Compare Travel Insurance Plans and Quotes

We organized 42 travel insurance plans into three categories based on coverage levels and features to simplify comparison. The main differences between categories are medical coverage limits, evacuation amounts and additional features like "cancel for any reason" (CFAR) coverage.

Basic plans work for healthy travelers on standard trips under $5,000 who want essential protection at the lowest cost. Comprehensive plans provide the best balance of coverage and value for most travelers, especially trips between $2,500 to $15,000. Premium plans offer maximum coverage limits and specialized features for expensive trips, seniors or travelers with high-risk activities.

See our ranking of the best travel insurance companies and cheapest travel insurance plans.

Basic plans cover trip cancellation and medical expenses at the lowest prices. They work best for healthy travelers on standard trips under $5,000. Expect $25,000 to $50,000 in medical coverage, which is fine for minor emergencies, but serious incidents requiring surgery or evacuation aren't covered.

Comprehensive plans give you solid coverage without breaking the bank. You'll get $100,000 to $150,000 in medical protection and up to $1 million for evacuations. Most include CFAR options and pre-existing condition waivers.

Premium plans have the highest coverage limits ($250,000 to $1 million medical) and specialized features for expensive trips, seniors or high-risk activities. They provide maximum financial protection but cost 60% to 100% more than comprehensive options.

We gathered 5,000 travel insurance quotes from 13 companies across 42 different plans. The table below shows what each plan costs for trips worth $2,500, $5,000 and $10,000. Find your preferred company, then compare its plans across trip costs to see which level fits your budget.

Learn more about travel insurance costs and coverage:

1. Best Travel Insurance Plans
2. Best Travel Insurance Options for Seniors (Aged 65 to 80)
3. Cheapest Travel Insurance Plans and Companies
4. How Much Does Travel Insurance Cost?

Compare providers like the ones in the table below:

Travel insurance costs increase with trip cost. Our analysis across four trip costs shows what you'll pay.

Travel insurance costs stay flat until age 55. Seniors pay more for travel insurance due to increased medical risks, with the biggest increases after age 70.

Your destination affects insurance cost, but less than age, trip cost or coverage terms. Certain regions have higher insurance costs due to higher medical costs, political instability or natural disaster risks.

*The quotes above are based on a traveler aged 20 to 50 with a trip cost of $2,500.

Popular tourist destinations have standard pricing. This includes European countries, Thailand, Japan, Australia, New Zealand and Canada.

Greece, Turkey and Mexico cost 8% to 15% more to insure. Greece's remote island locations increase evacuation expenses, while Turkey's proximity to political instability raises costs.

India, Brazil and parts of Africa cost 15% to 25% more to insure. India's limited medical infrastructure means insurers often need to arrange medical evacuations to better-equipped facilities, driving up costs.

When comparing travel insurance, compare quotes for equal or similar protection. Prices vary by company for identical coverage, so getting multiple quotes can save you hundreds of dollars. Age, trip cost and destination all affect pricing. Buy within 10 to 21 days of your trip deposit for the best coverage options, including CFAR and pre-existing condition waivers.

MoneyGeek's expert resources for travel insurance: