Best Travel Insurance Companies 2021

We analyzed and scored 41 travel insurance plans, then picked the highest-scoring plan for each company for the final ratings.

Points awarded to determine the best travel insurance companies were based on these 12 benefits:

Coverage for COVID under cancellation and medical expenses benefits (100 points): In our evaluation last year this wasn’t even on the radar. This year having COVID coverage is a must for travelers.

Cancel for any reason coverage (100 points): This optional coverage lets you claim cancellation benefits even if your reason for canceling isn’t listed in the base policy.

Emergency medical expenses (up to 50 points): Plans earned more points for higher maximum coverage limits.

Emergency medical evacuation (up to 50 points): Plans earned more points for higher maximum coverage limits.

Trip cancellation reimbursement (up to 20 points): Plans earned more points for higher reimbursement levels.

Free look period (up to 10 points): The free look period gives you a chance to change your mind about the purchase without penalty. Plans earned more points for longer free look periods.

Baggage delay time (up to 10 points): Plans got more points for shorter time periods in order to claim baggage delay reimbursement.

Baggage delay reimbursement (up to 10 points): Swimsuit for the pool? Nope? A jacket and tie for dinner? Negative. Baggage delay reimbursement can fund your emergency purchases.

Missed connection reimbursement (up to 10 points): Plans earned more points for higher payment amounts.

Travel delay hours (up to 10 points): Plans earned more points for lower delay time requirements before a payout.

Travel delay reimbursement (up to 10 points): Plans earned more points for higher payouts.

Trip interruption reimbursement (up to 10 points): Plans earned more points for higher reimbursement levels.

Related: Compare & Buy Travel Insurance For 2021

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