Best Travel Insurance in Florida for 2026

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Florida is a state that exists in a permanent state of travel. People are constantly arriving (hello, theme parks and beaches), continually departing (cruises leave from here more than anywhere else on Earth), and continuously dealing with weather that can go from sunny to catastrophic in a matter of hours. If you live in the Sunshine State, your relationship with travel insurance is probably more complicated than that of the average American.

This guide is specifically for Florida residents. We’re going to cover the unique insurance considerations you face, including hurricane season timing, cruise-specific coverage, and CFAR restrictions that limit your options. Because when you live in the cruise capital of the world and the hurricane highway of the Atlantic, generic travel insurance advice just doesn’t cut it.

Best Travel Insurance Companies in Florida at a Glance

RateChaser's picks for the best travel insurance in Florida.
CompanyBest ForHighlightsNext Steps
Faye Travel InsuranceBest Overall
  • Pretty much everything & anything related to your travel well-being
  • Get a quote in 60 seconds, 24/7 assistance & quick claims. 
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Battleface Travel InsuranceBest for Adventure and Sporting Trips
  • Consistently affordable pricing below industry averages.
  • Adventure sports coverage is included automatically.
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Travelex Travel InsuranceBest for Families
  • Free coverage for children 17 and under on the Ultimate plan (one child per adult) significantly reduces family travel insurance costs.
  • Excellent pre-trip customer service with knowledgeable, patient representatives and a user-friendly website.
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Generali Travel InsuranceBest for Cruises & Vacation Rentals
  • A simple three-tier plan structure makes comparison easy.
  • 24/7/365 emergency assistance hotline.
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HTH Travel InsuranceBest for Extended International Stays
  • Specialized insurance products designed for expatriates, international students, and digital nomads staying abroad for months or even years.
  • Coverage for travelers up to 95 years old.
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    Aegis Travel InsuranceBest for Budget Policies
    • Innovative Stress Less Benefits for real-time claims assistance.
    • Highly customizable coverage options to fit specific trip needs.
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    Berkshire Hathaway Travel InsuranceBest Claim Processing
    • Industry-leading claims speed.
    • Fixed benefit payouts (no receipt haggling).
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    Top-Rated Travel Insurance Companies in Florida of 2026

    Faye Travel Insurance

    Best Overall Travel Insurance Company
    Editor's Rating
    9.0
    Great for Online Experience

    Faye Travel Insurance stands out due to its genuinely impressive, digital-first experience that makes travel insurance user-friendly and non-anxiety-inducing. A significant strength is its financial security, with plans underwritten by U.S. carriers United States Fire Insurance Company and Great American Insurance Group, both holding the gold standard A+ rating from A.M. Best. Furthermore, the base plan offers strong emergency medical coverage, up to $250,000 for international trips, and a high limit of $500,000 for medical evacuation. The company also allows for policy customization with unique add-ons, including pet care coverage and a Cancel For Any Reason (CFAR) option.

    The product offers excellent value and affordability. The pricing is genuinely competitive, often on the lower end of the average travel insurance cost, and its quote process is quick and transparent, providing precise numbers upfront with no hidden fees. Instead of confusing customers with multiple tiers, Faye offers a simplified single comprehensive plan that can be tailored with add-ons, making the decision process easier for most travelers. Additionally, families traveling together benefit from better per-person rates, and children under 18 often receive reduced rates.

    Faye's mobile-first approach is arguably its greatest differentiator, boasting a high 4.7-star rating on Trustpilot. The app is packed with features that genuinely enhance the travel experience, such as real-time flight tracking with notifications, in-app claims filing, 24/7 live chat support with real humans, and access to a network of telemedicine doctors. The company is also noted for its innovative Digital Wallet system for quick reimbursements, which eliminates long waits for checks, and has received praise for proactive communication with some users, even suggesting they file claims for eligible expenses they may not have considered.

    Faye Travel Insurance at a Glance
    • Outstanding mobile app with features that genuinely enhance the travel experience
    • Competitive pricing with clear, upfront costs
    • Strong financial backing with A+ rated underwriters
    • Fast claims processing for straightforward situations
    • Comprehensive base coverage with useful add-ons like pet care
    • 24/7 customer support with multiple contact methods
    • Simplified single-plan approach makes decisions easier
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    Get quotes on Faye's website.

    Berkshire Hathaway Travel Insurance

    Best for Claim Processing Experience
    Editor's Rating
    9.0
    Good for Complete Policies

    Berkshire Hathaway Travel Protection (BHTP) is an exceptionally strong choice for travelers who prioritize financial security and industry-leading claims efficiency. Backed by the financial power of Warren Buffett’s empire (Berkshire Hathaway Specialty Insurance Company) and sporting the highest possible AM Best rating of A++ (Superior), the company offers unmatched credibility and peace of mind that claims will be paid. Furthermore, BHTP has made their claims process their central promise, with a motto of "Claims is Our Product." They consistently deliver, boasting payments up to five times faster than the industry average, often utilizing same-day electronic payments through their BHTP Burst system, and simplifying the process with "pic-and-click" mobile filing.

    A second compelling reason to choose BHTP is its innovative approach to benefits and overall value, particularly for families and specific travel styles. Their ExactCare plans offer a popular "Kids Covered Free" feature for up to two children under 18, a benefit offered by only a handful of travel insurers. For those seeking niche coverage, the company provides specialized plans like AdrenalineCare for high-risk adventure sports and WaveCare for cruisers. Additionally, BHTP offers fixed benefit payouts for certain covered events (like a $500 payout for lost luggage), which eliminates the typical hassle of haggling over receipts and provides quick, predictable reimbursement.

    Finally, the company's commitment to customer experience extends beyond payment speed to include unique, complimentary services. Every policy includes a 24/7/365 Emergency Assistance line and complimentary concierge services, which can assist with everything from restaurant reservations and securing event tickets to finding a local doctor or interpreter, all at no extra cost. While their entry-level medical limits are a weakness for extended international travel, BHTP's overall affordability, the availability of pre-existing conditions coverage (if purchased early), and the "15-Day Free Look" money-back guarantee make it a solid, value-driven option for domestic or short-haul international trips where fast, secure claims processing is the top priority.

    Berkshire Hathaway Travel Insurance at a Glance
    • Industry-leading claims speed.
    • Exceptional financial backing (A++).
    • Budget-friendly pricing.
    • Kids are covered free on select plans.
    • Fixed benefit payouts (no receipt haggling).
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    Get quotes and compare prices with Squaremouth

    Battleface Travel Insurance

    Best for Adventure Travelers
    Editor's Rating
    8.8
    Good for A La Carte Pricing

    The primary reason to choose Battleface is its exceptional blend of affordability and granular customization, centered around its flagship Discovery Plan. Unlike bundled competitors, Battleface offers a truly "build-your-own" policy, allowing travelers to pay only for the coverage they need, which consistently results in budget-friendly pricing below industry averages. This modularity makes it ideal for the savvy, budget-conscious traveler who can tailor a policy to their exact risk profile, often achieving 15-30% savings compared to comparable comprehensive plans.

    A major draw for a specific segment of the market is Battleface’s explicit focus on the adventure traveler. All plans automatically include Adventure Sports Coverage for activities like skiing, scuba diving, and mountain climbing, which is often a costly add-on with other providers. Furthermore, the company offers a robust set of core protections, including high limits for Emergency Medical and Medical Evacuation, a notably short three-hour delay trigger for Missed Connection coverage, and the option to add Cancel for Any Reason (CFAR), providing significant flexibility for diverse and unpredictable trips.

    Finally, Battleface is a modern, tech-forward insurtech with solid financial reassurance. It offers a user-friendly digital experience, a functional mobile app for accessing policy documents offline, and provides 24/7 emergency assistance through its in-house operations team, Robin Assist. While the company itself is young, its U.S. policies are underwritten by Spinnaker Insurance Company, which holds an A- (Excellent) rating from AM Best. This backing provides financial stability and solid reassurance that legitimate claims will be paid.

    Battleface Travel Insurance at a Glance
    • Fully customizable coverage lets you pay only for what you need.
    • Consistently affordable pricing below industry averages.
    • Adventure sports coverage is included automatically.
    • Strong customer service ratings with personalized support.
    • User-friendly digital experience with a mobile app.
    GET A QUOTE

    Get quotes and compare prices with Squaremouth

    Travelex Travel Insurance

    Best for Families
    Editor's Rating
    8.6
    Good for Traveling with Children

    Travelex's primary appeal lies in its strong financial backing and competitive, family-friendly pricing. The company's policies are underwritten by financially robust carriers, including Berkshire Hathaway Specialty Insurance Company and Zurich Insurance Group, both holding high A++ and A+ (Superior) ratings from A.M. Best. This dual backing provides a strong reassurance that claims will be paid. Furthermore, their pricing is competitive, with the Ultimate and Essential plans averaging below the industry standard. For families, the Ultimate plan offers a significant perk: complimentary coverage for one child (17 and under) per insured adult, which can lead to genuine cost savings.

    A key differentiator for Travelex is its generous policies and flexible coverage options. It offers a 21-day "Free Look Period," which is more generous than most competitors' 10-14 day windows, allowing ample time to review, modify, or cancel a policy without penalty. The Ultimate plan also accommodates longer trips, covering up to 180 days. Travelers can customize their plans with optional upgrades, such as Adventure Sports Coverage, rental car damage, and Cancel For Any Reason (CFAR) on the Ultimate plan, enabling a modular approach to coverage.

    The company is consistently praised for its excellent pre-trip customer service and user-friendly digital experience. Reviewers often highlight patient, knowledgeable representatives who are helpful in explaining coverage options and guiding the purchase process. The website makes getting an instant quote and reviewing exact coverage limits a straightforward process. However, while the pre-trip experience is strong, the review notes a key area of weakness in the inconsistent and sometimes frustrating claims process handled by Zurich Travel Claims Administration, which is an important consideration despite the company's other advantages.

    Travelex Travel Insurance at a Glance
    • Backed by financially strong underwriters with A++ and A+ (Superior) A.M. Best ratings, ensuring claims-paying ability.
    • Free coverage for children 17 and under on the Ultimate plan (one child per adult) significantly reduces family travel insurance costs.
    • Competitive pricing with average premiums below industry average ($292 for Ultimate, $240 for Essential vs. $311 industry average).
    • Generous 21-day Free Look Period allows ample time to review and modify or cancel policy without penalty.
    • Excellent pre-trip customer service with knowledgeable, patient representatives and a user-friendly website.
    GET A QUOTE

    Get quotes and compare prices with Squaremouth

    HTH Travel Insurance

    Best for Extended Stays and Remote Locations
    Editor's Rating
    8.6
    Good for All Ages

    HTH Travel Insurance's primary appeal lies in its exceptional focus on medical coverage and robust financial backing. Their TripProtector Preferred plan offers industry-leading medical coverage limits up to $500,000, which is significantly higher than most competitors. This coverage is considered "primary," meaning travelers do not need to file with their domestic insurance first. Furthermore, all their policies are underwritten by Nationwide Mutual Insurance Company, which holds an A (Excellent) rating from AM Best, providing a high level of financial security and confidence that claims will be paid out.

    The company is distinguished by its unique and genuinely practical service features designed for travelers abroad. The Direct Pay Program is a major differentiator, allowing HTH to pay participating network providers directly, eliminating the need for the traveler to pay upfront and file for reimbursement later. This is complemented by the excellent mPassport app, which helps users find English-speaking doctors, dentists, and hospitals in over 180 countries and includes a valuable medication translation tool.

    Overall, HTH is best suited for a specific niche of travelers who prioritize health and peace of mind over budget or trip cancellation benefits. This includes long-term travelers, expats, and students studying abroad. They are also an excellent option for seniors (up to age 95) who may struggle to find coverage elsewhere. While their pricing is above average and they lack strong adventure sports coverage, the high medical limits, Direct Pay option, and the assurance of Nationwide's financial strength make it a top choice for those facing medical emergencies overseas.

    HTH Travel Insurance at a Glance
    • Industry-leading medical coverage limits up to $500,000.
    • Direct Pay option eliminates upfront medical costs at network providers.
    • Specialized insurance products designed for expatriates, international students, and digital nomads staying abroad for months or even years.
    • Excellent Passport app for finding global healthcare.
    • Coverage for travelers up to 95 years old.
    GET A QUOTE

    Get quotes and compare prices with Squaremouth

    Aegis Travel Insurance

    Best for Budget-Conscious Travelers
    Editor's Rating
    8.3
    Good for Value Seekers

    Aegis Travel Insurance (formerly GoReady) is presented as a strong, budget-conscious choice for travelers, particularly millennials and Gen Z, earning an overall score of 7.5/10. Key strengths include its competitive pricing, which led to it being named the "Most Economical Travel Insurance Company" by U.S. News, and its innovative "Stress Less Benefits" that handle claims in real-time to prevent the traveler from having to front the cash. The company also offers highly customizable single-trip plans (like Go Ready Choice and Go Ready VIP) and multi-trip options, with robust coverage limits and a strong financial backing from A-rated underwriters like Zurich American Insurance Company.

    However, the review points out a significant weakness in the traditional claims process, which earned a low score of 6/10. Customers frequently report slow and frustrating processing times, citing communication gaps between Aegis and its third-party claims administrators. Other drawbacks include a maximum trip length capped at 60 days for most single-trip plans and the lack of a dedicated mobile app for policy management, which is noted as a miss for a company targeting digitally-native travelers. For travelers with pre-existing conditions, coverage is only available if the policy is purchased within 14 days of the initial trip deposit.

    In conclusion, Aegis delivers legitimate value for its price and is a solid choice for those prioritizing affordability and the convenience of real-time claims assistance for in-trip issues. Travelers should choose Aegis if they seek customizable, cost-effective coverage and are planning shorter trips (under 60 days). Conversely, those planning long-term trips or who prioritize a seamless digital experience and a guaranteed fast, hassle-free claims process are advised to look elsewhere. The overall recommendation is to go in with realistic expectations about the potential for delays in reimbursement-style claims and to meticulously document all necessary paperwork.

    Aegis Travel Insurance at a Glance
    • Excellent value with competitive pricing across all plan tiers.
    • Innovative Stress Less Benefits for real-time claims assistance.
    • Highly customizable coverage options to fit specific trip needs.
    • Strong financial backing from reputable underwriters.
    • 24/7 emergency assistance with global support.
    GET A QUOTE

    Get quotes and compare prices with Squaremouth

    Generali Travel Insurance

    Best for Cruises & Vacation Rentals
    Editor's Rating
    8.2
    Good for Domestic Trips

    Generali Travel Insurance is an excellent choice for a specific segment of travelers, primarily those who place the highest value on financial security and stability. Backed by Assicurazioni Generali, one of the oldest and largest insurance companies in the world, with a "rock-solid" A+ (Superior) Financial Strength Rating from AM Best, customers can be highly confident that the company will be solvent and able to pay out claims. This longevity and financial muscle are particularly appealing to travelers planning expensive vacations, cruises, or anyone whose primary concern is avoiding the risk of their insurer going bankrupt. If financial peace of mind is your top priority, Generali provides a level of certainty that few competitors can match.

    For the budget-conscious traveler, Generali offers significant value, often coming in below the industry average in terms of cost, particularly with its Standard plan. The company's three-tier plan structure (Standard, Preferred, and Premium) is refreshingly simple, making it easy for customers to compare options and choose a policy without confusing add-ons. This straightforward approach, combined with competitive pricing, makes Generali ideal for domestic trips, weekend getaways, and vacation rental bookings. It provides reliable, basic protection, including 100% trip cancellation and medical coverage, without the bells and whistles that drive up the price for travelers who don't need them.

    Finally, Generali sets itself apart with unique, complimentary features and specialized coverage that cater to specific needs. All plans include access to 24/7/365 emergency assistance, complimentary concierge services for travel logistics, and identity theft protection, adding significant value beyond the core insurance policy. Furthermore, they offer coverage for several niche scenarios that other providers may exclude, such as trip cancellation if a service animal becomes sick or dies, or if a traveler is unable to get a required vaccination. This specialized coverage makes Generali a superior choice for travelers with service animals or those who value having a comprehensive suite of included travel support services.

    Generali Travel Insurance at a Glance
    • Exceptional financial stability backed by one of the world's largest insurers (A+ AM Best).
    • Competitive pricing that often beats industry averages.
    • A simple three-tier plan structure makes comparison easy.
    • 24/7/365 emergency assistance hotline.
    • Complimentary concierge services and identity theft protection.
    GET A QUOTE

    Get quotes and compare prices with Squaremouth

    Hurricane Season: The Single Most Important Thing Florida Travelers Need to Understand 

    Atlantic hurricane season runs from June 1 through November 30, with peak activity typically occurring from mid-August through mid-October. If you’re a Florida resident planning any travel during these months (whether you’re leaving Florida or traveling within it), hurricane coverage should be at the top of your mind.

    Here’s the critical thing you need to understand: travel insurance only covers hurricanes as “unforeseen events.” The moment the National Hurricane Center names a storm, it becomes a “foreseeable event,” and any policy you purchase after that point will NOT cover claims related to that specific storm. This is true across virtually every travel insurance provider.

    The Timing Rule You Cannot Ignore:

    Buy your travel insurance the same day you book your trip, or as close to it as possible. Do not wait until hurricane season “gets going” to purchase coverage. By then, there may already be named storms in the Atlantic, and you’ll have no coverage for any of them. This is especially important for Florida residents because storms can affect both your destination AND your home.

    What does hurricane coverage actually cover? Most comprehensive policies will reimburse you if your destination becomes uninhabitable due to storm damage, if your flight is cancelled due to the hurricane, if a mandatory evacuation order is issued for your destination, or if your home in Florida is rendered uninhabitable. You need to cancel or cut short a trip. However, they typically will NOT cover you if you simply decide you don’t want to travel because a storm might hit, or if the weather looks bad but your flights and accommodations are still operating.

    Some policies specifically list NOAA hurricane warnings as a covered reason for cancellation, thereby providing broader protection. Look for this language when comparing policies if hurricane season travel is a regular part of your life.

    The CFAR Situation in Florida

    Cancel for Any Reason (CFAR) coverage is particularly valuable for Florida travelers. It lets you cancel for reasons that standard policies don’t cover, including “I’m worried about the hurricane forecast” or “I just don’t feel comfortable traveling right now.” With CFAR, you can typically get back 50% to 75% of your nonrefundable costs even if your reason for canceling isn’t covered under standard trip cancellation.

    Here’s the catch: Florida is one of several states where CFAR availability is more limited than in other parts of the country. According to travel insurance comparison sites, CFAR coverage “might not be found on policies” for Florida residents from certain providers. This isn’t a complete ban like the situation in New York, but it does mean you’ll have fewer options when shopping for CFAR coverage.

    Why does this matter? Because the intersection of hurricane season and CFAR restrictions creates a challenging situation. Standard hurricane coverage only kicks in under specific circumstances (an uninhabitable destination, a mandatory evacuation, or a flight cancellation). But what if there’s a Category 4 storm heading toward your Caribbean cruise destination and you’d rather just not go, even if the cruise line hasn’t cancelled yet? Without CFAR, you’re out of luck. With CFAR, you could cancel and recover a significant portion of your costs.

    If CFAR is essential to you (and for Florida travelers during hurricane season, it probably should be), you’ll need to shop carefully. Use comparison sites, filter for CFAR availability, and make sure you’re entering Florida as your state of residence to see accurate results.

    You Live in the Cruise Capital of the World

    Florida is home to the three busiest cruise ports on the planet. PortMiami handled over 8.2 million cruise passengers in fiscal year 2024, reclaiming its title as the world’s busiest cruise port. Port Canaveral processed nearly 7.6 million passengers. Port Everglades in Fort Lauderdale saw over 4 million guests. Add in Tampa, Jacksonville, and other smaller ports, and Florida is essentially the world headquarters of cruising.

    If you’re a Florida resident, there’s a very good chance you’ve taken (or will take) a cruise. And cruise travel has its own set of insurance considerations that go beyond standard trip coverage.

    What Cruise Travelers Need in Their Policy

    Coverage Type

    Why Cruisers Need It

    Missed Departure Coverage

    If your flight to the port is delayed and you miss the ship, this coverage helps pay for transportation to catch up with the cruise at the next port. Ships don’t wait.

    Itinerary Change Coverage

    Hurricanes and weather can force cruise lines to skip ports or change itineraries entirely. Some policies offer partial reimbursement when this happens.

    Cruise Line Default

    If your cruise line goes bankrupt or ceases operations, this coverage protects your investment. It happens more often than you’d think.

    Emergency Medical Evacuation

    If you have a medical emergency at sea, you may need a helicopter evacuation or emergency transport from a foreign port. This can cost $50,000 or more. Look for at least $100,000 in evacuation coverage.

    Trip Interruption (150%+ coverage)

    If you need to leave the cruise early and fly home from a foreign port, the one-way flight can cost more than your original trip. Look for policies that cover 150% of the trip cost for interruption.

     A note on cruise line insurance: Most cruise lines offer their own travel protection plans, and they’ll push these hard during the booking process. While convenient, these plans are often more limited and more expensive than comparable coverage from independent insurers. The cruise line’s plan also has an inherent conflict of interest, as it serves as both the service provider and the insurer. Independent policies typically offer better value and more objective claims handling.

    The Snowbird Factor: When You’re the Destination

    Florida receives an estimated 1 to 1.5 million “snowbirds” every winter, including retirees and seasonal visitors from Canada and northern U.S. states who escape the cold for several months. While this section is primarily for Florida residents, it’s worth understanding the insurance landscape from both sides, especially if you have family or friends who visit for extended periods.

    Canadian snowbirds face unique challenges: their provincial health insurance provides little to no coverage in the United States, and they need comprehensive travel medical insurance for their entire stay. If you’re hosting Canadian visitors, you should gently confirm they have proper coverage. A medical emergency without insurance in the U.S. can result in bills totaling hundreds of thousands of dollars.

    For Florida residents traveling north to visit family during the summer months, the reverse consideration applies. If you’re on Medicare, Original Medicare does work across state lines, but Medicare Advantage plans are more limited. If you’ll be away from Florida for extended periods, review your coverage to make sure you’ll have access to care.

    Theme Park Trips: Do You Need Insurance for Disney?

    Florida is home to Walt Disney World, Universal Orlando, SeaWorld, Legoland, and countless other attractions. If you’re a Florida resident, you’ve probably hosted visitors coming for the parks or taken plenty of theme park trips yourself. The question of whether you need travel insurance for a domestic theme park trip depends on a few factors.

    For in-state trips where you’re driving to Orlando, the calculus is different from that for out-of-state visitors flying in. You likely don’t need trip cancellation coverage for a weekend at Disney since you can just reschedule. But if you’ve booked an expensive package with non-refundable hotel stays, park tickets, dining plans, and exceptional experiences, the total investment can easily reach several thousand dollars, at which point protection starts making sense.

    Disney and other parks offer their own travel protection, but as with cruise line insurance, independent policies often provide better value. If you do buy insurance for a theme park trip, prioritize trip cancellation coverage (in case of illness or family emergency) and travel delay coverage (in case weather or flight issues disrupt your plans). Medical coverage is less critical for domestic trips if you already have health insurance.

    Practical Shopping Tips for Florida Residents

    1. Buy early, especially during hurricane season. The moment you book a trip between June and November, buy your insurance. Don’t wait to see what develops in the Atlantic. Once storms are named, your options narrow dramatically.
    2. Filter for Florida residency when comparing. CFAR and some other coverages aren’t available to Florida residents from all providers. Make sure your quote reflects your actual state of residence.
    3. Read the hurricane coverage carefully. Look for policies that specifically cover NOAA hurricane warnings, mandatory evacuation orders, and destination uninhabitability. Understand the difference between what triggers coverage and what doesn’t.
    4. For cruises, don’t just buy the cruise line’s plan. Compare independent options. Look specifically for missed departure coverage, cruise-specific interruption benefits, and medical evacuation from sea.
    5. Consider annual policies if you cruise frequently. If you take multiple cruises per year out of Florida ports, an annual multi-trip policy might be more economical than insuring each trip separately. Note that Florida residents may have different maximum trip lengths on annual policies (often 30 days per trip for Florida vs. 40 days for other states).
    6. Remember that coverage works both ways. Your travel insurance can protect you if a hurricane hits your Florida home while you’re traveling and you need to return early. This is a Florida-specific benefit that residents of other states rarely think about.

    The Bottom Line for Florida Travelers

    Living in Florida means living with unique travel risks. You’re in the path of hurricanes. You’re next door to the world’s busiest cruise ports. You’re hosting millions of visitors while also traveling frequently yourself. Your travel insurance needs reflect this reality.

    The most important takeaway for Florida residents is timing. Buy your insurance early, before storms develop and before you lose access to the broadest range of coverage options. The difference between buying insurance in May versus August could be the difference between having hurricane coverage and not.

    For cruise travelers, invest the time to find coverage that actually addresses cruise-specific scenarios. For theme park trips, calculate whether the nonrefundable investment justifies the insurance cost. And for hurricane season travel, seriously consider whether CFAR coverage (if you can find it) is worth the extra cost for the flexibility it provides.

    Florida is a state built for travelers. Make sure you’re protected when you’re one of them.

    How we rated travel insurance companies

    Here’s the methodology and ratings we used to assess the best travel insurance options.

    CompanyFinancial StrengthAffordabilityCustomer ServiceExperienceReputationClaims ProcessRaw ScoreCurved Score
    MedJet Assist9.57.58.578.598.4759.8
    Faye Travel Insurance987.5976.57.7759
    Berkshire Hathaway Travel Insurance10876787.89
    Battleface Travel Insurance7.58.57.587.86.57.618.8
    Travelex Travel Insurance9878767.58.6
    HTH Travel Insurance96.577.57.577.4758.6
    Aegis Travel Insurance88.576.5767.2258.3
    Generali Travel Insurance986.566.567.18.2
    Travel Insured International96.575.5767.0258.1
    World Nomads Travel Insurance9.57.55.57.85.866.9658
    Nationwide Travel Insurance9766.56.55.56.8257.9
    John Hancock Travel Insurance8.576.56666.757.8
    IMG Travel Insurance8.56.565.56.566.6257.6
    TinLeg Travel Insurance9866.55.546.557.5
    WorldTrips Travel Insurance10757.55.546.57.5
    AXA Travel Insurance9667556.357.3
    USI Affinity Travel Insurance96546.556.157.1
    Seven Corners Travel Insurance90.756.566.55.55.93756.8
    Trawick Travel Insurance8.574.56.53.52.55.3756.2
    Travel Guard Travel Insurance8325113.33.8
    author avatar
    Michael Wagner Editor
    Driven by a lifelong mission to master his personal finances, Michael Wagner is a seasoned personal finance writer with 10 years of expertise covering retirement plans and insurance. Growing up in a lower-middle-class household, Michael became obsessed with finance upon graduating from college. His passion is rooted in sharing that hard-earned knowledge. As a former licensed insurance agent, he brings a practical, licensed perspective to his content, helping readers answer their most pressing questions and ultimately improve their financial standing.

    Important Information About Travel Insurance

    *Insurance needs vary significantly based on individual circumstances. This page provides general information and should not be considered personal insurance advice. Always read policy documents carefully and consider consulting with a licensed insurance professional for guidance on your specific situation.

    **Company information and offerings may have changed since the time of writing. Please always verify the current details before purchasing an individual policy.