If you’re a big fan of the travel TV genre, it might inspire you to dream of exploring jungle safaris, driving on the best roads the world has to offer, or walking through centuries-old neighborhoods. So, you go ahead and plan the trip, and start to tell your friends and family about your plans to conquer the world. That’s when they might start bugging you about whether you have insurance for your trip. With all the excitement, you’ve barely even thought about that.
You might think that travel insurance is not worth it, the chances that something bad happens while you’re travelling are minuscule – and you are right. But still, what if it does? If you twist your ankle, for example, while roaming the streets of Barcelona, how will you communicate with the hospital staff if they don’t speak your language? If you lose your wallet, can you manage getting emergency cash and replacing your passport in due time in a foreign country? These what-ifs represent real-life situations which insurance companies have had to deal with. The statistics may seem favorable to you, but they are based on actual facts, and, while you may think it’s never going to happen to you, it’s always better to be safe than sorry – that’s just common sense. Let’s to find out the Top 10 Travel Insurance Worldwide
Luckily, a plethora of insurance options are available out there. Let’s check out the top 10 travel insurance companies worldwide:
Insureandgo is an American brand specialized in travel insurance. Their policy covers trip cancellation, travel delay, primary medical with no deductibles (internationally) and up to $500,000 in emergency medical expenses, along with catastrophe and third party supplier insolvency coverage.
9. RoamRight Travel Insurance
RoamRight Travel Insurance, a trade name of Arch Insurance Company, was founded by travel insurance specialists and is committed to providing high-quality coverage at reasonable prices and aims for a high-class customer experience. They cover trip cancellation (even for work reasons), interruption, trip delays, emergency accident or sickness and even dental services. They also have sports and hazardous sports coverage – from fishing licenses to protection for bungee jumping.
8. MH Ross Travel
MH Ross Travel insurance Services has been around 1961, and has since been committed to providing prompt and professional services not only in problem management, but in prevention. They offer cancellation for any reason, cover trip delays and interruption, missed connections and flight cancellation, besides covering for belongings, personal effects or baggage delay. Their policy also includes health insurance for pre-existing conditions along with the common accident insurance.
7. Travelex Insurance Services
Travelex Insurance Services stand among the highest rated travel insurance companies. They have their customers in mind when designing policies, and offer a variety of plans from travel investment protection to accidental death and dismemberment benefits, with flexible personalization options. 6,000 employees in 30 countries worldwide, are ready to assist you. Base plan benefits include trip cancellation/delay, missed cruise connection, baggage / baggage delay, medical evacuation / repatriation of remains and 24/7 travel assistance.
6. World Nomads
World Nomads is more than a pretty name for a travel insurance agency, it stands for the passion for traveling – which their insurance system is based on. They mainly focus on single and adventure trips, so they give you the option to get the insurance while overseas – just in case you spontaneously decided to go and didn’t think about it beforehand. They cover digital equipment and provide you with language apps for your iPhone so you can connect with the locals.
5. HCC Medical Insurance
HCC Medical Insurance Services or Atlas Travel Insurance provides personalized insurance for travelers with specific needs – with a focus on flexibility. Their max coverage for illness or injury goes up to $2 million.
4. Frontier Medex
Frontier Medex sees beyond the age frontier and offers insurance for travelers up to age 85, which is uncommon amongst travel insurance companies. They are specialized in health insurance plans, but you can always customize yours with benefits such as trip cancellation, interruption, and lost luggage.
3. AIG Travel Guard
AIG Travel Guard is the largest travel insurance provider in the USA. Their coverage range is the widest in the industry, including rental car collision insurance, adventure sports, and they even allow you to build your own insurance plan (My Travel Guard) based on your specific needs.
2. Berkshire Hathaway
Berkshire Hathaway Travel Protection is keen on keeping you going in your travels, and for that purpose have devised a mobile app to help you stay connected. They have a plan dedicated to flight issues, AirCare. With it comes proactive, automated flight re-connection in case you miss it, and promise to pay you on the spot. According to customer reviews, they also deliver – and not just you to your destination.
1. Allianz Global Assistance
Allianz Global Assistance, formerly known as Access America, have been in the game for over 60 years and are by far the most trusted insurance company in the world. They provide coverage for medical emergencies ( including dental) , trip cancellation, lost baggage, rental cars, and even currency exchange fees for domestic and international flights as well as cruises and any other way you like to travel. Their customer satisfaction rate is the best so far.
Top 10 Travel Insurance Worldwide