Top Travel Insurance Plans for 2024: Ensuring Peace of Mind
Planning a trip is thrilling—but unexpected events can sour the experience fast. That’s where robust travel insurance steps in, offering both financial protection and peace of mind. In 2024, certain insurance plans stand out thanks to their coverage, positive reviews, and user-friendly claims. Below, we explore the top travel insurance plans of the year, digging into their benefits, exclusions, pricing, and who each plan is best for.
Methodology & What to Look For
Before diving into individual plans, here’s what sets the best travel insurance apart:
- Medical Coverage & Evacuation: International trips should have at least $100,000 in medical emergency coverage and decent medical evacuation limits. US domestic trips can get by with lower limits, especially if you already have domestic health insurance.
- Trip Cancellation & Interruption: Look for 100% reimbursement options, ideally up to at least $30,000.
- Cancel For Any Reason (CFAR): This upgrade offers the most flexibility—though premiums will be 40–50% higher and reimburse only 50–75% of your trip’s cost.
- Adventure & Sports: If you’re scuba diving, skiing, or biking, make sure your plan covers those activities.
- Family, Seniors & Pre-existing Conditions: Some plans waive extra costs for kids, seniors, or existing health conditions—great for peace of mind.
- Claims Experience: A smooth and fair claims process can make a huge difference when things go wrong.
Our analysis draws on recent rankings (Squaremouth, NerdWallet, US News, Forbes, etc.) and real user feedback to spotlight the best plans of 2024-2025.
1. Tin Leg – Gold Plan (Best Overall & International)
Why it’s number one:
- Covers up to $500,000 in emergency medical and evacuation—well above most competitors.
- Offers 100% trip cancellation, up to $30,000 per traveler.
- Includes adventure sports coverage for over 250 activities, from scuba to snowboarding.
- CFAR add-on is available if purchased within 14 days of trip deposit.
- Awarded “Best Value” by USA Today for its Gold and Adventure plans.
Details at a glance:
| Feature | Gold Plan (Tin Leg) |
|---|---|
| Emergency medical & evacuation | Up to $500,000 |
| Trip cancellation | 100% reimbursement (up to $30K) |
| Adventure sports | Covered (250+ activities) |
| CFAR Option | 50–75% reimbursement |
| Customer service | Available 8 am–10 pm ET, 24/7 emergency |
| Reviews | Highly rated on Squaremouth, Trustpilot |
Best for: International travelers, adventure enthusiasts, or anyone seeking comprehensive protection.
2. Berkshire Hathaway Travel Protection – ExactCare Value (Best for Domestic Travel)
Why it stands out:
- Designed for travelers within the United States.
- Low average cost, typically around $110 for domestic coverage.
- Quick claims processing and mobile app-based notifications.
- Includes trip interruption, lost baggage, and emergency medical.
Details at a glance:
| Feature | ExactCare Value |
|---|---|
| Emergency medical & evacuation | $25,000 medical / $250,000 evacuation |
| Trip cancellation | 100% of trip cost |
| Trip delay | $500 (after 5 hours) |
| Mobile app | Yes (claims tracking, alerts) |
| Price range | $90–115 (average domestic trip) |
Best for: Budget travelers exploring within the United States or Canada.
3. Travel Insured International – Worldwide Trip Protector (Best for Families)
Why it stands out:
- One of the most flexible plans for family trips.
- Automatically includes coverage for children under 17 traveling with parents.
- High emergency medical coverage and COVID-19 protections.
Details at a glance:
| Feature | Worldwide Trip Protector |
|---|---|
| Emergency medical | $100,000 |
| Medical evacuation | $1,000,000 |
| Children under 17 | Free when traveling with adults |
| CFAR available | Yes (within 21 days of deposit) |
| Pre-existing condition waiver | Yes (if purchased early) |
Best for: Families traveling with children or seniors needing reliable coverage.
4. Allianz Global Assistance – OneTrip Prime (Best for Frequent Flyers)
Why it stands out:
- One of the most recognized brands in global insurance.
- Covers trip cancellation, interruption, delays, and lost baggage.
- Ideal for business travelers and frequent flyers.
Details at a glance:
| Feature | OneTrip Prime |
|---|---|
| Emergency medical | $50,000 |
| Trip cancellation | 100% of trip cost |
| Travel delay | $800 |
| Baggage loss | $1,000 |
| Mobile claims app | Yes |
Best for: Frequent travelers who want consistent protection across many trips.
5. Seven Corners – RoundTrip Choice (Best for Customization)
Why it stands out:
- Flexible and customizable benefits.
- Useful for international students, business travelers, and long-term nomads.
- Strong medical evacuation and baggage protection.
Details at a glance:
| Feature | RoundTrip Choice |
|---|---|
| Emergency medical | $100,000 |
| Trip cancellation | 100% reimbursement |
| Lost baggage | $2,500 |
| Custom add-ons | CFAR, rental car, AD&D |
| COVID-19 coverage | Included |
Best for: Digital nomads and international travelers with specific coverage needs.
Common Mistakes When Buying Travel Insurance
- Waiting too long to purchase: Many benefits require buying within 14-21 days of your first trip deposit.
- Ignoring exclusions: Not all plans cover high-risk destinations, pandemics, or adventure sports.
- Overlooking medical limits: Make sure the coverage fits your destination’s cost of care.
- Assuming existing health insurance is enough: Most domestic plans don’t cover international incidents.
Final Thoughts
Whether you’re traveling domestically or internationally, solo or with family, picking the right travel insurance plan ensures you stay protected. The top providers in 2024 offer a balance of cost, convenience, and comprehensive coverage. Always compare several quotes, read the fine print, and choose a plan that matches your travel style and budget.
A few extra dollars upfront can save thousands later—and give you the confidence to enjoy your journey fully.