Top 10 Travel Insurance Plans for 2025: Compare & Choose

Travel insurance can make or break a trip. To help you pick the best, we’ve analyzed coverage, specialties, pricing, and versatility across top providers in 2025.

🥇 1. Tin Leg – Gold Plan

Why it’s #1: Leads Squaremouth’s marketplace as the Best Overall plan for 2025 (squaremouth.com).
Ideal for: All-around travelers.
Coverage highlights: Medical, trip cancellation/interruption, baggage, with premium options.
Extras: Adventure-specific portfolio and pre-existing condition options.
Cons: Slightly higher cost than barebones plans.

🥈 2. Berkshire Hathaway – ExactCare Value

Why choose: Best domestic trip coverage and value plan.
Ideal for: Short domestic trips.
Coverage highlights: Cancelation, interruptions, medical, baggage.
Extras: No-frills, budget-friendly premium.
Cons: Lacks extensive international support.

🥉 3. Travel Insured International – FlexiPAX

Top pick: Cruise travel, families, seniors, luxury trips & pre-existing conditions.
Ideal for: Large groups, cruise-goers, families.
Coverage highlights: Broad protection across trip types, CFAR.
Cons: Higher premiums; may include unnecessary extras for solo travelers.

🏅 4. John Hancock – Gold Plan

Specialty: Best flight-focused insurance
Ideal for: Travelers with non-refundable flights.
Coverage highlights: Strong flight delay/cancelation cover, medical evacuation.
Cons: Slightly limited beyond airfare-related issues.

🎖 5. Seven Corners – Trip Protection Choice

Focus: Travel medical coverage .
Ideal for: International travelers needing strong medical backup.
Coverage highlights: Emergency medical, evacuation, and trip issues.
Cons: Medical-centric; weaker on cancellations or CFAR add-ons.

👴 6. IMG – iTravelInsured Choice

Best for seniors.
Ideal for: Older adults or those with pre-existing conditions.
Coverage highlights: Extensive medical, trip cancel/interruption, and evacuation.
Cons: Premiums are higher in older age brackets.

🏞 7. Tin Leg – Adventure Plan

Adventure-centric: Best value for high-risk activities.
Ideal for: Adventure travelers (mountaineers, divers).
Coverage highlights: Medical, emergency evacuation, Cand FAR optional.
Cons: Basic trip cancellation cover.

🌍 8. World Nomads

Top pick for backpackers/adventurers.
Ideal for: Independent adventurers and photography travelers.
Coverage highlights: Covers 150+ adventure activities, in-trip purchase.
Cons: Higher deductibles; limited senior coverage.

🧳 9. Allianz Travel Insurance

Reliable & global
Ideal for: Frequent international business travelers.
Coverage highlights: Strong trip cacancellationevacuation, 24/7 support, multi-trip plans.
Cons: Exclusions can hide in fine print.

🚗 10. Travelex (Cover-More Group)

Family-friendly & affordable
Ideal for: Families and budget-conscious travelers.
Coverage highlights: Trip cancellation, medical, baggage, CFand AR add-on.
Cons: Adventure activity coverage may need upgrades.

🧩 Other Notable Mentions

• AIG Travel Guard – Highly customizable with strong business-traveler options (in-surance.com).
• GeoBlue Trekker Choice – Annual medical-only plan with $1M coverage (forbes.com).
• SafetyWing – Subscription model for nomads; monthly renewals, no trip cancellation (nomadicmatt.com).
• My Global Shield – Bargain plans with global coverage starting around $23/month (thebrokebackpacker.com).

🔍 2025 Trends to Watch

• Premium & CFAR demand rising due to global disruptions (reuters.com).
• Climate/disaster parametric policies like Mapfre are gaining traction (reuters.com).
• Annual/digital nomad plans are popular for long-term travel continuity.

🧭 How to Choose (Simple Guide)

1. Trip Type
   • Short domestic? -> Berkshire Hathaway
   • Cruise/Family? -> Travel Insured FlexiPAX
   • Adventure? -> World Nomads or Tin Leg Adventure
   • Seniors/pre-conditions? -> IMG iTravelInsured
2. Coverage Needed
   • Whole trip covered? -> Tin Leg Gold / Travel Insured
   • Fluency in CFAR? -> Travel Insured or Trawick Voyager upgrade
   • Medical-only? -> GeoBlue annual
3. Additional Perks
   • Digital nomads? -> SafetyWing
   • Flight disruptions? -> John Hancock
   • Multi-trip? -> Allianz annual
4. Budget vs Coverage
   • Affordable yet broad? -> Travelex or Berkshire Hathaway
   • Premium, all-round? -> Tin Leg Gold or IMG for seniors

📊 Quick Comparison Table

Plan	Ideal For	Highlights
Tin Leg – Gold	Overall travelers	Medical, CFAR, adventure incl.
Berkshire Hathaway – ExactCare	Domestic trips	Budget-friendly basic cover
Travel Insured – FlexiPAX	Families, cruises	Full coverage + CFAR
John Hancock – Gold	Flight-focused travelers	Strong flight delay protection
Seven Corners – Trip Choice	Int’l medical coverage	Medical-heavy plan
IMG – iTravelInsured	Seniors	Pre-existing covered
Tin Leg – Adventure	Active travelers	Adventure coverage without limit
World Nomads	Backpackers/adventure seekers	Adventure-packed policy
Allianz Travel Insurance	Frequent intl travelers	Multi-trip, assistance
Travelex	Families on a budget	CFAR optional, family plans

✅ Final Takeaway

There is no single “best” travel insurance—your ideal policy depends on your destination, trip type, demographics, and risk tolerance.

• Premium, all-round tropical? → Tin Leg Gold
• Digital nomad, steady travel? → SafetyWing
• Family cruise ease? → Travel Insured FlexiPAX
• Seniors seeking safety? → IMG iTravelInsured

When in doubt, compare options on sites like InsureMyTrip or Squaremouth to lock in the best fit.