Choosing the Right Travel Insurance Provider: A Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Okay, this one is straight up my own style. Raw and honest.

Travel insurance – the boring but essential part of your trip. You know, the one you kinda hope you never need to use but should have just in case sh*t hits the fan.

The thing is, not all travel insurance providers are created equal. Some are like that one friend who’s got your back, while others are like the flaky acquaintance who’s nowhere to be found when you need them.

In this article, we’ll cut through the crap and tell you why you should go for the big guns in the industry, what the hell travel insurance providers even do, and drop the lowdown on some of the top dogs in the biz.

Why You Should Stick to Reputable Travel Insurance Providers

Alright, listen up. Here’s why you should go for the big names when it comes to travel insurance providers:

  1. Sh*t’s covered:
    Reputable providers offer more coverage options, so you’ll find a plan that suits your unique, snowflake-like needs.
  2. They’ve got the dough:
    Top-notch providers have the financial muscle to cover big claims and keep their service running smoothly.
  3. They give a damn:
    These guys actually care about their customers, offering 24/7 support and a shoulder to cry on during emergencies.
  4. People dig them:
    Good providers have a history of happy customers, which is a pretty solid indicator that they’re reliable and trustworthy.
  5. Claims? No problem:
    The big players have streamlined claims processes, which means you’ll get your money faster and with less hassle.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What the Hell is a Travel Insurance Provider and What Do They Do?

So, a travel insurance provider is a company that sells policies to save your ass from the financial mess that can come with travel disasters.

The Skinny on Top Insurance Providers

These policies cover everything from medical emergencies to trip cancellations and lost luggage. Travel insurance providers assess risks, create policies, and process claims, making sure you get the help you need when life throws you a curveball.

Allianz Global Assistance

The big kahuna of travel insurance, Allianz Global Assistance offers plans for everyone from solo travelers to families and businesses.

They’re known for their solid coverage options, attentive customer service, and claims processing that doesn’t make you want to tear your hair out.

Travelex Insurance Services

These guys are all about giving you options. Travelex lets you customize your travel insurance plans, so you can tailor your coverage like a bespoke suit.

They’ve got a solid rep for great customer service and handling claims without a hitch.

World Nomads

Are you an adventure junkie? World Nomads has your back. Their coverage is designed for the wanderlust crowd, with flexible policies that cover a wide range of activities and destinations.

Plus, their customer support and claims handling are on point.

AIG Travel Guard

AIG Travel Guard is like the dependable friend who always shows up. They offer comprehensive travel insurance plans that cover everything from medical expenses to trip cancellations.

Their claims process is fast, and their customer service is top-notch.

Seven Corners

Seven Corners is all about covering your bases, whether you’re traveling domestically or internationally. They offer a variety of coverage options, from trip protection to medical coverage.

Their customer service is responsive, and they’ll handle your claims like a pro.

Generali Global Assistance

These folks, formerly known as CSA Travel Protection, have a strong focus on customer service. Their travel insurance plans cover a wide range of risks, and they’re known for handling claims efficiently and being there for you 24/7.

IMG (International Medical Group)

IMG specializes in international medical and travel insurance for individuals, families, and groups. They’ve got your back whether you need medical coverage, trip protection, or some fancy specialty policies. IMG is known for providing solid coverage and kickass customer service.

HTH Travel Insurance

HTH Travel Insurance is like that underdog that surprises you with how good they are. They offer travel insurance and assistance services for both domestic and international travelers, with a variety of coverage options to suit your needs. HTH is known for their dependable customer service and claims processing that won’t leave you hanging.


So, there you have it – a no-bullsh*t guide to choosing the right travel insurance provider.

The bottom line is this: stick with the reputable providers, and you’ll be in good hands.

Remember, your travel insurance is only as good as the company behind it, so do your research and choose wisely. After all, the last thing you need when you’re dealing with a travel disaster is to realize that your insurance provider is about as useful as a screen door on a submarine.

Happy travels!