#1Rank
Editor's Choice
Travel Guard by AIG
4.7
- ✓$500,000 medical coverage
- ✓24/7 emergency travel assistance
- ✓CFAR upgrade available (75% reimbursement)
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Best Travel Insurance of 2026
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.
James Okafor
Senior Technology Reviewer
Published: Updated: 10 min readEditorially Reviewed
Quick Answer: Our Top Pick
- Best Overall
- Travel Guard by AIG
- Rating
- 4.7
- Best For
- Editor's Choice
- Bottom Line
- 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.
Our Top Picks
#2Rank
Most Trusted Brand
Allianz Travel Insurance
4.6
- ✓World's largest travel insurer — highly stable
- ✓Annual multi-trip plans for frequent travelers
- ✓Straightforward claims process
#3Rank
Best for Adventure Travel
World Nomads
4.6
- ✓200+ adventure sports covered
- ✓Buy or extend coverage after departure
- ✓Simple online claims process
#4Rank
Best for Long-Term Travel
IMG Global Medical
4.4
- ✓Best for stays over 30 days
- ✓Global medical network access
- ✓Renewable coverage for long-term stays
#5Rank
Budget Pick
Berkshire Hathaway Travel
4.3
- ✓Backed by Berkshire Hathaway's financial strength
- ✓Competitive pricing
- ✓Good flight-specific coverage
Best Travel Insurance of 2026
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 2026.
Side-by-Side Comparison
| 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 |
How We Tested
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.
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Frequently Asked Questions
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.
Editorially Independent
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