescue, COVID-19 transport and remote security assistance. No claims, deductibles or reimbursements.
- Pricing. Starts at ~$139 for individuals (7 days), family plans ~$229. Annual plans up to ~$700 for single users or ~$1,130 for families.
2. Trawick International – “Safe Travels Armor”
Trawick International is best for travelers who want strong evacuation and cancellation protection in a traditional insurance model.
- Coverage. Up to $1 million medical evacuation, $100k emergency medical, up to $100k trip cancellation.
- Pricing. Varies based on age/trip, average ~$30/day for full medical and evacuation.
3. Travel Insured International – “Worldwide Trip Protector”
Travel Insured International is best for those who want the highest level of evacuation support plus lifestyle benefits.
- Coverage. $1 million medical evacuation, $100k emergency medical, $150k non-medical evacuation, plus concierge and identity protection.
- Pricing. Similar to Trawick; most comprehensive evacuation coverage available.
4. Medjet Assist (Medical Repatriation Membership)
Medjet Assist is best for travelers wanting full control over their hospital choice upon evacuation.
- Coverage. Bedside-to-bedside transport back home hospital (not just nearest facility); includes COVID-19 repatriation.
- Pricing. Approx. $45–68 for single-trip or around $200 for annual coverage.
5. Traditional Travel Insurance
There are many options for a traditional travel insurance package. These options are best for travelers who need comprehensive yet affordable coverage. Check out providers like Allianz Travel Insurance, AIG or options through your bank. Some credit card companies also offer basic travel insurance packages.
- Coverage. Emergency medical, trip delay, baggage, trip cancellation/interruption, some include evacuation.
- Pricing. Prices vary – basic plans ~5–7% of total trip cost (e.g., $204 median).
When to Consider Subscription-Style Coverage
- You're traveling to remote or high-risk areas (countries with political unrest).
- You want evacuation services without worrying about filing claims.
- You travel frequently. An annual membership like Global Rescue or Medjet can be more cost-effective than per-trip insurance.
What to Look For (And What to Avoid)
Choosing the right policy means reading the fine print. Here's what to consider:
- Evacuation limits. Look for at least $500k medical evacuation; non-medical evacuation is a bonus.
- Pre-existing conditions. Ask if they're automatically covered or need waivers.
- Adventure activity coverage. If you hike, ski or dive, confirm policies include “adventure” activities.
- Hospital choice. Medjet allows home‑hospital transport. Traditional insurance may limit you to local facilities.
- No hidden fees. Watch out for deductibles, co-pays and policy service fees.
- Reputation and response. Choose providers with excellent global support and claim payouts.
- What to avoid. Restrictive adventure exclusions, low evacuation caps (<$100k), hidden deductibles and a lack of travel assistance 24/7.
Smart Buying Tips
- Buy soon after booking travel to qualify for pre-existing condition waivers.
- Compare quotes across major platforms (e.g., Squaremouth, InsureMyTrip).
- If traveling often, compare one-trip insurance vs. annual evacuation membership cost.
- Pair complimentary strengths—e.g., Global Rescue + basic travel insurance from IMG for baggage/delay coverage.
Enjoy Your Travels!
Travel insurance and emergency evacuation coverage are essential for peace of mind. Choose traditional plans for broad coverage, or subscription services like Global Rescue and Medjet for guaranteed evacuation support. Read policy details, ensure coverage matches your trip and keep emergency numbers accessible.