Traveling in 2025 comes with both excitement and uncertainties — from changing airline policies to health concerns like COVID-19. Whether you’re planning a domestic trip, an international adventure, or welcoming family to the U.S., having the right travel insurance plan is essential.
In this comprehensive guide, we review the top travel insurance plans in the USA for 2025, who should buy them, and how to choose the best one for your needs. We also provide trusted resources to compare plans, get quotes, and purchase online.
Why Travel Insurance Matters in 2025
With rising travel costs, stricter cancellation policies, and expensive healthcare (especially in the United States), the demand for comprehensive travel insurance in the USA has never been greater.
Whether you’re dealing with flight delays, lost luggage, or a medical emergency overseas, travel insurance offers:
- Trip cancellation & interruption protection
- Emergency medical coverage
- COVID-19 treatment and quarantine benefits
- Lost or delayed baggage compensation
- Emergency evacuation and repatriation
Who Needs Travel Insurance in the USA?
Travel insurance isn’t just for international trips. It’s important for:
- U.S. citizens traveling abroad
- Visitors to the USA (parents, students, tourists)
- Domestic travelers booking non-refundable trips
- Business travelers
- Adventure and cruise travelers
What to Look for in a Travel Insurance Plan
Before jumping into the top providers, here are the key features to look for in any travel insurance USA plan:
- Medical Coverage (Ideally $100,000+ for international trips)
- Trip Cancellation & Interruption
- Baggage Loss or Delay
- Emergency Evacuation & Repatriation
- COVID-19 Coverage
- Pre-existing Condition Waiver (when available)
- 24/7 Global Assistance Services
Top Travel Insurance Plans in the USA for 2025
Below are our expert picks for the best travel insurance plans in the USA for 2025, based on coverage, flexibility, customer reviews, and value for money.
1. Allianz Travel Insurance – OneTrip Prime
Best for: Frequent travelers and families
Key Features:
- Trip cancellation up to 100% of trip cost
- Emergency medical up to $100,000
- Baggage loss/delay coverage
- Includes COVID-19 and trip delay protection
- Pre-existing condition waiver if purchased within 14 days
Why it’s great: Allianz is one of the most recognized names in global travel insurance. Their OneTrip Prime plan offers well-rounded protection for both domestic and international travelers.
2. IMG – Patriot Travel Medical Insurance
Best for: International travelers to the USA
Key Features:
- Medical coverage up to $1 million
- Acute onset of pre-existing condition coverage
- Optional riders for adventure sports
- Emergency evacuation and repatriation
- Multiple deductible options
Why it’s great: IMG’s Patriot plans are perfect for non-U.S. residents visiting the USA. Flexible, affordable, and highly customizable.
3. Seven Corners – RoundTrip Choice
Best for: Trip protection with strong benefits
Key Features:
- Trip cancellation up to 100%
- Medical coverage: $100,000+
- Cancel for any reason (CFAR) upgrade available
- Baggage, delay, and interruption benefits
- Travel assistance and concierge services
Why it’s great: Seven Corners is known for excellent service and competitive pricing. The CFAR add-on makes it especially attractive in uncertain times.
4. WorldTrips – Atlas America
Best for: Visitors to the USA (non-U.S. citizens)
Key Features:
- Medical benefits up to $2 million
- COVID-19 coverage included
- Acute onset of pre-existing conditions
- Covers travelers up to age 79
- Includes telemedicine support
Why it’s great: Atlas America is a favorite among international travelers visiting the U.S. for its high coverage limits and flexible terms.
5. Trawick International – Safe Travels USA Comprehensive
Best for: Seniors and visiting parents
Key Features:
- Up to $1 million in medical coverage
- PPO network available in the U.S.
- Covers acute onset of pre-existing conditions
- COVID-19 coverage included
- Emergency medical evacuation
Why it’s great: Trawick is well-rated for covering older travelers and provides robust benefits for those visiting family in the U.S.
Bonus: Annual Travel Insurance Plan for Frequent Travelers
✅ Allianz Travel – AllTrips Premier
Perfect for business travelers, digital nomads, and frequent flyers, this plan offers:
- Annual trip cancellation/interruption coverage
- Emergency medical/dental coverage
- Worldwide assistance 24/7
- Lost baggage and travel delay reimbursement
Where to Compare and Buy Travel Insurance in the USA
To find the best travel insurance in USA for your trip, use trusted online marketplaces:
- Insubuy – Compare visitor insurance and travel medical plans for the USA and globally.
- VisitorsCoverage – Great for travelers and expats, with easy plan comparison.
- Squaremouth – Useful for comparing domestic and international trip protection policies.
- TravelInsurance.com – Compare plans from top providers in one place.
FAQs About Travel Insurance in the USA
❓ Is travel insurance required for USA trips?
No, it’s not mandatory for most travelers, but it’s strongly recommended, especially for international visitors and expensive trips.
❓ How much does travel insurance cost in the USA?
Typically, 4% to 10% of your total trip cost for trip insurance. Medical-only policies for visitors start at around $1–$5 per day, depending on age and coverage.
❓ Does travel insurance cover COVID-19 in 2025?
Yes, most major providers now include COVID-19 treatment, testing, and quarantine expenses — but check the policy specifics.
❓ Can I cancel my plan and get a refund?
Yes, most policies offer a free look period (usually 10–15 days) for a full refund if the trip hasn’t started and no claims have been filed.
Final Thoughts: Choosing the Best Travel Insurance in 2025
The best travel insurance plan in the USA for 2025 depends on your destination, budget, age, and health needs. Whether you’re visiting the U.S., traveling abroad, or just want cancellation protection for a weekend getaway — there’s a plan tailored to your needs.
Don’t wait until it’s too late. Use tools like Insubuy or VisitorsCoverage to compare policies and get covered in minutes.
