📋 Table of Contents
Our 2025 Picks at a Glance
We evaluated travel insurers on coverage breadth, medical and evacuation limits, CFAR availability, and claims reliability. AIG Travel Guard remains the strongest all-around pick this year, with Allianz, Seven Corners, and Travelex each leading in a specific category worth knowing about before you compare quotes.
✈️ 2025 Picks by Category
- Best overall: AIG Travel Guard
- Best for frequent travelers: Allianz AllTrips annual plans
- Best medical coverage: Seven Corners
- Best for families: Travelex
What Changed Heading Into This Year
Comparison-shopping tools like Squaremouth and InsureMyTrip have made it far easier to pull quotes from multiple insurers at once, which has increased price competition on standard plans. CFAR availability has also broadened across more insurers' plan tiers than in past years — worth checking even on insurers that didn't traditionally offer it.
Typical Pricing This Year
| Trip Cost | Basic Plan | Comprehensive Plan | With CFAR |
|---|---|---|---|
| $2,000 | $80–$120 | $130–$200 | $190–$300 |
| $5,000 | $200–$300 | $325–$500 | $475–$750 |
| $10,000 | $400–$600 | $650–$1,000 | $900–$1,500 |
Top Providers This Year
Comprehensive coverage across trip cancellation, medical, evacuation, and baggage, backed by a 24/7 assistance line and consistently strong claims satisfaction. See our full best travel insurance guide for a deeper breakdown of every top provider.
AllTrips annual plans continue to be the most cost-effective option for anyone taking 3 or more trips per year. See our annual travel insurance guide for a full breakdown.
What to Look for This Year
The fundamentals haven't changed: trip cancellation, emergency medical, evacuation, and baggage coverage remain the core categories worth comparing. What's worth double-checking on any 2025 quote is whether CFAR is available as an add-on (more insurers now offer it), and whether the pre-existing condition waiver window has shifted — it's still generally 14–21 days from your first trip deposit, but confirm with your specific insurer.
How to Shop Efficiently
- Use a comparison site like Squaremouth or InsureMyTrip to pull multiple quotes with identical trip details at once
- Buy within 14–21 days of your first deposit to preserve CFAR and pre-existing condition waiver eligibility
- Prioritize medical/evacuation limits for international trips over trip cancellation extras
- Check annual plans if you're taking multiple trips this year — the per-trip cost drops significantly
How to Pick the Right One for You
Step 1 — Define Your Trip Type
International vs. domestic, single trip vs. multiple, family vs. solo — this determines which of the top picks fits best.
Step 2 — Compare 3–4 Quotes
Use a comparison site to see real pricing for your specific trip rather than relying on generic "starting at" figures.
Step 3 — Check the Fine Print on Your Top Choice
Confirm medical limits, CFAR terms, and pre-existing condition waiver eligibility before finalizing.
Mistakes to Avoid
- Buying based on price alone without checking medical/evacuation limits
- Waiting too long to purchase and losing CFAR or pre-existing condition eligibility
- Assuming last year's best pick is automatically still the best fit — compare current quotes
- Overlooking annual plans when taking multiple trips this year
Frequently Asked Questions
Yes, for overall value and claims reliability. That said, Allianz, Seven Corners, and Travelex each lead in specific categories — frequent travel, high medical limits, and family coverage respectively — so the best fit depends on your trip type.
Increased comparison-shopping has kept pricing competitive on standard plans. Always get a current quote rather than relying on prior-year estimates, since pricing shifts by insurer and season.
Comparison sites sell the same policies at the same price as buying direct, so there's no cost penalty — and comparing multiple insurers at once is significantly faster.