Best Travel Insurance Plans for 2026 – Overall Winners
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: April 17, 2026
Key Takeaways
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We analyzed 100+ policies, as well as all Squaremouth marketplace sales data year-to-date, and found the best travel insurance plans of 2026 are offered by: Travel Insured International, Tin Leg, Seven Corners, & IMG.
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The best travel insurance plans are typically ones that provide coverage for trip cancellations, delays, medical emergencies, & baggage loss.
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These comprehensive policies typically cost between 4-10% of your total trip cost, but you can find cheaper options by comparing plans online
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Try our our travel insurance quote tool to compare plans & prices from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
Our Most Popular Travel Insurance Plans
After evaluating all providers and plans available on the Squaremouth marketplace, Travel Insured International’s FlexiPAX plan stands out as the most frequently chosen policy across 15 categories, making it our pick for the best travel insurance plan for 2026.
Below are additional recommendations for the best trip insurance for various demographics, travel habits, and group types:
- Strongest Coverage-To-Cost Ratio, Travel Insured International – FlexiPAX
- Most Well-Rounded Plan, Tin Leg – Gold
- Highest Medical Limits, Seven Corners – Trip Protection Choice
- Standout Option for Older Travelers, IMG / iTravelInsured – iTravelInsured Choice
- Solid Budget-friendly Option, Tin Leg – Luxury
Unlike other industry lists, our list of top travel insurance plans is built around our internal data from real customer purchase habits, which means our rankings reflect what actual travelers are buying.
To build our list of the best overall travel insurance companies and plans for 2026, we reviewed the winners from over 15 categories and tallied up which policies were most frequently purchased across all categories (see below). Rather than focusing our selection solely on policies with the highest sales volume, this methodology ensures our overall list of the best travel insurance plans for 2026 highlights ones that perform across a wide range of categories and traveler needs. Eligibility for plans appearing in this list is based solely on internal data and is not influenced by our business relationships, insurance companies, affiliates, or other external parties.
Our in-house editors and product specialists reviewed each product against the full plan offering on our marketplace, taking into account customer popularity, demographics, coverage inclusions, limits, and other policy features to highlight what each product may be best-suited for.
See the full list of categories we evaluated and their respective methodologies:
- Best International Travel Insurance
- Best Domestic Travel Insurance Companies
- Best Cruise Insurance
- Best Flight Insurance
- Best Travel Medical Insurance
- Best Travel Insurance for Seniors
- Best Travel Insurance for Families
- Best Adventure Travel Insurance
- Best Luxury Travel Insurance
- Best Value Travel Insurance
- Best Travel Insurance for Pre-Existing Conditions
- Best Cancel For Any Reason Travel Insurance
- Best Medical Evacuation Insurance
The Best Overall Travel Insurance Plans in Detail
Strongest Coverage-To-Cost Ratio
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Featured as a top pick across 11 different categories
One of the most customizable policies available on Squaremouth, with optional CFAR, IFAR, and rental car coverage
Offers free coverage for up to 9 children per insured adult
Travel Insured International’s FlexiPAX plan is one of the top-selling plans on Squremouth thanks to its strong coverage limits, ample customization options, and free coverage for kids under 18.
This policy comes with $100,000 of Primary Emergency Medical coverage, with the option to increase these limits to $500,000 via a Medical Upgrade Bundle. You’ll also get $500,000 of Emergency Medical Evacuation coverage, which can be extended to up to $2,000,000 of coverage.
This policy is also a great option for covering expensive vacations thanks to it 100% trip cancellation reimbursement and 150% trip interruption reimbursement coverage. It can reimburse you for trips costing up to $100,000 per person, making it one of the best trip cancellation insurance policies available on Squaremouth.
This policy has one of the longest acceptance periods for qualifying for pre-existing condition coverage, up to 21 days after yourinitial trip deposit.
It also comes with complimentary concierge services that can elevate your trip by helping you make fine dining dinner reservations, book golf tee times, or purchase tickets to an event.
Most Well-Rounded Plan
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Featured as a top pick across 10 different categories
The #1 selling travel insurance plan on Squaremouth in 2026
Among the highest customer satisfaction ratings of any provider on Squaremouth
Tin Leg Gold consistently ranks as the best-selling policy on Squaremouth.
This policy offers very well-rounded coverage in all of the most important areas, including strong medical and cancellation coverage, 24/7 emergency support, and an award-winning customer service team.
Tin Leg Gold comes with $500,000 of Emergency Medical and Medical Evacuation coverage, which is on the higher end of the spectrum, and Includes 100% Trip Cancellation reimbursement for trips costing up to $30,000 per traveler. You’ll also receive up to 150% trip interruption reimbursement protection.
If you purchase this plan within 14 days of your initial trip deposit, you may also qualify for valuable benefits like Cancel For Any Reason and Pre-Existing Condition coverage. Tin Leg Gold can cover you for over 250 sports activities, which are commonly excluded from other policies, making it a great option for active travelers.
Overall, this plan comes with coverage and reimbursement rates to cover just about any type of trip you have in store.
Highest Medical Limits
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers the highest baseline medical limits of any plan on Squaremouth
Strongest combined evacuation coverage (medical and non-medical) of any plan on our site
Optional CFAR and IFAR coverage for added flexibility and extended protection
The Seven Corners Trip Protection Choice plan is one of the strongest policies on our site for medical and evacuation protection. This plan caters to those who want the strongest coverage available and are willing to pay a bit extra for top-tier coverage levels.
Trip Protection Choice offers the highest baseline limits of any plan on our site, including up to $500,000 of Primary Medical coverage and $1,000,000 of Emergency Medical Evacuation coverage.
These limits are also some of the highest in the industry, meaning you will have top-level protection wherever you plan to travel. This policy also includes $20,000 of Non-medical Evacuation protection, 100% trip cancellation reimbursement coverage, and 150% trip interruption reimbursement protection for trips costing up to $100,000.
Although it’s not the most affordable plan on our list, it offers extremely comprehensive coverage in nearly every category, including the policy’s trip delay coverage, baggage protection, missed connection coverage, and more.
Standout Option for Older Travelers
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The #2 selling travel insurance policy on Squaremouth
Covers travelers up to 99 years old, whereas other providers stop at 75 or 80
Offers adequate limits for most travelers and trip types
IMG’s iTravelInsured Choice offers great coverage at a competitive price point, which has made it one of the top-selling policies on our site.
With this policy, you’ll get coverage of up to $100,000 for medical emergencies and up to $500,000 for emergency medical evacuations. iTravelInsured Choice is especially well-liked among cruisers and older travelers as it offers key benefits for these groups, including one of the longest windows for qualifying for pre-existing condition coverage at 21 days, and no age limit.
Similar to the others on our list, it offers 100% trip cost reimbursement for cancellations and 150% trip cost reimbursement for trip interruptions and can be upgraded to include optional CFAR and IFAR coverage, which are becoming increasingly important in 2026.
Some travelers may find they need higher medical limits on certain types of trips, like high-risk adventure travel, but the iTravelInsured Choice’s medical limits meet and exceed our minimum recommended coverage levels for most travelers and trip types.
Overall, this policy is a great option for cruisers, older travelers, and those looking for comprehensive protection abroad.
Solid Budget-Friendly Option
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 150% of trip cost
One of the most affordable comprehensive policies on Squaremouth
Great for budget-conscious travelers looking for comprehensive coverage
High travel delay coverage limits and missed connection protection
Tin Leg Luxury derives its name from being able to reimburse you for cancelling expensive trips costing up to $100,000 per traveler. That said, it’s actually one of the most affordable policies on our marketplace.
Tin Leg Luxury offers $100,000 of Primary Medical coverage and up to $250,000 of Emergency Medical Evacuation coverage, which meet our typical recommended limits for cruises and trips abroad. That said, you can upgrade your medical coverage limits on this policy for an optional fee.
This policy comes with the same great 100% and 150% reimbursement limits for cancellations and interruptions found on the other top policies in this list, and offers optional CFAR, IFAR rental car damage coverage upgrades.
If travel delay coverage is important for you, this policy offers some of the strongest protection of plans on our site at a maximum of $2,000 for delays of 6+ hours, and also covers you for missed connections.
Overall, this policy is a great option for affordable, comprehensive coverage on international or domestic trips, while ensuring you still receive solid medical coverage limits.
How the Best Travel Insurance Plans Compare on Coverage
These travel insurance policies are some of the best on the market, in part because they all offer:
- At least $100,000 of medical coverage
- At least $250,000 of medical evacuation coverage
- 100% trip cost reimbursement for cancellations
- 150% trip cost reimbursement for interruptions
- Optional CFAR upgrades
- Pre-existing condition waivers
Here is a closer look at how each of these policies’ coverage limits differ.
| Travel Insurance Benefit | Travel Insured International FlexiPAX |
Tin Leg Gold |
Seven Corners Trip Protection Choice |
IMG iTravelInsured Choice |
Tin Leg Luxury |
|---|---|---|---|---|---|
| Emergency Medical | Up to $100,000 | Up to $500,000 | Up to $500,000 | Up to $100,000 | Up to $100,000 |
| Medical Evacuation | Up to $500,000 | Up to $500,000 | Up to $1,000,000 | Up to $500,000 | Up to $250,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $500 per person after a 6-hour delay | $2,000 per person after a 6-hour delay | $2,000 per person after a 6-hour delay | $2,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay | $500 per person after a 3-hour delay | $500 per person after a 3-hour delay | (Cruise and tour only) $500 per person after a 6-hour delay | $500 per person after a 3-hour delay |
| Baggage Loss | $750 per person | $500 per person | $2,500 per person | $1,000 per person | $100 per person |
| Baggage Delay | $300 per person after a 6-hour delay | $200 per person after a 24-hour delay | $500 per person after a 6-hour delay | $300 per person after a 6-hour delay | $200 per person after a 24-hour delay |
| CFAR Coverage | Optional | Optional | Optional | Optional | Optional |
Of the policies on our list, Seven Corners Trip Protection Choice offers the highest coverage limits in nearly every category. That said, several of these policies, like Tin Leg Luxury and Travel Insured International FlexiPAX can be upgraded to offer higher limits if needed.
Best Travel Insurance By Category
Although these 5 policies appear the most frequently across our review of the top policies by category, there are hundreds of great options for other policies on Squaremouth.
If you are looking for a specific type of coverage, have a look at the top policies from each of the categories we reviewed. Below, you can also find a link to each page for more detailed information.
- Seven Corners Trip Protection Choice
- Tin Leg Gold
- Travel Insured International FlexiPAX
- Detour Insurance @the edge
- Tin Leg Standard
- Seven Corners Trip Protection Basic
Best International Travel Insurance
- Tin Leg Gold
- Tin Leg Luxury
- Travel Insured International FlexiPAX
Best Domestic Travel Insurance Companies
- Berkshire Hathaway Travel Protection ExactCare Value
- Tin Leg Luxury
- Seven Corners Trip Protection Basic
- IMG iTravelInsured Choice
- Seven Corners Cruise
- Tin Leg Luxury
- John Hancock Insurance Agency, Inc. Gold
- Berkshire Hathaway Travel Protection LuxuryCare
- Travel Insured International Worldwide Trip Protector
Best Travel Insurance for Seniors
- IMG iTravelInsured Choice
- Tin Leg Luxury
- Tin Leg Gold
Best Travel Insurance for Seniors Over 70
- IMG iTravelInsured Choice
- Tin Leg Gold
- Travel Insured International FlexiPAX
Best Travel Insurance for Seniors Over 80
- IMG iTravelInsured Choice
- Generali Global Assistance Preferred
- Seven Corners Trip Protection Choice
Best Travel Insurance for Families
- Travel Insured International FlexiPAX
- Berkshire Hathaway Travel Protection ExactCare
Best Adventure Travel Insurance
- Tin Leg Adventure
- battleface Discovery
- Tin Leg Gold
- Travel Insured International FlexiPAX
- Generali Global Assistance Standard
- Tin Leg Gold
Best Travel Insurance for Pre-Existing Conditions
- Seven Corners Trip Protection Choice
- Tin Leg Gold
- IMG iTravelInsured Choice
Best Cancel For Any Reason Travel Insurance
- Travel Insured International FlexiPAX
- Seven Corners Trip Protection Basic
- Tin Leg Gold
Best Medical Evacuation Insurance
- Tin Leg Gold
- Travel Insured International FlexiPAX
- Seven Corners Trip Protection Choice
Most Important Travel Insurance Coverage for 2026
The best travel insurance plans offer comprehensive coverage, meaning they protect you for medical scenarios as well as cancellation, interruption, delays, bags, and more.
Here are some of the most important coverages to consider for 2026 when comparing policies:
Cancel for Any Reason coverage is quickly becoming one of the most important coverages to have in place for 2026, thanks to global events such as the military actions seen around the world, global fuel shortages, potential airline insolvencies, storms and natural disasters, and more.
All of these events may be excluded from standard cancellation coverage, which is where CFAR comes in.
CFAR coverage is an optional add-on that can partially reimburse your prepaid, non-refundable trip costs when you cancel for reasons excluded by your standard cancellation coverage. It essentially extends your cancellation protection to allow you the utmost flexibility during these uncertain travel times.
It’s important to note that CFAR is a time-sensitive benefit that must be purchased 10-14 days after your initial trip deposit. Adding this benefit will increase your policy’s premium by 40-50%.
Emergency Medical Coverage is arguably the most important protection to have in place when taking an international trip, since U.S. healthcare policies, like Medicare and employer-sponsored plans, don’t offer coverage overseas.
The Emergency Medical benefit acts as health insurance while you travel, covering hospital stays, doctor visits, and any other unexpected medical expenses you may face while you’re away. As a baseline, you should consider plans that offer at least $50,000 in Emergency Medical coverage. Exclusions, deductibles, and coverage limits will vary by policy.
Medical Evacuationcoverage works in tandem with emergency medical coverage to provide you with emergency transportation to the nearest adequate medical facility. This coverage is especially important if you’re taking a cruise, participating in adventurous activities, or visiting a remote destination.
This coverage is also extremely important as the cost of medical evacuations can reach into the hundreds of thousands of dollars. We recommend policies with coverage limits of at least $100,000 of Medical Evacuation coverage to ensure you are adequately covered.
We have seen increased travel disruptions in 2026, and flight cancellations are on the rise. Airline passenger rights only go so far, and won’t reimburse you for added trip expenses if your flight is cancelled. This means things like hotels, tours, excursions, rental cars, and more.
Trip Cancellation coverage can protect all of your prepaid, non-refundable trip costs if you must cancel your travel plans for a covered reason. This benefit essentially reimburses you for expenses you’d otherwise lose if you are forced to cancel your trip.
Most Trip Cancellation plans will reimburse travelers who are forced to cancel at the last minute due to an unforeseen injury or illness, the death of a family member, or natural disasters at your destination, among other reasons.
Last year, roughly a quarter of all flights were delayed.
Luckily, most travel insurance policies include Travel Delay coverage, which provides reimbursement for food and accommodations if your travel schedule is significantly delayed.
Many policies also include Missed Connection coverage that can reimburse you if a delay forces you to miss a connecting flight and make new travel arrangements.
Last year, airlines mishandled nearly 2.5 million bags. The best travel insurance policies cover lost luggage and personal items that are damaged or stolen, as well as offering Baggage Delay coverage.
If your luggage is mishandled en route to your destination, these benefits can reimburse you for clothes, toiletries, and other necessities.
Pre-existing medical conditions are commonly excluded from travel insurance coverage. However, the best travel medical plans will include a Pre-Existing Condition waiver, ultimately removing this exclusion, meaning you’ll be eligible for coverage.
With Pre-Existing Condition coverage, you can be reimbursed for medical care relating to a medical issue that was prevalent when you purchased your policy. It’s important to note that this is also a time-sensitive benefit, and pre-existing medical conditions may be subject to a lookback period.
Depending on your travel plans, you may want to consider additional, less common travel insurance benefits:
- Adventure Sports Coverage: Provides medical coverage if you get injured while participating in an activity typically excluded from basic plans, such as skiing, scuba diving, hiking, and skydiving.
- Sports Equipment: Provides reimbursement if your personal sports equipment is lost, stolen, damaged, or delayed during a covered trip.
- Rental Car Damage: Often available as an add-on, this benefit will cover damage, vandalism, and theft of a rental car up to a specified amount.
- 24 Hour Emergency Assistance: All travel insurance providers on Squaremouth offer travel assistance services to support you for the duration of your trip.
Tips on Finding the Best Travel Insurance Policy For Your Trip in 2026
There are more ways to protect your trip than ever. Knowing what to focus on can save you time and money when looking for a policy. Here are a few essential tips to consider when you begin your search:
Review Your Itinerary
Your travel plans will play a significant role in determining which policy is the right fit for you. Understanding where you’re going, how you’re getting there, and what you plan on doing while you’re away will help you identify the areas of your trip that pose the most significant risks.
For example, a travel insurance policy designed to cover adventure activities may not be needed if you plan on lounging on the beach. If your trip involves connecting flights, you should focus on policies that prioritize higher coverage for delays and missed connections.
Determine What Coverage You Already Have
You may already have some form of travel protection without knowing it. For example, many credit cards now include travel benefits, like Trip Cancellation and Travel Delay coverage, to attract new customers and provide existing cardholders with financial security while they’re away from home.
It’s important to note that credit cards rarely offer medical coverage, so they are not seen as a substitute for standard travel insurance. If you have existing coverage, you can purchase a travel insurance policy to fill any coverage gaps or have more peace of mind when you travel.
Compare Policies From Multiple Travel Insurance Companies
The only way to know if you’re getting the best trip insurance for your money is to compare plans and coverage amounts from multiple providers. Things like premium, benefits, and coverage limits can vary dramatically from one plan to the next.
As a rule of thumb, we recommend comparing plans from at least 3-4 different travel insurance companies before you make a purchase. Using a travel insurance comparison tool like Squaremouth allows you to easily see how plans compete side-by-side.
Choose Reliable Providers Backed by Reviews
Reliability is one of the most important factors to consider when choosing trip protection. All travel insurance companies on Squaremouth have been carefully vetted to ensure we offer you the most trustworthy options.
You can read our verified customer reviews for each provider on our site, which offer insight into real travelers’ experiences with customer support and claims. We also provide insight into each provider’s AM Best Rating, which demonstrates a company’s financial viability. All of these elements can help you choose the best travel insurance company for you.
What Type of Travel Insurance Is Right For Me?
Trip protection can come in multiple forms. However, from a bird’s-eye view, there are two main types of coverage options you should know about when you buy travel insurance.
Single-Trip Insurance Coverage
Single-trip plans are by far the most popular among travelers and will be the type of policy you encounter most often. Single-trip travel insurance covers you for the entirety of one trip, from the moment you leave home to the moment you return, regardless of how many destinations you visit along the way.
Single-trip plans provide a simple solution to travelers who want financial protection and peace of mind heading into a trip. If you want to protect your trip costs, single-trip plans are the only type of travel insurance that will include Trip Cancellation and Trip Interruption coverage.
Annual Travel Insurance
In the past year, thousands of travelers used Squaremouth to purchase annual travel insurance, also known as multi-trip travel insurance. Rather than protecting a single, specific trip, this type of coverage is designed to provide year-round coverage regardless of how many trips you take.
This type of coverage can be cost-effective if you travel at least three times per year, and it offers the convenience of not having to purchase a separate policy each time you take a trip. Annual plans often include strong medical coverage, but rarely offer cancellation benefits.