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We analyzed 30+ travel insurance policies for coverage breadth, claim processing speed, and value. Here are the best travel insurance plans for every type of traveler.
Senior Technology Reviewer
Travel Guard offers the most comprehensive coverage of any travel insurance plan we reviewed, with 24/7 assistance, high medical limits, and excellent CFAR (Cancel for Any Reason) upgrades.
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Cons
Allianz is the world's largest travel insurance provider, offering reliable coverage, fast claim processing, and excellent annual multi-trip plans for frequent travelers.
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Cons
World Nomads is the go-to for adventure travelers and backpackers, covering 200+ adventure activities that most standard policies exclude — from skiing to scuba diving to motorbike rental.
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IMG Global is the best option for digital nomads, expats, and long-term travelers, offering plans that cover multi-month or annual stays with comprehensive international health coverage.
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Berkshire Hathaway Travel Protection offers solid basic coverage at budget-friendly prices, with the financial backing of one of the world's most stable insurance companies.
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Travel insurance isn't exciting until you need it — and when you do, the right policy can save you tens of thousands of dollars. After reviewing 30+ policies and consulting with licensed insurance analysts, here are the best travel insurance plans for 2025.
| Feature | Travel Guard by AIG | Allianz Travel Insurance | World Nomads | IMG Global Medical | Berkshire Hathaway Travel |
|---|---|---|---|---|---|
| Rating | 4.7 | 4.6 | 4.6 | 4.4 | 4.3 |
| CFAR Option | Yes (+40% premium) | On AllTrips Premier plan only | — | — | Yes |
| Baggage Loss | Up to $2,500 | Up to $1,000 | Up to $3,000 | Select plans | Up to $2,500 |
| Medical Coverage | Up to $500,000 | Up to $50,000 | Up to $100,000 | Up to $8,000,000 | Up to $100,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | Up to $10,000 | Select plans | 100% of trip cost |
| Medical Evacuation | Unlimited | Up to $500,000 | Up to $500,000 | Included | Up to $1,000,000 |
| Adventure Sports | — | — | 200+ activities covered | — | — |
| Plan Duration | — | — | — | Monthly to annual | — |
| Pros | 3 pros | 3 pros | 3 pros | 3 pros | 3 pros |
| Cons | 2 cons | 2 cons | 2 cons | 2 cons | 2 cons |
| Visit Site | Visit Site | Visit Site | Visit Site | Visit Site |
Our editorial team conducted hands-on testing using a standardized methodology developed over years of product evaluation. Each product was assessed across multiple real-world scenarios before recommendations were finalized.
Read our full testing methodology →ExpertPicked is editorially independent. Advertisers never influence our rankings or recommendations. Every review is produced by credentialed experts with hands-on experience in their respective fields.
Reviewed by
James OkaforSenior Technology Reviewer
James Okafor is a technology journalist and former CNET contributor with 9 years of experience reviewing consumer tech, cybersecurity software, and digital privacy tools. He has a computer science degree from MIT and has reviewed over 400 tech products. James runs his own home lab for testing VPNs, security software, and smart home devices under real-world conditions.
By James Okafor · 8 min read