4 Best International Travel Insurance Companies in 2025
International travel is on the rise in 2025. In our recent survey that polled more than 10,000 travelers, roughly 66% expect to take at least two trips abroad this year. But with more adventure comes more risk.
When traveling overseas, even the smallest disruption can result in costly, unexpected expenses. Factoring in rising travel prices and medical costs around the world, getting trip insurance before exploring the globe can give you much-needed financial protection and peace of mind.
Squaremouth has helped 3+ million globetrotters ensure getaways to over 250 unique destinations. To help you find the right plan for your upcoming trip, we’ve highlighted some of the best international travel insurance policies on the market today.
Key Takeaways
After evaluating all 19 providers and 100+ plans available in the Squaremouth marketplace, we have selected Travel Insured International as the top company for international travel insurance in 2025. Below are our best international travel insurance plan recommendations to cater to more specific coverage options:
- Best Overall International Travel Insurance: Travel Insured International – FlexiPAX
- Most Affordable Coverage: Tin Leg – Luxury
- Most Flexible Coverage Options: Travel Insured International – FlexiPAX
- Best Medical Coverage: Seven Corners – Trip Protection Choice
What Factors We Considered
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific criteria outlined below.
- Best Overall International Travel Insurance: Over 1000 sales, destination not in the US, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 500 sales, destination not in the US, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by average premium from lowest to highest.
- Most Flexible Coverage Options: Over 500 sales, destination not in the US, CFAR and IFAR filters selected, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest to lowest number of policies sold.
- Best Medical Coverage: Over 500 sales, destination not in the US, primary medical filter selected, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest to lowest number of policies sold.
Best Overall International Travel Insurance
Travel Insured International
- Best Plan: FlexiPAX
- The most popular plan among overseas travelers, accounting for 19% of all international policy sales
- Comes standard with Squaremouth’s recommended $100,000 in Emergency Medical coverage, but can be upgraded to $500,000 with the provider’s unique ‘Medical Upgrade Bundles’
- Provides ample ways to tailor coverage to your specific international trip, such as adding benefits like Cancel For Any Reason, Interruption For Any Reason, and Rental Car Damage protection
- One of five policies that offers ‘Free Coverage for Kids’ pricing, allowing parents to protect their family vacations for less
Travel Insured International’s FlexiPAX is our top pick for international travel insurance due to its well-rounded coverage and popularity among customers insuring trips overseas. The plan’s Trip Cancellation benefits provide 100% protection for a wide range of unexpected events, ensuring that your travel expenses are safe in the event you need to cancel all or part of your trip. With $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage per person, FlexiPAX’s standard medical coverage exceeds Squaremouth’s minimum recommendations for international travel. These coverage limits can be upgraded with relevant bundles for further peace of mind.
Beyond that, FlexiPAX offers customers excellent options when it comes to enhancing their policy prior to checkout, through the ability to increase coverage amounts and add optional upgrades like CFAR, IFAR, or Rental Car Damage protection.
Most Affordable Coverage
Tin Leg
- Best Plan: Luxury
- The most affordable comprehensive plan for international trips, providing 100% cancellation coverage and $100,000 in Primary Emergency Medical for an average premium of just $115
- Can cover up to $100,000 in total travel expenses, making this the top option for budget travelers regardless of their trip cost
- Provides up to $2,000 in coverage if your travel plans are delayed 6+ hours, among the highest reimbursement rates of any policy for a trip delay
Despite its name, Tin Leg Luxury is not limited to those taking first-class flights or staying in 5-star accommodations. While it does cover up to $100,000 in travel expenses, the plan also offers among the most budget-friendly comprehensive coverage found on Squaremouth. Some policy highlights include $100,000 in primary Emergency Medical, $2,000 in Travel Delay protection, which is generous for a relatively low-cost policy.
For greater coverage, customers have the option to increase coverage limits the plan’s medical benefits for a small fee. Add-ons like CFAR and Rental Car Damage protection are also available for purchase.
Most Flexible Coverage Options
Travel Insured International
- Best Plan: FlexiPAX
- One of just five policies on Squaremouth to offer Cancel For Any Reason (CFAR), Interruption For Any Reason, and Rental Car Damage protection as optional add-ons, providing the most possible flexibility for travelers
- Offers multiple ‘Policy Upgrade Bundles’ that allow customers to increase coverage limits for key benefits like Emergency Medical, Medical Evacuation, Baggage Loss, and Baggage Delay
- Pre-Existing Condition coverage available to eligible travelers that purchase the plan within 21 days of their initial trip deposit, compared to the standard 15 days that most providers offer
No two trips overseas are the same, so it helps to find a policy that allows you to adapt your coverage based on your unique itinerary. That’s why FlexiPAX is our vote for the most flexible policy to cover international trips. This popular plan from Travel Insured International offers more customization options than almost any other plan on Squaremouth, which allows you to build a plan that works best for you and your unique plans.
In addition to a wide range of add-ons, FlexiPAX is one of very few plans that allow customers to increase their personal item protection by increasing coverage limits for benefits like Baggage Loss and Baggage Delay.
Best Medical Coverage
Seven Corners
- Best Plan: Seven Corners - Trip Protection Choice
- Offers higher medical coverage than any other comprehensive policy on Squaremouth.com, with up to $500,000 in Emergency Medical and $1,000,000 in Medical Evacuation
- Includes up to $20,000 for any non-medical evacuation, a benefit found in less than 25% of policies on Squaremouth
- Extends coverage for pre-existing medical conditions if the policy is purchased within 20 days of initial trip deposit, while the cut off for most plans is 14 or 15 days
For more than 30 years, travelers have been turning to Seven Corners for affordable, reliable international medical insurance. We chose their Trip Protection Choice plan as the best medical option for overseas medical coverage because it offers superior Emergency Medical and Medical Evacuation protection compared to other comprehensive policies on the market.
For those looking for comprehensive benefits beyond just medical, this plan also provides excellent coverage for other travel disruptions, such as cancellations, flight delays, baggage delays, and missed connections.
What is the Average Cost of International Travel Insurance?
In 2025, the average international travel insurance policy cost travelers roughly $310. In general, comprehensive travel insurance will cost 4-10% of the total prepaid, non-refundable travel expenses you choose to insure.
The cost of travel insurance will depend a lot on your specific trip details. Providers will often consider your age, destination, trip length, total trip costs, and coverage amounts when generating a quote.
What Are The Best International Travel Insurance Benefits?
Travel insurance policies are made up of a collection of different benefits that outline what expenses and scenarios are covered in the event of a claim. The best international travel insurance plans will include a wide-range of benefits that financially protect you from the travel disruptions you’ll most likely face when adventuring overseas, including:
International Travel Health Insurance
Since most U.S. healthcare plans don’t offer coverage abroad, many Americans turn to travel insurance to protect them from unforeseen medical expenses while traveling. There are two key benefits that can help in the event of a medical emergency; Emergency Medical and Medical Evacuation.
The Emergency Medical benefit can reimburse you for the cost of medical care, including hospital stays, doctor visits, and prescription medication. For most international trips, we recommend at least $50,000 in Emergency Medical coverage. Exclusions and deductibles may apply.
The Medical Evacuation benefit can provide coverage for emergency medical transportation, such as being medically airlifted, to the nearest adequate medical facility. Since the cost of emergency evacuations can be high, we recommend at least $100,000 in emergency evacuation coverage.
Cancellation & Interruption Protection
Each year, thousands of travelers are forced to cancel their trips or end their trips early for reasons outside of their control. With the cost of international travel rising, protecting your trip expenses is more important than ever before.
Comprehensive travel insurance policies include Trip Cancellation and Trip Interruption that protect your prepaid, non-refundable trip payments if you need to cancel for a covered reason. Most policies will cover cancellations relating to unexpected injuries, illnesses, the sudden death of a family member, natural disasters, and terrorism.
Coverage for Trip Delays & Missed Connections
Roughly a quarter of all flights in the United States are delayed or canceled. This can be troublesome if you’re traveling internationally and need to catch a connecting flight to reach your final destination. Significant delays can also result in unexpected purchases, such as food and overnight accommodations, as you await your new departure time.
Fortunately, most plans include delay insurance that protect against disruptions caused by inclement weather or mechanical breakdowns. Your Travel Delay benefit can reimburse food and lodging expenses, while your Missed Connection benefit can cover the cost to book new travel arrangements.
Luggage Protection
Millions of bags are mishandled by airlines and other common carriers each year. Being in a foreign country without your belongings can add stress to what’s supposed to be an enjoyable adventure.
Almost all travel insurance policies will include some protection for your items. The Baggage & Personal Item Loss benefit will reimburse you for damaged, stolen, or lost luggage, while the Baggage Delay benefit will reimburse you for clothes and toiletry purchases if your bags are delayed en route to your destination.
24 Hour Emergency Assistance
The best travel insurance companies will be by your side every step of your journey. Every travel insurance provider on Squaremouth offers 24/7 travel assistance services to help answer coverage questions, arrange medical treatment, provide claims support, and more.
Is International Travel Insurance Worth It?
Roughly 66% of Squaremouth customers reveal that getting sick or injured while traveling is their primary concern heading into a trip. This is due to the fact that most domestic health insurance policies, such as Medicare or an employer-sponsored plan, don’t cover medical emergencies that happen abroad. Not only does a travel insurance plan cover these situations, but the best plans can also cover 100% of your trip expenses.
If you share these concerns, travel insurance is absolutely worth it for the peace of mind alone. Even basic insurance plans can provide international medical coverage, potentially saving you thousands if a medical emergency occurs on foreign soil. The majority of plans include additional benefits that can offer reimbursement if you experience a last-minute trip cancellation, lengthy flight delay, baggage loss, and more.
Is International Travel Medical Insurance Required for Overseas Travel?
Travel insurance is not typically mandatory when visiting foreign countries, however, some destinations, cruise lines, or adventure tour operators may require proof of medical insurance for the duration of your trip. Even if it’s not required, travel insurance is the best way to protect your health and travel expenses while abroad.
Extra Travel Insurance Benefits to Consider for Your Trip
Certain trips may call for coverage not included in basic plans. Depending on your itinerary, here are some other potential travel insurance benefits you may want to consider:
- Pre-Existing Condition Waiver: Extends medical benefits to cover pre-existing medical conditions that are often excluded from coverage.
- Cancel for Any Reason (CFAR): Provides partial reimbursement of your prepaid, non-refundable travel expenses if you need to cancel your trip for a reason that’s not covered by Trip Cancellation insurance.
- Accidental Death & Dismemberment (AD&D): Provides a cash payment in the event of accidental loss of life or limb during a covered trip.
- Coverage for Adventure Sports: Covers medical expenses relating to an injury or illness sustained while participating in a covered adventure activity. Some adventure travel plans will also include coverage for sports equipment you choose to bring with you.
- Rental Car Damage: Select plans include rental car coverage that covers damage to, or theft of, a rental vehicle during a covered trip.
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