Faye (Faye Travel Insurance) - App-first insurance that pays approved claims to a digital wallet — the fastest claims process we tested, with strong medical limits Tested Aug 2026 by Team RankingRight
- File and track claims in the app; approved claims paid to the Faye Wallet in days
- $250,000 medical, $500,000 evacuation
- Add-ons for CFAR, adventure sports, pet care and rental cars
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
Tin Leg (Gold) - Squaremouth's own brand: high medical limits, a 75% CFAR option and a zero-complaint guarantee backed by the comparison site Tested Aug 2026 by Team RankingRight
- $500,000 primary medical — pays before your health plan
- 75% CFAR available
- Squaremouth's Zero Complaint Guarantee mediates any claim dispute
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
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
Travelex Insurance Services (Travel Select) - Family-friendly pricing — children 17 and under are covered free on Travel Select — with solid mid-tier limits Tested Aug 2026 by Team RankingRight
- Kids 17 and under covered at no charge with an insured adult
- Second-lowest quote on our sample trip
- Upgrades for adventure sports, rental car and higher medical
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
What separates the picks on this page?
Two plans sit at the top with a score of 8.5: Faye at $149 and Seven Corners at $168. Faye wins on speed — you file in the app and approved claims land in the Faye Wallet in days — and carries $250,000 medical with $500,000 evacuation. Seven Corners goes the other way on limits: $500,000 emergency medical and $1 million evacuation, the highest in the ranking, 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. Its evacuation limit is half Seven Corners'. Allianz scores 8.0 at $172 and is the annual-plan pick: AllTrips plans from about $150 cover a year of trips, and SmartBenefits pays fixed delay claims automatically from flight data.
Travel Guard and Travelex both score 7.9, at $164 and $139. Travel Guard has the widest add-on list — pets, weddings, adventure sports, rental cars — and AIG assistance in 200+ countries. Travelex is the family buy: kids 17 and under ride free on Travel Select with an insured adult. WorldTrips scores 7.8 at $156, with Atlas Travel medical-only plans from about a dollar a day for months abroad and a 21-day pre-existing window, the longest here.
What should you check before buying?
The scoring weights coverage 35, claims and service 25, price 20 and flexibility 20 — so read the medical and evacuation numbers on the tier you are actually buying, not the headline plan.
- Medical limit: Allianz Prime is $50,000, Travel Guard Preferred is $50,000, Travelex is $50,000 and WorldTrips' mid plan is $150,000. Upgrades lift each of these.
- Evacuation: $1 million on Seven Corners, Travel Guard Deluxe and WorldTrips Journey Preferred; $500,000 on Faye; half of Seven Corners' on Tin Leg.
- Cancellation: CFAR is 75% at Seven Corners and Tin Leg, 50% at Travel Guard, and Allianz's "Cancel Anytime" is Premier-only.
- Claims route: app and wallet at Faye, automatic delay payment at Allianz, web form and email at Travelex, paper-heavy at WorldTrips.
- Eligibility and term: Faye is US residents only and has no annual plan; Tin Leg has no annual plan either.
Fast claims and app-first handling
Faye suits travelers who want to file and track in the app and get approved claims paid to a digital wallet.
Top medical and evacuation limits
Seven Corners fits trips where the medical and evacuation ceiling matters most, and Tin Leg covers the same ground with primary medical that pays before your health plan.
Several trips a year
Allianz is built for that, with AllTrips annual plans from about $150 and kids 17 and under free on OneTrip Prime.
Add-ons and family pricing
Travel Guard covers pets, weddings and adventure riders; Travelex covers kids 17 and under at no charge with an insured adult.
Long stays abroad
WorldTrips' Atlas Travel medical-only plans run from about a dollar a day for months away.
For fast, app-based claims, Faye at $149 is the pick; for the highest medical and evacuation limits, Seven Corners at $168. Allianz suits several trips a year with AllTrips annual plans, Travelex suits families with kids 17 and under covered free, and WorldTrips fits long stays abroad on medical-only plans.
Related guides
Questions about budget travel
*Scores: Coverage 35 · Claims & service 25 · Price 20 · Flexibility 20; score = Σ ÷ 10. 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.