{"id":372,"date":"2019-06-17T15:46:52","date_gmt":"2019-06-17T15:46:52","guid":{"rendered":"https:\/\/www.nomadicmatt.com\/?p=173457"},"modified":"2019-06-17T15:46:52","modified_gmt":"2019-06-17T15:46:52","slug":"the-7-best-travel-insurance-companies-in-2019","status":"publish","type":"post","link":"https:\/\/ourfunjourney.com\/index.php\/2019\/06\/17\/the-7-best-travel-insurance-companies-in-2019\/","title":{"rendered":"The 7 Best Travel Insurance Companies in 2019"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/media.nomadicmatt.com\/2019\/bestinsurance1.jpg\" alt=\"A lone commercial airliner flying over Australia\"><br \/>\n<strong>Posted:<\/strong> 6\/17\/2019 | June 17th, 2019<\/p>\n<p><a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/planning-a-trip\/\"  rel=\"noopener noreferrer\">Planning a trip<\/a> can be a lot of fun. Researching amazing bucket list activities, daydreaming about picture-perfect beaches and epic hikes, booking the <a href=\"https:\/\/www.nomadicmatt.com\/travel-tips\/how-to-find-a-cheap-flight\/\"  rel=\"noopener noreferrer\">cheap flights<\/a> that will take you to the world\u2019s most amazing destinations \u2014 it\u2019s the fun part of planning. It gives you ownership of your trip and lets you imagine all the amazing adventures you\u2019ll get into. <\/p>\n<p>What is significantly less fun (yet equally important) is searching for the right <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/travel-insurance\/\"  rel=\"noopener noreferrer\">travel insurance<\/a> plan for your trip.<\/p>\n<p>Reading through the fine print, searching out reviews you can trust, picking the best plan \u2014 it can all be a little tedious. <\/p>\n<p>And if you\u2019re a new traveler, it can also be a little overwhelming.<\/p>\n<p>There are hundreds of companies out there \u2013 all offering the \u201csame\u201d plans. They all have different prices too. Which one is the best? Which review is right?<\/p>\n<p>To help you stay safe during your next trip, I wanted to share my thoughts on the best travel insurance companies on the market. I\u2019ve been backpacking since 2004 and researching companies for a living since 2007. I\u2019ve spent a lot of time reading the fine print (have you ever read NY\u2019s insurance compliance laws? Well, don\u2019t.)  <\/p>\n<p>To save you time, I\u2019ve compiled a list of the best travel insurance companies. Whether you\u2019re heading south to escape from work or traveling abroad on a <a href=\"https:\/\/www.nomadicmatt.com\/travel-tips\/buying-a-rtw-ticket\/\"  rel=\"noopener noreferrer\">round-the-world trip<\/a>, this list will help you find a company that works for your trip &#8211; and your budget.<\/p>\n<div class=\"nm-toc\">\n<p class=\"nm-toc-title\">Table of Contents<\/p>\n<ol>\n<li>Best overall insurance: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#first\">World Nomads<\/a><\/li>\n<li>Best company for medical evacuation: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#second\">Medjet<\/a><\/li>\n<li>Best company for older travelers: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#third\">Insure My Trip<\/a><\/li>\n<li>Best company for students: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#fourth\">STA<\/a><\/li>\n<li>Best company for expats: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#fifth\">IMGlobal<\/a><\/li>\n<li>Best supplemental coverage: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#sixth\">Clements<\/a><\/li>\n<li>Honorable Mention: <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/#seventh\">Your travel credit card<\/a><\/li>\n<\/ol>\n<\/div>\n<p>&nbsp;<\/p>\n<h3 a id=\"first\">OUR TOP PICK: World Nomads<\/a><\/h3>\n<p>I\u2019ve been using <a href=\"https:\/\/www.worldnomads.com\/Turnstile\/AffiliateLink?partnerCode=nmts&amp;utm_source=nmts&amp;source=travelinsurancelink&amp;utm_content=weblink&amp;path=https:\/\/www.worldnomads.com\/travel-insurance\/\"  rel=\"noopener noreferrer\">World Nomads<\/a> for the past decade and have never been disappointed. Their plans are comprehensive and great for travelers visiting more than one country in a single trip. It\u2019s easy to read their policies and see what\u2019s covered (and what isn\u2019t), and their customer service is top notch. And if you want to learn more before you purchase or have questions after you sign up, their customer support is there to help.<\/p>\n<p>This company is perfect for adventurous travelers who plan to do things like hiking, kayaking or canoeing, and even some extreme sports like rock climbing bungee jumping. With 100 different activities are covered, <a href=\"https:\/\/www.worldnomads.com\/Turnstile\/AffiliateLink?partnerCode=nmts&amp;utm_source=nmts&amp;source=travelinsurancelink&amp;utm_content=weblink&amp;path=https:\/\/www.worldnomads.com\/travel-insurance\/\"  rel=\"noopener noreferrer\">World Nomads<\/a> is the best choice for the active traveler.<\/p>\n<p>Here\u2019s a quick overview:<\/p>\n<ul>\n<li>Emergency medical and dental coverage<\/li>\n<li>Coverage for trip cancelations, delays, and interruptions<\/li>\n<li>Baggage protection<\/li>\n<li>Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)<\/li>\n<li>Medical transportation<\/li>\n<li>24\/7 customer assistance<\/li>\n<\/ul>\n<p>They are the perfect company if you\u2019re a backpacker or long term traveler. The company was founded by backpackers so they keep people who travel long term in mind in their plans and customer service. This is my go-to insurance company and one I\u2019ve been using for years. If it sounds like the company for you, you can use the widget below to get a quote:<\/p>\n<p><script type='text\/javascript' src='https:\/\/www.worldnomads.com\/Partner\/GetPartnerWidget?partnerCode=nmts&#038;source=widget&#038;%23038;loadWithPanelExpanded=true&#038;%23038;cssVariant=landscape' async ><\/script><\/p>\n<div id=\"wn-insurance-quote-editor\" style=\"max-width: 100%;\"><\/div>\n<p>&nbsp;<br \/>\n(Want to learn more? Check out <a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/world-nomads-review\/\"  rel=\"noopener noreferrer\">my comprehensive World Nomads review<\/a>!)<\/p>\n<h3 a id=\"second\">Medjet<\/a><\/h3>\n<p><a href=\"https:\/\/medjetassist.com\/NomadicMatt\"  rel=\"noopener noreferrer\">Medjet<\/a> is the premier membership program for medical transportation. Their extensive plans focus on crisis response and emergency transportation and they have amazing staff on hand to help you through it all. <\/p>\n<p>While many insurance companies will just evacuate you to the nearest hospital in an emergency, MedJet goes above and beyond to ensure that you\u2019re repatriated and not stuck in a foreign medical facility away from your friends and family. <\/p>\n<p>They have both short-term and annual plans, too, so no matter what your travel plans are you\u2019ll be able to find the affordable coverage that you need.<\/p>\n<p>Here\u2019s a quick overview of MedJet:<\/p>\n<ul>\n<li>Extensive medical transport coverage<\/li>\n<li>Limited time spent in foreign medical facilities<\/li>\n<li>Both short-term and annual plans<\/li>\n<li>Available for residents of the US, Canada, and Mexico <\/li>\n<\/ul>\n<p><a href=\"https:\/\/medjetassist.com\/NomadicMatt\"  rel=\"noopener noreferrer\">Medjet<\/a> is the perfect company for anyone looking to avoid time spent in foreign medical facilities should an emergency or crisis occur.<\/p>\n<h3 a id=\"third\">Insure My Trip<\/a><\/h3>\n<p><a href=\"https:\/\/www.insuremytrip.com\/?linkid=GB841615\"  rel=\"noopener noreferrer\">Insure My Trip<\/a> isn\u2019t actually an insurance company that issues its own plans. Rather, they recommend plans and help you compare prices so you can buy the plan that\u2019s best for you. <\/p>\n<p>With Insure My Trip, you can compare plans from almost 30 different insurance providers. They are the go-to company for senior travelers as well, since many travel insurance companies won\u2019t cover travelers over 65. Insure My Trip provides comparisons from insurance companies that cover older travelers, making them the best option for retirees and other senior adventurers.<\/p>\n<p>Here\u2019s a quick overview of Insure My Trip:<\/p>\n<ul>\n<li>Guaranteed low prices<\/li>\n<li>Coverage for senior travelers over 65<\/li>\n<li>\u201cAnytime advocates\u201d ask the insurer to give your claim a second look if you think it was unfairly denied.<\/li>\n<li>Comparisons from 28 different companies to ensure you get the best plan <\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.insuremytrip.com\/?linkid=GB841615\"  rel=\"noopener noreferrer\">Insure My Trip<\/a> is the best choice for older travelers looking for comprehensive coverage over the age of 65.<\/p>\n<h3 a id=\"fourth\">STA<\/a><\/h3>\n<p><a href=\"http:\/\/www.anrdoezrs.net\/links\/3032045\/type\/dlg\/http:\/\/www.statravel.com\/travel-insurance.htm\"  rel=\"noopener noreferrer\">STA<\/a> is an online travel agency that is known for its flights and travel packages. But they also sell affordable travel insurance too. STA provides budget-friendly plans for students and teachers, offering coverage for as little as $99 USD for 1 year. <\/p>\n<p>It\u2019s the best choice for anyone studying abroad or teaching overseas. You\u2019ll also get an ISIC card, which includes tons of additional perks and discounts!<\/p>\n<p>Here\u2019s a quick overview of STA Travel Insurance:<\/p>\n<ul>\n<li>Budget-friendly plans<\/li>\n<li>ISIC card benefits in over 125,000 locations<\/li>\n<li>Basic coverage options<\/li>\n<li>Great for students\/shoestring backpackers.<\/li>\n<\/ul>\n<p><a href=\"http:\/\/www.anrdoezrs.net\/links\/3032045\/type\/dlg\/http:\/\/www.statravel.com\/travel-insurance.htm\"  rel=\"noopener noreferrer\">STA<\/a> is the best choice for student travelers and teachers working overseas who only need basic travel insurance coverage.<\/p>\n<h3 a id=\"fifth\">IMGlobal<\/a><\/h3>\n<p><a href=\"https:\/\/www.imglobal.com\/\"  rel=\"noopener noreferrer\">IMGlobal<\/a> provides insurance plans that are more akin to your standard US health insurance. They have comprehensive coverage for long-term travelers, plans for non-US citizens, and affordable plans for visitors to the US as well. They have basic plans for students and budget-conscious travelers as well as more robust plans for families and expats. <\/p>\n<p>Their plans cover single trips; however, they also have multi-trip plans for travelers heading out on more than one trip per year.<\/p>\n<p>Here\u2019s a quick overview of IMGlobal:  <\/p>\n<ul>\n<li>Best for expats and long-term travelers<\/li>\n<li>The closest option to normal US health insurance <\/li>\n<li>Available for non-US residents<\/li>\n<li>16 different plans to choose from<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.imglobal.com\/\"  rel=\"noopener noreferrer\">IMGlobal<\/a> is the best insurance company for expats and long-term travelers who want coverage beyond medical emergencies.<\/p>\n<h3 a id=\"sixth\">Clements<\/a><\/h3>\n<p><a href=\"https:\/\/www.clements.com\/\"  rel=\"noopener noreferrer\">Clements<\/a> focuses on insurance coverage for expats as well as coverage for high-end gear (such as laptops, smartphones, and cameras). Many travel insurance companies only provide minimal coverage for your expensive electronics, which means you\u2019ll have to pay a lot of money out of pocket to replace them should they get lost, damaged, or stolen while you\u2019re abroad. They also offer plans with low or no deductibles so you can rest assured that, should the worst happen, you can replace your valuables without breaking the bank.<\/p>\n<p>Here\u2019s a quick overview of Clements:<\/p>\n<ul>\n<li>High-end electronics coverage<\/li>\n<li>Low (or no) deductibles<\/li>\n<li>Premium plans with unlimited coverage<\/li>\n<li>Available both inside and outside of the US<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.clements.com\/\"  rel=\"noopener noreferrer\">Clements<\/a> is the best insurance option for anyone traveling with expensive electronics who need comprehensive coverage.<\/p>\n<h3 a id=\"seventh\">Honorable Mention: Credit Card Coverage<\/a><\/h3>\n<p>While not the most comprehensive, many <a href=\"https:\/\/www.nomadicmatt.com\/travel-tips\/picking-a-travel-credit-card\/\"  rel=\"noopener noreferrer\">travel credit cards<\/a> will include some degree of travel insurance. Coverage is often limited and might only apply to trips or items purchased with the card. And there may be limited dates of coverage too. <\/p>\n<p>However, something is better than nothing! But while it can be tempting to go for a free insurance plan from your credit card company, their plans are usually not that comprehensive and have minimal coverage and\/or limited compensation. These free plans are best used as supplemental coverage in addition to a plan from one of the companies above. <\/p>\n<p>But it\u2019s always great to have options (especially free ones). Be sure to learn more about the best travel credit cards before your next trip (you\u2019ll have to read the fine print).<\/p>\n<p><center>***<\/center><\/p>\n<p>Nobody plans on getting hurt when they travel. And in a perfect world, we wouldn\u2019t. But we all know that this isn\u2019t a perfect world.<\/p>\n<p>My bags were stolen when I was traveling in <a href=\"https:\/\/www.nomadicmatt.com\/travel-guides\/south-africa-travel-guide\/\"  rel=\"noopener noreferrer\">South Africa<\/a>.<\/p>\n<p>I popped my eardrum while diving in <a href=\"https:\/\/www.nomadicmatt.com\/travel-guides\/thailand-travel-tips\/\"  rel=\"noopener noreferrer\">Thailand<\/a>.<\/p>\n<p><a href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/getting-stabbed-in-colombia\/\"  rel=\"noopener noreferrer\">And I was even stabbed while backpacking in Colombia<\/a>.<\/p>\n<p>Obviously, I didn\u2019t plan for any of these things to happen.<\/p>\n<p>But they did.<\/p>\n<p>And I was lucky I had travel insurance to help me cover the costs. So before you head out on your next trip, make sure that you\u2019re covered. Invest in your own safety and peace of mind. I promise you, it\u2019s worth the money.<\/p>\n<div class=\"single-booking\">\n<h4>Book Your Trip: Logistical Tips and Tricks<\/h4>\n<p><strong>Book Your Flight<\/strong><br \/>\nFind a cheap flight by using <a href=\"http:\/\/www.anrdoezrs.net\/click-3032045-12837948\"  rel=\"noopener noreferrer\">Skyscanner<\/a> or <a href=\"https:\/\/www.awin1.com\/cread.php?awinmid=9904&#038;awinaffid=509047&#038;%23038;clickref=&#038;%23038;p=\"  rel=\"noopener noreferrer\">Momondo<\/a>. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned. <\/p>\n<p><strong>Book Your Accommodation<\/strong><br \/>\nYou can book your hostel with <a href=\"https:\/\/prf.hn\/click\/camref:1101lHtj\"  rel=\"noopener noreferrer\">Hostelworld<\/a> as they have the largest inventory. If you want to stay somewhere other than a hostel, use <a href=\"https:\/\/www.booking.com\/index.html?aid=362916\"  rel=\"noopener noreferrer\">Booking.com<\/a> as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time. <\/p>\n<p><strong>Don&#8217;t Forget Travel Insurance<\/strong><br \/>\nTravel insurance will protect you against illness, injury, theft, and cancellations. It&#8217;s comprehensive protection in case anything goes wrong. I never go on a trip without it as I&#8217;ve had to use it many times in the past. I&#8217;ve been using <a href=\"https:\/\/www.worldnomads.com\/lovedby\/nomadic-matt?affiliate=nmts&amp;subId=brandlink&amp;affiliateTrackingId=0fe898ceef264503a88f74f4bbc7bb5b&amp;utm_source=nmts&amp;utm_medium=affiliate&amp;utm_campaign=Affiliate&amp;utm_content=brandlink\"  rel=\"noopener noreferrer\">World Nomads<\/a> for ten years. My favorite companies that offer the best service and value are:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.worldnomads.com\/lovedby\/nomadic-matt?affiliate=nmts&amp;subId=brandlink&amp;affiliateTrackingId=0fe898ceef264503a88f74f4bbc7bb5b&amp;utm_source=nmts&amp;utm_medium=affiliate&amp;utm_campaign=Affiliate&amp;utm_content=brandlink\"  rel=\"noopener noreferrer\">World Nomads<\/a> (for everyone below 70)<\/li>\n<li><a href=\"https:\/\/www.insuremytrip.com\/?linkid=GB841615\" rel=\"noopener noreferrer\" >Insure My Trip<\/a> (for those over 70)<\/li>\n<\/ul>\n<p><strong>Looking for the best companies to save money with?<\/strong><br \/>\nCheck out my <a href=\"https:\/\/www.nomadicmatt.com\/travel-resources\/\"  rel=\"noopener noreferrer\">resource page<\/a> for the best companies to use when you travel! I list all the ones I use to save money when I travel &#8211; and that will save you time and money too! <\/p>\n<\/div>\n<p>The post <a rel=\"nofollow\" href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/\">The 7 Best Travel Insurance Companies in 2019<\/a> appeared first on <a rel=\"nofollow\" href=\"https:\/\/www.nomadicmatt.com\/\">Nomadic Matt&#039;s Travel Site<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Posted: 6\/17\/2019 | June 17th, 2019 Planning a trip can be a lot of fun. Researching amazing bucket list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world&rsquo;s most amazing destinations &mdash; it&rsquo;s the fun part of planning. It gives you ownership of your trip [&hellip;]<\/p>\n<p>The post <a rel=\"nofollow\" href=\"https:\/\/www.nomadicmatt.com\/travel-blogs\/best-travel-insurance-companies\/\">The 7 Best Travel Insurance Companies in 2019<\/a> appeared first on <a rel=\"nofollow\" href=\"https:\/\/www.nomadicmatt.com\/\">Nomadic Matt&#8217;s Travel Site<\/a>.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59,28,26,70],"tags":[],"class_list":["post-372","post","type-post","status-publish","format-standard","hentry","category-insurance","category-shgit","category-travel-gear","category-travel-insurance"],"_links":{"self":[{"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/posts\/372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/comments?post=372"}],"version-history":[{"count":2,"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/posts\/372\/revisions"}],"predecessor-version":[{"id":404,"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/posts\/372\/revisions\/404"}],"wp:attachment":[{"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/media?parent=372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/categories?post=372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ourfunjourney.com\/index.php\/wp-json\/wp\/v2\/tags?post=372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}