A Comprehensive Guide Travel Insurance

Travelling can be an exciting and enriching experience, but it's important to make sure you're prepared for the unexpected. That's where travel insurance comes in. Whether you're planning a relaxing beach vacation or an adventurous trek through the mountains, having the right travel insurance can provide peace of mind and financial protection in case of accidents, illness or other unexpected events. In this guide we'll review the top 5 travel insurance companies for people in their 30's and 40's with options for both average travel and hiking/trekking and other active activities.

Top 5 Travel Insurance Companies for General Travel

World Nomads

World Nomads is a popular choice for travellers of all ages, offering flexible and customizable plans that can be tailored to your specific needs. They provide coverage for a range of activities including adventure sports and offer 24/7 emergency assistance. 

World Nomads - https://www.worldnomads.com/

 

Pros:

• Customizable plans to fit your specific travel needs

• Coverage for a wide range of activities, including adventure sports

• 24/7 emergency assistance

Cons:

• Can be more expensive than other travel insurance options

• Some customers report issues with claims processing

 

 

Allianz Global Assistance

Allianz Global Assistance is a trusted name in travel insurance, with a range of plans designed to meet the needs of different types of travellers. Their plans include coverage for trip cancellations and interruptions, medical emergencies and more.

Allianz Global Assistance - https://www.allianztravelinsurance.com/

 

Pros:

• Established and trusted company in the travel insurance industry

• Wide range of coverage options to fit different travel needs

• 24/7 emergency assistance

Cons:

• Some customers report difficulty with claims processing

• Limited coverage for pre-existing medical conditions

 

 

Travel Guard

Travel Guard offers comprehensive travel insurance coverage, including trip cancellation and interruption insurance, emergency medical and dental coverage, and 24-hour travel assistance. They also offer a range of optional upgrades, such as adventure sports coverage and rental car damage coverage. https://www.travelguard.com/

 

Pros:

• Comprehensive coverage options, including trip cancellation and interruption insurance

• Optional upgrades for adventure sports coverage and rental car damage coverage

• 24-hour travel assistance

Cons:

• Higher premiums than some other travel insurance options

• Limited coverage for pre-existing medical conditions

 

AIG Travel

AIG Travel offers a range of travel insurance options, including plans that cover trip cancellations, medical emergencies and more. They also offer 24-hour travel assistance and have a network of providers around the world. https://www.aig.com/travel-insurance

 

Pros:

• Wide range of coverage options, including trip cancellation and medical emergencies

• 24-hour travel assistance and a network of providers around the world

• Optional upgrades for adventure sports coverage and rental car damage coverage

Cons:

• Higher premiums than some other travel insurance options

• Some customers report issues with claims processing

 

Travelex Insurance Services

Travelex Insurance Services offers a variety of travel insurance plans, including coverage for trip cancellations and interruptions, medical emergencies and more. They also offer a range of optional upgrades, such as rental car damage coverage and adventure sports coverage. https://www.travelexinsurance.com/

 

Pros:

• Customizable coverage options to fit your specific travel needs

• Optional upgrades for rental car damage coverage and adventure sports coverage

• 24-hour travel assistance

Cons:

• Some customers report issues with claims processing

• Limited coverage for pre-existing medical conditions

 

Top 5 Travel Insurance Companies for Hiking/Trekking and Active Activities

IMG Global

IMG Global offers comprehensive travel insurance coverage for a range of activities, including hiking, trekking, and other adventure sports. Their plans include coverage for emergency medical expenses, trip cancellations and interruptions, and more.

https://www.imglobal.com/travel-insurance

Pros:

• Comprehensive coverage for adventure sports and other outdoor activities

• High coverage limits for emergency medical expenses

• 24/7 emergency assistance

Cons:

• Higher premiums than some other travel insurance options

• Limited coverage for pre-existing medical conditions

 

InsureMyTrip

InsureMyTrip offers a range of travel insurance plans designed for active travellers, including coverage for adventure sports, extreme sports and hazardous activities. They also offer a variety of customizable options, such as cancel for any reason coverage. https://www.insuremytrip.com/

 

Pros:

• Customizable coverage options to fit your specific travel needs

• Optional upgrades for cancel for any reason coverage and hazardous activities coverage

• 24-hour travel assistance

Cons:

• Some customers report difficulty with claims processing

• Can be more expensive than other travel insurance options

 

Seven Corners

Seven Corners offers travel insurance coverage for a range of outdoor activities, including hiking, trekking and skiing. Their plans include emergency medical coverage, trip cancellation and interruption insurance, and 24-hour travel assistance. https://www.sevencorners.com/

 

Pros:

• Comprehensive coverage for outdoor activities, including emergency medical and evacuation coverage

• Optional upgrades for adventure sports coverage and hazardous activities coverage

• 24/7 emergency assistance

Cons:

• Higher premiums than some other travel insurance options

• Some customers report issues with claims processing

 

World Escapade Insurance

World Escapade Insurance specialises in travel insurance for adventure sports and outdoor activities. Their plans include coverage for medical expenses, emergency evacuation and more, and can be customized to fit your specific needs. https://www.world-escapade.com/

 

Pros:

• Specialises in travel insurance for adventure sports and outdoor activities

• Customizable coverage options to fit your specific needs

• 24/7 emergency assistance

Cons:

• Higher premiums than some other travel insurance options

• Limited coverage for pre-existing medical conditions

 

Bupa Global Travel

Bupa Global Travel offers comprehensive travel insurance coverage, including coverage for adventure sports and other outdoor activities. They provide emergency medical and dental coverage, trip cancellation and interruption insurance, and 24-hour travel assistance. https://www.bupaglobaltravel.com/

 

Pros:

• Comprehensive coverage options for adventure sports and other outdoor activities

• Optional upgrades for cancel for any reason coverage and rental car damage coverage

• 24/7 emergency assistance

Cons:

• Higher premiums than some other travel insurance options

• Limited coverage for pre-existing medical conditions

When choosing a travel insurance company, it's important to consider factors like coverage options, cost and customer service. It's also a good idea to read reviews and check ratings from trusted sources like the Better Business Bureau or A.M. Best. By choosing a reputable travel insurance company that meets your specific needs you can enjoy your travels with peace of mind knowing that you're protected in case of the unexpected.