AardvarkCompare is the leading Travel Insurance Marketplace in the USA. Customers get to compare and save on their Trip Insurance. Our Travel Insurance Reviews offer our best insight into the multitude of Travel Insurance and Flight Insurance options available to customers based in the USA.
We work with a large number of the world’s best travel insurance companies, and highlight their insurance products. It is not possible to simply state which is the best travel insurance company. Rather, we would prefer to highlight strengths and weaknesses of the different carriers, so that customers can decide which is the best travel insurance company for them.
We share our review of trip insurance companies, their insurance plans and our ratings.
As a US Citizen you do not need a Schengen Visa or the associated Schengen Travel Insurance.
However, please read on, as it can be a little more complicated.
We strongly recommend that US Citizens purchase a Schengen Travel Insurance. The costs of medical treatment and evacuation in Europe are significant. Without travel insurance, you will be financially responsible for all costs. Every trip insurance policy we offer through our AardvarkCompare Travel Insurance marketplace is Schengen Travel Insurance compliant.
Something strange happens when we started our Southwest Airlines Travel Insurance Review. Southwest doesn’t actually sell Travel Insurance. Now, this might not sound like a big deal, but for us, it is a revelation.
Almost every airline in the USA sells Trip Insurance. They wait until the last moment of check-out then spring their cheap flight insurance offer on a customer.
Invariably, the insurance cover an airline offers is awful.
Whilst we tend not to recommend airline travel insurance for customers, travel insurance itself can be critical. Domestic travelers may benefit from having robust travel health insurance. For International Travel a comprehensive medical and evacuation insurance is essential. Whilst you may not be able to buy Southwest Airlines Travel Insurance, you should certainly consider taking cover for your trip.
Delta Travel Insurance is not good. You probably spent a good deal of time and effort searching to get the right flight for your trip.
But at check-out from Delta’s purchase page they offered you a single choice of insurance.
In all probability it is going to be expensive, and not cover what you need.
- It has no medical cover if you get sick on your trip in the USA.
- There is no medical evacuation coverage to get you home if you are within the USA.
- You have no protection at all if your vacation is cancelled by your employer.
- It is twice as expensive as other Trip Insurances which includes full cover.
We think that these are pretty important coverage levels to have in any trip insurance.
Most travel insurance carriers believe the same thing, which is why you see them in almost all trip insurance you can buy. Just not when you buy Delta Travel Insurance.
So, be very careful, you probably are not getting what you expect when you sign up for Delta Travel Insurance.
United Airlines has steadily grown to become one of the world’s most dominant air carriers. Whenever you use the United site, there is a huge push to buy United Airlines Travel Insurance. But is their travel insurance worth buying?
Please enjoy our comprehensive United Airlines Travel Insurance Review.
- United’s Flight Insurance is provided by AIG, a highly reputable travel insurer.
- United Travel Insurance is incredibly expensive – twice the price of other policies.
When we compare United Travel Insurance against low cost trip insurance policies, United’s coverage is weak.
United Airlines Trip Insurance is both expensive, and has very limited coverage.
We cannot recommend that you buy United Airlines Travel Insurance.
There are so many better options with more cover at a lower price.
Lufthansa Travel Insurance is offered during check-out from its website, here in the USA. Have you ever wondered if it was good value, or did you just click the box and hope you were covered?
Lufthansa Travel Insurance is twice as expensive as its competitors. It has very weak coverage. There are much better options available.
Air France Travel Insurance is pushed to customers when they buy tickets here in the USA. You may have wondered if the Air France trip insurance was good value, or overpriced nonsense. Air France Travel Insurance appears to be overpriced nonsense, we are sorry to say.
Air France is unusual in that during the check-out process, they offer 2 pieces of travel insurance. Both of them are pretty awful.
Air Canada Travel Insurance is offered to customers when they buy tickets here in the USA. It is over-priced with poor coverage. There are so many better options available. Moreover, Air Canada also tries to sell a separate Travel Assistance Plan which seems even worse than their awful Travel Insurance.
It only takes couple of minutes to find alternatives to Air Canada Trip Insurance. There are great options to choose from.
Emirates Travel Insurance is offered to customers when they book their flights out of the USA. It has very weak benefits; other options should be considered.
We are used to being offered Travel Insurance upon check-out whenever we buy a flight. Emirates is no different, and promotes AIG Air Ticket protection for its US customers. Note that this is not AIG Travel Insurance – it is air ticket protection. As we will see later on, the protection that Emirates is offering is very weak. Travelers would be well advised to seek better options.
American Airlines is one of the world’s largest airlines. In many parts of the USA it is the dominant carrier. Many of our customers ask is American Airlines Travel Insurance good value. They want to know whether American’s flight insurance is good value, or a complete waste of money.
Anyone who has worked their way through the American Airlines check-out process knows that American does enjoy adding ancillary services and charges. It is probably no surprise to learn that in our American Airlines Travel Insurance Review, we rate their cover as incredibly weak, and, somehow overpriced as well.
We are huge fans of JetBlue. They seem to have done an excellent job in building an airline that offers low-cost travel in modern aircraft. We think that their Mint Business Class Seats are innovative. Unfortunately, JetBlue Travel Insurance is awful. Their trip insurance is overpriced, with weak cover.
This should come as no great surprise, as JetBlue Flight Insurance is actually provided through Allianz Travel Insurance for cover. As such, we should expect to see expensive flight protection with massive gaps in cover.
Let’s take a look.
Priceline Travel Insurance is overpriced and with poor coverage levels. The cover is actually provided by Allianz, which explains the high costs. Customers will find much better options by quickly shopping around.
Use Priceline for Travel; use AardvarkCompare for Travel Insurance. Simple.
World Nomads Travel Insurance provides great cover if you are engaging in more extreme activities. It expensive, but probably the only way that a traveler who is looking for high-adventure travel will get covered.
However, World Nomads Travel Insurance is very expensive if a traveler is just engaged in normal, fun, standard behavior on a vacation.
So, we would certainly look at the World Nomads Explorer Plan as being potentially good value.
It offers protection for adventurous activities that are not found in regular trip insurance policies.
It is expensive, but we consider it an excellent trip protection plan.
On the other hand, the World Nomads Standard Plan looks wildly expensive.
It offers weak cover, yet is expensive.
American Express Travel Insurance is embedded into some, but not all, of their cards.
Amex Credit Card Travel Insurance is NOT comprehensive.
- No Medical Coverage
- No Evacuation Cover
- No Cancellation Cover
These are critical coverages that we think should be in every travel policy.
Allianz Travel Insurance is one of the world’s largest travel insurance carriers. Our Allianz Travel Insurance Review offers insight into their entire travel insurance portfolio, sold out of the USA.
Allianz Travel Insurance is a well-run company with deep resources.
But, their Trip insurance products are expensive when compared with other leading Travel Insurance Carriers.
Travel Insured International was founded in 1994, and is one of USA’s best travel insurance companies, offering the highest quality worldwide travel protection for over 20 years.
6,351 Travel Insured International customers were recently polled and gave TII a 4.6 out of 5 rating.
This is an incredibly robust customer response, and should give great confidence to new TII customers.
Travel Insured International Review – TII offers incredibly strong underwriting, business practices and customer support. We recommend them to our customers without hesitation.
Notable Travel Insured International Trip Insurance Plans
Travel Insurance Reviews – Travel Insured International – Worldwide Trip Protector Lite
- Trip Cancellation and Interruption
- Accident and Sickness Medical Expense is excess (pays for covered expenses not already covered by your primary insurance plan)
- No coverage for Pre-existing Medical Conditions
- No coverage for Accidental Death and Dismemberment
- 24/7 Travel Assistance and Customer Care
- Underwritten by United States Fire Insurance Company
Travel Insurance Reviews – Travel Insured International – Worldwide Trip Protector
- Accident and Sickness Medical Expense coverage
- Medical Evacuation and Repatriation
- Pre-existing Medical – you are eligible for Pre-existing Medical Conditions coverage if you purchase the policy within 21 days after your initial trip deposit, are medically able to travel at the time of purchase and insure the full non-refundable cost of your trip
- Trip Cancellation/Interruption Coverage
- Travel Delay and Missed Connection
- Baggage Protection and Travel Accident Protection
- 24/7 Customer Care and Travel Assistance
- Family Friendly– children 17 and under are insured at no extra charge when traveling with an insured related adult
- Underwritten by United States Fire Insurance Company
Travel Insurance Reviews – Travel Insured International – Worldwide Trip Protector Plus
- Accident and Sickness Medical Expense is primary (pays for covered expenses without regard to other insurance or coverage that you may have)
- Pre-existing Medical – you are eligible for Pre-existing Medical Conditions coverage if you purchase the policy up to 21 days after your initial trip deposit, are medically able to travel at the time of purchase and insure the full non-refundable cost of your trip
- Broadest Trip Cancellation/Interruption protection
- Rental Car Damage included
- Travel Delay and Missed Connection
- Baggage Protection
- Travel Accident Protection
- 24/7 Customer Care and Expanded Travel Assistance
- Underwritten by United States Fire Insurance Company
Travel Insurance Reviews – AIG Travel Guard
With more than 25 years of industry experience, AIG Travel Guard is one of North America’s leading trip insurance companies. AIG specializes in providing innovative travel insurance, assistance and emergency travel service plans for millions of travelers and thousands of companies throughout the world.
5,511 AIG Travel Guard customers were recently polled and gave AIG Travel Guard a 4.6 out of 5 rating.
This is an incredibly robust customer response, and should give great confidence to new AIG Travel Guard customers.
AIG Travel Guard Review – AIG Travel Guard offers incredibly strong underwriting, business practices and customer support. We recommend them to our customers without hesitation.
Notable AIG Travel Guard Trip Insurance Plans
Travel Insurance Reviews – AIG Travel Guard Silver
The Silver Plan is for travelers and families who want basic comprehensive coverage and access to our 24-hour emergency travel assistance services. This plan provides even more coverage when purchased within 15 days of initial trip payment, including coverage for pre-existing medical conditions and carrier financial default. Each child 17 and under is covered at no additional cost for each adult that purchases this plan.
Travel Insurance Reviews – AIG Travel Guard Gold
The Gold Plan is AIG Travel Guard’s most popular package of travel insurance & assistance services. Offering comprehensive coverage for individual travelers and families, this plan includes children 17 and under covered at no additional cost! If you purchase within 15 days of initial trip deposit, this plan provides additional coverage for pre-existing medical conditions and carrier financial default. Optional coverage upgrades include Cancel for Any Reason and Medical Evacuation home or to the hospital of choice.
Travel Insurance Reviews – AIG Travel Guard Platinum
The Platinum Plan from AIG Travel Guard is for travelers who want a comprehensive package of travel insurance coverage and assistance services. The Platinum Plan also covers for pre-existing medical conditions, carrier financial default, even trip cancellation due to job loss and other covered work reasons. You can also upgrade your Platinum Plan to include optional coverages like Cancel for Any Reason and Medical Evacuation home or to the hospital of your choice.
Travel Insurance Reviews – iTravelInsured
For more than a decade, iTravelInsured®, Inc. has provided travel insurance to more than a million travelers worldwide. Their mission is to help travelers protect their travel investment from the unexpected. They realize that while traveling is an exciting experience, anything can happen while you are away from home. Their specially designed travel insurance plans paired with our world-class service provide the coverage and confidence travelers need and have come to expect from iTravelInsured. iTI is one of the USA’s best trip insurance companies.
Notable iTravelInsured Trip Insurance Plans
Travel Insurance Reviews – iTravelInsured Travel Lite
The Travel Lite Insurance plan is designed for travelers seeking to protect their trip investment against trip cancellation and trip interruption. It is iTI’s lowest priced travel insurance program and provides coverage for travel and baggage delay as well as access to their non-insurance emergency travel assistance service.
It is one of the few lost cost travel insurance plans that incorporates Cancel for Work Reason cover. For this reason, it is a very popular plan.
Travel Insurance Reviews – iTravelInsured Travel SE
Travel SE is a family-friendly plan. Children under 18 are covered at no additional cost.
The Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance coverage and benefits are available whether traveling on a cruise or a tour vacation abroad. Children under 18 are covered at no additional cost per eligible adult insured. Family extras such as movie rental, internet usage and additional kennel fees caused by travel delay are included.
Travel Insurance Reviews – iTravelInsured Travel LX
The LX plan is designed for high-end adventure trips to exotic locations.
The Travel LX plan provides iTI’s highest levels of benefits for the more discerning travelers. Cancel for Any Reason and Interruption for Any Reason coverage is included at no additional cost. This program provides coverage for most adventure activities and it is ideal for travelers going to remote and exotic locations worldwide.
Travel Insurance Reviews – RoamRight Travel Insurance
RoamRight’s travel insurance plans protect leisure, business, student, and group travelers with both domestic and international trips. RoamRight is a registered trade name and brand used by a unit of Arch Insurance Company, a provider of global travel insurance. Our staff and customer service representatives have the expertise to offer customers information about trip and medical insurance packages, travel planning, and coverage options.
2,991 RoamRight customers were recently polled and gave them a 4.6 out of 5 rating.
This is an incredibly robust customer response, and should give great confidence to new RoamRight customers.
RoamRight Review – RoamRight offers incredibly strong underwriting, business practices and customer support. We recommend them to our customers without hesitation.
Travel Insurance Reviews – RoamRight Essential Travel Insurance
If you want basic, minimal coverage, the RoamRight Essential plan is the one you want. This budget plan is ideal for travelers who are staying in the United States or travelers who are mainly concerned with trip cancellation coverage.
The Essential travel insurance package provides the coverage you need to have peace of mind during your trip. RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
Travel Insurance Reviews – RoamRight Preferred Travel Insurance
The Preferred plan is RoamRight’s most popular, with benefit limits that meet the needs of most travelers. Most international travelers use this plan because its medical and evacuation benefits are higher than our most basic plan. If you buy your travel insurance within 21 days of making your initial trip deposit, you may have the chance to add Cancel for Any Reason and Cancel for Work Reasons coverage to your plan.
The Preferred plan represents a mid-tier standard travel insurance package between RoamRight Elite and Essential plans. As the name implies, the Preferred package provides coverage for most trips and vacations.
Travel Insurance Reviews – RoamRight Elite Travel Insurance
The Elite plan is RoamRight’s most robust plan with the richest benefits. With the RoamRight Elite plan, you can rest assured knowing you’re protected with higher limits for evacuation and baggage protection, as well as coverage for Cancel For Work Reason if you buy within 21 days of making your initial trip deposit. If you buy within this time frame, you may also have the opportunity to add Cancel for Any Reason coverage to your plan.
The Elite plan from RoamRight is their most comprehensive package. It provides the highest levels of coverage in one convenient plan.
Travel Insurance Reviews – Travelex
For more than 55 years, Travelex has been helping protect travel investments. Their staff is among the most experienced in the industry. In any review of Travel Insurance companies, Travelex should be included. When we first created our list of travel insurance companies that we wished to work with, Travelex was one of the first that we included.
4,068 Travelex customers were recently polled and gave Travelex a 4.5 out of 5 rating.
This is an incredibly robust customer response, and should give great confidence to new Travelex Travel Insurance customers.
Travelex Travel Insurance Review – Travelex offers incredibly strong underwriting, business practices and customer support. We recommend them to our customers without hesitation.
Travel Insurance Reviews – Travelex Basic
Travel Basic provides essential trip protection for the budget conscious traveler. This plan is perfect for short, domestic vacations. This competitive coverage provides necessary safeguards to ensure the trip investment is protected against the unexpected. Travel Basic provides you with a wide range of covered reasons for Trip Cancellation, as well as extensive post departure coverage to help protect you while you’re away.
Travel Insurance Reviews – Travelex Select
A family friendly plan, Travel Select provides travel protection coverage for children under 21 at no additional cost when accompanied by a covered adult family member. Enhance your family protection by customizing with the “Active Family Pack” upgrade. This Lifestyle Pack makes traveling with a family easier with coverage for child-care cancellation, movie rental reimbursement for overnight delays, medical protection for traveling pets and more.
In addition to family friendly travel protection coverage, Travel Select offers the optional “Adventurer Plus Pack” upgrade for daring travelers who participate in activities like mountain climbing or parasailing. Finally for the traveling professional, the optional “Professional Pack” upgrade provides additional reasons for reimbursement due to work related cancellation or interruption reasons. This optional business travel upgrade also offers protection for professional equipment.
Travel Insurance Reviews – AAA Travel Insurance
Of all the Travel Insurance companies that customers will be familiar with, AAA would certainly make the Top 5.
But, just because we know that AAA makes the list of travel insurance companies, doesn’t necessarily mean that their products are goo. So, many AAA members would like to know whether AAA Travel Insurance offers good value. The short answer is no.
AAA Trip Insurance is expensive, and has very weak travel medical benefits.
AAA Travel Insurance customers would be well advised to compare the market, for better cover and lower prices.
Travel Insurance Reviews – Is Expedia Travel Insurance Worth Buying?
Expedia Travel Insurance is one of the worst that we have seen across the US. Limited benefits and expensive – the worst of both worlds. In our opinion, Travel Insurance is often worth buying. You never know when you’re going to need it. Just don’t buy the coverage that Expedia offers you. It is such a pity, Expedia could easily be one of the best trip insurance companies, but it simply does not offer choice or value for money.