Why Travel Insurance Is More Important Than Ever in 2025
With global travel rebounding post-pandemic, Americans are traveling more than ever. Yet, unforeseen events-like flight cancellations, health emergencies, or geopolitical issues-still pose real risks. Travel insurance can:
- Cover medical emergencies abroad
- Reimburse trip cancellations or delays
- Protect against lost or stolen baggage
- Offer 24/7 travel assistance
According to the U.S. Travel Insurance Association (USTIA), nearly 30% more Americans purchased travel insurance in 2024 compared to the previous year—highlighting its growing importance in 2025.
What to Look For in a Travel Insurance Plan
Before diving into the best plans, it’s crucial to understand what makes a travel insurance policy effective in 2025. Look for:
1. Comprehensive Medical Coverage
Ensure the policy includes emergency medical and evacuation coverage of at least $100,000.
2. Trip Cancellation and Interruption Coverage
These benefits help recoup non-refundable expenses if you cancel for a covered reason.
3. COVID-19 and Pandemic Protection
Many policies now include coverage for pandemic-related disruptions. Always verify this before buying.
4. 24/7 Emergency Assistance
Round-the-clock access to support can be a lifesaver in a foreign country.
5. Customizable Options
Some travelers need adventure sports coverage, others want coverage for expensive gear or business equipment.
Compare the Top Travel Insurance Plans for Americans in 2025
We’ve researched dozens of insurance providers and shortlisted the top plans based on value, benefits, and customer reviews.
1. Allianz Travel Insurance (OneTrip Premier)
Why It’s a Top Choice:
- Medical coverage up to $100,000
- Trip cancellation coverage up to $100,000
- Emergency evacuation up to $1 million
- Free coverage for children under 17
- Access to 24/7 assistance hotline
Real-World Example: A family from Florida traveling to Europe had their child break an arm in Italy. Allianz covered the hospital bills and arranged emergency travel home.
2. Travel Guard by AIG (Preferred Plan)
Why It’s a Top Choice:
- Up to $150,000 in medical coverage
- CFAR (Cancel For Any Reason) upgrade available
- Strong reputation for claims service
- Optional adventure sports coverage
Trustworthiness: AIG is a globally recognized insurer, offering plans with high financial strength ratings
3. Seven Corners Travel Medical Plus
Why It’s a Top Choice:
- Excellent for long-term travelers and digital nomads
- Up to $1,000,000 in medical coverage
- Comprehensive telemedicine options
- Customizable add-ons and deductible flexibility
Expert Tip: Ideal for Americans staying abroad for several months.
4. Trawick International (Safe Travels Voyager)
Why It’s a Top Choice:
- COVID-19 coverage included
- Medical evacuation up to $1 million
- Primary coverage (no need to claim from other insurance first)
Real-World Example: A solo traveler in Southeast Asia used Trawick’s 24/7 emergency service during a dengue fever hospitalization. All expenses were covered, and emergency evacuation was available if needed.
5. World Nomads Explorer Plan
Why It’s a Top Choice:
- Best for adventure travelers
- Covers over 150+ adventure sports
- Medical and evacuation coverage
- Available to purchase even after departure
Expert Tip: Highly recommended for backpackers and thrill-seekers heading to remote areas.
Tips for Choosing the Right Plan in 2025
- Read the fine print: Pay attention to exclusions and claim procedures.
- Use comparison tools: Sites like Squaremouth and InsureMyTrip help you evaluate side-by-side.
- Consider multi-trip insurance: Frequent travelers might save more with annual plans.
- Watch for hidden fees: Some budget plans may have high deductibles or limited coverage.
Final Thoughts: Choosing Wisely for Safer Travels
When you compare the top travel insurance plans for Americans in 2025, the best plan is the one that aligns with your travel goals, risk tolerance, and budget. Whether you’re a first-time traveler or a seasoned explorer, don’t overlook the peace of mind that comprehensive travel insurance can provide.
We recommend starting with Allianz and AIG for overall value, but if you’re a nomad or an adrenaline junkie, Seven Corners or World Nomads may serve you better.