Which is the best travel insurance in United States in 2022?

travel insurance

There’s never been a better time to add travel insurance to your trip plans, especially with the Omicron variant of Covid adding extra uncertainty to travel. Whether you’re spending money on a long-awaited trip or a spur-of-the-moment getaway, travel insurance can save you money, time and frustration if things go wrong.

We have evaluated 46 plans to find the best travel insurance with the rating between 5-4. All the rating based on the research done by forbes.

AXA Assistance USA (5.0)

AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection.

Preferred PlanCovers Covid?Medical & evacuation limits per person
PlatinumYes$250,000/$1 million
ProsCons
Generous medical and evacuation limits.
“Cancel for any reason” upgrade available.
Top-notch baggage loss coverage of $3,000 per person
Generous missed connection coverage of $1,500 per person (but for cruises and tours only)
Covers lost ski days, lost golf rounds and sports equipment rental.
Includes concierge services such as restaurant and hotel referrals and reservations, luxury rental arrangements such as villas and charter planes, golf course information and more.
Travel delay and baggage coverage kicks in only after 12-hour delays

Cat 70 (5.0)

Cat 70’s Travel Plan has great medical and evacuation coverage that makes it worth a look, especially if the lower limits on certain other benefits don’t bother you.

Preferred PlanCovers Covid?Medical & evacuation limits per person
TravelYes$500,000/$500,000
ProsCons
Superior medical coverage of $500,000.
“Cancel for any reason” upgrade available.
Good hurricane and weather coverage.
Travel delay and baggage loss coverage are both on the low side at $500 per person.
Baggage delay coverage requires a 24-hour delay and has a low $200 per person limit.
No rental car coverage available.

GoReady (formerly April) (5.0)

While the medical coverage isn’t as robust as some other top plans, the low average prices for GoReady’s Pandemic Plus Plan make it worth considering if the medical benefit level works for you.

Preferred PlanCovers Covid?Medical & evacuation limits per person
Pandemic PlusYes$50,000/$500,000
ProsCons
Cancel for any reason” upgrade available.
Generous baggage loss reimbursement of $2,500 per person.
Good hurricane and weather coverage.
Covers financial default of a travel supplier after a 14-day waiting period.
Sports equipment loss is included in baggage coverage.
Superior pricing for the benefits included.
Medical expenses coverage of $50,000 is relatively low but may be sufficient for you.
Has a small medical deductible of $50 per occurrence compared to no deductible for most other plans.
No rental car coverage available.

HTH Worldwide (5.0)

HTH’s Trip Protector Preferred Plan has luxury-level benefits at a good price.

Preferred PlanCovers Covid?Medical & evacuation limits per person
Trip ProtectorYes$500,000/$1 million
ProsCons
Top-notch coverage limits for medical expenses and evacuation.
“Cancel for any reason” upgrade available.
Excellent trip interruption coverage of 200% of the trip cost.
Very good travel delay coverage of $2,000 per person after a 6-hour delay.
Excellent baggage loss coverage limit of $2,000 per person.
Baggage delay coverage requires a 12-hour delay.

John Hancock Insurance Agency (5.0)

John Hancock’s Gold plan has superior coverage but it also comes with a high average price.

John Hancock’s Silver plan has somewhat lower coverage levels but still deserves consideration because of its solid benefits.

Preferred PlanCovers Covid?Medical & evacuation limits per person
GoldYes$250,000/$1 million
ProsCons
Top-notch medical evacuation benefits.
“Cancel for any reason” upgrade available.
Travel delay benefits kick in after only a 3-hour delay.
Generous baggage loss coverage of $2,500 per person.
Excellent hurricane and weather coverage.
Includes coverage for sports equipment loss.
Includes $100,000 per person in 24-hour accidental death and dismemberment (AD&D) coverage
Pricey among the plans we analyzed but you buy superior benefits.
Baggage delay benefits require a 12-hour delay.

Nationwide (5.0)

While $150,000 in coverage for an accident or sickness isn’t superior, this plan offers an array of other very good benefits for a good price.

Preferred PlanCovers Covid?Medical & evacuation limits per person
PrimeYes$150,000 accident, $150,000 sickness/$1 million
ProsCons
Superior medical evacuation coverage limit.
“Cancel for any reason” upgrade available.
Generous trip interruption coverage of 200% of the trip cost.
Good travel delay coverage of $1,500 per person after a 6-hour delay.
Very good baggage loss coverage of $2,000 per person.
Good price for the level of benefits included.
Medical coverage is lower than most other top plans but might be sufficient for your needs.
Baggage delay coverage requires a 12-hour delay.

Seven Corners (5.0)

Seven Corners’ RoundTrip Choice plan has superior benefits across the board.

Preferred PlanCovers Covid?Medical & evacuation limits per person
PrimeYes$150,000 accident, $150,000 sickness/$1 million
ProsCons
Superior medical evacuation coverage limit.
“Cancel for any reason” upgrade available.
Generous trip interruption coverage of 200% of the trip cost.
Good travel delay coverage of $1,500 per person after a 6-hour delay.
Very good baggage loss coverage of $2,000 per person.
Good price for the level of benefits included.
Medical coverage is lower than most other top plans but might be sufficient for your needs.
Baggage delay coverage requires a 12-hour delay.

Tin Leg (5.0)

Tin Leg’s Gold plan has a very competitive average price for the generous level of benefits it provides. Check out the Tin Leg Adventure plan if you plan to do adventure activities.

Preferred PlanCovers Covid?Medical & evacuation limits per person
GoldYes$500,000/$500,000
ProsCons
Excellent medical and evacuation coverage limits.
“Cancel for any reason” upgrade available.
Good hurricane and weather coverage.
Includes coverage for sports equipment loss.
Competitively priced.
Baggage delay coverage doesn’t kick in until 24 hours of delay.
Baggage loss reimbursement is on the low end at $500 per person.
No rental car coverage option.

TravelSafe (5.0)

While its medical expenses coverage is low compared to other top plans, Travel Safes Classic plan has high limits for other coverage types within the plan.

Preferred PlanCovers Covid?Medical & evacuation limits per person
ClassicYes$100,000/$1 million
ProsCons
Superior coverage for medical evacuation at $1 million.
“Cancel for any reason” upgrade available.
Superior baggage loss coverage limits of $2,500 per person.
Excellent missed connection coverage of $2,500 per person after a 3-hour delay.
Very good hurricane and weather coverage.
$100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Trawick International (5.0)

The very competitive pricing for a good range of benefits make this plan worth consideration. Trawick’s Safe Travels Voyager plan is also worth a look because of its excellent benefits.

Preferred PlanCovers Covid?Medical & evacuation limits per person
Safe Travels First Class PlanYes$150,000/$1 million
ProsCons
Low average price.
Superior coverage for medical evacuation at $1 million.
“Cancel for any reason” upgrade available.
Excellent baggage loss coverage of $2,000 per person.
Medical expenses coverage is low at $150,000 compared to other top plans but might be sufficient for you.
Travel delay and baggage delay coverage both require a 12-hour delay.

USI Affinity Travel Insurance Services (5.0)

While pricing is higher than most other top plans, USI’s Diamond plan provides a variety of top-level benefits.

Preferred PlanCovers Covid?Medical & evacuation limits per person
DiamondYes$500,000/$1 million
ProsCons
Superior coverage levels for medical expenses and evacuation.
“Cancel for any reason” upgrade available.
Very good travel delay coverage of $1,500 per person.
Superior baggage loss coverage of $2,500 per person.
Good hurricane and weather coverage.
Includes some rental car coverage.
Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
Pricing is on the high side compared to other top plans.

AIG Travel (4.5)

Average prices are on the high side but the Travel Guard Deluxe plan can provide solid protections for many potential travel problems. Check out the plan’s optional bundles for adventure travel, pets and destination weddings.

Preferred PlanCovers Covid?Medical & evacuation limits per person
Travel Guard DeluxeYes$100,000/$1 million
ProsCons
Includes security evacuation coverage up to $100,000 for problems such as political events and natural disasters at your destination.
Generous medical evacuation coverage of $1 million.
Includes travel inconvenience benefits for a wide range of issues such as closed attractions, cruise diversions, hotel infestation and much more.
Generous baggage loss coverage of $2,500.
Includes concierge services to help with restaurant reservations, tee times, floral services and more.
“Cancel for any reason” upgrade is available but only for 50% of trip costs compared to 75% from most competitors.
Medical coverage of $100,000 is lower than top competitors but might be sufficient for your needs.
The plan has a relatively high average price but is packed with extras.

iTravelInsured (4.5)

iTravelInsured’s Travel SE plan comes at a great average price for solid benefits. The iTravelInsured Travel LX plan has the same benefits but also includes “cancel for any reason” coverage.

Preferred PlanCovers Covid?Medical & evacuation limits per person
Travel SEYes$250,000/$500,000
ProsCons
Generous travel delay coverage of $2,000 per person, but only after a 12-hour delay.
“Cancel for any reason” upgrade available.
Will cover extra kennel fees if your return trip is delayed and your pet needs to stay longer at a commercial kennel.
Financial default of a travel supplier is covered only after a 30-day wait, as opposed to 10 or 14 days from top competitors.

Do I Need Travel Insurance?

Here are some reasons you may need travel insurance:

You stand to lose a lot of money in non-refundable deposits if you cancel the trip. Trip cancellation is the coverage you want. It will cover 100% of the pre-paid money you’ll lose, as long as you cancel for a reason listed in the policy,

You’re traveling overseas and your health plan doesn’t have global coverage. Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. Check your health plan details to see what it provides. Travel medical insurance fills the gap.

You’re going to a remote area. If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You want emergency backup. The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

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