Traveling abroad is an exciting adventure, but it can also come with its fair share of risks. Whether you’re heading to Europe for a vacation, exploring Asia for business, or embarking on a world tour, travel insurance is a must-have to ensure your trip goes smoothly. From medical emergencies to lost luggage, travel insurance can provide peace of mind and financial protection.
In this guide, we’ll explore the best travel insurance plans for international trips in 2025, what they cover, and how to choose the right one for your needs.
🛡️ Why Do You Need Travel Insurance for International Trips?
When you’re traveling internationally, you’re often outside your usual network of healthcare providers and may not be familiar with local laws or emergency services. Here’s why travel insurance is essential:
- Medical emergencies: Health insurance from home might not cover you overseas. Travel insurance ensures you’re covered for medical expenses, including emergencies, hospital stays, and medical evacuation.
- Trip cancellations: Unexpected events, such as illness or family emergencies, can cause you to cancel or delay your trip. Travel insurance can reimburse you for non-refundable expenses like flights, hotels, and tours.
- Lost luggage: If your bags are delayed or lost, travel insurance helps cover the cost of replacing essential items like clothing and toiletries.
- Travel delays: Coverage for unforeseen delays, such as weather disruptions or flight cancellations, can help with accommodations and meals.
- Personal liability: If you’re involved in an accident or cause property damage abroad, liability coverage protects you from financial responsibility.
🏅 Top 5 Travel Insurance Plans for International Trips in 2025
Here are some of the best travel insurance plans for international travelers in 2025. These plans provide comprehensive coverage for a wide range of travel risks:
1. World Nomads
Best for: Adventure Travelers and High-Risk Activities
Overview: World Nomads is known for offering flexible and comprehensive travel insurance, especially for those engaging in adventurous activities like hiking, skiing, scuba diving, and more. If you’re planning on doing something more than just lounging on the beach, this is a great choice.
Key Features:
- Emergency medical expenses and medical evacuation
- Trip cancellation and interruption
- Lost or stolen luggage coverage
- Coverage for high-risk activities (e.g., bungee jumping, rock climbing)
- 24/7 assistance helpline
Why It’s Great:
World Nomads offers coverage tailored to adventurous travelers, with a high level of customization. The ability to purchase or extend coverage while traveling makes it unique.
Cost: Around $50–$100 per week (depending on coverage level and destination).
2. Travelex Travel Insurance
Best for: Family and Group Travel
Overview: Travelex is ideal for families or groups traveling together. They offer both basic and comprehensive plans, with options for cancellation protection, medical coverage, and trip delay benefits.
Key Features:
- Coverage for medical emergencies and evacuation
- Trip cancellation or interruption
- Baggage and personal item loss
- Travel delay benefits
- Rental car damage protection
- 24/7 emergency assistance
Why It’s Great:
Travelex’s Travel Select plan offers a variety of coverage options, making it adaptable to different needs. Its family coverage allows you to insure everyone on the trip under one plan.
Cost: Approximately $100–$300 per person for a two-week international trip.
3. AXA Assistance USA
Best for: Affordable, Comprehensive Coverage
Overview: AXA Assistance is a popular choice for budget-conscious travelers who still want reliable protection. Their plans offer comprehensive coverage without the high price tag, making them a great option for international trips.
Key Features:
- Emergency medical coverage (up to $1 million)
- Trip cancellation and trip interruption
- Lost or delayed baggage
- Flight delay and missed connection coverage
- 24/7 emergency assistance
Why It’s Great:
AXA offers affordable rates without sacrificing essential coverage. Their gold plan is ideal for travelers who want more comprehensive protection for medical expenses and trip cancellations.
Cost: Approximately $40–$120 per person for two weeks.
4. Allianz Global Assistance
Best for: Customizable Coverage and Easy Claims Process
Overview: Allianz is one of the most reputable travel insurance providers in the world, offering flexible plans that can be tailored to specific needs. Whether you’re traveling for leisure, business, or a combination of both, Allianz has a plan to fit.
Key Features:
- Emergency medical expenses and evacuation
- Trip cancellation, interruption, and delay
- Lost baggage and personal belongings
- Travel assistance services
- 24/7 concierge services for peace of mind
Why It’s Great:
Allianz offers a variety of plans that can be customized with additional coverage for things like adventure sports or rental car protection. They also have a streamlined claims process to make reimbursement easier.
Cost: Typically $50–$200 for a two-week international trip.
5. InsureMyTrip
Best for: Price Comparison and Flexibility
Overview: InsureMyTrip is an online platform that allows you to compare various travel insurance plans from top providers to find the best deal for your trip. It’s perfect if you want flexibility and the option to choose from multiple policies.
Key Features:
- Price comparison across multiple insurers
- Comprehensive coverage options (medical, trip interruption, luggage loss)
- 24/7 emergency assistance
- Ability to purchase coverage even after booking a trip
Why It’s Great:
InsureMyTrip takes the guesswork out of selecting travel insurance by offering you side-by-side comparisons of different policies. You can find the best value for the coverage you need.
Cost: Varies depending on the plan and provider, but typically $50–$200 per person for a two-week trip.
🔑 Key Considerations When Choosing Travel Insurance for International Trips
When selecting the best travel insurance for your international trip in 2025, consider these important factors:
1. Coverage for Medical Emergencies
Ensure that your plan offers emergency medical and evacuation coverage, especially if you’re traveling to a country with expensive healthcare. Some policies provide up to $1 million in coverage for medical emergencies abroad.
2. Trip Cancellation and Interruption
Look for coverage that reimburses non-refundable trip costs in case you need to cancel or cut your trip short due to an emergency, illness, or other covered event.
3. Baggage and Personal Belongings
Lost or delayed baggage can be a major inconvenience. Choose a policy that offers baggage delay or loss coverage to help you replace essential items while traveling.
4. Adventure Activities
If you plan to engage in adventurous activities like hiking, skiing, or scuba diving, make sure the insurance plan covers those activities. Many standard policies exclude certain high-risk activities.
5. 24/7 Assistance Services
Having access to 24/7 travel assistance can be invaluable, especially if you face an emergency situation. Ensure your insurance provider offers this service for quick support during your travels.
💡 Final Thoughts
Travel insurance is an essential investment for any international trip, providing the peace of mind you need to focus on enjoying your travels. The best travel insurance plans for 2025 offer comprehensive coverage at an affordable price, making them a smart choice for all types of travelers. Whether you’re traveling for leisure, business, or an adventure, make sure you’re covered with the right policy.
Pro Tip: Always read the fine print and ensure you fully understand the coverage limits, exclusions, and terms before purchasing your policy.