With fall here and winter fast approaching, you may be looking at how to squeeze the last travel fun out of 2021. Having travel insurance is a smart way to guard against the unexpected when you’ve put down a lot of money for a great trip. To find the best travel insurance companies, we scored 12 essential benefits in 41 travel insurance plans and used each company’s top-scoring plan in our ratings.
Our analysis included each plan’s coverage for Covid-19; coverage for medical expenses and emergency medical evacuation; benefit levels for baggage, trip delays and cancellations; and the option to cancel for any reason.
Best Travel Insurance Company Ratings
| Travel insurance company | Highest-scoring plan | Forbes Advisor rating |
|---|---|---|
| HTH WorldWide | TripProtector Preferred |  |
| John Hancock Insurance Agency | Gold | |
| Seven Corners | RoundTrip Elite | |
| Trawick International | Safe Travels Voyager | |
| USI Affinity Travel Insurance Services | Travel Insurance Select – Elite | |
| AIG Travel | Deluxe |  |
| April International | VIP plan | |
| AXA Assistance USA | Platinum | |
| Generali Global Assistance | Premium | |
| Nationwide | Prime | |
| C&F Travel Insured | Worldwide Trip Protector Plus |  |
| Tin Leg | Tin Leg Gold | |
| TravelSafe | Classic | |
| Travelex | Travel Select |  |
| Berkshire Hathaway Travel Protection | LuxuryCare |  |
| Allianz Partners | OneTrip Premier |  |
| World Nomads | Explorer | |
What Does Travel Insurance Cover?
Travel insurance policies can package together a number of valuable benefits. Work with a travel insurance agent, who can help you identify the coverage types you need and price shop the available options for you.
Look for these top coverage options.
Trip cancellation insurance
You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could derail plans. Trip cancellation insurance reimburses you 100% for money you lose in pre-paid, non-refundable deposits if you have to cancel for a reason listed in the policy.
If Covid is a concern, you can find travel insurance policies that cover Covid-related trip cancellation if you contract the virus right before the trip.
