Why Every Solo Traveler Should Have Travel Insurance in 2025
Solo travel is not just a way to explore the world; it’s a journey of self-discovery and empowerment.
Whether tackling a bucket-list destination or enjoying the freedom of traveling on your schedule, solo travel offers a unique experience. But with that independence comes added responsibility—especially when protecting yourself from unexpected disruptions.
In 2025, just like the years before, travel insurance for solo travelers is not just an extra precaution but a safety net offering peace of mind.
From medical emergencies to trip cancellations and unexpected delays, a solid solo travel insurance plan can mean the difference between a dream vacation and a logistical nightmare. More importantly, it provides peace of mind and protects your wallet and well-being.
Why Solo Travelers Need Travel Insurance
Whether you’re dealing with lost luggage, a sudden illness, or a delayed flight, travel insurance protects and supports you.
- You’re Fully Responsible for Yourself: You have built-in support when traveling with a group. If you get sick, someone can help you navigate medical care. If your wallet is stolen, you might have a friend to cover you temporarily. But as a solo traveler, you’re on your own. Travel insurance acts as that safety net—covering unexpected expenses and providing assistance when needed.
- Medical Emergencies Can Be Costly: Accidents and illnesses don’t wait for the perfect moment. If you travel solo and end up in a hospital, costs can skyrocket—especially in a country with high medical expenses. Travel insurance can cover emergency medical expenses, hospital stays, and even medical evacuations, ensuring you receive proper care without breaking the bank.
- Trip Cancellations and Interruptions Can Derail Your Plans: Solo travelers typically plan their own itineraries, meaning you’re financially responsible for every booking. If something unexpected forces you to cancel your trip—such as an illness, work obligation, or a family emergency—you could lose non-refundable expenses like flights and accommodations. Travel insurance helps reimburse these costs so you don’t take a financial hit.
- Lost or Stolen Belongings Can Be a Major Setback: Losing your passport, phone, or wallet while traveling alone can quickly turn a dream trip into a stressful situation. Travel insurance can provide coverage for lost or stolen items and offer assistance in replacing crucial documents, helping you get back on track with minimal hassle.
- Delays Are More Than Just an Inconvenience: Flight delays and cancellations are frustrating for any traveler, but when solo, they can leave you stranded without support. Travel insurance can cover unexpected accommodation and meal costs due to delays, ensuring you’re not stuck paying out of pocket.
What to Look for in the Best Solo Travel Insurance
Not all travel insurance plans are created equal, and as a solo traveler, you need coverage tailored to your needs. Here are key features to look for:
- Emergency Medical Coverage: Look for a policy that includes at least $100,000 in coverage and $250,000 for emergency medical evacuation—especially if you’re traveling to remote locations.
- Trip Cancellation and Interruption Protection: Opt for a plan reimbursing 100% of non-refundable trip costs.
- 24/7 Assistance Services: You can access always-on support if you need medical help, lose your passport, or face another urgent situation abroad.
- Coverage for Lost or Delayed Baggage: A good policy should reimburse you for lost or stolen belongings and cover delayed baggage expenses so you can replace essentials if needed.
- Cancel for Any Reason (CFAR) Coverage: If you want the most flexible protection, CFAR allows you to cancel your trip for reasons not covered under standard policies and still get partial reimbursement. This means that even if your reason for canceling is not listed in the policy, you can still get some of your money back.
- Adventure and Activity Coverage: Many solo travelers engage in outdoor adventures like hiking, scuba diving, or skiing. Ensure your policy covers adventure sports and activities if this is on your itinerary.
Best Travel Insurance for Solo Travelers in 2025
We’ve reviewed some top travel insurance providers to find the best options for solo travelers. Here are our top picks based on coverage, cost, and customer satisfaction:
1. Trawick International – Safe Travels Voyager
- Emergency Medical Coverage: Up to $250,000
- Medical Evacuation: Up to $1,000,000
- Trip Cancellation: 100% of insured trip cost
- Additional Benefits: Includes CFAR option and coverage for adventure activities.
2. Seven Corners – Trip Protection Choice
- Emergency Medical Coverage: Up to $150,000
- Medical Evacuation: Up to $500,000
- Trip Cancellation: 100% of insured trip cost
- Additional Benefits: Offers 24/7 assistance services and optional CFAR.
- Emergency Medical Coverage: Up to $500,000
- Medical Evacuation: Up to $500,000
- Trip Cancellation: 100% of insured trip cost
- Additional Benefits: Includes coverage for pre-existing conditions if purchased within the specified timeframe.
How to Choose the Right Plan
- Assess Your Needs: Consider your destination, activities, and potential risks. This information can help determine whether you need more benefits, such as medical emergency coverage, or can forgo an add-on like CFAR.
- Compare, Evaluate, Protect: Squaremouth’s comparison tool allows you to evaluate different policies side by side, ensuring you make an informed decision that best suits your needs.
- Read Reviews: Check customer reviews and ratings to gauge the provider’s reliability. You can find unbiased collections here and on sites like TrustPilot or BBB.
- Check Exclusions: To avoid surprises, be aware of what is not covered by the policy (aka, read the fine print!) Some policies may not cover certain pre-existing conditions or adventurous activities. Understanding these exclusions can help you make an informed decision and avoid potential issues during your trip.
Bottom Line: Don’t Travel Solo Without Travel Insurance
Solo travel is all about freedom, exploration, and self-discovery. However, unexpected events can quickly turn your trip upside down. Travel insurance ensures financial protection, emergency assistance, and peace of mind if something goes wrong.