Travel Insurance Providers – If you’re planning to head off on an adventure, whether it’s a quick weekend getaway or a months-long trek around the world, one of the most important things you can do is make sure you’re covered with travel insurance. I’ll admit, I used to think I didn’t need it. “I’m just going to a beach resort,” I’d say. “What could go wrong?” And then, I broke my ankle on a hiking trail and had to be airlifted out of the mountains. Let’s just say, it was a rude awakening.
Since then, travel insurance has become a non-negotiable part of my trip planning process. But not all travel insurance providers are created equal, so it’s important to do your research and find one that fits your specific needs. After testing out a few, here are my top picks for 2025’s best travel insurance providers based on coverage, ease of use, and customer service.
2025’s Best Travel Insurance Providers for Your Next Adventure
1. World Nomads: Best for Adventure Seekers
If you’re an adrenaline junkie like me (or even if you just love exploring off-the-beaten-path destinations), World Nomads is the way to go. This company is specifically known for covering adventurous activities like hiking, rock climbing, scuba diving, and even snowboarding. When I first used World Nomads for a trip to Costa Rica (I had big plans for ziplining, surfing, and maybe even a little white-water rafting), I was impressed by the comprehensive coverage they offered for those kinds of activities.
Their website is easy to navigate and gives you instant quotes, so you can quickly figure out how much you’ll be paying for your policy. They also have great customer service, which, trust me, you’ll appreciate if you ever need to file a claim. I did have to call them once for a minor issue, and they were super helpful, walking me through everything. World Nomads also has 24/7 emergency assistance, which is a huge plus if you’re traveling to more remote places. Just know that their coverage can get a little pricey depending on your activities and the region you’re traveling to, but for peace of mind on more dangerous adventures, it’s worth it.
2. Allianz Travel: Best for Family-Friendly Coverage
Traveling with family or friends? Allianz Travel Insurance is one of the best options for covering multiple people under one policy. I took a big family trip to Europe a couple of years ago (total of seven people, ranging from kids to grandparents), and Allianz made it super easy to cover everyone under one plan.
Their plans are pretty customizable, and they offer a variety of options depending on what kind of coverage you need. We went with the “OneTrip Premier Plan,” which included coverage for trip cancellations, medical emergencies, and even lost luggage. And let me tell you—losing luggage with three kids in tow is a nightmare. Allianz was incredibly responsive and reimbursed us for the delay in getting our bags back, which made a stressful situation much easier to handle. One of the reasons I recommend Allianz is their strong reputation for customer service, plus they have a huge network of emergency providers worldwide.
3. Travelex Insurance: Best for Budget Travelers
Let’s face it—travel can get expensive, and while you know you should have insurance, it’s tempting to skip it when you’re on a tight budget. I’ve been there. But I’ve found that Travelex Insurance offers a nice balance between affordability and comprehensive coverage.
When I used Travelex for a budget-friendly trip to Southeast Asia, I was able to secure a policy that covered medical emergencies, trip interruption, and even some coverage for lost baggage without breaking the bank. Their “Travel Basic” plan was especially appealing because it’s designed for more economical trips while still providing solid protection. And while it doesn’t cover things like extreme adventure sports, it does cover the basics, so you can travel stress-free without paying for extras you don’t need.
Travelex is also known for offering a “Cancel for Any Reason” option, which gives you flexibility if your plans change unexpectedly. This came in handy when I had to unexpectedly postpone a trip. Just keep in mind that while Travelex is affordable, their coverage might not be as extensive as some of the pricier options.
4. AXA Travel Insurance: Best for Comprehensive Coverage
If you want peace of mind that covers just about anything that could go wrong during your trip, AXA Travel Insurance might be the one for you. I used AXA last year when I was heading to Japan and needed a plan that would cover everything from medical emergencies to trip cancellations and even lost documents. Their policies offer high coverage limits and include a wide range of benefits, including coverage for COVID-related issues (which, let’s be honest, is still something we all need to think about).
AXA has a great reputation for handling claims efficiently, and their plans are fairly customizable. I opted for their “Platinum Plan,” which covered things like emergency evacuation, rental car damage, and even some trip delay compensation. It’s a bit pricier, but honestly, the peace of mind I got knowing that I was fully covered for almost anything was worth every penny.
What I really appreciated about AXA is how they break down the details of the policies clearly on their website. It’s easy to compare coverage options and choose what fits your needs without getting overwhelmed by jargon.
5. InsureMyTrip: Best for Customizable Plans
If you’ve got specific travel needs or just want to shop around a bit, InsureMyTrip is a great place to start. It’s actually a travel insurance marketplace, so you can compare policies from different providers all in one place. When I used it for a trip to Australia, I loved that I could tailor the coverage based on my activities (which included diving and a few tours). It let me find the most affordable plan with the best coverage for my trip.
The platform is easy to use—just plug in your trip details, and it pulls up a list of policies from various providers. InsureMyTrip is especially useful if you’re looking for something that fits very specific circumstances, like coverage for an extended stay or a multi-destination trip. Plus, their customer reviews are handy to get an idea of what kind of experience others have had.
Final Thoughts: Don’t Skip the Insurance!
Trust me on this—travel insurance isn’t something you want to skimp on. The peace of mind you get knowing that you’re covered in case of an emergency is worth the cost. Whether you’re going for the thrill of an adventure, heading off on a relaxing vacation, or traveling with family, these five providers offer some of the best options for 2025.
Before you make your choice, take a good look at your itinerary, the activities you’ll be doing, and how much risk you’re willing to take on. Don’t forget to compare prices, read the fine print, and make sure the coverage fits your needs. Safe travels—and may your next adventure be stress-free!
