Best Travel Medical Insurance

What separates the best travel medical insurance picks?

Two plans sit at the top with an 8.5: Faye at $149 and Seven Corners at $168. Faye's edge is the claims process — approved claims land in the Faye Wallet in days, and the plan carries $250,000 medical with $500,000 evacuation. Seven Corners counters with the highest limits in the ranking: $500,000 emergency medical and $1 million evacuation, plus CFAR at 75% and a pre-existing waiver with a 20-day window.

Tin Leg scores 8.2 at $158. It pays $500,000 primary medical before your health plan, offers 75% CFAR, and Squaremouth's Zero Complaint Guarantee mediates claim disputes. Its evacuation limit is half Seven Corners'. WorldTrips is the budget route at $156, scoring 7.8, with Atlas Travel medical-only plans for months abroad and a 21-day pre-existing window — the longest here.

What should I check before buying travel medical insurance?

Scoring weights coverage at 35, claims and service at 25, price at 20 and flexibility at 20. Read the limits on the tier you are actually buying, not the headline.

• Medical and evacuation limits: Seven Corners and Tin Leg both list $500,000 medical, but Tin Leg's evacuation is half Seven Corners' $1 million.
• Which tier: Seven Corners' basic plan limits are far lower than its top tier, and WorldTrips' mid plan carries $150,000 medical while Elite raises it.
• Claims route: Faye pays approved claims to a digital wallet in days; WorldTrips is paper-heavy by comparison.
• Eligibility and term: Faye is US residents only and has no annual plan; Tin Leg also has no annual plan.
• Pre-existing cover: Seven Corners uses a 20-day window, WorldTrips 21 days.

Faye — fast claims, app-first

Best for travelers who want to file and track claims in an app and get approved money into a digital wallet in days. Add-ons cover CFAR, adventure sports, pet care and rental cars. US residents only, no annual plan.

Seven Corners — highest limits

Best for trips where a large medical bill is the real risk. $500,000 emergency medical and $1 million evacuation top the ranking, with CFAR at 75% and interruption-for-any-reason available. Check the tier — the basic plan's limits are far lower.

Tin Leg — primary medical and dispute backup

Best for travelers who want medical bills paid before their health plan and a mediator if a claim is disputed. $500,000 primary medical, 75% CFAR, Squaremouth's Zero Complaint Guarantee. No annual plan.

WorldTrips — long stays on a budget

Best for months abroad on Atlas Travel medical-only plans at very low cost, or Atlas Journey for full trip protection with $1 million evacuation on Journey Preferred. The 21-day pre-existing window is the longest here.

Faye suits app-first travelers who want approved claims paid to a digital wallet in days, while Seven Corners suits anyone who needs the highest medical and evacuation limits in the ranking. Tin Leg fits shoppers who want $500,000 primary medical plus Squaremouth's Zero Complaint Guarantee, and WorldTrips fits long stays abroad on a tight budget.