Considering an overseas trip? Regardless of the purpose of your travel, whether it’s work, leisure, education, or embracing the digital nomad lifestyle, it is essential to acquire an international travel insurance policy. With the evolving travel regulations, climbing healthcare expenses, and unpredictable weather patterns in 2025, having the best international travel insurance policy is crucial now more than ever.
In this travel insurance guide, I will share with you the most important factors to consider, leading providers, and the best strategies for selecting the most suitable policy for your travels.
Why You Need International Travel Insurance
Policies for international travel insurance typically cover the following unexpected scenarios:
Traveling abroad for medical treatment and hospitalization
Cancellations of planned trips or stoppages of trips in progress owing to illness or travel bans
Delayed, lost, or stolen baggage
Missed and connected flight or delayed flight
Emergency evacuations during natural disasters, political upheaval or civil disorder
Expenses related to COVID - 19 (certain policies offer this coverage)
Best International Travel Insurance Features
Take note of the following key features when comparing travel insurance plans:
Medical emergencies- Make sure it covers not less than $100,000 in emergency medical issues.
Emergency Evacuation & Repatriation- A coverage of not less than $250,000 is recommended.
Trip Cancellation/Interruption Protection.
24/7 Global Assistance- Active customer support everywhere is crucial.
Adventure Sports Coverage- For those who will ski, scuba dive, or hike.
COVID-19 Coverage- Ensure it is included as it is still relevant in 2025.
For long term travel- Particularly for those who intend to travel for months.
Best Providers of International Travel Insurance
Given customer satisfaction, coverage options, and worldwide availability, these are some of the best rated international travel insurance companies:
- SafetyWing
Best for Digital Nomads & Long-Term Travelers
Monthly subscription-style plan
COVID-19 coverage included
Children under 10 are covered for free
- World Nomads
Best for Adventure Travel
Over 200 adventure activities covered
Well suited for backpackers, hikers, and solo travelers
Easy to add additional coverage with flexible policy extensions
- Allianz Travel Insurance
Best for Comprehensive Coverage
Includes single trip, annual, and multi-trip variants.
Strong global medical network.
Reputable and trusted worldwide.
- IMG Global (Patriot Travel)
Best for Customization
Tailored plans available for students, expats, missionaries, and business travelers.
Coverage options up to $8 million.
- AXA Assistance USA
Best for Family Travel
Robust coverage with additional options.
Coverage for trip cancellation and baggage loss.
Outstanding customer service.
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What Is the Price of International Travel Insurance?
The average cost of travel insurance is between 4% and 10% of the entire cost of your trip.
For Example:
You should budget between $120 and $300 for a two-week trip to Europe that costs $3,000.
Factors that affect the cost:
Age
The destination Length of trip
The amount of coverage
Extras (sports, high-risk areas, etc.)
Tips to Choose the Right Plan
many quotes on websites such as TravelInsurance.com, Squaremouth, and InsureMyTrip.
Learn what is excluded by reading the fine print.
Check out user reviews on the BBB, Trustpilot, or Reddit.
Verify that your destination is covered, particularly if it's a distant or high-risk location. Verify the criteria for your visa; some nations demand proof of insurance.
Conclusions
Avoid letting unforeseen issues spoil your trip abroad. Having the greatest international travel insurance provides you with peace of mind, regardless of whether you're moving temporarily or taking a quick trip.
Keep in mind that having something and not needing it is preferable to the opposite.
Have a safe trip!
