Traveling is an enriching experience, but it also involves risks. Unexpected events like medical emergencies, lost luggage, and flight cancellations can turn your dream trip into a big hassle. That's why getting travel insurance is essential.

But which are the best travel insurances? Which insurers offer the best coverage? How do you choose the ideal plan for your profile? In this article, you'll discover the best options available and learn how to select the most suitable insurance for your needs.

Why Should You Get Travel Insurance?

If you’re still unsure about the necessity of travel insurance, imagine the following situations:

• You have an accident and need urgent medical attention in a country where healthcare is expensive, like the USA.
• Your luggage is lost during an international connection, and you need immediate support.
• A family member back home gets sick, and you need to cancel your trip at the last minute.

Without adequate insurance, these unforeseen events can result in high expenses and major headaches. Travel insurance provides medical assistance, coverage for lost luggage, reimbursements for cancellations, and other essential benefits for your peace of mind.

In many countries, like the Schengen Area, travel insurance is mandatory for tourists. Additionally, some insurers offer coverage for emergencies related to COVID-19, ensuring you can travel with more safety.

Which Are the Best Travel Insurances? Explore the Top Choices

Now that you understand the importance of travel insurance, let's dive into the best options on the market. We evaluated factors like offered coverages, insurer reputation, and cost-benefit to recommend the ideal plans.

1. Allianz Travel

Allianz Travel is one of the most renowned insurers worldwide, recommended for various traveler profiles. Its highlights include:

✅ High medical coverage, ideal for trips to countries with expensive healthcare.✅ 24/7 assistance in multiple languages.✅ Coverage for lost luggage and trip cancellation.

If you're looking for a reliable insurer with comprehensive coverage, Allianz is an excellent choice.

2. World Nomads

World Nomads is very popular among backpackers and adventurers, as it offers special coverage for extreme sports. Its advantages include:

✅ Coverage for activities like surfing, trekking, and diving.✅ Option to renew insurance even after the trip has started.✅ Global service in multiple languages.

If your trip includes extreme adventures, World Nomads might be the ideal option.

3. Assist Card

Assist Card specializes in international medical assistance. Its plans include:

✅ High-value medical expenses coverage.✅ 24/7 emergency assistance.✅ Plans with COVID-19 coverage.

If you want complete security in medical emergencies, Assist Card is highly recommended.

4. Travel Ace

Travel Ace offers flexible insurance, adaptable to different traveler profiles. Its main benefits include:

✅ Medical care without age limits.✅ Coverage for long-term trips.✅ Affordable prices with broad coverage.

If you're looking for economical yet effective insurance, Travel Ace might be the best option.

5. SafetyWing

SafetyWing stands out among digital nomads, offering flexible insurance for long stays abroad. Its benefits include:

✅ Subscription plans, no manual renewal needed.✅ Coverage for telemedicine and hospitalizations.✅ Possibility of coverage for trips to multiple destinations.

If you work remotely and travel frequently, SafetyWing might be an excellent choice.

How to Choose the Best Travel Insurance?

Choosing the ideal insurance depends on several factors, such as destination, trip duration, and planned activities. Here are some essential criteria when purchasing travel insurance:

1. Medical Coverage

Medical coverage is one of the most important aspects of travel insurance. Consider the following:

• For trips to the USA, a minimum coverage of $50,000 is recommended.
• In European countries, the Schengen Area requires a minimum of €30,000 in medical coverage.
• If you practice extreme sports, check if the policy covers accidents related to these activities.

2. Coverage for Lost Luggage

Many travelers face issues with lost luggage. A good insurance should offer:

• Quick reimbursement for essential items in case your luggage is lost.
• Coverage for stolen luggage, ensuring compensation if your belongings are stolen.

3. Trip Cancellation and Interruption

If you need to cancel your trip due to illness or emergencies, insurance that covers cancellation can prevent financial losses.

• Check if the insurance covers COVID-19 cancellations or family emergencies.
• Some insurers offer reimbursement for missed flights due to delays.

4. 24/7 Assistance and Support in Your Language

Traveling to another country can be complicated, and having support in your language makes all the difference. Prefer insurers that offer 24/7 support in your language.

5. Price and Cost-Benefit

The cheapest insurance isn’t always the best option. Compare the benefits offered against the price to ensure a good cost-benefit.

Extra Tips to Choose the Perfect Travel Insurance

Here are some extra tips to make sure you choose the best insurance:

✅ Read reviews from other travelers – Platforms like Trustpilot and consumer complaint sites can help verify the insurer's reputation.✅ Check policy exclusions – Some insurers don’t cover pre-existing conditions or specific events.✅ Consider an annual insurance plan – If you travel often, an annual plan can be cheaper than multiple individual policies.✅ Use travel insurance comparison sites – Websites like InsureMyTrip and Squaremouth help compare prices and coverages from different insurers.

Conclusion

Whether it’s for a short trip or a long stay, getting travel insurance is essential for your safety and peace of mind. Which are the best travel insurances? The answer depends on your profile, but insurers like Allianz Travel, World Nomads, and Assist Card are among the top recommendations.

Before buying insurance, evaluate the offered coverage, insurer support, and cost-benefit. A well-made choice can avoid headaches and ensure your trip is unforgettable for the best reasons.

💡 Now it’s your turn! Have you chosen your travel insurance? Share your experiences in the comments and help other travelers make the best decision!