Traveling abroad in 2025 has become more exciting than ever, but it also comes with unexpected risks. Whether it’s a sudden illness, a lost passport, or a flight cancellation, these setbacks can turn a dream trip into a financial nightmare. That’s where travel insurance comes in. With a good travel insurance policy, you get peace of mind, knowing that medical emergencies, cancellations, and even non-medical hassles are covered. If you’re planning international travel this year, you’ll want to know the best travel insurance companies in the USA for 2025. Based on coverage, global reach, flexibility, and benefits, here are the top 10 providers to consider.
1. April International
April International is known for its flexible policies tailored to both short-term travelers and long-term expatriates. Coverage options range from 1–12 months, making it ideal for vacationers, students, and business travelers.
- Coverage area: 180+ countries worldwide
- Deductible: No deductibles on most plans
- Non-medical benefits: Legal assistance, emergency accommodation, lost baggage coverage, and return of mortal remains.
Why it stands out: April International is a favorite among digital nomads and expats due to its affordable yet comprehensive policies.
2. VUMI Travel VIP
VUMI Travel VIP specializes in premium travel insurance, offering single-trip and annual multi-trip plans. Travelers can choose coverage for 30, 60, or 90 consecutive days, which makes it attractive for frequent flyers.
- Coverage area: Global, including the Americas, Europe, Asia, and Africa
- Deductible: One deductible per person, max two per family per plan
- Non-medical benefits: Baggage delay or loss, missed flights, theft of passport/cash, personal liability, and accidental death coverage.
Why it stands out: High-end travelers and executives trust VUMI for its extensive coverage and VIP-style service.
3. IMG GlobeHopper
IMG GlobeHopper is a trusted name for international medical insurance with coverage lasting up to two years. Plans are customizable, making it easy to adjust deductibles and add extra riders.
- Coverage area: Worldwide (with options excluding USA/Canada to reduce costs)
- Deductible: Customizable deductibles
- Non-medical benefits: Trip interruption, accidental death & dismemberment, lost luggage, and optional evacuation riders.
Why it stands out: Best for long-term travelers, students studying abroad, and expatriates seeking flexible plans.
4. GeoBlue
GeoBlue, part of the Blue Cross Blue Shield network, is famous for having the largest direct billing network worldwide. Its policies cover both short trips and long-term expatriate stays.
- Coverage area: Global coverage across all continents
- Deductible: Customizable
- Non-medical benefits: Primarily focused on medical care but includes emergency assistance services.
Why it stands out: GeoBlue is especially strong in medical support, making it a go-to choice for travelers prioritizing health care access.
5. MSH International
MSH International is a global insurance leader providing coverage for 1–12+ months, catering to tourists, business professionals, and expats.
- Coverage area: Worldwide (plans available excluding the USA/Canada for affordability)
- Deductible: No deductibles on most plans
- Non-medical benefits: Baggage loss, passport theft, flight delays, personal liability, legal support, and even search & rescue.
Why it stands out: Adventure travelers love MSH for its search and rescue coverage in seas, mountains, and deserts.
6. Cigna Global
Cigna is a household name in international health insurance and offers a wide range of customizable plans for travelers and expats.
- Coverage area: Worldwide, with options to include/exclude the USA
- Deductible: Flexible deductible structures
- Non-medical benefits: Trip cancellation, baggage loss, emergency evacuation, and personal liability depending on the plan.
Why it stands out: Its global healthcare network and highly customizable policies make Cigna an excellent choice for families and long-term residents abroad.
7. Allianz Care
Allianz Care is one of the most recognized insurers in the travel industry, offering short-term, annual, and long-term global health insurance plans.
- Coverage area: Worldwide, with exclusions available to reduce premiums
- Deductible: Varies by plan, customizable
- Non-medical benefits: Trip cancellation, curtailment, baggage loss, liability coverage, and travel assistance.
Why it stands out: Allianz Care is particularly popular with business travelers and corporate clients who need reliable coverage worldwide.
8. Bupa Global
Bupa Global is best known for its premium international health insurance, designed for individuals and families relocating abroad. While it focuses heavily on health coverage, some plans include emergency assistance.
- Coverage area: Worldwide, with the option to exclude USA for lower premiums
- Deductible: Multiple options, some plans without deductibles
- Non-medical benefits: Limited, but includes some assistance services and evacuation coverage.
Why it stands out: Ideal for expats and families who want luxury-level medical benefits across the globe.
9. Now Health International
Now Health International targets long-term expats and international workers, offering annual health insurance plans that can be tailored to specific needs.
- Coverage area: Worldwide, with some regional exclusions available
- Deductible: Flexible deductible levels
- Non-medical benefits: Focused primarily on health; non-medical coverage is minimal.
Why it stands out: Best for professionals and digital nomads seeking reliable, year-round medical protection abroad.
10. AXA Global Healthcare
AXA is a trusted name in global insurance and offers plans for both short trips and long-term assignments abroad.
- Coverage area: Worldwide, with customizable regions
- Deductible: Wide range of deductible options
- Non-medical benefits: Travel delays, baggage loss, personal liability, and emergency travel assistance.
Why it stands out: AXA Global Healthcare combines flexibility with affordability, making it a strong choice for both occasional travelers and expats.
How to Choose the Right Travel Insurance in 2025?
With so many options available, choosing the right travel insurance depends on your travel style, trip length, and personal needs. Here are some tips:
- For vacationers: Look for short-term plans with baggage and trip delay coverage (April International, Allianz Care).
- For frequent flyers: Multi-trip annual plans save time and money (VUMI Travel VIP, AXA).
- For digital nomads/expats: Long-term health coverage is a must (Cigna, Now Health, Bupa).
- For adventure travelers: Policies with search & rescue and evacuation benefits are essential (MSH International, IMG GlobeHopper).
- For health-focused travelers: Companies with strong medical networks (GeoBlue, Cigna, Bupa) provide the most reliable care abroad.
Conclusion
In 2025, the top travel insurance companies in the USA, April International, VUMI Travel VIP, IMG GlobeHopper, GeoBlue, MSH International, Cigna, Allianz Care, Bupa, Now Health, and AXA, stand out for their diverse offerings and global reach. Whether you’re a student studying abroad, a family relocating overseas, or a frequent flyer hopping across continents, these providers have a policy that matches your lifestyle.
Before purchasing, always compare quotes, check deductibles, and review exclusions to make sure the plan aligns with your travel goals. With the right policy in hand, you can enjoy your adventures stress-free, knowing you’re financially protected against the unexpected.
