Best Travel Insurance for International Trips
Planning an international trip is exciting—but unexpected events like flight cancellations, medical emergencies, or lost luggage can turn your dream vacation into a nightmare. That’s where travel insurance comes in.
In this guide, we’ll help you choose the best travel insurance for international trips in 2025, including what to look for, top providers, and how to find the best coverage for your needs.
🌍 Why You Need Travel Insurance for International Trips
Travel insurance protects you from unexpected financial losses while abroad. It gives you peace of mind knowing you’re covered if things go wrong—whether it’s a delayed flight or a sudden illness.
✅ Travel insurance typically covers:
- Emergency medical expenses
- Trip cancellations and delays
- Lost, stolen, or delayed luggage
- Emergency evacuation or repatriation
- 24/7 assistance services
✈️ Many countries now require proof of travel insurance before granting entry, especially after the COVID-19 pandemic.
🔍 What to Look for in International Travel Insurance
When choosing a policy, make sure it includes the following key features:
| Feature | Why It Matters |
|---|---|
| Medical coverage | Covers doctor visits, hospitalization, and prescriptions |
| Trip cancellation/interruption | Refunds if you must cancel or cut your trip short |
| Baggage protection | Reimburses lost or delayed luggage |
| 24/7 support | Assistance in emergencies (medical, legal, travel) |
| COVID-19 coverage | Still essential for many international destinations |
| Adventure sports coverage | If you plan on skiing, diving, or hiking |
🏆 Best Travel Insurance Providers for International Trips in 2025
Here are some of the most trusted and top-rated travel insurance companies:
1. SafetyWing – Best for Digital Nomads and Long Trips
- Monthly subscription plans
- Covers COVID-19, medical, and travel-related expenses
- Offers coverage for residents of 180+ countries
- Ideal for remote workers and frequent travelers
Pros: Flexible, affordable, global
Cons: Limited coverage for pre-existing conditions
2. World Nomads – Best for Adventure Travelers
- Covers 200+ activities including scuba diving and skiing
- Excellent for backpackers and solo travelers
- Flexible policies with strong medical coverage
Pros: Comprehensive coverage, adventure sports included
Cons: Slightly more expensive than basic plans
3. Allianz Travel Insurance – Best for U.S. Travelers
- Offers single-trip, multi-trip, and annual plans
- Strong global reputation
- 24/7 hotline, trip protection, and emergency coverage
Pros: Reliable brand, customizable plans
Cons: Some plans have lower baggage limits
4. IMG Global (Patriot Travel) – Best for Medical Coverage
- Excellent for long stays and expats
- Up to $1,000,000 in medical coverage
- Option for sports and hazardous activity coverage
Pros: High limits, strong medical support
Cons: Slightly complex application process
5. Axa Assistance USA – Best for Comprehensive Coverage
- Includes trip interruption, medical, and luggage loss
- Plans available for single trips, annual coverage, and families
- Covers COVID-19-related expenses
Pros: Reputable and widely accepted
Cons: Not ideal for budget travelers
💰 Average Cost of Travel Insurance
The cost of international travel insurance depends on:
- Your age
- Trip length and destination
- Coverage amount
- Add-ons (like extreme sports)
💡 Typically, expect to pay 4% to 10% of your total trip cost.
📝 How to Choose the Right Travel Insurance Plan
- Compare quotes from multiple providers (use sites like InsureMyTrip or Squaremouth)
- Read the policy wording carefully—understand what’s excluded
- Consider your trip type: leisure, business, backpacking, etc.
- Choose worldwide coverage if visiting multiple countries
- Check if your credit card already offers basic travel protection
🌐 Travel Insurance Tips for 2025
- Buy early: Some benefits like trip cancellation are time-sensitive
- Keep copies of your insurance policy and contact info
- Download the app of your insurer for easy access abroad
- Report issues promptly to increase chances of reimbursement
- Check entry requirements—some countries mandate travel insurance
❓ FAQs – Travel Insurance for International Trips
❔ Is travel insurance mandatory?
Some countries (like Schengen area countries, Cuba, and Thailand) require travel insurance for entry.
❔ Will it cover COVID-19?
Most modern policies now include COVID-related coverage—check your plan details.
❔ Can I get insurance after departure?
Yes, companies like SafetyWing and World Nomads offer insurance after you’ve already started your trip.
❔ Is travel insurance worth it?
Yes—a single hospital visit abroad can cost thousands. It’s better to be safe than sorry.
🔚 Final Thoughts
Investing in travel insurance for international trips is one of the smartest decisions you can make. It protects your health, your finances, and your travel plans—allowing you to explore the world with peace of mind.
📌 Choose a provider that fits your travel style and needs, compare plans, and travel smarter in 2025.