Top 5 Travel Insurance Companies to Compare Before 2027

Planning a vacation before 2027? Whether you are taking a domestic trip, traveling internationally, or booking a family holiday, unexpected events can affect your travel plans and expenses.

Travel insurance can help protect eligible prepaid trip costs and provide coverage for certain medical emergencies, travel delays, and baggage problems. However, coverage differs between providers and policies.

If you are comparing travel insurance in the United States, here are five companies worth researching before choosing a policy.

1. Allianz Travel Insurance

Allianz Travel Insurance offers several travel protection options for individuals, families, and frequent travelers.

Its plans may include benefits such as:

• Trip cancellation and interruption
• Emergency medical expenses
• Emergency medical transportation
• Travel delays
• Lost, damaged, or delayed baggage

Allianz also offers annual travel insurance options for people who take multiple trips throughout the year.

Worth comparing for: Travelers looking for different trip protection options, including annual coverage.

Before purchasing: Compare medical limits, cancellation benefits, baggage coverage, and the exclusions in the specific plan.

2. Travelex Insurance Services

Travelex offers customizable travel insurance plans for different types of trips and budgets.

Depending on the policy, coverage may include:

• Trip cancellation and interruption
• Emergency medical expenses
• Emergency medical evacuation
• Travel delays
• Baggage loss and delay

Travelex was recognized among the overall travel insurance companies in the 2026 U.S. News ratings. NerdWallet also identified it as its best overall provider in its June 2026 comparison.

Worth comparing for: Travelers who want to compare customizable comprehensive travel protection.

Before purchasing: Review the medical coverage limits, optional upgrades, and eligibility requirements for any waivers.

3. Seven Corners

Seven Corners provides travel protection and travel medical insurance options for domestic and international travelers.

Depending on the selected plan, benefits may include:

• Trip cancellation and interruption
• Emergency medical expenses
• Emergency medical evacuation
• Baggage protection
• Optional interruption coverage

Some plans also offer specialized benefits and optional upgrades for travelers who need additional flexibility.

Worth comparing for: International travelers and people who want to examine medical and evacuation coverage options.

Before purchasing: Check the policy's medical limits, evacuation conditions, deductibles, and optional coverage costs.

4. Travel Guard

Travel Guard, associated with AIG, offers several travel insurance plans, including Essential, Preferred, and Deluxe options.

Its plans can include:

• Trip cancellation and interruption
• Emergency medical expenses
• Emergency evacuation
• Travel delay protection
• Baggage loss and delay benefits

Some plans also offer optional Cancel For Any Reason coverage and pre-existing medical condition exclusion waivers, subject to eligibility and purchase deadlines.

Worth comparing for: Travelers who want multiple coverage levels and optional upgrades.

Before purchasing: Compare the differences between plan levels and check the requirements for early-purchase benefits.

5. Tin Leg

Tin Leg offers several travel insurance plans designed for different travel needs.

Depending on the selected plan, benefits may include:

• Trip cancellation and interruption
• Emergency medical coverage
• Medical evacuation
• Baggage protection
• Optional Cancel For Any Reason coverage
• Certain adventure-sports benefits

NerdWallet's 2026 review highlighted Tin Leg for travelers with unpredictable work schedules because some plans offer additional work-related cancellation protection.

Worth comparing for: Travelers who want different plan choices and optional coverage for specific circumstances.

Before purchasing: Check which cancellation reasons qualify, whether adventure activities are covered, and the limits on optional benefits.

What Should You Compare Before Buying Travel Insurance?

Before choosing a travel insurance company, look beyond the advertised premium. Compare the actual policy benefits and conditions.

1. Trip Cancellation Coverage

Check which reasons qualify for reimbursement if you need to cancel your trip. Standard cancellation coverage does not cover every possible reason.

2. Emergency Medical Coverage

Review the maximum amount available for eligible medical expenses, especially when traveling internationally.

3. Medical Evacuation Benefits

Check the evacuation coverage limit and the circumstances under which transportation is covered.

4. Pre-Existing Medical Conditions

Read the policy's exclusions and check whether a pre-existing medical condition waiver is available. Some waivers require purchasing coverage within a specific period after the initial trip payment.

5. Travel Delay and Baggage Protection

Compare the reimbursement limits, waiting periods, and documentation requirements for delayed flights and baggage problems.

6. Policy Price

Travel insurance commonly costs approximately 4%–10% of the total trip cost, although actual premiums vary.

For example, a policy for a $5,000 trip might cost approximately $200–$500 using that illustrative range. This is not a quote; the final price depends on the traveler, destination, dates, and selected benefits.

Final Thoughts

Allianz, Travelex, Seven Corners, Travel Guard, and Tin Leg are five travel insurance companies worth comparing before 2027.

Each offers different plan structures and coverage options. Instead of choosing based only on company reputation or price, compare the medical benefits, cancellation rules, evacuation limits, exclusions, and claim requirements.

Request quotes for the same trip details from multiple providers and read the complete policy documents before purchasing. This can help you identify coverage that fits your travel plans and budget.