Travelex excels in providing lots of coverage choices. It offers three comprehensive plans and three other specialized plans (a standalone post-departure medical plan and two flight-focused plans). They all cover trip delay, interruption, and cancellation; lost or damaged baggage; and emergency medical care. On top of that, there are at least seven optional upgrades available with every comprehensive plan—nine with the top-tier Ultimate plan. Its cancel-for-any-reason (CFAR) add-on covers up to 75% of your trip cos🦋t.

The low-cost Essential plan provides 100% trip cancellation up to $10,000 and good coverage for trip delays and lost or damaged baggage. But coverage for missed connections and emergency medical care is minimal. And the look-back period for 澳洲幸运5开奖号码历史查询:preexisting conditions is a relatively long 180 days. That means health conditions that existed within the past six months are excluded from medical coverage. The Essent♏ial plan provides no option to waive that exclusion. 

The Travelex Ultimate plan provides much better coverage than🌊 the Essential, including a $50,000 limit for trip cꦉancellation. Kids under 17 are also included for free.  

All plans let you add extra coverage for rental car damage, adventure sports, and rental property security deposits. The Ultimate plan also lets you buy 澳洲幸运5开奖号码历史查询:cancel-for-any-reason coverage and addi✃tional medical coverage. Plus, the preexisting condition lookback period is only 90 days, and the exclusion can be waived꧃ if you’ve bought the plan within 21 days after your first trip payment.

Travelex Insurance Services is based in Omaha, Nebraska. It was founded in 1996 when the Travelex Group bought Mutual of Omaha’s travel insurance business. Policies are underwritten by Zurich American Insurance Company, whose financial strength is rated superior by credit rating agency AM Best.

HTH is an excellent option for older adults, especially if you’re worried about medical problems𝕴 while traveling. The budget-oriented TripProtector Economy plan offers the highest percentage of trip interruption reimbursement (125%) and medical evacuation coverage ($500,000) Investopedia found among the companies we researched. 

While premiums are middle-of-the-pack, this plan's maximum trip cancellation coverage is only $5,000, and it doesn’t include an option to waive the exclusion of preexisting conditions from medical coverage. However, the next level up, TripProtector Classic, has a cancellation limit of $25,000 and will cover preexisting conditions if you buy the plan within 14 days of your initial trip deposit, with a 60-day lookback period.  

Several HTH standalone medical plans are available to applicants up to age 95 and cover preexisting conditions. The TravelGap Voyager plan also offers primary medical coverage, which can be important for people on Medicare or without any health insurance at all. Although some Medigap plans cover emergency care overseas, Original Medicare and 澳洲幸运5开奖号码历史查询:Medicare Advantage generally don’t. A travel plan that 𒉰offers secondary coverage may require you to show that you have a primary insurance provider before accepting you, and then make you file any medical claims fir💫st with the primary provider. That can cause extra headaches and delay reimbursement.

HTH also stands out for a few other benefits. The TripProtector Preferred plan includes cancel-for-any reason coverage for up to 75% of eligible costs. In addition, HTH is great for people spending extended time overseas because it offers annual multi-trip plans and, for people who live abroad, long-term medical plans. This makes sense because HTH is admi𒊎nistered by World Insuranc🌱e Services, which was founded in 1997 to help international travelers and expatriates.

HTH Travel Insurance is based in Pennsylvania. Nationwide underwrites 𓆏some pl🦩ans. 

Seven Corners’ cruise insurance includes these reimburs𝔍ement lev🐼els, which are the best we found:

• Trip cancellation: 100% up to $30,000
• Trip interruption: 150%
• Trip delay per day: $250
• Trip delay maximum: $1,000
• Missed connection: $1,500
• Itinerary change: $500
• Emergency medical: $250,000
• Optional CFAR and IFAR coverage: 75% of non-refundable costs

It also includes $500,000 for emergency medical ꦫevacuatio🃏n. 

The main downside is the cost. Seven Corners has the highest premiums💜 among the cruise insurance providers we researched. But if you don’t need as much coverage as the cruise plan offers, you could do well with the Seven Corners Trip Protector Basic plan, a general travel insurance plan whose premium is about 43% lower. It still offers 100% coverage for trip cancellations up to $30,000. Other coverages are lower but still may be adequate for many travelers’ needs. Missed cruise connections are covered for up to $500.

Sevꦅen Corners is based in Carmel, Indiana, and was founded in 1997.

🐬World Nomads is a good insurer if you’re looking for adventure. The lower-cost Standard plan covers activities such as skiing within bounds, SCUBA diving up to 165 feet deep, rock climbing, mountain biking, white water rafting or kayaking, bungee jumping, parasailing, and ziplining. Choose an upgraded plan for heliskiing, hang gliding, cave diving, skydiving, or piloting an airplane, among other things. is on the site. Your gear is covered, too—up to $1,000 for the Standard plan, and $3,000 for the elite Epic plan. 

The Standard plan provides excellent coverage, with a few exceptions. Trip cancellation and trꦉip interruption coverage are capped at $2,500. And it doesn’t cover preexisting conditions at all. Higher-priced plans offer a waiver for this exclusion, but only if you buy your policy within seven days of making the first trip payment. No plans offer primary medical coverage. 

The Epic plan has a more reasonable cancellation coverage limit of $15,000 and outstanding coverage for other travel mishaps. But you’ll pay for it. The Epic plan is the most expensive we reviewed, and the Standard plan is among the costliest lowest-tier plans. Still, it may be worth it if y🥃ou want an all-in-one plan that covers a lot of activities and excels in other coverage. There’s an annual multi-trip policy, too, if you’re planning a lot of trips in a yea🤪r.

Sydney, Australia-based World Nomads began selling travel insurance in 2002, focusing on independent travelers. Its U.S. headquarters is in Oakland, California. Policies are serviced by Trip Mate and underwritten by United States Fire Insurance Company. United States Fire Insurance Company is owned by Crum & Forsteꦆr, an insurance company with an excelle🍸nt financial strength rating that was founded in 1822.