Best Travel Insurance Companies in the USA for 2026

Should I Buy Trip Cancellation Insurance or Travel Medical Insurance?

Which Travel Insurance Is Best for You?

✈️ Trip Cancellation Insurance
For US residents - Covers non-refundable trip costs (flight, hotel, cruise...) & medical expenses.
🩺 Travel Medical Insurance
For all international travelers - Provides medical coverage for illnesses, injuries, doctor visits, and hospital stays.
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Which Are the Best Travel Insurance Companies in USA in 2026?

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.

trawick logoTrawick International

Trawick International trip protection plans offer comprehensive trip cancellation insurance for USA travel, 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.

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.

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.

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.
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.
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
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