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Best Travel Insurance Companies in the USA for 2026

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Travel insurance for U.S. citizens with trip protection coverage - Highlights

airplanemode_inactive

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

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Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

home_health

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

🏷️Provider ⭐Best For ❌Trip Cancellation 🔁 Trip Interruption 🛡️ CFAR Option 👀 Free Look Period 🌍Ideal Trip Type 🧾 Plan Flexibility
IMG Flexible global protection ✔️ ✔️ Optional 10 days USA & international High
Trawick International Affordable, all-around protection ✔️ ✔️ Optional 14 days Domestic & international High
Seven Corners Customizable international plans ✔️ ✔️ Optional 14 days International & long stays Very High
HTH Worldwide Strong medical & evacuation ✔️ ✔️ Optional 10 days International medical-heavy trips Medium
Travel Insurance Services Budget & family-friendly trips ✔️ ✔️ Optional 15 days Family & leisure travel Medium
Travelex Balanced trip & medical coverage ✔️ ✔️ Optional 21 days Vacations & extended trips Medium–High

Which Travel Insurance Providers in the USA Offer the Best Coverage?

IMG logoInternational Medical Group (IMG)

IMG iTravelInsured plans provide reliable trip cancellation insurance for USA travel, protecting prepaid trip costs with flexible coverage options and optional CFAR benefits.

  • Best For: USA-bound travelers seeking reliable trip cancellation insurance with flexible protection options.
  • Global Reputation: IMG has been a trusted insurer since 2005, with an A- rating and a US healthcare network.
  • Trip Cancellation Coverage: Reimburses non-refundable trip expenses for covered reasons..
  • Trip Interruption Protection: Covers unused trip costs if travel is cut short.
  • CFAR Option: Optional Cancel For Any Reason upgrade for added flexibility and peace of mind.
  • Free Look Period: Includes 10-day free look period from the date of purchase.
tips_and_updates Pros & Cons | receipt_long Claims | flight IMG Trip Cancellation Insurance
IMG Trip Cancellation Insurance Plans

trawick logoTrawick International

Trawick International trip protection plans offer comprehensive trip cancellation insurance for USA residents, helping safeguard prepaid trip expenses with flexible coverage options and dependable benefits.

  • Best For: Travelers seeking affordable trip protection with strong coverage options.
  • Trip Cancellation Coverage: Reimburses non-refundable trip expenses for covered reasons.
  • Trip Interruption Protection: Covers unused trip costs if travel is cut short.
  • Maximum Trip Cost: Covers trips up to the plan-specified maximum limit.
  • CFAR Option: Optional Cancel For Any Reason upgrade for added flexibility.
  • Travel Delay Benefits: Compensation for covered travel delays.
  • Free Look Period: Includes a 14 days free look period from the date of purchase.
tips_and_updates Pros & Cons | receipt_long Claims | reviews Trawick International Insurance Reviews
Trawick Trip Cancellation Insurance Plans

Seven Corners logoSeven Corners

Seven Corners travel protection plans offer comprehensive travel insurance with trip cancellation benefits, helping protect prepaid travel costs from unexpected disruptions during USA travel.

  • Best For: Travelers looking for comprehensive travel protection with cancellation benefits.
  • Trip Cancellation Insurance: Covers eligible prepaid travel expenses for covered reasons.
  • Trip Interruption Coverage: Reimburses unused travel costs if your trip is interrupted.
  • Cancel For Any Reason (CFAR): Optional upgrade for greater cancellation flexibility.
  • Free Look Period: Provides a 14-day free look period from the date of purchase.
  • Trusted Provider: Rated “A” (Excellent) with 25 years of outstanding service and global experience.
tips_and_updates Pros & Cons | receipt_long Claims | reviews Seven Corners Insurance Reviews
Seven Corners Trip Cancellation Plans

hth worldwide logoHTH Worldwide

HTH Worldwide travel insurance plans provide robust trip cancellation insurance for international travel, helping protect prepaid trip expenses while offering globally recognized support and benefits.

  • Best For: International travelers seeking global travel protection with strong cancellation benefits.
  • Trip Cancellation Coverage: Reimburses prepaid, non-refundable travel costs for covered reasons.
  • Trip Interruption Protection: Covers unused trip expenses if travel plans change unexpectedly..
  • Optional CFAR Coverage: Cancel for Any Reason option for enhanced flexibility.
  • Trusted Provider: Rated A++ (Superior) with financial strength and global experience.
  • Free Look Period Offers a 10-day Free Look Period, during which all premiums are fully refundable.
tips_and_updates Pros & Cons | receipt_long Claims | reviews Trip Protector Insurance
HTH Trip Cancellation Plans

Travel Insurance Services logoTravel Insurance Services

Travel Insurance Services travel insurance plans offer dependable trip protection insurance for USA travel, helping safeguard prepaid trip expenses with flexible coverage and optional cancellation upgrades.

  • Best For: Travelers seeking straightforward trip protection with flexible cancellation benefits.
  • Trip Protection Coverage: Covers prepaid, non-refundable travel expenses for covered reasons.
  • Trip Interruption Benefits: Reimburses unused trip costs if travel is cut short.
  • Travel Delay Coverage: Benefits for covered delays during your trip.
  • Free Look Period: Providers 15 days free look period.
  • Personal Belongings Coverage: Protection for lost, stolen, or delayed luggage.
  • Trusted Provider: Established travel insurance provider since 1973 with decades of experience.
tips_and_updates Pros & Cons | receipt_long Claims | reviews Travel Insure Services Reviews
Travel Insurance Trip Cancellation Plans

Travelex logoTravelex Insurance

Travelex travel insurance plans provide flexible trip cancellation travel insurance, helping protect prepaid trip costs while offering optional upgrades and easy-to-understand benefits.

  • Best For: International travelers needing flexible travel medical insurance with evacuation coverage.
  • Trip Cancellation Insurance: Covers prepaid, non-refundable travel expenses for covered reasons.
  • Trip Interruption Coverage: Reimburses unused trip costs if travel plans change.
  • Trip Cost Coverage Limits: Coverage available up to the maximum trip amount allowed by the plan.
  • Travel Delay Benefits: Compensation for covered delays during your trip.
  • Free Look Period: Travelex offers a 21-day Free Look Period.
tips_and_updates Pros & Cons | reviews Travel Insure Services Reviews
Travelex Insurance Trip Cancellation Plans

Compare the Best Trip Cancellation Insurance Plans

The table below compares the average cost of travel insurance for a 40-year-old traveler, based on a $1,000 trip cost with 100% trip cancellation coverage for a 15-day trip.

Plan Maximum Trip cost Medical coverage Trip length Coverage type Cost
Safe Travels Armor Trawick International $100,000 $100,000 30 days Primary $55
Trip Protector Economy Seven Corners $20,000 $10,000 90 days Secondary $55
Travelex Ultimate Travelex Insurance $50,000 $250,000 180 days Primary $69
Travel Insurance Select Elite Travel Insurance Services $100,000 $150,000 180 days Primary $80
Trip Protector Preferred HTH Worldwide $50,000 $50,000 180 days Primary $71
Itravelinsured LX IMG $150,000 $500,000 180 days Primary $114

What should I consider while choosing the best trip insurance?

Choosing the right travel insurance means finding a plan that fits your trip, budget, and risk level. The best plans offer a mix of trip protection, medical coverage, and extras that give you peace of mind from booking to return. Here are the key features to consider:

  • Trip Cancellation & Interruption Coverage: Make sure the policy reimburses non-refundable expenses if you have to cancel or cut your trip short due to covered reasons like illness, injury, or severe weather.
  • Emergency medical & evacuation: Essential for international travel. Look for plans that cover medical treatment, hospital stays, and emergency evacuation back home.
  • Pre-existing medical conditions: Choose a plan that includes a pre-existing condition waiver if you have any ongoing health issues. These are often available if you purchase the plan within 14–21 days of your first trip payment.
  • Cancel for any reason (CFAR): If you want flexibility, consider a CFAR upgrade, which allows you to cancel for reasons not normally covered and get back up to 75% of your prepaid expenses.
  • Baggage and travel delay coverage: Ensure the policy includes reimbursement for delayed, lost, or stolen luggage and additional expenses if your trip is delayed.
  • Free Look Period: Reputable travel insurance providers offer a free look period (typically 10–15 days) after purchase. During this time, you can review the policy, and if it doesn’t meet your needs, cancel it for a full refund provided no claims have been filed.
  • Activity specific coverage: If you're going on a cruise, doing adventure sports, or attending ticketed events, look for plans that include or allow add-ons for those scenarios.
  • Event ticket protection: Some trip protection plans offer reimbursement for non-refundable event tickets, such as concerts, sports events, or shows, if you miss the event due to a covered travel disruption.
  • Rental car damage coverage: If you plan to rent a car, consider adding collision damage waiver (CDW) coverage. Some plans include this as an optional upgrade to save on costly coverage from car rental companies.
  • Cost of trip insurance: Travel insurance typically costs between 4% and 10% of your total prepaid, non-refundable trip expenses. Factors that influence the cost include your age, trip length, destination, coverage limits, and whether you choose add-ons like CFAR or rental car protection.
  • 24/7 global travel assistance: Top providers offer round-the-clock support, helping you find medical care, reschedule flights, or replace lost documents during your trip.

Can You Get CFAR in Cheap Travel Insurance?

Yes, some cheap travel insurance plans like iTravelInsured Choice, Trip Protection Basic, and Trip Protection USA offer Optional Cancel For Any Reason (CFAR) coverage, even with budget-friendly options. However, there are a few important points to know:

  • Optional Upgrade: CFAR is usually an add-on to a standard trip cancellation plan, not included automatically.
  • Partial Reimbursement: CFAR typically reimburses 50–75% of your prepaid, non-refundable trip costs if you cancel for a reason not covered by the standard plan.
  • Purchase Timing: You usually need to add CFAR when you buy your travel insurance, often within a set number of days after booking your trip.
  • Advance Cancellation: Most plans require you to cancel your trip at least 48–72 hours before departure to claim CFAR benefits.
  • Cost Consideration: Adding CFAR increases your premium, sometimes by 40–50%, so even “cheap” plans with CFAR are slightly more expensive than standard basic plans.

Tip: CFAR is ideal if your trip is expensive or non-refundable and you want maximum flexibility.

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Frequently Asked Questions About U.S. Travel Insurance

1. Which travel insurance company provides the best trip cancellation insurance?

Top travel insurance companies that provide trip cancellation insurance are: IMG Travel Insurance, Trawick International, Seven Corners, HTH, Travel Insurance Services, and Travelex insurance. These travel insurance plans reimburse travelers for pre-paid, non-reimbursable expenses associated with emergency/illness reasons.

2. When should I buy trip cancellation insurance?

The earlier you purchase coverage, the better. Ideally, buy your plan as soon as you book your trip to maximize protection for pre-existing conditions and other covered reasons.

3. Can I get Cancel For Any Reason (CFAR) coverage?

Yes, some plans offer optional CFAR coverage, which allows partial reimbursement if you cancel for reasons not included in a standard plan.

4. Does trip cancellation insurance cover pre-existing conditions?

Some plans, such as iTravelInsured Choice and Pathway Plus Insurance, provide coverage for pre-existing conditions, but it is usually limited and requires purchase within a specific window after booking. Always check the plan details to confirm eligibility and conditions.

5. Which travel insurance plans are cheapest for domestic and international trips?

Budget-friendly options include Pathway Domestic Travel Insurance, Trip Protection USA, Safe Travels Protect, iTravelInsured Choice, Travelex Advantage, and Trip Protection Basic.

6. What is Cancel For Any Reason (CFAR) coverage and can I get it with a cheap plan?

CFAR lets you cancel for reasons not included in standard plans and receive partial reimbursement (usually 50–75%). Affordable plans like iTravelInsured Choice, Trip Protection Basic and Trip Protection USA may offer CFAR as an optional upgrade.

7. Can I get partial reimbursement if I cancel my trip for a reason not listed?

Yes, with Cancel For Any Reason (CFAR) coverage, some plans including iTravelInsured Choice, Trip Protection Basic and Trip Protection USA allow partial reimbursement even if your reason isn’t covered under the standard policy.

8. Do budget travel insurance plans include medical and baggage coverage?

Yes, some budget-friendly plans such as Safe Travels Protect, iTravelInsured Choice, Trip Protection Basic Trip Protection USA, and Travelex Advantage provide basic medical and baggage protection, though coverage limits are generally lower than premium plans.

Why Choose American Visitor Insurance for Best Travel Insurance Companies?

  • Compare top U.S. travel insurance providers including IMG Travel Insurance, Trawick International, Seven Corners, HTH, Travel Insurance Services, and Travelex in one place.
  • Find affordable and reliable travel insurance for trip cancellation, travel medical coverage, emergency evacuation, and international travel protection.
  • Instant quotes and side-by-side plan comparisons make it easy to select the best travel insurance plan for short trips, long vacations, or international travel.
  • Transparent coverage details, exclusions, and deductibles help travelers make informed decisions with peace of mind before departure.
  • Trusted resource for U.S. and international travelers, providing comprehensive travel insurance guidance to meet diverse travel needs.

Summary – Best U.S. Travel Insurance Companies

American Visitor Insurance highlights the top travel insurance providers in the USA for 2026, focusing on trip cancellation insurance coverage. Leading companies such as IMG Travel Insurance, Trawick International, Seven Corners, HTH, Travel Insurance Services, and Travelex offer reliable, flexible, and affordable plans. The website provides tools to compare coverage options and get instant quotes, helping travelers select the best plan for short trips, long-term vacations, or international travel with confidence and peace of mind.

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