Choosing the right travel insurance can feel overwhelming. With dozens of providers making similar promises, how do you know which one will actually be there when you need them most, whether that’s a medical emergency abroad, a cancelled flight, or lost luggage?
That’s why we developed a rigorous, data-driven methodology to cut through the marketing noise and identify the best travel insurance companies that truly deliver for their customers.
Our Approach
We evaluated 20 travel insurance companies using a weighted scoring system designed to reflect what actually matters when you’re stranded in a foreign country or facing an unexpected trip cancellation. Each company was assessed across six core categories, with scores curved against the top performer to ensure our rankings reflect real competitive differences.
Here’s how we weight each factor, and why it matters for your next trip.
Financial Strength & Solvency (20%)
An insurance policy is only as good as the company’s ability to pay your claim. We heavily weight financial strength because travel insurance is fundamentally a promise: the promise that funds will be available when you need them, whether that’s a $500 baggage delay or a $100,000 medical evacuation.
We examine AM Best ratings, financial reserves, and parent company stability. A provider offering rock-bottom prices means nothing if they can’t honor claims when disaster strikes.
Customer Service (20%)
When you’re dealing with a crisis far from home, responsive and knowledgeable customer service isn’t a luxury, it’s essential. We evaluate 24/7 availability, multilingual support, average response times, and the quality of assistance provided.
We also look at whether companies offer dedicated travel assistance services beyond basic claims support, such as help finding local medical providers or coordinating emergency transportation.
Customer Satisfaction & Reputation (20%)
Past customer experiences offer valuable insight into what you can expect. We analyze verified customer reviews, complaint ratios filed with state insurance departments, and industry reputation among travel professionals.
We pay particular attention to patterns in feedback: consistent praise for smooth claims experiences carries weight, as do recurring complaints about denied claims or poor communication.
Affordability & Value (15%)
Price matters, but cheap insurance that doesn’t pay out isn’t a bargain. We compare travel insurance rates across standardized trip profiles while also evaluating what you actually get for your money: coverage limits, deductibles, and included benefits.
The goal isn’t finding the cheapest policy; it’s identifying companies that offer genuine value through competitive pricing paired with comprehensive coverage.
Claims Process (15%)
The true test of any insurance company is how it handles claims. We evaluate the clarity of claims procedures, average processing times, documentation requirements, and approval rates for legitimate claims.
We also consider whether companies offer convenient digital claims submission and transparent communication throughout the process. A company that makes filing a claim difficult or opaque loses points here, regardless of how polished their sales experience might be.
Online & Digital Experience (10%)
Today’s travelers expect to research, purchase, and manage their insurance digitally. We assess website usability, mobile app functionality, the clarity of policy information, and how easy it is to get a quote and understand what you’re buying.
While this carries less weight than factors like financial strength or claims handling, a poor digital experience can signal broader operational issues and create unnecessary friction when you’re trying to access important policy documents on the go.
Our Commitment to Objectivity
Our ratings are based entirely on our independent research and analysis. We regularly update our evaluations to reflect changes in company performance, customer feedback, and market conditions.
Travel insurance exists to provide peace of mind. Our methodology is designed to help you find a provider worthy of that trust.
Travel Insurance Company Reviews
| Company | Financial Strength | Affordability | Customer Service | Experience | Reputation | Claims Process | Raw Score | Curved Score |
|---|---|---|---|---|---|---|---|---|
| MedJet Assist | 9.5 | 7.5 | 8.5 | 7 | 8.5 | 9 | 8.475 | 9.8 |
| Faye Travel Insurance | 9 | 8 | 7.5 | 9 | 7 | 6.5 | 7.775 | 9 |
| Berkshire Hathaway Travel Insurance | 10 | 8 | 7 | 6 | 7 | 8 | 7.8 | 9 |
| Battleface Travel Insurance | 7.5 | 8.5 | 7.5 | 8 | 7.8 | 6.5 | 7.61 | 8.8 |
| Travelex Travel Insurance | 9 | 8 | 7 | 8 | 7 | 6 | 7.5 | 8.6 |
| HTH Travel Insurance | 9 | 6.5 | 7 | 7.5 | 7.5 | 7 | 7.475 | 8.6 |
| Aegis Travel Insurance | 8 | 8.5 | 7 | 6.5 | 7 | 6 | 7.225 | 8.3 |
| Generali Travel Insurance | 9 | 8 | 6.5 | 6 | 6.5 | 6 | 7.1 | 8.2 |
| Travel Insured International | 9 | 6.5 | 7 | 5.5 | 7 | 6 | 7.025 | 8.1 |
| World Nomads Travel Insurance | 9.5 | 7.5 | 5.5 | 7.8 | 5.8 | 6 | 6.965 | 8 |
| Nationwide Travel Insurance | 9 | 7 | 6 | 6.5 | 6.5 | 5.5 | 6.825 | 7.9 |
| John Hancock Travel Insurance | 8.5 | 7 | 6.5 | 6 | 6 | 6 | 6.75 | 7.8 |
| IMG Travel Insurance | 8.5 | 6.5 | 6 | 5.5 | 6.5 | 6 | 6.625 | 7.6 |
| TinLeg Travel Insurance | 9 | 8 | 6 | 6.5 | 5.5 | 4 | 6.55 | 7.5 |
| WorldTrips Travel Insurance | 10 | 7 | 5 | 7.5 | 5.5 | 4 | 6.5 | 7.5 |
| AXA Travel Insurance | 9 | 6 | 6 | 7 | 5 | 5 | 6.35 | 7.3 |
| USI Affinity Travel Insurance | 9 | 6 | 5 | 4 | 6.5 | 5 | 6.15 | 7.1 |
| Seven Corners Travel Insurance | 9 | 0.75 | 6.5 | 6 | 6.5 | 5.5 | 5.9375 | 6.8 |
| Trawick Travel Insurance | 8.5 | 7 | 4.5 | 6.5 | 3.5 | 2.5 | 5.375 | 6.2 |
| Travel Guard Travel Insurance | 8 | 3 | 2 | 5 | 1 | 1 | 3.3 | 3.8 |
