Best Travel Health Insurance

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Contributor, Benzinga
March 20, 2024

Jump straight to it: the best travel health insurance is Travelex Insurance Services.

Traveling the world can provide memorable experiences. You can check off items on your bucket list, travel with the people you love and meet great people along the way. But some people endure an illness or accident during their travels. These incidents can result in higher expenses that make it more difficult to travel in the future. Some travelers get a policy from one of the best travel health insurance providers to financially protect themselves from those types of scenarios.

Quick Look: Best Travel Health Insurance

7 Best Travel Health Insurance Providers

A travel health insurance plan can put you at ease on your travels. While it can feel overwhelming to browse through many insurance policies, this streamlined list can simplify your search for the right policy.

1. Best for Families: Allianz Global Assistance

Allianz Global Assistance offers great coverage on its travel medical insurance plans. You can get up to $500,000 in emergency medical transportation and choose from various plans. Allianz Global Assistance also covers nonmedical expenses and has 24/7 customer support. The company serves over 70 million customers, with plans starting as low as $27. These plans will get more expensive as you add coverage, but the starter rate is reasonable. 


  • Some plans include complementary coverage for your child if they are younger than 18.
  • Up to $5,000 trip cancellation insurance for the most affordable plan and $100,000 for the highest plan  
  • $500,000 emergency medical transportation for the OneTrip Prime Plan


  • Expensive policies
  • No protection for activities involving higher risk such as skydiving 
  • Can take a while to receive a refund or compensation if you file a claim

2. Best for Affordability: Travelex

Travelex travel insurance provides protection for travelers on most types of trips, from weekend getaways to the luxury ski vacations.

The Travel Basic plan provides the essentials for your travels, while the Travel Select plan allows you to customize your coverage. The Flight Insurance options are also available for those who want flight-specific protection.

A 42-year-old male traveling internationally for a week at a trip cost of $2,500 pays $110 for Travel Basic. The Travel Select runs $153.

Travelex also offers coverage upgrades like medical coverage, such as emergency medical expense coverage worth up to $50,000 with a dental coverage sub-limit of $500 for Travel Select. Another add-on is the emergency medical evacuation and repatriation of remains worth up to $500,000 with an escort coverage limit of $25,000.


  • Instant quote online
  • COVID-19 coverage (restrictions apply)
  • 24/7 assistance


  • Less plan options than some other providers

3. Best for International Travel: Faye

Faye Travel Insurance stands out as an exceptional option if you are seeking reliable and thorough travel health insurance coverage.

With Faye, you can rest assured knowing you are protected by medical expense coverage of up to $250,000 for international trips, including coverage for unexpected illnesses like COVID-19 and injuries.

Faye can also cover pre-existing medical conditions, provided the plan is purchased within 14 days of the initial trip deposit, and the traveler is medically fit to undertake the journey at the time of purchase.

Faye offers additional emergency medical evacuation coverage worth up to $500,000 and non-medical emergency evacuation coverage up to $100,000.


  • Offers trip cancellation, trip interruption, trip delay and missed connections
  • Includes coverage for lost, stolen or delayed luggage
  • Offers add-on coverage for rental car damage and pet care


  • Only has 1 travel insurance plan
  • May require extensive documentation to file a claim

4. Best for Long Trips: RoamRight

RoamRight offers overseas health insurance policies for long-distance trips, but you can also secure a policy for a nearby getaway. The insurer provides trip cancellation coverage which you can use for nonhealth-related events. If you also need baggage and rental car coverage, RoamRight can help. 


  • 24/7 customer support 
  • Fast, paperless claims
  • Coverage for trips lasting up to 180 days


  • Higher premiums than other policies 
  • A reviewer mentioned not being able to purchase a policy because it was too close to the trip’s start date
  • It can take some time to receive a refund from a claim 

5. Best for Adventurers: World Nomads

  • World Nomads | Health
    Best For:
    Travel medical insurance
    securely through World Nomads | Health's website

    World Nomads offers simple, flexible coverage options to travels in more than 130 countries. Choose from either the Standard Plan or the Explorer Plan. Protections include emergency accident and sickness medical expense (including dental) coverage, emergency evacuation coverage, repatriation of remains coverage, accidental death and dismemberment, lost or stolen goods coverage and trip cancellation or interruption reimbursement.


    World Nomads also offers 24-hour travel assistance services.

World Nomads offers coverage for over 200 adventure activities that most insurance providers won’t touch. The company was founded in 2002 and is more flexible than most insurance companies. You can adjust your travel insurance coverage while on vacation if you want to extend your stay and stay protected in case of an emergency. 


  • A policyholder can buy more coverage if they plan to travel longer than anticipated
  • Coverage for over 200 adventure activities 
  • $500,000 emergency evacuation insurance for the Explorer Plan 


  • Some reviewers mentioned issues with the website’s functionality
  • Issues with fine print for some policyholders 
  • No annual plan option

6. Best for Expatriates: HTH Worldwide

If you need health insurance for international travel, HTH Worldwide is a useful insurance company to consider. The company includes expatriate coverage and doesn’t have people jump through hoops to get an insurance policy. HTH Worldwide has a network of physicians spread across more than 180 countries.  


  • Separate plans for missionaries, students and maritime crew members 
  • Quick and easy process for getting an insurance policy
  • Expatriate coverage included 


  • Death benefit is only for accidental death within the first 24 hours of travel
  • You may need an existing primary health plan before obtaining certain policies 
  • Baggage delay coverage requires a 12-hour delay 

7. Best for International College Students: Trawick International

If you are an international college student, Trawick International is one of the best international travel insurance providers to consider. Even if you are out of school, the travel insurer offers several packages. You can get the “cancel for any reason” add-on for extra protection. You can also use Trawick International for cruise and adventure travel insurance. 


  • Cancel-for-any-reason insurance policy
  • 24/7 customer service
  • Special insurance plan for international college students


  • Can take a while to receive money from a claim
  • Website does not let you compare different types of travel plans
  • Cancel for any reason is an expensive add-on for a policy

What is Travel Health Insurance?

Travel health insurance is a policy that adds extra layers of financial protection to your traveling plans. It’s hard to anticipate travel cancellations, flight delays and health issues, but they can happen. A travel health insurance policy reimburses you if something goes wrong that is covered in the policy. Travelers can use add-ons to get additional protections or select from the cheapest travel insurance plans available to get basic safeguards.  

Factors to Consider When Choosing a Travel Health Insurance

Health insurance plans can give you greater peace of mind when you map out your travel destinations. Before you get an insurance policy, you should consider these factors.


Most people do not end up filing claims for their policies, but policyholders still owe the premium. While there’s more to the best travel health insurance plans than the premium, it is an investment. You should look at the policy’s protections and fine print to decide whether the premium is reasonable.   


If you have to file a claim, your coverage impacts how much you can receive and whether the incident is covered in the policy. You might have to pay extra for suitable coverage and a higher reimbursement, but it is something to review before committing to a travel health insurance policy.

Special Perks

Some insurance companies cater to international students, while others have special rates for other groups. If you served in the military, you might find better policies if you look at USAA travel insurance plans. A USAA travel insurance plan includes a discount for military members. While this isn’t a make-or-break component of an insurance policy, a nice bonus or perk can help.

How Many People Need Coverage?

Some insurance companies let you add children younger than 18 to the policy without any extra cost. You might get a better deal if you have multiple people on the policy, and some companies offer better prices than others if multiple people need coverage.

Your Lifestyle

Some insurance providers will reject your application if you engage in risky activities like skydiving. If you plan on doing adventurous activities, you may have to narrow your search to insurance providers who have coverage for your activities.

How Much Does Travel Insurance Cost?

Travel insurance costs vary based on the insurer and the type of coverage you want. Adding more coverage to your plan will increase the premium payments, but most travel insurance companies have affordable starter plans. You may have to pay 5% to 10% of your trip’s total cost for an insurance policy.

Protect Yourself While Hoping for the Best

An insurance policy provides greater peace of mind in case something happens. You can enjoy your vacation while knowing you have the travel health insurance coverage you need. Most people don’t file claims on their insurance, but something can happen. Make sure you have the protection you need so you can get reimbursed if something happens during your travels.

Frequently Asked Questions


Who has the best travel insurance?


Several insurers offer good travel insurance, but the best travel insurance depends on what you want. Looking at several insurers and comparing plans will help you find the right choice for you.


Can I get travel insurance for medical only?


You can get travel insurance for medical only. Some insurers offer this plan for their customers.


Why is travel health insurance so cheap?


Travel health insurance is cheap because the coverage doesn’t last as long as a term-life or whole life insurance plan. These plans also have lower coverage and fewer services than the more expensive policies.


Is my health insurance the same as travel insurance?


No, health insurance and travel insurance are not the same. Health insurance typically covers medical expenses and treatments within your home country, while travel insurance provides coverage for unexpected events and emergencies that may occur while you are traveling, such as trip cancellations, lost luggage, or medical emergencies abroad. It is important to have both types of insurance if you are planning to travel internationally to ensure comprehensive coverage.

About Marc Guberti

Marc Guberti is an insurance writer passionate about helping people learn more about money management, investing and finance. He has more than 10 years of writing experience focused on finance and digital marketing. His work has been published in U.S. News & World Report, USA Today, InvestorPlace and other publications.