Best Travel Insurance That Covers Everything

Taking a vacation is a great way to calm your nerves, alleviate anxiety, and relax. And yet, the process of planning a trip can often make us nervous, anxious, and tense. But don’t let the what-if scenarios stop you from enjoying that dream vacation. Whether you’re concerned about flights being canceled, medical emergencies arising, COVID interfering, or loss of luggage, we’ve got your back with the best travel insurance that covers everything.

Everything? Well, “everything” is a big work, but you can find a travel insurance plan that covers your most nightmarish concerns. Still, with so many options to choose from, finding the best travel insurance can become yet another anxiety-inducing task.

Relax.

Start with SuperMoney’s list of travel insurance companies. They clearly list what is covered — including COVID — and the selections are ranked by fellow travelers.

Want more info? Here are some we found that are great as well. Quick links are located at the bottom of the post. (Now all you have to worry about is whether you should ask for a margarita or a sangria.)

Travelex

With the Travelex Basic Plan, you’re covered for emergency medical and dental incidents, 24/7 travel assistance and the ability to cancel your trip at the last minute. It also provides a host of custom upgrades. They include car rental coverage, additional medical insurance and adventure sports coverage.

Additionally, Travelex Basic offers up to $100,000 in emergency evacuation and repatriation coverage. That provides for a sudden emergency requiring you to return home quickly. Travelex is there for you.

Allianz Travel Insurance

Allianz caters to infrequent travelers as well as regular globetrotters, with both single-trip and annual insurance plans. In fact, they offer ten plans, each tailored to specific types of travelers. One of their most popular packages is the OneTrip Prime Plan. This option covers trip cancellation up to $100,000, trip interruption up to $150,000 and emergency medical coverage up to $25,000. Additionally, it covers up to $1,000 in damaged, lost or stolen baggage, as well as $500 in change fee coverage.

IMG Travel Insurance

IMG offers three main categories of coverage: Travel Medical, International Health and Travel insurance. While Travel Medical covers tourists who need to see a doctor abroad, International Health is for “expatriates and global citizens living or working internationally.” And, of course, IMG Travel Insurance is meant for those taking a brief trip, covering cancellation, interruption, travel delays, and change fees.

IMG is also notable for its niche plans, like the GlobeHopper Senior Plan, which covers retired travelers over the age of 65. They also have plans especially for expats, students, business travelers and government workers.

If you’re planning a family getaway, consider the iTravellInsured Travel SE package, which is available for both domestic and international travel. It covers up to $50,000 per person in trip cancellation fees, trip interruption coverage of up to 150% the cost of the trip, and emergency medical evacuation coverage of up to $500,000.

Travel Insured International

Travel Insured International offers four plans, three of which provide up to $1 million in emergency medical evacuation and repatriation fees. That level of coverage is unmatched, and is ideal if you plan on visiting a politically or medically volatile part of the world. (Of course, you should always use good judgment when choosing where to travel, especially in the pandemic age). TII also gives you the ability to customize your coverage, adding or dropping perks according to your personal needs.

Their mid-tier Worldwide Trip Protector plan guarantees trip cancellation coverage for up to 100% of your vacation’s cost, in addition to $250 in reimbursement for airline miles and reward points.

Best of all, TII is known for its exceptional customer service. “All services excellent,” commented customer Anthony M. “All people I spoke to were extremely helpful and courteous!”

Compare Rates

For a quick comparison of all the options and their respective prices, and to find COVID-19 related insurance add-ons, use SuperMoney’s list of travel insurance providers.

Sources: US News & World Report, Travelex, Allianz, IMG, Travel Insured International, Travel Insurance