Best Annual Travel Insurance Plans
Only the plans that fit "best annual travel insurance", quoted on the same sample trip and scored on their published coverage limits.
Last Updated: Sep 2026Suggested travel insurance for you
AAllianz Travel Insurance
Good
8.0
AllTrips annual plans from about $150 cover a ye...Learn More
We Recommend
SSeven Corners
Very Good
8.5
$500,000 emergency medical and $1 million evacua...Learn More
ATravel Guard
Fair
7.9
Riders for pets, weddings, adventure sports, ren...Learn More
for annual
Travel insuranceTravel insurance for seniorsTravel medical insuranceTravel insurance for cruisesTravel insurance for europeCancel for any reason travel insuranceTravel insurance for pre existing conditions
1
Seven Corners (Trip Protection Choice) - The highest medical and evacuation limits in the ranking on a plan that still prices in the middle of the pack Tested Aug 2026 by Team RankingRight
- $500,000 emergency medical and $1 million evacuation — top of the ranking
- CFAR at 75% and interruption-for-any-reason available
- Pre-existing waiver with a 20-day window
Very Good
8.5
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$168 · checked Sep 11
Trip Protection Choice
500000 USD
2
Allianz Travel Insurance (OneTrip Prime) - The biggest name in the business, with the best annual plans and a proactive app that pays some delay claims automatically Tested Aug 2026 by Team RankingRight
- AllTrips annual plans from about $150 cover a year of trips
- SmartBenefits pays fixed delay claims automatically from flight data
- Kids 17 and under free on OneTrip Prime
Good
8.0
Visit Site
$172 · checked Sep 11
OneTrip Prime
50000 USD
3
Travel Guard (Preferred) - AIG's plans with the widest choice of add-ons — including pet, wedding and adventure riders — and a strong assistance network Tested Aug 2026 by Team RankingRight
- Riders for pets, weddings, adventure sports, rental cars, name-your-family-member
- Deluxe plan lifts medical to $100,000 and evacuation to $1 million
- AIG assistance network in 200+ countries
Fair
7.9
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$164 · checked Sep 11
Preferred
50000 USD
4
WorldTrips (Atlas Journey Preferred) - Atlas Travel medical plans from about a dollar a day for long trips abroad, and Atlas Journey for full trip protection Tested Aug 2026 by Team RankingRight
- Atlas Travel medical-only plans for months abroad at very low cost
- $1 million evacuation on Journey Preferred
- 21-day pre-existing window — longest here
Fair
7.8
Visit Site
$156 · checked Sep 11
Atlas Journey Preferred
150000 USD
Frequently asked questions about travel insurance
Do I need travel insurance?
For medical cover abroad, almost always: most US health plans, including Medicare, pay little or nothing outside the country, and an evacuation can cost $50,000 or more. Trip-cancellation cover is worth it when the non-refundable cost is more than you would shrug off.
What does "cancel for any reason" mean?
CFAR is an add-on that refunds typically 50–75% of the trip cost if you cancel for a reason the standard policy does not cover. It usually must be bought within 14–21 days of the first trip payment and costs about 40–50% more. It is not available in every state.
What is a pre-existing condition waiver?
Standard policies exclude conditions that were treated or changed in the 60–180 days before purchase. Buying within the insurer's window (usually 14–21 days after the first trip payment) and insuring the full trip cost waives that exclusion.
How do you rank travel insurance?
We read each plan's certificate of insurance, get a quote for the same sample trip, and check complaint ratios in NAIC data. Coverage is 35% of the score, claims and service 25%, price 20%, flexibility 20%. We are not licensed agents; verify with the insurer.
*Scores: Coverage 35 · Claims & service 25 · Price 20 · Flexibility 20; score = Σ ÷ 10, ties break on the earlier test date. Prices shown were checked on the date beside each and may change. Affiliate links are added only after a score is locked and can never change it. How we rank.
#1 Seven Corners8.5 · $168
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