Best Travel Insurance Companies of 2027

What separates the best travel insurance picks?

Two insurers sit at the top of this ranking. Faye and Seven Corners both score 8.5, and they get there in different ways. Faye quotes $149 on the sample trip and pays approved claims into the Faye Wallet in days, with $250,000 medical and $500,000 evacuation. Seven Corners quotes $168 and carries $500,000 emergency medical and $1 million evacuation — the highest limits here — plus CFAR at 75% and a pre-existing waiver with a 20-day window.

Tin Leg scores 8.2 at $158, with $500,000 primary medical that pays before your health plan and a 75% CFAR option. Allianz scores 8.0 at $172 and is the pick for frequent travellers: AllTrips annual plans start from about $150 and cover a year of trips, and SmartBenefits pays fixed delay claims automatically from flight data.

Travel Guard and Travelex both score 7.9. Travel Guard ($164) has the widest add-on list — pets, weddings, adventure sports, rental cars. Travelex is the cheapest quote at $139 and covers kids 17 and under free on Travel Select. WorldTrips scores 7.8 at $156, with Atlas Travel medical-only plans for months abroad and a 21-day pre-existing window.

What should I check before buying travel insurance?

Coverage carries the most weight in our scoring (35 points), so read the medical and evacuation limits on the exact tier you are buying, not the headline plan.

• Seven Corners' basic plan limits are far lower than its top tier.
• Allianz Prime medical is $50,000; Premier lifts it.
• Travelex's $50,000 medical is low for international trips — buy the upgrade.
• WorldTrips' mid plan carries $150,000 medical; Elite raises it.

Claims and service is worth 25 points. Faye's app claims and wallet payout are the fastest we tested; WorldTrips is paper-heavy by comparison, and Travelex handles claims by web form and email. Check flexibility too (20 points): Travel Guard's CFAR refunds only 50%, and Allianz has no true cancel-for-any-reason — "Cancel Anytime" is Premier-only. Faye, Tin Leg and WorldTrips have no annual plan, so frequent travellers should look at Allianz.

If you want the fastest claims

Faye, at $149, for app filing and wallet payout. US residents only.

If you want the highest medical limits

Seven Corners, at $168, with $500,000 medical and $1 million evacuation. Tin Leg, at $158, matches the medical limit and pays primary.

If you travel several times a year

Allianz, at $172, for AllTrips annual plans from about $150.

If you are travelling with children

Travelex, at $139, covers kids 17 and under free with an insured adult.

If you need a specific rider

Travel Guard, at $164, for pet, wedding and adventure add-ons.

If you are abroad for months

WorldTrips, at $156, for Atlas Travel medical-only plans and the 21-day pre-existing window.

Faye suits travellers who want claims filed in an app and paid to a wallet, while Seven Corners suits anyone who needs the highest medical and evacuation limits. Allianz is the one to pick if you buy an annual plan, Travelex if you travel with children, and WorldTrips if you are abroad for months.