The 10 Best Travel Insurance Companies in 2025

The ten best travel insurance companies include April International, VUMI Travel VIP, IMG GlobeHopper, Geoblue, MSH International, Cigna, Allianz Care, Bupa, Now Health, and AXA. All ten of these companies offer medical benefits for international travelers or expats and a variety of non-medical benefits.

Are you looking for international health insurance? Keep reading to compare five of the best travel insurance companies offering medical benefits abroad. Whether you’re heading on vacation or planning to live and work in another country, there’s a travel insurance policy for you!

We’ll discuss the 10 best travel insurance companies and compare their medical benefits, including coverage areas, deductibles, and the length of time that coverage is available. We’ll also include links and information to make selecting a policy convenient!

Best Travel Insurance Companies with International Health Insurance

Since medical emergencies can quickly become the most expensive travel mishap, we focused on five companies that offer medical benefits outside the United States. Our top ten were April International, VUMI Travel VIP, IMG Globehopper, Geoblue, MSH International, Cigna, Allianz Care, Bupa, Now Health, and AXA.

We’ll compare these ten outstanding options by policy features to give you an idea about which one would fit your needs. 

Time Span For Coverage 

For a single journey, travelers can select a plan designed for just that trip. Those with multiple trips on their horizon may find an annual plan more convenient. If you’re a digital nomad or an expat living and working abroad, a longer-term policy will likely be necessary.

Each plan offers a maximum time span for coverage, so we’ll explain the different options here. 

• April International offers short-term coverage for 1-12 months and long-term coverage for expats. 
• VUMI Travel VIP offers coverage for a single round trip or annual plans for multiple trips that offer coverage for 30, 60, or 90 consecutive days.
• IMG GlobeHopper offers international health insurance plans for up to two years.
• Geoblue offers travel insurance plans with medical benefits for a single round trip or multiple trips within a 70-day span. Geoblue also offers a long-term plan for expatriates.
• MSH International offers plans for 1-12+ months.
• Cigna offers a variety of plans, including short-term options for travelers and long-term plans for expats, with durations often customizable based on your needs.
• Allianz Care provides coverage for single trips, annual multi-trip plans, and long-term health insurance solutions for individuals and families living abroad. The duration of their long-term plans can vary.
• Bupa Global offers both short-term travel insurance and long-term international health insurance plans designed for individuals and families residing outside their home country. Coverage durations can be flexible.
• Now Health International provides international health insurance plans with varying durations, catering to individuals and expats living abroad for extended periods. Their plans are typically annual but can be tailored to specific needs.
• AXA Global Healthcare offers a range of international health insurance plans suitable for different durations, from short trips to long-term expat assignments. The specific timeframes depend on the chosen plan.

Areas Of Coverage

One way to save money on your international insurance plan is the ability to customize coverage. Being able to exclude coverage in the United States can reduce your travel insurance premiums. On the other hand, you still need coverage in all of your destinations.

• April International 

April International insures travelers and expats across Asia, Africa, Europe, the Americas, and Oceania. While they cover a vast number of countries (180+), specific exclusions might apply based on the chosen plan and current geopolitical situations.

• VUMI Travel VIP 

Vumi Travel VIP insures travelers from across the globe including the Americas, Europe, Middle East/Asia, Africa, and Oceania.

• IMG GlobeHopper

Europe (Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Croatia, Germany, Gibraltar, Greece, Greenland, Holland, Hungary, Iceland, Italy, Jersey, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation, San Marino, Serbia, the Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Tajikistan, Turkey, Turkmenistan, Ukraine, United Kingdom, Uzbekistan, the Vatican City, and Yugoslavia)

Worldwide, excluding the United States and Canada

Worldwide

• Geoblue 

GeoBlue offers coverage across the globe, including Asia, Africa, Europe, the Americas, and Oceania. They boast the largest direct billing network of any travel insurance provider worldwide, facilitating easier access to healthcare in numerous countries.

• MSH International 

Worldwide, excluding the United States and Canada

Worldwide

• Cigna

Cigna offers different levels of coverage, often allowing you to select worldwide coverage, including or excluding the United States, depending on the specific plan. Their network spans across the globe.

• Allianz Care

Allianz Care provides various coverage options, typically offering worldwide coverage. Some plans allow for the exclusion of certain regions, such as the USA, to potentially reduce premiums.

• Bupa Global

Bupa offers international health insurance plans with different geographical coverage options. You can often choose plans that include or exclude the USA, impacting the premium.

• Now Health International

Now Health International generally provides worldwide coverage with their international health insurance plans. Some plans may offer options to exclude certain regions.

• AXA Global Healthcare

Offers a range of plans with varying geographical coverage. Many provide worldwide coverage, and some may have options to tailor coverage to specific regions, potentially excluding the USA.

Deductibles/Excess

A deductible, also called an excess, is the amount you have to pay out of pocket for medical care. Some travel insurance plans offer plans without any deductibles, and other plans allow you to customize your deductible amount. 

For individuals and families with low risk, choosing a higher deductible can save you money on your premiums. For others with higher risk, like those with serious medical conditions, lowering or eliminating the deductible could save money.

• April International plans have no deductibles.
• VUMI Travel VIP only charges one deductible per person per plan, or up to two deductibles per family per plan.
• IMG GlobeHopper plans have customizable deductibles.
• Geoblue plans have customizable deductibles.
• MSH International plans have no deductibles.
• Cigna offers a range of plans with varying deductible options. Some plans may have no deductible, while others allow you to choose a deductible amount, which can influence your premium.
• Allianz Care provides plans with different deductible structures. Some plans may have a fixed deductible amount, while others might offer options to customize the deductible.
• Bupa Global offers plans with various deductible options. The availability and amounts can depend on the specific plan chosen. Some plans may have no deductible.
• Now Health International offers plans with different deductible levels. You can typically choose a deductible amount that suits your needs and budget.
• AXA Global Healthcare plans often come with a range of deductible options. You can usually select a deductible amount that aligns with your risk tolerance and premium considerations.

Non-Medical Benefits

Sometimes bundling travel insurance policies is a great way to save money. However, some travelers may have non-medical benefits through a travel credit card or other means. In that case, they may save money by focusing on plans with medical benefits.

• April International 

April International offers the following non-medical benefits: legal assistance, assistance for loss or theft of personal effects, return of mortal remains, emergency accommodation, personal liability, and returning home in the case of death or hospitalization of a family member.

• VUMI Travel VIP 

VUMI Travel VIP offers the following non-medical perks: coverage for the delay, theft, loss, or damage to baggage, missing a flight, travel delay, and theft of passport or cash.

Other benefits include personal liability insurance for property damage or bodily injury. VUMI Travel VIP also has a daily hospital benefit, an accidental death and dismemberment policy, and legal assistance.

• IMG GlobeHopper 

IMG GlobeHopper offers coverage for trip interruption with up to $5,000 in coverage. It also has an accidental death & dismemberment policy, lost luggage, and riders for an Enhanced Accidental Death and Dismemberment plan.

Other riders through IMG GlobeHopper can offer additional coverage like evacuation expenses in a natural disaster.

• Geoblue

Geoblue focuses on the medical benefits for travelers. This includes the largest direct billing network worldwide.

• MSH International 

MSH International offers a variety of non-medical benefits. These include personal accident insurance for death or disability, coverage for loss, theft, delay, or damage of baggage, theft of passport, and coverage for travel delay and missed flight connection.

MSH International also covers personal liability for property damage and bodily injury. Their policy includes security and legal assistance. For adventurers, search and rescue in seas, mountains, and deserts is also covered.

• Cigna

Cigna’s non-medical benefits can vary depending on the specific plan chosen. Some plans may include coverage for trip cancellation or interruption, baggage loss or delay, personal liability, and emergency evacuation (medical and non-medical). It’s important to review the details of individual Cigna plans.

• Allianz Care

Allianz Care offers various non-medical benefits depending on the plan. These can include coverage for trip cancellation and curtailment, baggage delays or loss, personal liability, and travel assistance services. Specific benefits vary by plan.

• Bupa Global

Bupa Global primarily focuses on health and medical coverage. While their core offering centers around medical benefits, some plans may include certain assistance services like emergency evacuation. Review specific plan details for non-medical benefits.

• Now Health International

Now Health International’s primary focus is on international health insurance, emphasizing medical coverage. Non-medical benefits like trip cancellation or baggage loss are generally not core features. Consult specific plan details for any included non-medical coverage.

• AXA Global Healthcare

AXA Global Healthcare offers a range of non-medical benefits in some of their plans. These can include coverage for travel delays, lost or stolen baggage, personal liability, and emergency travel assistance. The availability of these benefits depends on the specific AXA Global Healthcare plan selected.

More Plan Comparisons

If you would like to have a more in-depth comparison of each option for travel insurance, we have articles with more details about each of our top five travel insurance company picks. You can review plan offerings from each of the companies.

• For more information about April International, see this article.
• For more details about VUMI Travel VIP, click here.
• To find out more about IMG GlobeHopper, read this.
• Read this article about Geoblue for more information.
• Click here for more information about MSH International
• For a more in-depth comparison of Cigna plans, see this page. 
• For more details about Allianz Care plan offerings, click here. 
• To find out more about Bupa Global’s plans, check out this page. 
• Visit this page for more information about Now Health International plans. 
• Click here for more details about AXA Global Healthcare plan options.

Cost Comparisons

The best way to compare the cost of plans is to get free quotes online. Collect your personal information and travel plans. Using that information, you can obtain a free quote from each company and compare the premiums for your selections.

To get your free quote, select “Buy Online Now.” You’ll be able to review the free quote without purchase. If there is a quote you are happy with, you can complete the application and purchase online without paper forms!

Or you can click here for more in-depth information about travel insurance and short-term insurance plans.

Do I Need International Health Insurance?

We recommend finding international health insurance plans with high maximum benefits. This will protect you financially from medical emergencies like illness or injury. These plans also offer coverage for medical evacuation if you need to return home due to your medical emergency.

Won’t My Health Insurance Cover Me Abroad?

Most health insurance companies will not cover United States residents abroad. Even if your health insurance does offer coverage outside of the U.S., this coverage is severely limited and insufficient. 

Health insurance like Medicare and Medicaid has no international coverage. Coverage through Medicaid and Medicare is limited to the United States and its territories.

Get a Quote Today!

Make sure you have international health coverage, whether you’re traveling on vacation or planning to live and work abroad as an expat. We recommend plans through April International, VUMI Travel VIP, IMG GlobeHopper, Geoblue, MSH International, Cigna, Allianz Care, Bupa, Now Health, or AXA.

If you have more questions, or if you would like to speak with a customer service representative, contact Pacific Prime for assistance with plans.

Frequently Asked Questions

How much will international health insurance cost?

To get an accurate estimate of international health insurance premiums, you’ll need to obtain quotes specific to your situation. Different rates are available for travel insurance, short-term insurance, and long-term insurance. Rates will also depend on coverage selections.

Is COVID-19 infection covered by travel insurance?

Some travel insurance companies offer coverage that automatically includes coverage in the event of COVID-19 infection, but many do not. Be sure to ask the travel insurance company if it is built into existing coverage or if there is a rider available.

What is excluded from travel insurance policies?

Travel insurance policies exclude intentional damage or harm on the part of the insured. Some policies may also exclude acts of terrorism or natural disasters. Make sure you are familiar with the coverage and its limitations.

Does travel insurance cover rental cars?

Some travel insurance companies offer a policy rider to cover a rental car, and some credit card companies also offer rental car coverage as a cardholder benefit. These policies often exclude expensive, recreational, or luxury vehicles.

Does travel insurance cover medical expenses?

Many travel insurance policies offer coverage for medical expenses. Sometimes this coverage is limited or minimal. Selecting a travel insurance company that specializes or focuses on medical benefits will provide the most comprehensive medical benefits.

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Veerabhatr Sriyananda

Content Writer at Pacific Prime

Veerabhatr is a content writer with over 6 years of experience with a particular penchant for storytelling and marketing, both in print and online. He now works with an experienced team of writers at Pacific Prime, aiming to shed light on the essence and benefits of insurance for companies and individuals by creating engaging, informative content across multiple platforms.

After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.

Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.

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