Best Annual Travel Insurance Plans

What separates the best annual travel insurance plans?

Seven Corners leads at 8.5, with $500,000 emergency medical and $1 million evacuation — the highest limits in this ranking — for $168. Allianz Travel Insurance follows at 8.0 for $172, and its SmartBenefits feature pays fixed delay claims automatically from flight data. Travel Guard scores 7.9 at $164, and its Deluxe plan lifts medical to $100,000 and evacuation to $1 million. WorldTrips is the cheapest at $156 and scores 7.8, with a 21-day pre-existing window — the longest here.

Price barely separates them: $156 to $172. What changes is what you get for it.

What should I check before buying an annual plan?

Scoring weights coverage at 35, claims and service at 25, price at 20 and flexibility at 20. Read your quote the same way.

• Medical and evacuation limits. Seven Corners tops out at $500,000 medical and $1 million evacuation. Allianz Prime is $50,000 medical, and Premier lifts it. Travel Guard Preferred is $50,000 medical; Deluxe raises it. WorldTrips mid plan is $150,000 medical; Elite raises it.
• Which tier you're actually buying. Seven Corners' basic plan limits are far lower than its headline numbers, so confirm the tier before you pay.
• Cancellation flexibility. Seven Corners offers CFAR at 75% and interruption-for-any-reason. Travel Guard's CFAR refunds only 50%. Allianz has no true cancel-for-any-reason; "Cancel Anytime" is Premier-only.
• Pre-existing waivers. WorldTrips gives a 21-day window, the longest here. Seven Corners uses a 20-day window.
• Claims process. Allianz pays some delay claims automatically. WorldTrips claims are paper-heavy compared with Faye.

Seven Corners

For travelers who want the highest medical and evacuation limits in this ranking and CFAR at 75%, at $168.

Allianz Travel Insurance

For anyone who wants automatic delay payouts and a familiar name, from $172. Kids 17 and under are free on OneTrip Prime.

Travel Guard

For pet, wedding and adventure-sport riders, plus an AIG assistance network in 200+ countries, at $164.

WorldTrips

For long trips abroad on a budget — Atlas Travel medical-only plans run for months at very low cost, and the 21-day pre-existing window is the longest here, at $156.

Seven Corners suits travelers who want the highest medical and evacuation limits here, while Allianz Travel Insurance fits anyone who values automatic delay payouts. Travel Guard is the pick for add-on riders like pets and weddings, and WorldTrips works for long, low-cost trips abroad.