Planning a trip is fun—researching amazing bucket-list activities, daydreaming about picture-perfect beaches, and booking the cheap flights to get there. Shopping for travel insurance is less exciting, but it’s a necessary evil.
Using a search engine can help streamline the process, but it’s important to compare coverage levels and claim and policy limits before you buy.
1. Insured Nomads
Insured Nomads offers a range of travel and health insurance plans for digital nomads, remote workers, and travellers. All of their policies can be customised for individuals and families. They offer a wide range of extras including airport lounge access, mental health consultations, telemedicine and cybersecurity tools. They also provide peace of mind by donating to local charities in the destination you are traveling to.
Their plans start at around $256 a month for a basic plan with medical coverage of up to $3,000,000. They offer two main products, Connect Three and World Explorer Multi. They also have a number of supplemental options such as adventure sports coverage. Their plans are more expensive than some of their competitors but they offer a lot of value in return.
Travelex offers a number of services related to travel including insurance, currency exchange and more. Their insurance policies are underwritten by Berkshire Hathaway Specialty Insurance Company and Zurich Insurance Group. Claim determinations are made by a team of experts based on the documentation submitted and policy details.
Travelex has a good reputation and their pricing is reasonable when compared to other providers. They offer a wide range of coverage including trip cancellation, medical emergencies and lost luggage. Their policies also include pre-existing conditions and have one of the shortest lookback periods on the market.
Their plans are available for a single trip, annual or business coverage and they cover people of all ages. Their policies are easy to understand and have excellent customer service.
3. World Nomads
World Nomads is a great choice for digital nomads because they offer flexible travel insurance plans and a seamless claims process. They also have a transparent quote system that makes it easy to compare coverage options.
They offer a variety of different plans and include coverage for pre-existing conditions in some of them. However, they do have lower max limits than other travel insurance companies.
Their policies are designed by world travelers and specifically cover long-term travel and backpackers. They also have a range of extras such as rental car coverage and adventure sports.
Their plans are fairly comprehensive but they do have some limitations such as the COVID-19 pandemic and a limited amount of trip cancellation protection. They also have a higher premium than other travel insurance companies.
4. IMG Global
IMG Global is one of the world’s largest providers of travel health insurance plans. They offer a variety of plans that are suitable for all types of travelers. For example, their Global Medical Plan is designed for those who need temporary health coverage while they are away from home. It is moderately priced and covers a wide range of medical conditions.
IMG Global also offers a variety of other insurance plans including trip protection and international medical policies. They have a great website that provides a positive online user experience. They don’t overwhelm you with options right away and they help you filter your search by defining your needs first before showing you the corresponding plans. They even have a plan that provides coverage for additional kennel fees in the event of a cancellation or disruption of your trip.
5. Seven Corners
Seven Corners is an Indianapolis-based insurance company that offers a variety of travel and medical plans. The company also provides trip protection and security services. They are an innovative company that puts a strong emphasis on customer service and has a large number of customizable insurance packages for individuals and groups. One of the highlights of their plans is coverage for pre-existing conditions, which covers ailments like severe allergies or hypertension.
The company also has group plans and a ‘Cancel for Any Reason’ option. Their online user experience makes it easy to compare different plans and rates. They also have a plan cost chart that shows the average daily rate for each plan without requiring personal information. However, they don’t have a free 10-day policy review period, which is common among other travel insurance companies.