Whether you’re planning a short vacation in Europe or a business trip to Asia, one thing every U.S. traveler should never ignore is travel insurance. In 2025, global travel costs and health risks are higher than ever, and without proper coverage, a single medical emergency can cost thousands of dollars abroad.
This guide breaks down the top 10 travel insurance plans for U.S. travelers, based on coverage, affordability, and international support — all optimized for travelers leaving the United States.
1. Allianz Global Assistance
Allianz remains one of the most trusted travel insurance companies for Americans.
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Key Benefits: Emergency medical, trip cancellation, baggage loss
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Why It Stands Out: Strong global presence and quick claim payouts
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Average Cost: From $60 per trip
Tip: Ideal for frequent travelers who visit Europe or Asia multiple times a year.
2. AXA Assistance USA
AXA covers international trips with flexible plans and strong medical coverage.
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Coverage: Up to $250,000 in emergency medical expenses
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Extras: COVID-19 coverage, lost luggage protection
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Why It’s Great: Accepted in over 100 countries
3. IMG Travel Insurance
IMG offers excellent policies for both leisure and business travelers.
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Best For: Long-term travelers, students, or digital nomads
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Coverage Highlights: Medical evacuation, trip delay, repatriation
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Average Cost: $50–$120 depending on trip length
4. Seven Corners Travel Insurance
Seven Corners focuses on international trips and multi-destination coverage.
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Highlights: 24/7 travel assistance, emergency medical coverage
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Why It’s Popular: Affordable and customizable plans
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Coverage Limit: Up to $500,000
5. Travelex Insurance Services
Travelex is a top pick for families and group travelers.
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Coverage: Trip cancellation, medical, and lost baggage
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Why Travelers Love It: Kids under 17 are covered for free
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Recommended Plan: Travel Select
6. Trawick International
Trawick has gained attention for covering travelers even in high-risk regions.
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Highlights: Medical coverage up to $1 million
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Includes: Emergency evacuation and trip interruption
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Good For: Students and long-term visa holders
7. Nationwide Travel Insurance
Nationwide is known for its reliability and solid customer service.
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Coverage: Trip cancellation, medical, baggage delay
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Why It’s Trusted: Easy claim process and worldwide network
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Bonus: Covers pre-existing conditions (under some plans)
8. AIG Travel Guard
AIG offers tailored plans for U.S. travelers going abroad.
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Highlights: Premium coverage, optional cancel-for-any-reason (CFAR)
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Why It’s Great: Custom plans for business and luxury travelers
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Average Cost: $80–$200 per trip
9. World Nomads Insurance
Perfect for adventure travelers.
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Coverage: Extreme sports, medical, trip cancellation
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Why It’s Popular: Flexible extensions if you extend your trip
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Ideal For: Backpackers and explorers under 40
10. SafetyWing Nomad Insurance
Designed for modern remote workers and digital nomads.
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Highlights: Subscription-based coverage starting at $45/month
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Why It’s Unique: Works globally, even if you move between countries
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Bonus: Covers COVID-19-related issues
Tips for Choosing the Right Travel Insurance
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Compare medical coverage limits (aim for at least $100,000).
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Check for trip cancellation & delay protection.
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Make sure your plan includes 24/7 emergency assistance.
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Always review country exclusions before buying.
Conclusion
Travel insurance isn’t just another travel cost — it’s protection for your health, finances, and peace of mind while abroad. In 2025, with global travel uncertainties and health concerns, choosing a reputable provider like Allianz, AXA, or IMG ensures you’re covered no matter where your journey takes you.
