Last Updated: 11/26/21 | November 26th, 2021
Planning a trip can be a lot of fun: researching remarkable bucket-list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world’s a lot of remarkable destinations. planning gives you ownership of your trip and lets you imagine all the terrific adventures you’ll have.
What is substantially less fun (yet equally important) is searching for the ideal travel insurance plan for your trip.
Reading through the fine print, searching out reviews you can trust, picking the best plan — it can be a little tedious.
It can also be a little overwhelming.
There are hundreds of companies out there, all using seemingly similar plans. but they all have different prices too. أي واحد هو الأفضل؟ Which review is right?
To help you figure it all out, I wanted to share my thoughts on the best travel insurance companies on the market. I’ve been backpacking considering that 2004 and researching companies for a living considering that 2007. I’ve spent a lot of time reading the fine print. (Have you ever read NY’s insurance compliance laws? Well, don’t.)
To save you time, I’ve compiled a list of the best travel insurance companies. Whether you’re heading south to escape from work or traveling abroad on a round-the-world trip, this list will help you find a company that works for you and your budget.
جدول المحتويات
Best overall insurance: safety Wing
Second best overall: world Nomads
Best company for medical evacuation: Medjet
Best company for older travelers: Insure My Trip
Best company for expats: IMGlobal
Honorable Mention: Your travel credit scores card
OUR top PICK: safety Wing
Safety Wing is one of the new players in the travel insurance world. It’s a Norwegian startup based out of California that is specifically focused on remote workers and digital nomads. To me, they are the best overall company out there. They offer really economical and robust policies.
Here’s a quick introduction of safety Wing:
Offers economical monthly plans with a deductible
Plans can be purchased at home before you go or abroad after you’ve departed
Claims can be filed online
After being abroad for 90 days, you keep your medical coverage for 30 days in your home country
Up to 2 children under 10 per family (1 per adult) can be included on your plan complimentary of charge
Up to $5,000 USD for trip interruption (with no deductible)
Best for digital nomads and frugal travelers
Its plans are cheap too. It’s great that they offer a flat monthly rate (based on coverage and age), but there is a $250 USD medical deductible you’ll have to pay.
Plus, electronics such as phones, laptops, and cameras are not covered, and in this day and age, that’s just crazy. (If the items are checked luggage and are lost/stolen, you can get reimbursed up to $500 USD per item, but who ever checks their expensive items?)
Pros
Super affordable
Offers some COVID-19 coverage
Backed by a single insurance company
Covers up to age 69
سلبيات
Deductible
No trip cancellation coverage (and only minor trip delay coverage)
Payout by check and wire transfer only (no direct deposit)
Limited coverage for your gear and adventure activities
Safety Wing is a good option for any individual traveling on a tight budget who just needs basic coverage. If you want some medical coverage, don’t care about your electronics or robust trip cancellation or interruption, and just want an inexpensive plan, safety Wing is the best.
Monthly plans start at $40 USD per month, plus a $250 USD deductible. If you just want basic “I just want to be covered for the big stuff” coverage, this company is it.
Note: If you will be traveling in the USA, monthly plans cost $73 USD per month.
World Nomads
I’ve been using world Nomads uses detailed plansand is great for adventurous travelers who plan to do things like hiking, kayaking, canoeing, and even some extreme sports like rock climbing or bungy jumping. With 200 different activities covered, world Nomads is the best choice for active travelers.
Here’s a quick introduction of world Nomads:
Emergency medical and dental coverage
Coverage for trip cancelations, delays, and interruptions
Coverage up to age 69 (depending on where you’re from)
Baggage protection
Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
Medical transportation
24/7 customer assistance
Coverage for some COVID-19 medical costs
Pros
Tiers for basic and premium coverage
Can submit a claim after your trip ends
Offers some COVID coverage
Everything can be done by means of the website
Trusted by brands like Lonely Planet, Eurail, and Intrepid Travel
سلبيات
Claims paid by check
No car rental coverage on the standard Plan
They also offer the most trip cancellation, interruption, and delay coverage out there — a lot more so than othercompanies we looked at.
Prices vary based on your age and country of residency, as well as where you’re going and for how long. As a general rule, a one-month policy costs around $120 USD for the standard Plan. However, that drops to $105 USD for multi-month trips.
While world Nomads is pretty pricey compared to other companies provided here, they cover a lot a lot more things than those companies. With them, really get what you pay for — and that is very detailed coverage. NOTE: If you’re a us traveler, use safety Wing. They have better us service.
Medjet
Medjet is the premier membership program for medical transportation. Its substantial plans focus on crisis action and emergency transportation, and it has remarkable staff on hand to help you through it all.
While lots of insurance companies will just evacuate you to the nearest healthcare facility in an emergency, Medjet goes above and beyond to make sure that you’re repatriated (i.e. sent back to the country you live in) and not stuck in a foreign medical facility away from your friends and family.
There are both short-term and annual plans, too, so no matter what your travel plans are, you’ll be able to find the economical coverage that you need.
Here’s a quick introduction of Medjet:
Extensive medical transport coverage that will get you home
Allows you to figure out to which medical facility to be moved
Does not require government-issued warnings to initiate evacuation
Medical transfer available in the us as well as abroad
Limited time spent in foreign medical facilities
Both short-term and annual plans
Available for residents of the US, Canada, and Mexico
Pros
Will get you home (not just to the nearest “acceptable” medical facility)
Affordable annual plans
Two tiers of coverage: basic and premium plans
Offers global coverage for COVID-19
Offers coverage up to age 74 (with potential extended coverage to 84)
سلبيات
Only available to North American travelers (US, Canada, Mexico)
No trip cancellation, trip delay, or baggage coverage
Medjet is the best company for any individual seeking to avoid time spent in foreign medical facilities must an emergency or crisis occur. It’s a great supplement to a lot more basic travel insurance plans, especially if you’re anxious about being transported home.
Annual plans start as low as $295 USD per person.
Insure My Trip
Insure My trip isn’t actually an insurance company that issues its own plans. Rather, it recommends plans and helps you compare prices so you can get the plan that’s best for you. think of it as a Skyscanner but for travel insurance.
With Insure My Trip, you can compare plans from 23 different insurance providers. It’s a great company for senior travelers considering that lots of of the providers on the service offer coverage for those over 65. Moreover, they offer “cancel for any reason” insurance, so, if you cancel your trip for any reason, even ones not provided under regular policies, you’ll get a percentage of your trip back.
Here’s a quick introduction of Insure My Trip:
Guaranteed low prices
Coverage for senior travelers over 65
“Anytime advocates” ask the insurance company to give your claim a second look if you think it was unfairly denied.
Comparisons from 23 different companies to make sure you get the best plan
Accommodation coverage if quarantined at your destination
Reviews of each policy so you can see what other travelers are saying
Coverage for travelers on cruises
Pros
Tons of plans available
Options for senior travelers
Assistance with denied claims
Offers “cancel for any reason” plans
سلبيات
Since it’s is a third-party service, you’re taking care of a middleman.
Since Insure My trip is an aggregator, prices will vary based on your trip destination, country of residency, and travel plans.
IMGlobal
IMGlobal supplies insurance plans that are a lot more akin to your standard us health insurance. It has detailed coverage for long-term travelers, plans for non-US citizens, and economical plans for visitors to the us as well. Its plans cover single- and multi-destination trips.
I think this company is the best for expats and long-term travelers trying to find a robust insurance plan that covers regular doctor visits, medication, and other routine care. a lot of travel insurance plans are emergency care plans, whereas IMGlobal is there for the everyday visits and the emergencies.
They offer three plans for us residents and three for non-US residents. (If you’re pertaining to the US, your plan also covers COVID coverage.)
Pros
Plans for students service travelers, and immigrants
Available for non-US citizens
Can make claims even after your coverage ends
Can choose your own coverage limits
Available with deductibles or not — it’s your choice
Certain acute pre-exisiting conditions are covered up to age 69
Up to $10,000 USD for trip interruption
سلبيات
Minimal coverage for lost/damaged baggage
No trip cancellation coverage
نo تغطية لاستئجار السيارات على خطط السفر الرئيسية الخاصة بهم
تختلف أسعار المخططات كثيرًا بالنظر إلى أنه يمكنك اختيار تغطيتك بالإضافة إلى خصمك (نفقتك الخارجية قبل أن تغطي الخطة كل شيء). يمكنك اختيار التغطية من 25000 دولار إلى 8،000،000 دولار والخصومات من 0 دولار إلى 25000 دولار. كلما انخفضت التغطية وأعلى كلما كان قابلاً للخصم ، سيكون السعر الأكثر تكلفة.
للحصول على سياسة قياسية بتغطية بقيمة 100000 دولار ولا يمكن للخصم ، يمكنك التحقق من 45 دولارًا أمريكيًا شهريًا. ستكون هذه السياسة مماثلة لـ SafetyWing ، ولكنها أقل تفصيلاً من البدو العالميين. لشيء ما مع تغطية أكثر بكثير ، نتوقع إنفاق ما لا يقل عن 75 دولارًا أمريكيًا شهريًا.
ذكر مشرف: تغطية بطاقة الدرجات الائتمانية
على الرغم من أنها ليست الأكثر شمولاً ، إلا أن الكثير من بطاقات درجات ائتمان السفر تشمل درجة من التأمين على السفر. غالبًا ما تكون التغطية محدودة وقد تنطبق فقط على الرحلات أو العناصر المشتراة مع البطاقة. وقد يكون هناك تواريخ محدودة من التغطية أيضًا.
ومع ذلك ، هناك شيء أفضل من لا شيء!
ومع ذلك ، في حين أنه قد يكون من المغري اختيار خطة تأمين مجانية من شركة بطاقة الدرجات الائتمانية الخاصة بك ، فإن خططهم عادة لا تكون مفصلة ولديها الحد الأدنى من التغطية و/أو تعويض محدود. من الأفضل استخدام هذه الخطط المجانية كتغطية تكميلية بالإضافة إلى خطة من إحدى الشركات أعلاه.
لكن من الرائع دائمًا أن يكون لديك خيارات (خاصة تلك المجانية). تأكد من تعلم الكثير عن أفضل بطاقات درجات الائتمان قبل رحلتك القادمة (سيتعين عليك قراءة الطباعة الدقيقة).
ملاحظة: إذا كنت مسافرًا مع الكثير من المعدات والالكترونيات باهظة الثمن وتريد التأكد من أنك مغطاة ، ففكر في سياسة من كليمنتس. على الرغم من أن تغطيتها ليست مريحة للشراء مثل الشركات أعلاه (تحتاج إلى شراء عرض أسعار عن طريق البريد الإلكتروني أو الهاتف) ، إلا أنها تتوفر تغطية أعلى للترس والإلكترونيات إذا كنت تعتقد أنك ستحتاج إليها.
***
لا أحد يخطط للتأذى عندما يسافرون. وفي أفضل عالم ، لن نفعل ذلك. لكننا نعلم جميعًا أن هذا ليس أفضل عالم.
سُرقت حقائبي عندما كنت أسافر في جنوب إفريقيا.
برزت طبلة الأذن أثناء الغوص في تايلاند.
وقد طعنت حتى أثناء الظهر في كولومبيا.
من الواضح أنني لم أخطط لحدوث أي من هذه الأشياء.
لكنهم فعلوا.
وكنت محظوظًا لأنني حصلت على تأمين على السفر لمساعدتي في تغطية التكاليف. لذا ، قبل الخروج في رحلتك القادمة ، تأكد من تغطيتك. استثمر في سلامتك وراحة البال. أتعهد بك ، إنه يستحق المال!
كيف تسافر حول العالم على 50 دولارًا في اليوم
سيوضح لك دليل غلاف ورقي في New York Times الأكثر مبيعًا في World Travel كيفية إتقان فن السفر حتى تتمكن من الخروج من المسار المهزوم ، وتوفير المال ، وتجربة سفر أعمق. إنه دليل التخطيط الخاص بك إلى Z أن بي بي سي أطلق عليه “الكتاب المقدس للمسافرين للميزانية”.
انقر هنا لتعلم الكثير وابدأ قراءته اليوم!
احجز رحلتك: الأفكار اللوجستية والحيل
احجز رحلتك
ابحث عن رحلة رخيصة باستخدام Skyscanner. إنه محرك البحث المفضل لدي لأنه يبحث عن مواقع الويب وشركات الطيران في جميع أنحاء العالم حتى تعرف دائمًا أنه لا يوجد حجر دون تغيير.
احجز مكان إقامتك
يمكنك حجز بيت الشباب الخاص بك مع HostelWorld. إذا كنت ترغب في البقاء في مكان آخر غير بيت الشباب ، فاستخدم Booking.com لأنها تعيد باستمرار أقل معدلات تكلفة للضيوف والفنادق.
لا تنس التأمين على السفر
سيؤمنك تأمين السفر ضد المرض والإصابة والسرقة والإلغاء. إنها حماية مفصلة في حالة حدوث خطأ. لم أذهب أبدًا في رحلة بدونها لأنني اضطررت إلى استخدامها عدة مرات في الماضي. شركاتي المفضلة التي تقدم أفضل خدمة وقيمة هي:
SafetyWing (الأفضل للجميع)
تأمين رحلتي (لأولئك الذين تزيد أعمارهم عن 70)
Medjet (لتغطية الإخلاء الإضافية)
هل أنت مستعد لحجز رحلتك؟
تحقق من صفحة الموارد الخاصة بي للحصول على أفضل الشركات لاستخدامها عند السفر. أدرج كل ما أستخدمه عندما أسافر. إنها الأفضل في الفصل ولا يمكنك أن تخطئ في استخدامها في رحلتك.